About General Kuries and Loans Pvt Ltd
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General Kuries and Loans Pvt Ltd is a private limited company based in Thrissur, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 12 March 1981 and has been in existence for over 45 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL1981PTC003315. Its GSTIN is 32AAACG9008P1ZG (Kerala).
The company has an authorised share capital of ₹50 Lakh and a paid-up capital of ₹22.55 Lakh. It is led by directors including Kuruthukulangara Chacko Luiz (Managing Director) and Chittilappilly Thomakutty Thomas (Whole-Time Director).
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at IV/105 Wadakanchery, Thrissur, Kerala, India – 680582.
As per the financials filed for FY 2025, the company reported a revenue of ₹35.09 Lakh, a decline of 54% compared to the previous year. For the same year it recorded a net profit of ₹2.32 Lakh (net margin 6.6%) and EBITDA of ₹4.9 Lakh (EBITDA margin 14%). Revenue has declined at a compounded annual rate (CAGR) of 24% over three years and 16% over five years.
Court records list 431 cases involving the company, including 425 filed by the company and 6 filed against it; 13 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website generalkuries.com.
Company details
Contact details
General Kuries and Loans Pvt Ltd's registered office is in Thrissur, Kerala. Its website is generalkuries.com. Its e-mail address is in the company report.
- Email
- Website
- Registered AddressIV/105 Wadakanchery, Thrissur, Kerala, India – 680582
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of General Kuries and Loans Pvt Ltd, buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Business activity
The main business activity of General Kuries and Loans is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of General Kuries and Loans Pvt Ltd, buy the company report.
Financials of General Kuries and Loans Pvt Ltd
FY 2025 filings availableGeneral Kuries and Loans Pvt Ltd reported revenue of ₹35.09 Lakh (down 54% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 16% over five years, including a 54% fall in the latest year. EBITDA fell 84% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA | ₹4.9 Lakh | ||||
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| Net Profit (PAT) | ₹2.32 Lakh | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| Profitability | |||||
| EBITDA Margin | 14% | ||||
| Net Profit Margin | 6.6% | ||||
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To see the full financial statements and ratios of General Kuries and Loans Pvt Ltd, buy the company report.
Board of directors of General Kuries and Loans Pvt Ltd
General Kuries and Loans has 11 current directors and 9 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Unnikrishnan Manakkincharth | Director | 12 Mar 1981 | 45 Years 7 Months | Current |
| Chittilappilly Thomakutty Thomas | Whole-Time Director | 30 Sep 2002 | 24 Years 0 Months | Current |
| Chittilappilly Paulose Paul | Director | 23 Oct 2007 | 19 Years 0 Months | Current |
| Kuruthukulangara Chacko Luiz | Managing Director | 12 Mar 1982 | 44 Years 7 Months | Current |
| Thomas Mathew | Director | 06 Nov 2000 | 25 Years 11 Months | Current |
| Sober Muringathery Lonappan Also directs: New General Kuries (Wadakkanchery) Private Limited | Director | 05 Oct 2013 | 13 Years 0 Months | Current |
Peer comparison
General Kuries and Loans Pvt Ltd is compared with the 4 companies closest to it by revenue in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Chiramel Kuries Private Limited | ₹35.47 Lakh (FY 2025) | 100.0% | Thrissur, Kerala, India | |||
| Kadamba Chits (Karnataka) Private Limited | ₹35.22 Lakh (FY 2024) | 29.0% | Bangalore, Karnataka, India | |||
| Mazhil Nidhi Limited | ₹35.14 Lakh (FY 2020) | 237.0% | Theni, Tamil Nadu, India | |||
| General Kuries and Loans Pvt Ltdthis company | ₹35.09 Lakh (FY 2025) | ₹2.32 Lakh | 6.6% | -54.0% | Thrissur, Kerala, India | |
| Saraswath Kuries Private Limited | ₹34.85 Lakh (FY 2025) | 7.0% | Kochi, Kerala, India |
To see the full peer comparison of General Kuries and Loans Pvt Ltd, buy the company report.
Auditor
General Kuries and Loans Pvt Ltd is audited by MOHANDAS & ASSOCIATES for the financial year 2021.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| MOHANDAS & ASSOCIATES | FY 2021 | 002116S |
Shareholding
The shareholding of General Kuries and Loans Pvt Ltd is on record for 4 financial years, the latest being FY 2021, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2021 | FY 2020 | FY 2017 | FY 2016 |
|---|---|---|---|---|
| Promoters | ||||
| Domestic institutional investors (DII) | ||||
| Foreign institutional investors (FII) | ||||
| Public | ||||
| Others |
To see the full shareholding pattern of General Kuries and Loans Pvt Ltd, buy the company report.
Legal cases
General Kuries and Loans Pvt Ltd has 431 court cases on record: 425 filed by General Kuries and Loans, 6 filed against it. 13 cases are pending and 418 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 425 | 3 | 10 |
| High courts | 6 | 3 | 3 |
Cases on record (5 of 431)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thrissur, Kerala | Civil suit | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against individuals | Pending |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against individuals | Pending |
| High Court | Court case (Ins.APP) | Filed by the company against The Employees State Insurance Corporation, and 1 other | Pending |
| District court, Thrissur, Kerala | Civil suit | Filed by the company against individuals | Pending |
To see the full case history of General Kuries and Loans Pvt Ltd, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for General Kuries and Loans Pvt Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
General Kuries and Loans has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAACG9008P1ZG | Kerala | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of General Kuries and Loans Pvt Ltd, buy the company report.
Recent activity
General Kuries and Loans Pvt Ltd has 20 board changes on record since 1981: 11 appointments and 9 cessations. The latest: Joseph Thomas Chittilapilly ceased to be Director on 18 Mar 2020.
11 earlier events are in the company report.
Frequently asked questions
General Kuries and Loans is an active private limited company based in Thrissur, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 12 March 1981 (45+ years old) and is registered under CIN U65992KL1981PTC003315.
General Kuries and Loans has 11 current directors:
- Kuruthukulangara Chacko Luiz - Managing Director
- Chittilappilly Thomakutty Thomas - Whole-Time Director
- Unnikrishnan Manakkincharth - Director
- Chittilappilly Paulose Paul - Director
- Thomas Mathew - Director
- Sober Muringathery Lonappan - Director
- Roy Francis - Director
- Palathingal Vavu Thomas - Director
- Joseph Elias - Director
- Kuruthukulangara Francis James - Director
- Sony Palathingal - Director
The latest financial statements of General Kuries and Loans on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of General Kuries and Loans is 32AAACG9008P1ZG, registered in Kerala.
The CIN (Corporate Identification Number) of General Kuries and Loans is U65992KL1981PTC003315. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
General Kuries and Loans has 431 court cases on record: 425 filed by the company and 6 filed against it. 13 are pending. Most are in the district courts.
General Kuries and Loans was incorporated on 12 March 1981, making it 45+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of General Kuries and Loans by revenue are Chiramel Kuries Private Limited, Kadamba Chits (Karnataka) Private Limited, Mazhil Nidhi Limited, Saraswath Kuries Private Limited, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Joseph Thomas Chittilapilly ceased to be Director on 18 Mar 2020. Chittilappilly Cheru Joseph ceased to be Director on 15 Dec 2018. Joseph Elias was appointed as Director on 15 Oct 2018. General Kuries and Loans has 20 board changes on record in total.
General Kuries and Loans can be reached through the website generalkuries.com. Its registered office is in Thrissur, Kerala, India.
The registered office of General Kuries and Loans is at IV105 Wadakanchery, Thrissur, Kerala, India – 680582.