Ipsa Credit Private Ltd
About Ipsa Credit Private Ltd
Data last updated:
Ipsa Credit Private Ltd is a private limited company based in Kolkata, West Bengal, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 05 May 1992 and has been in existence for over 34 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U65921WB1992PTC055357.
The company has an authorised share capital of ₹2.5 Cr and a paid-up capital of ₹2.29 Cr. It was formerly known as Ipsa Credit Ltd. It is led by directors including Ipsa Gupta and Reena Gupta.
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 4/1 Middelton Street Sikkim House 4th Floor, Kolkata, West Bengal, India – 700071.
As per the financials filed for FY 2024, the company reported a revenue of ₹2.33 Cr, a growth of 7% compared to the previous year. For the same year it recorded a net profit of ₹18.59 Lakh (net margin 8%) and EBITDA of ₹29.34 Lakh (EBITDA margin 12.6%). Revenue has grown at a compounded annual rate (CAGR) of 36% over three years and 39% over five years.
Court records list 461 cases involving the company, including 400 filed by the company and 56 filed against it; 103 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
CIN History of Ipsa Credit Private Ltd
Ipsa Credit has one previous CIN (Corporate Identification Number): U65921WB1992PLC055357. The current CIN is U65921WB1992PTC055357, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65921WB1992PTC055357 | Current |
| U65921WB1992PLC055357 | Previous |
- EmailLocked
- TelephoneLocked
- WebsiteLocked
- Social MediaLocked
- Registered Address4/1 Middelton Street Sikkim House 4th Floor, Kolkata, West Bengal, India – 700071
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
- 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
- One PDF report, delivered after checkout
Business Activity of Ipsa Credit Private Ltd
The main business activity of Ipsa Credit is financial and insurance service. In detail, this covers other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Ipsa Credit Private Ltd FY 2025 filings available
Ipsa Credit Private Ltd reported revenue of ₹2.33 Cr (up 7% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Ipsa Credit Private Ltd
Revenue has grown at a compounded annual rate (CAGR) of 39% over five years, including 7% growth in the latest year. EBITDA fell 43% 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 of Ipsa Credit Private Ltd
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | •••• | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹29.34 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹18.59 Lakh | •••• | •••• | •••• | •••• |
| Balance Sheet | |||||
| Share Capital | •••• | •••• | •••• | •••• | •••• |
| Reserves and Surplus | •••• | •••• | •••• | •••• | •••• |
| Net Worth (Total Equity) | •••• | •••• | •••• | •••• | •••• |
| Long-term Borrowings | •••• | •••• | •••• | •••• | •••• |
| Short-term Borrowings | •••• | •••• | •••• | •••• | •••• |
| Trade Payables | •••• | •••• | •••• | •••• | •••• |
| Total Liabilities | •••• | •••• | •••• | •••• | •••• |
| Fixed Assets | •••• | •••• | •••• | •••• | •••• |
| Investments | •••• | •••• | •••• | •••• | •••• |
| Inventories | •••• | •••• | •••• | •••• | •••• |
| Trade Receivables | •••• | •••• | •••• | •••• | •••• |
| Cash and Bank Balance | •••• | •••• | •••• | •••• | •••• |
| Total Assets | •••• | •••• | •••• | •••• | •••• |
Financial Ratios of Ipsa Credit Private Ltd
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 12.6% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 8% | •••• | •••• | •••• | •••• |
| Return on Equity (ROE) | •••• | •••• | •••• | •••• | •••• |
| Return on Capital Employed (ROCE) | •••• | •••• | •••• | •••• | •••• |
| Return on Assets (ROA) | •••• | •••• | •••• | •••• | •••• |
| Liquidity and Debt | |||||
| Current Ratio | •••• | •••• | •••• | •••• | •••• |
| Quick Ratio | •••• | •••• | •••• | •••• | •••• |
| Debt-to-Equity Ratio | •••• | •••• | •••• | •••• | •••• |
| Interest Coverage Ratio | •••• | •••• | •••• | •••• | •••• |
| Efficiency and Growth | |||||
| Asset Turnover | •••• | •••• | •••• | •••• | •••• |
| Receivable Days | •••• | •••• | •••• | •••• | •••• |
| Payable Days | •••• | •••• | •••• | •••• | •••• |
| Inventory Days | •••• | •••• | •••• | •••• | •••• |
| Revenue Growth | •••• | •••• | •••• | •••• | •••• |
| Net Profit Growth | •••• | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Ipsa Credit are in the company report.
Financial statements from 2015
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Board of Directors of Ipsa Credit Private Ltd
Ipsa Credit has 3 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ipsa Gupta Also directs: Mars Viniyog Pvt.Ltd., Parag Finlease Private Limited | Director | 01 Aug 2013 | 13 Years 2 Months | Current |
| Reena Gupta Also directs: Mars Viniyog Pvt.Ltd., Parag Finlease Private Limited | Director | 01 Aug 2013 | 13 Years 2 Months | Current |
| Manoj Gupta Also directs: Mars Viniyog Pvt.Ltd., Parag Finlease Private Limited | Director | 01 Jan 1993 | 33 Years 9 Months | Current |
Peer Comparison of Ipsa Credit Private Ltd
Ipsa Credit Private Ltd is compared with the companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Bherudan Dugar Finance Limited | ₹2.33 Cr (FY 2024) | •••• | •••• | 18.0% | •••• | Chennai, Tamil Nadu, India |
| Rajput Leasing and Finance Limited | ₹2.33 Cr (FY 2025) | •••• | •••• | 14.0% | •••• | Khanna, Punjab, India |
| Transworld India Private Limited | ₹2.33 Cr (FY 2025) | •••• | •••• | 46.0% | •••• | New Delhi, Delhi, India |
| S S Entrade Pvt Ltd | ₹2.33 Cr (FY 2025) | •••• | •••• | 113.0% | •••• | Kolkata, West Bengal, India |
| Johal Investments Limited | ₹2.33 Cr (FY 2025) | •••• | •••• | 35.0% | •••• | New Delhi, Delhi, India |
| Ipsa Credit Private Ltd this company | ₹2.33 Cr (FY 2024) | •••• | •••• | 7.0% | •••• | Kolkata, West Bengal, India |
| Vagmi Capital Services Private Limited | ₹2.33 Cr (FY 2025) | •••• | •••• | 12.0% | •••• | Jaipur, Rajasthan, India |
| DPG Finance Private Limited | ₹2.32 Cr (FY 2025) | •••• | •••• | -4.0% | •••• | New Delhi, Delhi, India |
| Icpl Capital Private Limited | ₹2.32 Cr (FY 2025) | •••• | •••• | 1136.0% | •••• | Gurgaon, Haryana, India |
| Apoorva Extrusion Private Limited | ₹2.32 Cr (FY 2025) | •••• | •••• | -25.0% | •••• | New Delhi, Delhi, India |
| Sankheshwar Holding Company Limited | ₹2.32 Cr (FY 2025) | •••• | •••• | 27.0% | •••• | New Delhi, Delhi, India |
Peers are the five companies nearest above and the five nearest below Ipsa Credit by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Ipsa Credit Private Ltd
Ipsa Credit Private Ltd is audited by SHARMA AND PAGARIA for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| SHARMA AND PAGARIA | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Ipsa Credit Private Ltd
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Ipsa Credit Private Ltd
Ipsa Credit Private Ltd does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Ipsa Credit Private Ltd
Ipsa Credit Private Ltd has 461 court cases on record: 400 filed by Ipsa Credit, 56 filed against it, 5 where it is another party. 103 cases are pending and 358 are disposed. Status as checked between 21 Sep 2026 and 03 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 441 | 45 | 96 |
| High courts | 20 | 11 | 7 |
Cases on record (5 of 461)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Karnataka | Court case (CRL.P) | Filed against the company by Eternity Structures Private Limited | Pending |
| Calcutta High Court | Civil suit | Filed by the company against Akzo Nobel India Limited | Pending |
| High Court of Karnataka | Appeal | Filed by the company against Eternity Structures Private Limited | Disposed |
| Calcutta High Court | Company petition | Filed against the company by Akzo Nobel India Limited | Disposed |
| High Court of Karnataka | Court case (RP) | Filed against the company by an individual | Pending |
Full case history
All 461 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Employees and EPFO Compliance at Ipsa Credit Private Ltd
Employment history and EPFO contributions of people linked to Ipsa Credit.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
Recent Activity on Ipsa Credit Private Ltd
Ipsa Credit Private Ltd has 5 board changes on record since 1993: 3 appointments and 2 cessations. The latest: Aloke Kumar Gupta ceased to be Director on 14 Dec 2018.
Credit Ratings, Litigation & Regulatory Alerts for Ipsa Credit Private Ltd
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Ipsa Credit Private Ltd
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Ipsa Credit Private Ltd
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Ipsa Credit Private Ltd
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Ipsa Credit Private Ltd
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Ipsa Credit Private Ltd
Ipsa Credit is an active private limited company based in Kolkata, West Bengal, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 05 May 1992 (34+ years old) and is registered under CIN U65921WB1992PTC055357.
Ipsa Credit reported revenue of ₹2.33 Cr for FY 2024 (up 7% YoY).
Ipsa Credit has 3 current directors:
- Ipsa Gupta - Director
- Reena Gupta - Director
- Manoj Gupta - Director
Ipsa Credit reported a net profit of ₹18.59 Lakh (net margin 8%) and EBITDA of ₹29.34 Lakh (EBITDA margin 12.6%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Ipsa Credit is 36% over three years and 39% over five years. In the latest year (FY 2024) revenue rose 7%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Ipsa Credit is U65921WB1992PTC055357. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Ipsa Credit has 461 court cases on record: 400 filed by the company and 56 filed against it. 103 are pending. Most are in the district courts.
Ipsa Credit was incorporated on 05 May 1992, making it 34+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Ipsa Credit by revenue are Bherudan Dugar Finance Limited, Rajput Leasing and Finance Limited, Transworld India Private Limited, S S Entrade Pvt Ltd, Johal Investments Limited and 5 more, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC).
Aloke Kumar Gupta ceased to be Director on 14 Dec 2018. Sanjay Kumar Gupta ceased to be Director on 25 Nov 2013. Ipsa Gupta was appointed as Director on 01 Aug 2013. Ipsa Credit has 5 board changes on record in total.
The registered office of Ipsa Credit is at 41 Middelton Street Sikkim House 4th Floor, Kolkata, West Bengal, India – 700071.