Keram Chits Private Limited
About Keram Chits Private Limited
Data last updated:
Keram Chits Private Limited is a private limited company based in Thrissur, Kerala, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 28 March 1996 and has been in existence for over 30 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL1996PTC010222. Its GSTIN is 32AAACK9613L2ZG (Kerala). The company holds 2 GST registrations, of which 1 is active.
The company has an authorised share capital of ₹42 Lakh and a paid-up capital of ₹41.29 Lakh. It is led by directors including Krishnakumar Ayyappath Puthenveettil (Managing Director) and Velayudhan Velakode Kallivalappil Koran.
Its last annual general meeting (AGM) was held on 28 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at K A M Building East Nadanear Railway Gate Guruvayur, Thrissur, Kerala, India – 680101.
As per the financials filed for FY 2025, the company reported a revenue of ₹2.82 Lakh, a decline of 58% compared to the previous year. For the same year it recorded a net loss of ₹3.33 Lakh (net margin -118.2%) and EBITDA of -₹3.18 Lakh (EBITDA margin -112.8%). Revenue has declined at a compounded annual rate (CAGR) of 53% over three years and 39% over five years.
Court records list 3 cases involving the company, including 3 filed by the company.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Keram Chits Private Limited's registered office is in Thrissur, Kerala. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered AddressK A M Building East Nadanear Railway Gate Guruvayur, Thrissur, Kerala, India – 680101
- IndustryFinancial Services, Financial Activities
To see the full contact details of Keram Chits Private Limited, 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 Keram Chits 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 Keram Chits Private Limited, buy the company report.
Financials of Keram Chits Private Limited
FY 2025 filings availableKeram Chits Private Limited reported revenue of ₹2.82 Lakh (down 58% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 39% over five years, including a 58% fall in the latest year. EBITDA fell 121% 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 |
|---|---|---|---|---|---|
| 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 | -₹3.18 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹3.33 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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -112.8% | ||||
| Net Profit Margin | -118.2% | ||||
| 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 | |||||
To see the full financial statements and ratios of Keram Chits Private Limited, buy the company report.
Board of directors of Keram Chits Private Limited
Keram Chits has 7 current directors and 13 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Velayudhan Velakode Kallivalappil Koran Also directs: Malayalam Nidhi Limited | Director | 15 Dec 2018 | 7 Years 10 Months | Current |
| Chakkaramakkal Kochouseph Davis | Director | 18 Aug 2012 | 14 Years 2 Months | Current |
| Krishnakumar Ayyappath Puthenveettil | Managing Director | 06 Oct 2025 | 1 Years 0 Months | Current |
| Pulikkottil Jacob Thomas | Director | 30 Sep 2020 | 6 Years 0 Months | Current |
| Ajithprasad Naduvilpurakkal Raghavan | Additional Director | 27 Dec 2025 | 0 Years 10 Months | Current |
| Baburajan Thamarassery Subramanian | Additional Director | 01 Nov 2025 | 0 Years 11 Months | Current |
Peer comparison
Keram Chits Private Limited is compared with the 10 companies closest to it by revenue in 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 |
|---|---|---|---|---|---|---|
| Accord Securities Ltd. | ₹2.83 Lakh (FY 2024) | Kolkata, West Bengal, India | ||||
| Soms Holdings Limited | ₹2.82 Lakh (FY 2018) | -17.0% | Kolkata, West Bengal, India | |||
| Durga Shakti Micro Credit Association | ₹2.82 Lakh (FY 2025) | -10.0% | Varanasi, Uttar Pradesh, India | |||
| Nareshshree Global Services Private Limited | ₹2.82 Lakh (FY 2024) | -62.0% | Sitar Ganj, Uttarakhand, India | |||
| B.R. Agarwala & Co. (India) Private Limited | ₹2.82 Lakh (FY 2025) | 1028.0% | New Delhi, Delhi, India | |||
| Keram Chits Private Limitedthis company | ₹2.82 Lakh (FY 2025) | -₹3.33 Lakh | -118.2% | -58.0% | Thrissur, Kerala, India | |
| Finpay Technologies Private Limited | ₹2.81 Lakh (FY 2022) | Mathura, Uttar Pradesh, India | ||||
| Kulasekharamangalam Chitties Private Limited | ₹2.81 Lakh (FY 2025) | 32.0% | Vaikom, Kerala, India | |||
| Monking Securities Private Limited | ₹2.81 Lakh (FY 2024) | 350.0% | Delhi, India | |||
| Kadukutty Kuries Private Limited | ₹2.81 Lakh (FY 2017) | -53.0% | Thrissur, Kerala, India | |||
| Shadia Consultancy Private Limited | ₹2.81 Lakh (FY 2020) | Howrah, West Bengal, India |
To see the full peer comparison of Keram Chits Private Limited, buy the company report.
Auditor
Keram Chits Private Limited is audited by CHULLIPPARAMBILKRISHNAN ANANDANARAYANAN for the financial year 2017.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| CHULLIPPARAMBILKRISHNAN ANANDANARAYANAN | FY 2017 | 029166 |
Shareholding
The shareholding of Keram Chits Private Limited is on record for 2 financial years, the latest being FY 2017, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2017 | FY 2016 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of Keram Chits Private Limited, buy the company report.
Legal cases
Keram Chits Private Limited has 3 court cases on record: 3 filed by Keram Chits. All cases are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 3 | 0 | 0 |
Cases on record (3 of 3)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thrissur, Kerala | Execution petition | Filed by the company against individuals | Disposed |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against individuals | Disposed |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against individuals | Disposed |
To see the full case history of Keram Chits Private Limited, 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 Keram Chits Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Keram Chits has 2 GST registrations: 1 active and 1 cancelled or inactive.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAACK9613L2ZG | Kerala | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Keram Chits Private Limited, buy the company report.
Recent activity
Keram Chits Private Limited has 33 board changes on record since 1996: 20 appointments and 13 cessations. The latest: Ajithprasad Naduvilpurakkal Raghavan was appointed as Additional Director on 27 Dec 2025.
24 earlier events are in the company report.
Frequently asked questions
Keram Chits is an active private limited company based in Thrissur, Kerala, India. The company works in financial activities, within the financial services industry. It was incorporated on 28 March 1996 (30+ years old) and is registered under CIN U65992KL1996PTC010222.
Keram Chits has 7 current directors:
- Krishnakumar Ayyappath Puthenveettil - Managing Director
- Velayudhan Velakode Kallivalappil Koran - Director
- Chakkaramakkal Kochouseph Davis - Director
- Pulikkottil Jacob Thomas - Director
- Ajithprasad Naduvilpurakkal Raghavan - Additional Director
- Baburajan Thamarassery Subramanian - Additional Director
- Joy Jacob Pulikkottil - Additional Director
The latest financial statements of Keram Chits on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 28 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Keram Chits is 32AAACK9613L2ZG, registered in Kerala. The company has 2 GST registrations in all, of which 1 is active and 1 is cancelled or inactive.
The CIN (Corporate Identification Number) of Keram Chits is U65992KL1996PTC010222. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Keram Chits has 3 court cases on record: 3 filed by the company.
Keram Chits was incorporated on 28 March 1996, making it 30+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Keram Chits by revenue are Accord Securities Ltd, Soms Holdings Limited, Durga Shakti Micro Credit Association, Nareshshree Global Services Private Limited, B.R. Agarwala & Co. (India) Private Limited and 5 more, all in the same principal business activity (other financial activities).
Ajithprasad Naduvilpurakkal Raghavan was appointed as Additional Director on 27 Dec 2025. Baburajan Thamarassery Subramanian was appointed as Additional Director on 01 Nov 2025. Joy Jacob Pulikkottil was appointed as Additional Director on 01 Nov 2025. Keram Chits has 33 board changes on record in total.
The registered office of Keram Chits is at K A M Building East Nadanear Railway Gate Guruvayur, Thrissur, Kerala, India – 680101.
Keram Chits operates in the financial services industry, in the financial activities segment.