Pavanatma Chits Private Limited
About Pavanatma Chits Private Limited
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Pavanatma Chits Private Limited is a private limited company based in Angamaly, Kerala, India. It operates in the financial intermediation and lending segment of the financial services sector. It was incorporated on 01 February 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65990KL2017PTC047910.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹3 Lakh. It is led by directors including Veliyathuparambil Vareed Augustine (Managing Director) and Irumban Kunjuvaru Joshy.
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 13 206A Church Building Poovathussery Parakkadavu P. O, Angamaly, Kerala, India – 683579.
As per the financials filed for FY 2024, the company reported a revenue of ₹15.8 Lakh, a growth of 40% compared to the previous year. For the same year it recorded a net profit of ₹1.14 Lakh (net margin 7.2%) and EBITDA of ₹1.6 Lakh (EBITDA margin 10.1%). Revenue has grown at a compounded annual rate (CAGR) of 37% over three years and 19% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address13 206A Church Building Poovathussery Parakkadavu P. O, Angamaly, Kerala, India – 683579
- IndustryFinancial Services, Other Financial Intermediation
- 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 Pavanatma Chits Private Limited
The main business activity of Pavanatma Chits 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 Pavanatma Chits Private Limited FY 2025 filings available
Pavanatma Chits Private Limited reported revenue of ₹15.8 Lakh (up 40% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Pavanatma Chits Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 19% over five years, including 40% growth in the latest year. EBITDA rose 31% 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 Pavanatma Chits Private Limited
| 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 | ₹1.6 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹1.14 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 Pavanatma Chits Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 10.1% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 7.2% | •••• | •••• | •••• | •••• |
| 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 | •••• | •••• | •••• | •••• | •••• |
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 Pavanatma Chits are in the company report.
Financial statements from FY 2017
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 Pavanatma Chits Private Limited
Pavanatma Chits has 3 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Veliyathuparambil Vareed Augustine | Managing Director | 01 Feb 2017 | 9 Years 8 Months | Current |
| Irumban Kunjuvaru Joshy | Director | 01 Feb 2017 | 9 Years 8 Months | Current |
| Joseph Mathew Also directs: Poovathussery Kuries Private Limited | Director | 01 Feb 2017 | 9 Years 8 Months | Current |
Peer Comparison of Pavanatma Chits Private Limited
Pavanatma Chits Private Limited is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Infosign Financial Services Private Limited | ₹15.83 Lakh (FY 2024) | •••• | •••• | 6.0% | •••• | Kochi, Kerala, India |
| Saheli Micro Credit Foundation | ₹15.81 Lakh (FY 2024) | •••• | •••• | 5.0% | •••• | Varanasi, Uttar Pradesh, India |
| Gouri Sankar Co. Pvt. Ltd. | ₹15.81 Lakh (FY 2025) | •••• | •••• | 106.0% | •••• | Kolkata, West Bengal, India |
| Kasturi Vinimay Pvt. Ltd. | ₹15.81 Lakh (FY 2025) | •••• | •••• | -90.0% | •••• | Kolkata, West Bengal, India |
| Wamanbhau Urban Multiple Nidhi Limited | ₹15.8 Lakh (FY 2023) | •••• | •••• | 588.0% | •••• | Beed, Maharashtra, India |
| Pavanatma Chits Private Limited this company | ₹15.8 Lakh (FY 2024) | •••• | •••• | 40.0% | •••• | Angamaly, Kerala, India |
| Parsvanath Developers & Creators Private Limited | ₹15.8 Lakh (FY 2025) | •••• | •••• | -47.0% | •••• | Kolkata, West Bengal, India |
| Akansha Dealers Private Limited | ₹15.79 Lakh (FY 2025) | •••• | •••• | -1.0% | •••• | Kolkata, West Bengal, India |
| R & J Finance Services Private Limited | ₹15.78 Lakh (FY 2019) | •••• | •••• | -16.0% | •••• | New Delhi, Delhi, India |
| Vivekachandrika Chitty Fund Limited | ₹15.78 Lakh (FY 2025) | •••• | •••• | 63.0% | •••• | North Parur, Kerala, India |
| Octovia Kuries Private Limited | ₹15.78 Lakh (FY 2025) | •••• | •••• | 21.0% | •••• | Thrissur, Kerala, India |
Peers are the five companies nearest above and the five nearest below Pavanatma Chits by revenue in the same principal business activity (Other financial activities), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Ownership and Shareholding of Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
Pavanatma Chits Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Pavanatma Chits Private Limited
Employment history and EPFO contributions of people linked to Pavanatma Chits.
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 Pavanatma Chits Private Limited
Pavanatma Chits Private Limited has 3 board changes on record since 2017: 3 appointments. The latest: Irumban Kunjuvaru Joshy was appointed as Director on 01 Feb 2017.
Credit Ratings, Litigation & Regulatory Alerts for Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
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 Pavanatma Chits Private Limited
Pavanatma Chits is an active private limited company based in Angamaly, Kerala, India. The company works in other financial intermediation, within the financial services industry. It was incorporated on 01 February 2017 (9+ years old) and is registered under CIN U65990KL2017PTC047910.
Pavanatma Chits reported revenue of ₹15.8 Lakh for FY 2024 (up 40% YoY).
Pavanatma Chits has 3 current directors:
- Veliyathuparambil Vareed Augustine - Managing Director
- Irumban Kunjuvaru Joshy - Director
- Joseph Mathew - Director
Pavanatma Chits reported a net profit of ₹1.14 Lakh (net margin 7.2%) and EBITDA of ₹1.6 Lakh (EBITDA margin 10.1%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Pavanatma Chits is 37% over three years and 19% over five years. In the latest year (FY 2024) revenue rose 40%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Pavanatma Chits is U65990KL2017PTC047910. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Pavanatma Chits was incorporated on 01 February 2017, making it 9+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Pavanatma Chits by revenue are Infosign Financial Services Private Limited, Saheli Micro Credit Foundation, Gouri Sankar Co. Pvt. Ltd, Kasturi Vinimay Pvt. Ltd, Wamanbhau Urban Multiple Nidhi Limited and 5 more, all in the same principal business activity (Other financial activities).
Irumban Kunjuvaru Joshy was appointed as Director on 01 Feb 2017. Joseph Mathew was appointed as Director on 01 Feb 2017. Veliyathuparambil Vareed Augustine was appointed as Managing Director on 01 Feb 2017.
The registered office of Pavanatma Chits is at 13 206A Church Building Poovathussery Parakkadavu P. O, Angamaly, Kerala, India – 683579.
Pavanatma Chits has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹3 Lakh.