About Pooram Chits Private Limited
Data last updated:
Pooram Chits Private Limited 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 03 June 2015 and has been in existence for over 11 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2015PTC038578. Its GSTIN is 32AAICP1453F1ZR (Kerala).
The company has an authorised share capital of ₹2.25 Cr and a paid-up capital of ₹2.21 Cr. It is led by directors Anilkumar Chozhiyankunnath Krishnan and Sunil Krishnan Chozhiyankunnath.
Its last annual general meeting (AGM) was held on 25 September 2024, and its latest financial statements are for the year ended 31 March 2024. The registered office is at Thrissur, Kerala.
As per the financials filed for FY 2024, the company reported a revenue of ₹25.11 Lakh, a decline of 15% compared to the previous year. For the same year it recorded a net loss of ₹11.94 Lakh (net margin -47.5%) and EBITDA of -₹10.97 Lakh (EBITDA margin -43.7%). Revenue has grown at a compounded annual rate (CAGR) of 13% over three years and 7% over five years.
The company has about 15 employees on its provident fund (EPFO) records.
Court records list 200 cases involving the company, including 199 filed by the company and 1 filed against it; 66 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 pooramchit.com.
Company details
Contact details
Pooram Chits Private Limited's registered office is in Thrissur, Kerala. Its website is pooramchit.com. Its e-mail address is in the company report.
- Email
- Website
- Registered Address26/49 – 14 First Floor, Sk Building Ancherychira, Thrissur, Kerala, India – 680006
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Pooram 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 Pooram 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 Pooram Chits Private Limited, buy the company report.
Financials of Pooram Chits Private Limited
FY 2024 filings availablePooram Chits Private Limited reported revenue of ₹25.11 Lakh (down 15% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR)
Revenue fell 15% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 7%. EBITDA fell 7% 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 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 | -₹10.97 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹11.94 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 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -43.7% | ||||
| Net Profit Margin | -47.5% | ||||
| 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 Pooram Chits Private Limited, buy the company report.
Board of directors of Pooram Chits Private Limited
Pooram Chits has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Anilkumar Chozhiyankunnath Krishnan | Director | 03 Jun 2015 | 11 Years 4 Months | Current |
| Sunil Krishnan Chozhiyankunnath | Director | 03 Jun 2015 | 11 Years 4 Months | Current |
Peer comparison
Pooram Chits Private Limited is compared with the 9 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 |
|---|---|---|---|---|---|---|
| Ayurlekshmi Nidhi Limited | ₹25.43 Lakh (FY 2025) | 21.0% | Kollam, Kerala, India | |||
| Pokkisham Chit Fund Private Limited | ₹25.33 Lakh (FY 2018) | 4.0% | Tiruchirappalli, Tamil Nadu, India | |||
| Sarojini Chit Funds Private Limited | ₹25.23 Lakh (FY 2025) | 8.0% | Coimbatore, Tamil Nadu, India | |||
| KVF Nidhi Limited | ₹25.21 Lakh (FY 2025) | 76.0% | Chengannur, Kerala, India | |||
| Pooram Chits Private Limitedthis company | ₹25.11 Lakh (FY 2024) | -₹11.94 Lakh | -47.5% | -15.0% | 15 | Thrissur, Kerala, India |
| Jeevan Deep Micro Credit | ₹25.11 Lakh (FY 2025) | 1.0% | Jaunpur, Uttar Pradesh, India | |||
| KMRS Nidhi Limited | ₹25.02 Lakh (FY 2022) | 265.0% | Dhampur, Uttar Pradesh, India | |||
| Sreekarayil Chits (India) Limited | ₹25.01 Lakh (FY 2024) | -71.0% | Tirupur, Tamil Nadu, India | |||
| Mbi India Nidhi Limited | ₹24.97 Lakh (FY 2025) | -9.0% | Jalore, Rajasthan, India | |||
| Baig & Shah Chit Fund Private Limited | ₹24.87 Lakh (FY 2021) | -7.0% | Hyderabad, Telangana, India |
To see the full peer comparison of Pooram Chits Private Limited, buy the company report.
Auditor
Pooram Chits Private Limited is audited by V K S NARAYAN & CO for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| V K S NARAYAN & CO | FY 2018 | 002399S |
Shareholding
The shareholding of Pooram Chits Private Limited is on record for 3 financial years, the latest being FY 2018, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Pooram Chits Private Limited, buy the company report.
Legal cases
Pooram Chits Private Limited has 200 court cases on record: 199 filed by Pooram Chits, 1 filed against it. 66 cases are pending and 134 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 199 | 1 | 65 |
| High courts | 1 | 0 | 1 |
Cases on record (5 of 200)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thrissur, Kerala | Execution petition | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Criminal case | Filed by the company against an individual | Disposed |
| District court, Thrissur, Kerala | Criminal case | Filed by the company against an individual | Disposed |
| District court, Thrissur, Kerala | Criminal case | Filed by the company against an individual | Disposed |
| District court, Thrissur, Kerala | Criminal case | Filed by the company against an individual | Disposed |
To see the full case history of Pooram 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 Pooram Chits Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Pooram Chits Private Limited has a workforce of 15 employees on its EPFO records as of Apr 06, 2024, across 1 active EPFO establishment.
GST
Pooram Chits has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAICP1453F1ZR | Kerala | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Pooram Chits Private Limited, buy the company report.
Recent activity
Pooram Chits Private Limited has 2 board changes on record since 2015: 2 appointments. The latest: Anilkumar Chozhiyankunnath Krishnan was appointed as Director on 03 Jun 2015.
Frequently asked questions
Pooram Chits 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 03 June 2015 (11+ years old) and is registered under CIN U65992KL2015PTC038578.
Pooram Chits has 2 current directors:
- Anilkumar Chozhiyankunnath Krishnan - Director
- Sunil Krishnan Chozhiyankunnath - Director
The latest financial statements of Pooram Chits on record with the MCA are for the year ended 31 March 2024. Its last annual general meeting was held on 25 September 2024. Year-wise statements from FY 2016 are in the company report.
The GSTIN of Pooram Chits is 32AAICP1453F1ZR, registered in Kerala.
The CIN (Corporate Identification Number) of Pooram Chits is U65992KL2015PTC038578. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Pooram Chits has 200 court cases on record: 199 filed by the company and 1 filed against it. 66 are pending. Most are in the district courts.
Pooram Chits was incorporated on 03 June 2015, making it 11+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Pooram Chits by revenue are Ayurlekshmi Nidhi Limited, Pokkisham Chit Fund Private Limited, Sarojini Chit Funds Private Limited, KVF Nidhi Limited, Jeevan Deep Micro Credit and 4 more, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Anilkumar Chozhiyankunnath Krishnan was appointed as Director on 03 Jun 2015. Sunil Krishnan Chozhiyankunnath was appointed as Director on 03 Jun 2015.
Pooram Chits can be reached through the website pooramchit.com. Its registered office is in Thrissur, Kerala, India.
The registered office of Pooram Chits is at 2649 – 14 First Floor, Sk Building Ancherychira, Thrissur, Kerala, India – 680006.