R G Credit Pvt Ltd
About R G Credit Pvt Ltd
Data last updated:
R G Credit Pvt Ltd is a private limited company based in Kolkata, West Bengal, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 03 September 1992 and has been in existence for over 34 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U65992WB1992PTC056496. Its GSTIN is 19AABCR2359D1ZH (West Bengal).
The company has an authorised share capital of ₹2.5 Cr and a paid-up capital of ₹49.1 Lakh. It is led by directors Siddharth Karnani and Karnani Ritesh.
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 8 Bentick Street1St Floor, Kolkata, West Bengal, India – 700001.
As per the financials filed for FY 2024, the company reported a revenue of ₹1.34 Cr, a decline of 23% compared to the previous year. For the same year it recorded a net profit of ₹51.78 Lakh (net margin 38.7%) and EBITDA of ₹1.19 Cr (EBITDA margin 89.2%). Revenue has declined at a compounded annual rate (CAGR) of 19% over three years and 5% over five years.
Court records list 2 cases involving the company, including 2 filed by the company; 2 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
R G Credit Pvt Ltd's registered office is in Kolkata, West Bengal. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered Address8 Bentick Street1St Floor, Kolkata, West Bengal, India – 700001
- IndustryFinancial Services, Financial Activities
To see the full contact details of R G Credit 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 R G Credit 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 R G Credit Pvt Ltd, buy the company report.
Financials of R G Credit Pvt Ltd
FY 2025 filings availableR G Credit Pvt Ltd reported revenue of ₹1.34 Cr (down 23% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 5% over five years, including a 23% fall in the latest year. EBITDA fell 25% 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 |
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| EBITDA | ₹1.19 Cr | ||||
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| Tax Expense | |||||
| Net Profit (PAT) | ₹51.78 Lakh | ||||
| Balance Sheet | |||||
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Financial Ratios
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 89.2% | ||||
| Net Profit Margin | 38.7% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of R G Credit Pvt Ltd, buy the company report.
Board of directors of R G Credit Pvt Ltd
R G Credit has 2 current directors and 6 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Siddharth Karnani | Director | 24 Mar 2023 | 3 Years 7 Months | Current |
| Karnani Ritesh | Director | 05 Sep 2022 | 4 Years 2 Months | Current |
Peer comparison
R G Credit Pvt Ltd is compared with the 4 companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), 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 |
|---|---|---|---|---|---|---|
| Rainbow Capital Pvt Ltd | ₹1.34 Cr (FY 2025) | 65.0% | Kolkata, West Bengal, India | |||
| Yash Vardhan Securities Limited | ₹1.34 Cr (FY 2024) | -17.0% | Kolkata, West Bengal, India | |||
| R G Credit Pvt Ltdthis company | ₹1.34 Cr (FY 2024) | ₹51.78 Lakh | 38.7% | -23.0% | Kolkata, West Bengal, India | |
| Osm Investment & Trading Co Ltd | ₹1.34 Cr (FY 2019) | 16.0% | Kolkata, West Bengal, India | |||
| Ranjitgarh Finance Company Private Limited | ₹1.33 Cr (FY 2025) | -3.0% | Delhi, India |
To see the full peer comparison of R G Credit Pvt Ltd, buy the company report.
Auditor
R G Credit Pvt Ltd is audited by AgarwalMaheswari&Co. for the financial year 2017.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| AgarwalMaheswari&Co. | FY 2017 | 314030E |
Shareholding
The shareholding of R G Credit Pvt Ltd 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 R G Credit Pvt Ltd, buy the company report.
Legal cases
R G Credit Pvt Ltd has 2 court cases on record: 2 filed by R G Credit. All cases are pending.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 2 | 0 | 2 |
Cases on record (2 of 2)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against an individual | Pending |
| District court, South Twenty Four Parganas, West Bengal | Criminal complaint | Filed by the company against an individual | Pending |
To see the full case history of R G Credit 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 R G Credit Pvt Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
R G Credit has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 19AABCR2359D1ZH | West Bengal | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of R G Credit Pvt Ltd, buy the company report.
Recent activity
R G Credit Pvt Ltd has 8 board changes on record since 2012: 2 appointments and 6 cessations. The latest: Ramesh Kumar Karnani ceased to be Additional Director on 19 Aug 2024.
Frequently asked questions
R G Credit is an active private limited company based in Kolkata, West Bengal, India. The company works in financial activities, within the financial services industry. It was incorporated on 03 September 1992 (34+ years old) and is registered under CIN U65992WB1992PTC056496.
R G Credit has 2 current directors:
- Siddharth Karnani - Director
- Karnani Ritesh - Director
The latest financial statements of R G Credit 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 R G Credit is 19AABCR2359D1ZH, registered in West Bengal.
The CIN (Corporate Identification Number) of R G Credit is U65992WB1992PTC056496. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
R G Credit has 2 court cases on record: 2 filed by the company. 2 are pending.
R G Credit was incorporated on 03 September 1992, making it 34+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of R G Credit by revenue are Rainbow Capital Pvt Ltd, Yash Vardhan Securities Limited, Osm Investment & Trading Co Ltd, Ranjitgarh Finance Company Private Limited, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Ramesh Kumar Karnani ceased to be Additional Director on 19 Aug 2024. Siddharth Karnani ceased to be Additional Director on 19 Aug 2024. Siddharth Karnani was appointed as Director on 24 Mar 2023. R G Credit has 8 board changes on record in total.
The registered office of R G Credit is at 8 Bentick Street1St Floor, Kolkata, West Bengal, India – 700001.
R G Credit operates in the financial services industry, in the financial activities segment.
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