RDB Chitties Private Limited
About RDB Chitties Private Limited
Data last updated:
RDB Chitties Private Limited is a private limited company based in Ernakulam, Kerala, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 20 July 2013 and has been in existence for over 13 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2013PTC034575.
The company has an authorised share capital of ₹5 Lakh and a paid-up capital of ₹5 Lakh. It is led by directors including Biju Thaiparambil Joseph (Managing Director) and Ramadil Suresh (Whole-Time Director).
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 126/VIII Naduvilaparambil Buildings Pathalam Jun Kuttikkattukara P O Eloor, Ernakulam, Kerala, India – 683501.
As per the financials filed for FY 2025, the company reported a revenue of ₹2.37 Lakh, a decline of 21% compared to the previous year. For the same year it recorded a net loss of ₹30,713 (net margin -12.9%) and EBITDA of -₹28,541 (EBITDA margin -12%). Revenue has declined at a compounded annual rate (CAGR) of 5% over three years and 1% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address126/VIII Naduvilaparambil Buildings Pathalam Jun Kuttikkattukara P O Eloor, Ernakulam, Kerala, India – 683501
- IndustryFinancial Services, Financial Activities
- 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 RDB Chitties Private Limited
The main business activity of RDB Chitties 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 RDB Chitties Private Limited FY 2025 filings available
RDB Chitties Private Limited reported revenue of ₹2.37 Lakh (down 21% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of RDB Chitties Private Limited
Revenue has declined at a compounded annual rate (CAGR) of 1% over five years, including a 21% fall in the latest year. EBITDA fell 149% 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 RDB Chitties Private Limited
| 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 | -₹28,541 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹30,713 | •••• | •••• | •••• | •••• |
| 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 RDB Chitties Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -12% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -12.9% | •••• | •••• | •••• | •••• |
| 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 RDB Chitties 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.
Peer Comparison of RDB Chitties Private Limited
RDB Chitties Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Micro Finance). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Sri Neelakanda Vinayaga Chit Funds Private Limited | ₹2.43 Lakh (FY 2024) | •••• | •••• | -5.0% | •••• | Tamil Nadu, India |
| Aanandhalakshmi Chits Private Limited | ₹2.4 Lakh (FY 2025) | •••• | •••• | -66.0% | •••• | Chennai, Tamil Nadu, India |
| TK Chit Funds Private Limited | ₹2.4 Lakh (FY 2025) | •••• | •••• | -45.0% | •••• | Akola, Maharashtra, India |
| Tiruvarur Ohm Senthil Chits Private Limited | ₹2.39 Lakh (FY 2025) | •••• | •••• | -66.0% | •••• | Tiruvarur, Tamil Nadu, India |
| Osmanabad Urban Multipurpose Nidhi Limited | ₹2.37 Lakh (FY 2025) | •••• | •••• | -28.0% | •••• | Osmanabad, Maharashtra, India |
| RDB Chitties Private Limited this company | ₹2.37 Lakh (FY 2025) | •••• | •••• | -21.0% | •••• | Ernakulam, Kerala, India |
| Kattikaran Nidhi Limited | ₹2.36 Lakh (FY 2021) | •••• | •••• | 14.0% | •••• | Angamaly, Kerala, India |
| New Step Chits Private Limited | ₹2.36 Lakh (FY 2019) | •••• | •••• | -74.0% | •••• | Sindhanur, Karnataka, India |
| Serried Micro Finance Foundation | ₹2.36 Lakh (FY 2025) | •••• | •••• | 3.0% | •••• | Ghazipur, Uttar Pradesh, India |
| Moovar Ivar Chits Private Limited | ₹2.36 Lakh (FY 2024) | •••• | •••• | 93.0% | •••• | Manapparai, Tamil Nadu, India |
| Credilab Micro Finance Private Limited | ₹2.35 Lakh (FY 2025) | •••• | •••• | 12970.0% | •••• | Delhi, India |
Peers are the five companies nearest above and the five nearest below RDB Chitties by revenue in the BFSI industry (Micro Finance), 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 RDB Chitties Private Limited
RDB Chitties Private Limited is audited by VARGIS JACOB AND ASSOCIATES for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| VARGIS JACOB AND ASSOCIATES | 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.
Board of Directors of RDB Chitties Private Limited
RDB Chitties has 4 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ramadil Suresh | Whole-Time Director | 20 Jul 2013 | 13 Years 2 Months | Current |
| Libily | Whole-Time Director | 21 Feb 2017 | 9 Years 7 Months | Current |
| Luxy | Whole-Time Director | 21 Feb 2017 | 9 Years 7 Months | Current |
| Biju Thaiparambil Joseph | Managing Director | 20 Jul 2013 | 13 Years 2 Months | Current |
Ownership and Shareholding of RDB Chitties 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 RDB Chitties Private Limited
RDB Chitties Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at RDB Chitties Private Limited
Employment history and EPFO contributions of people linked to RDB Chitties.
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 RDB Chitties Private Limited
RDB Chitties Private Limited has 5 board changes on record since 2013: 4 appointments and 1 cessation. The latest: Libily was appointed as Whole-Time Director on 21 Feb 2017.
Credit Ratings, Litigation & Regulatory Alerts for RDB Chitties 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 RDB Chitties 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 RDB Chitties 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 RDB Chitties 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 RDB Chitties 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 RDB Chitties Private Limited
RDB Chitties is an active private limited company based in Ernakulam, Kerala, India. The company works in financial activities, within the financial services industry. It was incorporated on 20 July 2013 (13+ years old) and is registered under CIN U65992KL2013PTC034575.
RDB Chitties reported revenue of ₹2.37 Lakh for FY 2025 (down 21% YoY).
RDB Chitties has 4 current directors:
- Biju Thaiparambil Joseph - Managing Director
- Ramadil Suresh - Whole-Time Director
- Libily - Whole-Time Director
- Luxy - Whole-Time Director
RDB Chitties reported a net loss of ₹30,713 (net margin -12.9%) and EBITDA of -₹28,541 (EBITDA margin -12%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of RDB Chitties is -5% over three years and -1% over five years. In the latest year (FY 2025) revenue fell 21%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of RDB Chitties is U65992KL2013PTC034575. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
RDB Chitties was incorporated on 20 July 2013, making it 13+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of RDB Chitties by revenue are Sri Neelakanda Vinayaga Chit Funds Private Limited, Aanandhalakshmi Chits Private Limited, TK Chit Funds Private Limited, Tiruvarur Ohm Senthil Chits Private Limited, Osmanabad Urban Multipurpose Nidhi Limited and 5 more, all in the BFSI industry (Micro Finance).
Libily was appointed as Whole-Time Director on 21 Feb 2017. Luxy was appointed as Whole-Time Director on 21 Feb 2017. Ramadil Suresh ceased to be Director on 21 Feb 2017. RDB Chitties has 5 board changes on record in total.
The registered office of RDB Chitties is at 126VIII Naduvilaparambil Buildings Pathalam Jun Kuttikkattukara P O Eloor, Ernakulam, Kerala, India – 683501.
RDB Chitties has an authorised share capital of ₹5 Lakh and a paid-up capital of ₹5 Lakh.