About Sartha Micro Finance Foundation
Data last updated:
Sartha Micro Finance Foundation is a private not for profit company based in Raipur, Chhattisgarh, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 05 September 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Chhattisgarh, under CIN U85300CT2016NPL007509.
The company has an authorised share capital of ₹75 Lakh and a paid-up capital of ₹48 Lakh. It is led by directors including Rajat Kumar Sharma and Payal Kedia.
Its last annual general meeting (AGM) was held on 25 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Ff – 40 Samvet Shikhar Complex Rajbandha Maidan, Raipur, Chhattisgarh, India – 492001.
As per the financials filed for FY 2023, the company reported a revenue of ₹27.36 Lakh, a growth of 1% compared to the previous year. For the same year it recorded a net profit of ₹2.3 Lakh (net margin 8.4%) and EBITDA of ₹4.9 Lakh (EBITDA margin 17.9%). Revenue has grown at a compounded annual rate (CAGR) of 6% over three years and 20% over five years.
The company is associated with 1 brand: Sartha Micro Finanace Foundation. The company has 2 deals on record (2 funding rounds), with disclosed funding of ₹43 Lakh; the latest was in April 2018. Its 10 peer companies in the BFSI industry (Finance, Micro Finance) are compared by revenue, 5 larger and 5 smaller; the largest is Balan Chit Funds Private Limited with revenue of ₹27.5 Lakh.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website sarthamicrofinance.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressFf – 40 Samvet Shikhar Complex Rajbandha Maidan, Raipur, Chhattisgarh, India – 492001
- 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 Sartha Micro Finance Foundation
The main business activity of Sartha Micro Finance Foundation 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 Sartha Micro Finance Foundation FY 2025 filings available
Sartha Micro Finance Foundation reported revenue of ₹27.36 Lakh (up 1% YoY) for FY 2023.
Compounded Annual Growth Rate (CAGR) of Sartha Micro Finance Foundation
Revenue has grown at a compounded annual rate (CAGR) of 20% over five years, including 1% growth in the latest year. EBITDA fell 2% 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 Sartha Micro Finance Foundation
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| 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 | ₹4.9 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹2.3 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 Sartha Micro Finance Foundation
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 17.9% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 8.4% | •••• | •••• | •••• | •••• |
| 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 Sartha Micro Finance Foundation 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.
Peer Comparison of Sartha Micro Finance Foundation
Sartha Micro Finance Foundation is compared with the companies closest to it by revenue in the BFSI industry (Finance, 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 |
|---|---|---|---|---|---|---|
| Balan Chit Funds Private Limited | ₹27.5 Lakh (FY 2023) | •••• | •••• | 19.0% | •••• | Thiruvidaimaruthur, Tamil Nadu, India |
| Leisure Finance and Investment Private Limited | ₹27.47 Lakh (FY 2025) | •••• | •••• | -10.0% | •••• | New Delhi, Delhi, India |
| Richkon Finance Private Limited | ₹27.45 Lakh (FY 2024) | •••• | •••• | •••• | Kanigiri, Andhra Pradesh, India | |
| Ujam Finance Pvt Ltd | ₹27.44 Lakh (FY 2025) | •••• | •••• | 98.0% | •••• | Mumbai, Maharashtra, India |
| New Charan Kanwal Finance Company Private Limited | ₹27.44 Lakh (FY 2025) | •••• | •••• | 1.0% | •••• | Kolkata, West Bengal, India |
| Sartha Micro Finance Foundation this company | ₹27.36 Lakh (FY 2023) | •••• | •••• | 1.0% | •••• | Raipur, Chhattisgarh, India |
| K.P.G. Leasing & Finance Private Limited | ₹27.34 Lakh (FY 2024) | •••• | •••• | 424.0% | •••• | Delhi, India |
| Marwah Finance Pvt Ltd | ₹27.3 Lakh (FY 2022) | •••• | •••• | 115.0% | •••• | Raipur, Chhattisgarh, India |
| Kewalramani Finance and Investments Co Pvt Ltd | ₹27.29 Lakh (FY 2024) | •••• | •••• | 84.0% | •••• | Mumbai, Maharashtra, India |
| Lloyd Kuries Private Limited | ₹27.28 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | Thrissur, Kerala, India |
| SVM Impex & Finance Pvt. Ltd. | ₹27.22 Lakh (FY 2025) | •••• | •••• | 74.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Sartha Micro Finance Foundation by revenue in the BFSI industry (Finance, 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 Sartha Micro Finance Foundation
Sartha Micro Finance Foundation is audited by AGRAWAL SHUKLA & CO. for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| AGRAWAL SHUKLA & CO. | 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 Sartha Micro Finance Foundation
Sartha Micro Finance Foundation 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 |
|---|---|---|---|---|
| Rajat Kumar Sharma | Director | 05 Sep 2016 | 10 Years 1 Months | Current |
| Payal Kedia | Director | 10 Mar 2018 | 8 Years 7 Months | Current |
| Shashi Sharma Also directs: Achala Infracon Private Limited, Finovel Fintech Private Limited | Director | 05 Sep 2016 | 10 Years 1 Months | Current |
| Sangeeta Khatwani | Director | 05 Sep 2016 | 10 Years 1 Months | Current |
Ownership and Shareholding of Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
Sartha Micro Finance Foundation does not have any charges (loans) registered with the Registrar of Companies.
Deals & Funding of Sartha Micro Finance Foundation
Sartha Micro Finance Foundation has 2 deals on record (2 funding rounds), with disclosed funding of ₹43 Lakh; the latest was in April 2018.
Deals on record (2 of 2)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Apr 2018 | Funding round | ₹24 Lakh | Investors: 4 individuals |
| Mar 2017 | Funding round | ₹19 Lakh | Investors: 4 individuals |
Full deal history
All 2 deals with amounts, valuations, instruments and every party are in the company report.
- Every funding round and share transfer
- Amounts and valuations
- Investors, buyers and sellers
- Instruments and deal dates
Verified entity values are shown only after access is granted.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Associated Brands with Sartha Micro Finance Foundation
Sartha Micro Finance Foundation operates one associated brand: Sartha Micro Finanace Foundation. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers micro-credit services to low-income individuals and businesses. | sarthamicrofinance.com |
Employees and EPFO Compliance at Sartha Micro Finance Foundation
Employment history and EPFO contributions of people linked to Sartha Micro Finance Foundation.
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 Sartha Micro Finance Foundation
Sartha Micro Finance Foundation has 5 board changes on record since 2016: 4 appointments and 1 cessation. The latest: Shyamsunder Sharma ceased to be Director on 24 Dec 2023.
Credit Ratings, Litigation & Regulatory Alerts for Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
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 Sartha Micro Finance Foundation
Sartha Micro Finance Foundation is an active private not for profit company based in Raipur, Chhattisgarh, India. The company works in financial activities, within the financial services industry. It was incorporated on 05 September 2016 (10+ years old) and is registered under CIN U85300CT2016NPL007509.
Sartha Micro Finance Foundation reported revenue of ₹27.36 Lakh for FY 2023 (up 1% YoY).
Sartha Micro Finance Foundation has 4 current directors:
- Rajat Kumar Sharma - Director
- Payal Kedia - Director
- Shashi Sharma - Director
- Sangeeta Khatwani - Director
Sartha Micro Finance Foundation reported a net profit of ₹2.3 Lakh (net margin 8.4%) and EBITDA of ₹4.9 Lakh (EBITDA margin 17.9%) for FY 2023, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Sartha Micro Finance Foundation is -6% over three years and 20% over five years. In the latest year (FY 2023) revenue rose 1%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Sartha Micro Finance Foundation is U85300CT2016NPL007509. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Sartha Micro Finance Foundation was incorporated on 05 September 2016, making it 10+ years old. It is registered with the Registrar of Companies, Chhattisgarh.
Sartha Micro Finance Foundation has 2 deals on record (2 funding rounds), with disclosed funding of ₹43 Lakh; the latest was in April 2018.
The peers of Sartha Micro Finance Foundation by revenue are Balan Chit Funds Private Limited, Leisure Finance and Investment Private Limited, Richkon Finance Private Limited, Ujam Finance Pvt Ltd, New Charan Kanwal Finance Company Private Limited and 5 more, all in the BFSI industry (Finance, Micro Finance).
Shyamsunder Sharma ceased to be Director on 24 Dec 2023. Payal Kedia was appointed as Director on 10 Mar 2018. Rajat Kumar Sharma was appointed as Director on 05 Sep 2016. Sartha Micro Finance Foundation has 5 board changes on record in total.
Sartha Micro Finance Foundation can be reached through the website sarthamicrofinance.com. Its registered office is in Raipur, Chhattisgarh, India.