Seiko Chitfund Private Limited
About Seiko Chitfund Private Limited
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Seiko Chitfund Private Limited is a private limited company based in Lucknow, Uttar Pradesh, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 07 March 1990 and has been in existence for over 36 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U65992UP1990PTC011713.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹4 Lakh. It is led by directors Rekha Sharma (Whole-Time Director) and Rajroop Lal Sharma.
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 317 – 318 Prince Complex Nawal Kishor Road Lucknow, Uttar Pradesh, India – 226001.
As per the financials filed for FY 2023, the company reported a revenue of ₹48,134, a decline of 70% compared to the previous year. For the same year it recorded a net loss of ₹1.14 Lakh (net margin -236.2%) and EBITDA of -₹1.13 Lakh (EBITDA margin -233.8%). Revenue has declined at a compounded annual rate (CAGR) of 62% over three years and 45% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address317 – 318 Prince Complex Nawal Kishor Road Lucknow, Uttar Pradesh, India – 226001
- IndustryFinancial Services, Microfinance Institutions
- 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
Financials of Seiko Chitfund Private Limited FY 2025 filings available
Seiko Chitfund Private Limited reported revenue of ₹48,134 (down 70% YoY) for FY 2023.
Compounded Annual Growth Rate (CAGR) of Seiko Chitfund Private Limited
Revenue has declined at a compounded annual rate (CAGR) of 45% over five years, including a 70% fall in the latest year. EBITDA rose 56% 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 Seiko Chitfund Private Limited
| 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 | -₹1.13 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 Seiko Chitfund Private Limited
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -233.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -236.2% | •••• | •••• | •••• | •••• |
| 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 Seiko Chitfund 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.
Board of Directors of Seiko Chitfund Private Limited
Seiko Chitfund has 2 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Rekha Sharma | Whole-Time Director | 21 May 1992 | 34 Years 5 Months | Current |
| Rajroop Lal Sharma | Director | 06 Dec 1992 | 33 Years 10 Months | Current |
Peer Comparison of Seiko Chitfund Private Limited
Seiko Chitfund 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 |
|---|---|---|---|---|---|---|
| Be-In-Touch Microcare Foundation | ₹50,000 (FY 2022) | •••• | •••• | •••• | Kolkata, West Bengal, India | |
| Samaagam Vikas Foundation | ₹50,000 (FY 2025) | •••• | •••• | •••• | Noida, Uttar Pradesh, India | |
| HZB Mudra Nidhi Limited | ₹49,650 (FY 2023) | •••• | •••• | •••• | Hazaribag, Jharkhand, India | |
| Gravity Chits Private Limited | ₹49,613 (FY 2020) | •••• | •••• | -89.0% | •••• | Koovappady Grama Panchayath, Kerala, India |
| Shrisidhi Vinayak Micro Finance Foundation | ₹49,600 (FY 2024) | •••• | •••• | 21.0% | •••• | Varanasi, Uttar Pradesh, India |
| Seiko Chitfund Private Limited this company | ₹48,134 (FY 2023) | •••• | •••• | -70.0% | •••• | Lucknow, Uttar Pradesh, India |
| Aramseiyya Virumbhu Chitfunds Private Limited | ₹48,000 (FY 2025) | •••• | •••• | •••• | Chennai, Tamil Nadu, India | |
| Kisaan Micro Finance Foundation | ₹48,000 (FY 2018) | •••• | •••• | 48.0% | •••• | Palamu, Jharkhand, India |
| Rajabogam Chit Funds Private Limited | ₹47,900 (FY 2021) | •••• | •••• | •••• | Thanjavur, Tamil Nadu, India | |
| Lakshmikrupa Urban Nidhi Limited | ₹47,790 (FY 2024) | •••• | •••• | •••• | Malsras, Maharashtra, India | |
| Yadugiri Chits Private Limited | ₹47,519 (FY 2019) | •••• | •••• | -76.0% | •••• | Mysore, Karnataka, India |
Peers are the five companies nearest above and the five nearest below Seiko Chitfund 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 Seiko Chitfund Private Limited
Seiko Chitfund Private Limited is audited by D K A ASSOCIATES for the financial year 2018.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| D K A 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.
Ownership and Shareholding of Seiko Chitfund 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 Seiko Chitfund Private Limited
Seiko Chitfund Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Seiko Chitfund Private Limited
Employment history and EPFO contributions of people linked to Seiko Chitfund.
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 Seiko Chitfund Private Limited
Seiko Chitfund Private Limited has 3 board changes on record since 1992: 2 appointments and 1 cessation. The latest: Manmohan Sharma ceased to be Managing Director on 31 Dec 2020.
Credit Ratings, Litigation & Regulatory Alerts for Seiko Chitfund 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 Seiko Chitfund 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 Seiko Chitfund 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 Seiko Chitfund 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 Seiko Chitfund 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 Seiko Chitfund Private Limited
Seiko Chitfund is an active private limited company based in Lucknow, Uttar Pradesh, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 07 March 1990 (36+ years old) and is registered under CIN U65992UP1990PTC011713.
Seiko Chitfund reported revenue of ₹48,134 for FY 2023 (down 70% YoY).
Seiko Chitfund has 2 current directors:
- Rekha Sharma - Whole-Time Director
- Rajroop Lal Sharma - Director
Seiko Chitfund reported a net loss of ₹1.14 Lakh (net margin -236.2%) and EBITDA of -₹1.13 Lakh (EBITDA margin -233.8%) for FY 2023, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Seiko Chitfund is -62% over three years and -45% over five years. In the latest year (FY 2023) revenue fell 70%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Seiko Chitfund is U65992UP1990PTC011713. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Seiko Chitfund was incorporated on 07 March 1990, making it 36+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
The peers of Seiko Chitfund by revenue are Be-In-Touch Microcare Foundation, Samaagam Vikas Foundation, HZB Mudra Nidhi Limited, Gravity Chits Private Limited, Shrisidhi Vinayak Micro Finance Foundation and 5 more, all in the BFSI industry (Micro Finance).
Manmohan Sharma ceased to be Managing Director on 31 Dec 2020. Rajroop Lal Sharma was appointed as Director on 06 Dec 1992. Rekha Sharma was appointed as Whole-Time Director on 21 May 1992.
The registered office of Seiko Chitfund is at 317 – 318 Prince Complex Nawal Kishor Road Lucknow, Uttar Pradesh, India – 226001.
Seiko Chitfund has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹4 Lakh.