Smart Kredit Tech Private Limited
About Smart Kredit Tech Private Limited
Data last updated:
Smart Kredit Tech Private Limited is a private limited company based in Chennai, Tamil Nadu, India. It operates in the software products and publishing segment of the software and technology sector. It was incorporated on 27 May 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U72200TN2016PTC110631. Its GSTIN is 33AAXCS2855B1Z7 (Tamil Nadu).
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Badri Narayanan Veeraraghavan (Managing Director) and Srikanth Karumbati S.
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 Chennai, Tamil Nadu.
As per the financials filed for FY 2024, the company reported a revenue of ₹24.33 Lakh, reflecting significant growth compared to the previous year. For the same year it recorded a net loss of ₹10.58 Lakh (net margin -43.5%) and EBITDA of -₹10.56 Lakh (EBITDA margin -43.4%). Revenue has grown at a compounded annual rate (CAGR) of 354% over three years and 100% over five years.
The company is associated with 1 brand: Crigloo.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Smart Kredit Tech Private Limited's registered office is in Chennai, Tamil Nadu. Its e-mail address is in the company report.
- Email
- Registered AddressBlock 7 Villa 7 Perumbakkam Bollineni Hillside Nookampal, Ayam, Chennai, Tamil Nadu, India – 600073
- IndustrySoftware, Software Publishing, Software Development
To see the full contact details of Smart Kredit Tech 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
Brands
Smart Kredit Tech operates one associated brand: Crigloo. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Cloud and AI-based platform for omnichannel ad campaign management. | crigloo.com |
Business activity
The main business activity of Smart Kredit Tech is information and communication. In detail, this covers computer programming, consultancy and related activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| J | Information and communication | J6 | Computer programming, consultancy and related activities |
To see the full business activity and turnover split of Smart Kredit Tech Private Limited, buy the company report.
Financials of Smart Kredit Tech Private Limited
FY 2025 filings availableSmart Kredit Tech Private Limited reported revenue of ₹24.33 Lakh (up 515% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 100% over five years, including 515% growth in the latest year. EBITDA rose 51% 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 | -₹10.56 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹10.58 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 | -43.4% | ||||
| Net Profit Margin | -43.5% | ||||
| 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 Smart Kredit Tech Private Limited, buy the company report.
Board of directors of Smart Kredit Tech Private Limited
Smart Kredit Tech has 3 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Srikanth Karumbati S | Director | 27 May 2016 | 10 Years 5 Months | Current |
| Badri Narayanan Veeraraghavan | Managing Director | 27 May 2016 | 10 Years 5 Months | Current |
| Canjapalli Sundaram Krishna Kumar Also directs: Rainman Consulting Private Limited | Director | 01 Jul 2022 | 4 Years 3 Months | Current |
Peer comparison
Smart Kredit Tech Private Limited is compared with the 7 companies closest to it by revenue in the same principal business activity (computer programming, consultancy and related activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Carizen Software Private Limited | ₹24.33 Lakh (FY 2025) | -62.0% | Chennai, Tamil Nadu, India | |||
| Kreative Kart Design Solutions Private Limited | ₹24.33 Lakh (FY 2024) | -27.0% | Chennai, Tamil Nadu, India | |||
| Gamapp Sportswizz Tech Private Limited | ₹24.33 Lakh (FY 2024) | -42.0% | Bangalore, Karnataka, India | |||
| Verus Solutions Private Limited | ₹24.33 Lakh (FY 2025) | -10.0% | Hyderabad, Telangana, India | |||
| Smart Kredit Tech Private Limitedthis company | ₹24.33 Lakh (FY 2024) | -₹10.58 Lakh | -43.5% | 515.0% | Chennai, Tamil Nadu, India | |
| Dhina Technologies Private Limited | ₹24.31 Lakh (FY 2024) | 472.0% | Kalkulam, Tamil Nadu, India | |||
| Rytion Infotech Private Limited | ₹24.29 Lakh (FY 2021) | New Delhi, Delhi, India | ||||
| O2 Animation Studios Private Limited | ₹24.29 Lakh (FY 2023) | -27.0% | Banalore, Karnataka, India |
To see the full peer comparison of Smart Kredit Tech Private Limited, buy the company report.
Legal cases
No court or tribunal cases involving Smart Kredit Tech Private Limited are on our record; a case search with case numbers, parties and status is in the company report Buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Smart Kredit Tech Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Smart Kredit Tech has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AAXCS2855B1Z7 | Tamil Nadu | Active | 29 Nov 2017 |
To see the full GST registrations and return filing status of Smart Kredit Tech Private Limited, buy the company report.
Recent activity
Smart Kredit Tech Private Limited has 3 board changes on record since 2016: 3 appointments. The latest: Canjapalli Sundaram Krishna Kumar was appointed as Director on 01 Jul 2022.
Frequently asked questions
Smart Kredit Tech is an active private limited company based in Chennai, Tamil Nadu, India. The company works in software publishing, within the software industry. It was incorporated on 27 May 2016 (10+ years old) and is registered under CIN U72200TN2016PTC110631.
Smart Kredit Tech has 3 current directors:
- Badri Narayanan Veeraraghavan - Managing Director
- Srikanth Karumbati S - Director
- Canjapalli Sundaram Krishna Kumar - Director
The latest financial statements of Smart Kredit Tech 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 FY 2017 are in the company report.
The GSTIN of Smart Kredit Tech is 33AAXCS2855B1Z7, registered in Tamil Nadu.
The CIN (Corporate Identification Number) of Smart Kredit Tech is U72200TN2016PTC110631. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Smart Kredit Tech was incorporated on 27 May 2016, making it 10+ years old. It is registered with the Registrar of Companies, Chennai.
The peers of Smart Kredit Tech by revenue are Carizen Software Private Limited, Kreative Kart Design Solutions Private Limited, Gamapp Sportswizz Tech Private Limited, Verus Solutions Private Limited, Dhina Technologies Private Limited and 2 more, all in the same principal business activity (computer programming, consultancy and related activities).
Canjapalli Sundaram Krishna Kumar was appointed as Director on 01 Jul 2022. Badri Narayanan Veeraraghavan was appointed as Managing Director on 27 May 2016. Srikanth Karumbati S was appointed as Director on 27 May 2016.
The registered office of Smart Kredit Tech is at Block 7 Villa 7 Perumbakkam Bollineni Hillside Nookampal, Ayam, Chennai, Tamil Nadu, India – 600073.
Smart Kredit Tech operates in the software industry, in the software publishing segment.
The compliance status of Smart Kredit Tech is compliant as of 10 September 2026. The company is actively filing with the Registrar of Companies.