MSME (Udyam registered) Ministry of MSME
- Category
- Micro (2021-22)
- Udyam number
- UDYAM-MH-19-0064140
Umunthu System Private Limited - internet in Mumbai, Maharashtra, India. FY 2026 financials & compliance.
Revenue · FY 2024
₹13.3 Lakh
▼ 25% YoY
Net loss · FY 2024
₹3.31 Cr
Latest filing
EBITDA · FY 2024
-₹3.62 Cr
Latest filing
Authorised capital
₹10 Lakh
Registered with MCA
Paid-up capital
₹1.02 Lakh
Issued & subscribed
Company age
5 yrs
Est. 2021
Directors on board
3
As per MCA filings
Brands
1
Associated brands
About Umunthu System Private Limited
Data last updated:
Umunthu System Private Limited is a private limited company based in Mumbai, Maharashtra, India. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 21 April 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U72900MH2021PTC359308.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1.02 Lakh. It is led by directors including Harsh Udit Chhatrapati and Udit Ramesh Chhatrapati.
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 710 Trade Centre Opp Mtnl Building Bandra Kurla Complex Bandra East, Mumbai, Maharashtra, India – 400051.
As per the financials filed for FY 2024, the company reported a revenue of ₹13.3 Lakh, a decline of 25% compared to the previous year. For the same year it recorded a net loss of ₹3.31 Cr and EBITDA of -₹3.62 Cr.
The company is associated with 1 brand: Galgal. The company has 1 deal on record (1 funding round), with disclosed funding of ₹8.18 Cr; the latest was in November 2022. Its 10 peer companies in the Ecommerce and Internet industry (Finance) are compared by revenue, 5 larger and 5 smaller; the largest is DFL Finance Private Limited with revenue of ₹13.32 Lakh. The company has 1 MSME Form 1 return on record for the period ending Mar 2024, listing 2 overdue payments to 2 micro and small suppliers.
Umunthu System Private Limited is registered as a micro enterprise under the Udyam registration framework (Reg. No. UDYAM-MH-19-0064140). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website galgal.money.
Company Details of Umunthu System Private Limited
CIN U72900MH2021PTC359308
Registration Number 359308
Incorporation Date 21 April 2021
ROC Mumbai
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Micro
Udyam Registration UDYAM-MH-19-0064140
Key People
Harsh Udit Chhatrapati Director Udit Ramesh Chhatrapati Director Darshan Desai Shrikant Director Recognitions & Rankings of Umunthu System
Contact Details
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Apps
- Registered Address710 Trade Centre Opp Mtnl Building Bandra Kurla Complex Bandra East, Mumbai, Maharashtra, India – 400051
- IndustryInternet, Online Financial Services
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Associated Brands with Umunthu System Private Limited
Umunthu System operates one associated brand: Galgal. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Personal finance management is enabled through a digital banking app. | galgal.money |
Business Activity of Umunthu System Private Limited
The main business activity of Umunthu System is information and communication. In detail, this covers other information & communication service activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| J | Information and communication | J8 | Other information & communication service activities | Locked |
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Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
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Financials of Umunthu System Private Limited FY 2025 filings available
Umunthu System Private Limited reported revenue of ₹13.3 Lakh (down 25% YoY) for FY 2024.
Revenue · FY 2024
₹13.3 Lakh ▼ 25%
Net loss · FY 2024
₹3.31 Cr
EBITDA · FY 2024
-₹3.62 Cr
Compounded Annual Growth Rate (CAGR) of Umunthu System Private Limited
Revenue CAGR growth
1 year
▼ 25%
EBITDA CAGR growth
1 year
▼ 31%
Revenue fell 25% in the latest year. EBITDA fell 31% in the latest year. All are worked out from the filed statements.
Financial Statement Summary of Umunthu System Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|
| 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 | -₹3.62 Cr | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• |
| Net Profit (PAT) | -₹3.31 Cr | •••• | •••• |
| 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 Umunthu System Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|
| Profitability | |||
| EBITDA Margin | •••• | •••• | •••• |
| Net Profit Margin | •••• | •••• | •••• |
| 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 Umunthu System are in the company report.
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Financial statements from FY 2022
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
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Verified entity values are shown only after access is granted.
Board of Directors of Umunthu System Private Limited
Umunthu System has 3 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Harsh Udit Chhatrapati | Director | 21 Apr 2021 | 5 Years 6 Months | Current |
| Udit Ramesh Chhatrapati | Director | 21 Apr 2021 | 5 Years 6 Months | Current |
| Darshan Desai Shrikant | Director | 12 Dec 2023 | 2 Years 10 Months | Current |
Peer Comparison of Umunthu System Private Limited
Umunthu System Private Limited is compared with the companies closest to it by revenue in the Ecommerce and Internet industry (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 |
|---|---|---|---|---|---|---|
| DFL Finance Private Limited | ₹13.32 Lakh (FY 2025) | •••• | •••• | 7.0% | •••• | Andhra Pradesh, India |
| Kundles Motor Finance Private Limited | ₹13.32 Lakh (FY 2019) | •••• | •••• | -48.0% | •••• | Bareilly, Uttar Pradesh, India |
| Rukhma Investments and Finance Pvt Ltd | ₹13.31 Lakh (FY 2025) | •••• | •••• | 49.0% | •••• | Kolkata, West Bengal, India |
| Aadhi Finance Private Limited | ₹13.31 Lakh (FY 2025) | •••• | •••• | 20.0% | •••• | Chennai, Tamil Nadu, India |
| Sizzle Finance and Investments Private Limited | ₹13.31 Lakh (FY 2025) | •••• | •••• | 7.0% | •••• | New Delhi, Delhi, India |
| Umunthu System Private Limited this company | ₹13.3 Lakh (FY 2024) | •••• | •••• | -25.0% | •••• | Mumbai, Maharashtra, India |
| Rxil Financial Technologies Services Limited | ₹13.3 Lakh (FY 2025) | •••• | •••• | 112.0% | •••• | Mumbai, Maharashtra, India |
| MPMC Leasing & Finance Ltd. | ₹13.29 Lakh (FY 2025) | •••• | •••• | -8.0% | •••• | Sheoraphully, West Bengal, India |
| Jinesh Finance Solution Private Limited | ₹13.29 Lakh (FY 2024) | •••• | •••• | -53.0% | •••• | Rajkot, Gujarat, India |
| Kittangi Finance Private Limited | ₹13.29 Lakh (FY 2023) | •••• | •••• | 59.0% | •••• | Chennai, Tamil Nadu, India |
| Saxam Finance Management Private Limited | ₹13.26 Lakh (FY 2025) | •••• | •••• | -34.0% | •••• | Gurugram, Haryana, India |
Peers are the five companies nearest above and the five nearest below Umunthu System by revenue in the Ecommerce and Internet industry (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 Umunthu System Private Limited
Umunthu System Private Limited is audited by Vijay Mehta & Co for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Vijay Mehta & Co | Locked | Locked | Locked |
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Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
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Ownership and Shareholding of Umunthu System Private Limited
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Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
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Charges & Borrowings of Umunthu System Private Limited
Umunthu System Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Deals & Funding of Umunthu System Private Limited
Umunthu System Private Limited has 1 deal on record (1 funding round), with disclosed funding of ₹8.18 Cr; the latest was in November 2022.
Total deals
1
Funding round
1
Disclosed funding
₹8.18 Cr
Deals on record (1 of 1)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Nov 2022 | Funding round | ₹8.18 Cr |
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Full deal history
All 1 deals with amounts, valuations, instruments and every party are in the company report.
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Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
MSME Payment Delays by Umunthu System Private Limited
Umunthu System Private Limited has 1 MSME Form 1 return on record for the period ending Mar 2024, listing 2 overdue payments to 2 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (2 of 2)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Juspay Technologies Private Limited | •••• | •••• | •••• |
| Decentro Tech Private Limited | •••• | •••• | •••• |
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Full MSME payment history
Every supplier, amount and due date from all 1 MSME Form 1 returns is in the company report.
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Verified entity values are shown only after access is granted.
Individuals and sole proprietors among the suppliers are not named. Amounts, due dates and filing dates are in the company report.
Employees and EPFO Compliance at Umunthu System Private Limited
Umunthu System Private Limited has a workforce of 0 employees as of Apr 07, 2024.
Active EPFO establishments
1
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Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
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Recent Activity on Umunthu System Private Limited
Umunthu System Private Limited has 4 board changes on record since 2021: 3 appointments and 1 cessation. The latest: Darshan Desai Shrikant ceased to be Additional Director on 29 Sep 2024.
AGM
Umunthu System Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Filing
Umunthu System Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Mumbai I.
Ceased
Darshan Desai Shrikant ceased to be Additional Director.
Appointed
Darshan Desai Shrikant was appointed as Director.
Appointed
Harsh Udit Chhatrapati was appointed as Director.
Appointed
Udit Ramesh Chhatrapati was appointed as Director.
Incorporation
21 Apr 2021
Umunthu System Private Limited was registered on 21 Apr 2021 with Roc Mumbai I & aged 5 years 6 months as per MCA records.
Credit Ratings, Litigation & Regulatory Alerts for Umunthu System Private Limited
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Subsidiaries & Group Companies of Umunthu System Private Limited
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Corporate group structure
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GST Compliance of Umunthu System Private Limited
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MCA Filings & Documents of Umunthu System Private Limited
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Related news about Umunthu System Private Limited
Frequently Asked Questions about Umunthu System Private Limited
Umunthu System is an active private limited company based in Mumbai, Maharashtra, India. The company works in online financial services, within the internet industry. It was incorporated on 21 April 2021 (5+ years old) and is registered under CIN U72900MH2021PTC359308.
Umunthu System reported revenue of ₹13.3 Lakh for FY 2024 (down 25% YoY).
Umunthu System has 3 current directors:
- Harsh Udit Chhatrapati - Director
- Udit Ramesh Chhatrapati - Director
- Darshan Desai Shrikant - Director
Umunthu System reported a net loss of ₹3.31 Cr and EBITDA of -₹3.62 Cr for FY 2024, as per its filed financial statements.
The CIN (Corporate Identification Number) of Umunthu System is U72900MH2021PTC359308. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Umunthu System was incorporated on 21 April 2021, making it 5+ years old. It is registered with the Registrar of Companies, Mumbai.
Umunthu System has 1 deal on record (1 funding round), with disclosed funding of ₹8.18 Cr; the latest was in November 2022.
The peers of Umunthu System by revenue are DFL Finance Private Limited, Kundles Motor Finance Private Limited, Rukhma Investments and Finance Pvt Ltd, Aadhi Finance Private Limited, Sizzle Finance and Investments Private Limited and 5 more, all in the Ecommerce and Internet industry (Finance).
Darshan Desai Shrikant ceased to be Additional Director on 29 Sep 2024. Darshan Desai Shrikant was appointed as Director on 12 Dec 2023. Harsh Udit Chhatrapati was appointed as Director on 21 Apr 2021. Umunthu System has 4 board changes on record in total.
Yes, Umunthu System is registered as a micro enterprise under Udyam registration (number: UDYAM-MH-19-0064140).
Umunthu System has 1 MSME Form 1 return on record for the period ending Mar 2024, listing 2 overdue payments to 2 micro and small suppliers. The latest return was filed on 30 Apr 2024.
Umunthu System can be reached through the website galgal.money. Its registered office is in Mumbai, Maharashtra, India.