Ushma Microcredit Foundation
About Ushma Microcredit Foundation
Data last updated:
Ushma Microcredit Foundation is a private not for profit company based in Varanasi, Uttar Pradesh, India. It operates in the social services and community development segment of the non-profit sector. It was incorporated on 24 April 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U85300UP2017NPL092493.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Mahendra Nath Verma and Savita Kumari Maurya.
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 Meera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106.
As per the financials filed for FY 2025, the company reported a revenue of ₹46,450, a decline of 61% compared to the previous year. For the same year it recorded a net loss of ₹969 (net margin -2.1%) and EBITDA of -₹630 (EBITDA margin -1.4%). Revenue has declined at a compounded annual rate (CAGR) of 28% over three years and 20% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
- EmailLocked
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- WebsiteLocked
- Social MediaLocked
- Registered AddressMeera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106
- IndustryNon-Profit Organizations, Social Work
- 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 Ushma Microcredit Foundation
The main business activity of Ushma Microcredit 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 Ushma Microcredit Foundation FY 2025 filings available
Ushma Microcredit Foundation reported revenue of ₹46,450 (down 61% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Ushma Microcredit Foundation
Revenue has declined at a compounded annual rate (CAGR) of 20% over five years, including a 61% fall in the latest year. EBITDA rose 76% 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 Ushma Microcredit Foundation
| 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 | -₹630 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹969 | •••• | •••• | •••• | •••• |
| 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 Ushma Microcredit Foundation
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -1.4% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -2.1% | •••• | •••• | •••• | •••• |
| 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 Ushma Microcredit Foundation are in the company report.
Financial statements from FY 2018
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 Ushma Microcredit Foundation
Ushma Microcredit Foundation has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Mahendra Nath Verma | Director | 24 Apr 2017 | 9 Years 5 Months | Current |
| Savita Kumari Maurya | Director | 24 Apr 2017 | 9 Years 5 Months | Current |
Peer Comparison of Ushma Microcredit Foundation
Ushma Microcredit Foundation is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Shri Revadi Laxmi Chits Private Limited | ₹46,719 (FY 2020) | •••• | •••• | -81.0% | •••• | Jamakhandi, Karnataka, India |
| Mountsoft Micro-Credit Federation | ₹46,711 (FY 2025) | •••• | •••• | •••• | Shahpur Bamheta, Uttar Pradesh, India | |
| Mermaid Vincom Private Limited | ₹46,685 (FY 2016) | •••• | •••• | •••• | Kolkata, West Bengal, India | |
| Pridand Nidhi Limited | ₹46,570 (FY 2024) | •••• | •••• | -24.0% | •••• | Saran, Bihar, India |
| Capital Street International Financial Services Private Limited | ₹46,500 (FY 2025) | •••• | •••• | •••• | Panchkula, Haryana, India | |
| Ushma Microcredit Foundation this company | ₹46,450 (FY 2025) | •••• | •••• | -61.0% | •••• | Varanasi, Uttar Pradesh, India |
| Himalayan Dairies Private Limited | ₹46,433 (FY 2025) | •••• | •••• | -100.0% | •••• | Delhi, India |
| Majestic Commotrade Private Limited | ₹46,431 (FY 2025) | •••• | •••• | 12.0% | •••• | Kolkata, West Bengal, India |
| Starpoint Management Pvt.Ltd. | ₹46,428 (FY 2023) | •••• | •••• | 137.0% | •••• | Kolkata, West Bengal, India |
| Lomas Technicut (India) Private Limited | ₹46,422 (FY 2016) | •••• | •••• | -71.0% | •••• | Mumbai, Maharashtra, India |
| Orraye Spa & Life Styles Limited | ₹46,400 (FY 2025) | •••• | •••• | 15.0% | •••• | Mumbai, Maharashtra, India |
Peers are the five companies nearest above and the five nearest below Ushma Microcredit Foundation by revenue in the same principal business activity (Other financial activities), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Ownership and Shareholding of Ushma Microcredit 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 Ushma Microcredit Foundation
Ushma Microcredit Foundation does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Ushma Microcredit Foundation
Employment history and EPFO contributions of people linked to Ushma Microcredit 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 Ushma Microcredit Foundation
Ushma Microcredit Foundation has 2 board changes on record since 2017: 2 appointments. The latest: Mahendra Nath Verma was appointed as Director on 24 Apr 2017.
Credit Ratings, Litigation & Regulatory Alerts for Ushma Microcredit 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 Ushma Microcredit 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 Ushma Microcredit 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 Ushma Microcredit 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 Ushma Microcredit 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 Ushma Microcredit Foundation
Ushma Microcredit Foundation is an active private not for profit company based in Varanasi, Uttar Pradesh, India. The company works in social work, within the non-profit organizations industry. It was incorporated on 24 April 2017 (9+ years old) and is registered under CIN U85300UP2017NPL092493.
Ushma Microcredit Foundation reported revenue of ₹46,450 for FY 2025 (down 61% YoY).
Ushma Microcredit Foundation has 2 current directors:
- Mahendra Nath Verma - Director
- Savita Kumari Maurya - Director
Ushma Microcredit Foundation reported a net loss of ₹969 (net margin -2.1%) and EBITDA of -₹630 (EBITDA margin -1.4%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Ushma Microcredit Foundation is -28% over three years and -20% over five years. In the latest year (FY 2025) revenue fell 61%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Ushma Microcredit Foundation is U85300UP2017NPL092493. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Ushma Microcredit Foundation was incorporated on 24 April 2017, making it 9+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Ushma Microcredit Foundation by revenue are Shri Revadi Laxmi Chits Private Limited, Mountsoft Micro-Credit Federation, Mermaid Vincom Private Limited, Pridand Nidhi Limited, Capital Street International Financial Services Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Mahendra Nath Verma was appointed as Director on 24 Apr 2017. Savita Kumari Maurya was appointed as Director on 24 Apr 2017.
The registered office of Ushma Microcredit Foundation is at Meera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106.
Ushma Microcredit Foundation has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh.