
About Arnold Holdings LTD
Data last updated:
Arnold Holdings LTD is a public limited company based in Mumbai, Maharashtra, India. It specialises in non-banking financial services (NBFC), a part of the broader financial services sector. Incorporated on 24 December 1981, the company has been in operation for over 45 years.
Registered with ROC Mumbai under CIN L65993MH1981PLC282783. Listed on BSE: 537069.
Capital: an authorised share capital of ₹50 Cr and a paid-up capital of ₹23.78 Cr. It is led by directors including Murari Mallawat and Sushil Mahendrakumar Jhunjhunwala.
Last AGM: 10 September 2025. Financial statements filed for year ended 31 March 2025. Office: B 208 Ramji House 30 Jambulwadi Jss Road, Mumbai, Maharashtra, India – 400002.
As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹168.85 Cr, a decline of 16.12% compared to the previous year. The net worth stands at ₹64.68 Cr (up 7.33% YoY). Total assets are valued at ₹150.21 Cr (up 4.02% YoY).
The company has a workforce of approximately 27 employees as per the latest available data.
The company is associated with 2 brands - Rufilo, Arnold Holdings Limited.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website arnoldholdings.in.
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- Website
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- Registered AddressB 208 Ramji House 30 Jambulwadi Jss Road, Mumbai, Maharashtra, India – 400002
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
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CIN History of Arnold Holdings
Arnold Holdings has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65993MH1981PLC282783, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65993MH1981PLC282783 | Current |
| U65993WB1981PLC034406 | Previous |
| L65993WB1981PLC034406 | Previous |
Associated Brands with Arnold Holdings
Arnold Holdings operates two associated brands: Rufilo and Arnold Holdings Limited. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides instant loans, credit cards, and expense management via mobile app. | rufilo.com | |
| Investment, corporate, and infrastructure financing services are provided. | arnoldholdings.in |
Competitors & Alternatives of Arnold Holdings
Brands and companies operating in the same space as Arnold Holdings LTD include Fidelity Investments, Manappuram Finance, L & T Finance Holdings and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
| | Provider of brokerage accounts, retirement planning, wealth management, and trading platforms | Boston, United States, United States | 1946 |
| | Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
| | Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
| | Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
| | Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
| | Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
| | Mutual funds, portfolio management, and retirement planning services are offered. | Mumbai, India, India | 2001 |
| | Platform offering business intelligence solutions that combine data and actionable analytics for clients | New York, United States, United States | 1917 |
| | Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
| | Collateral-free loans are provided to MSMEs for business operations. | Bengaluru, India, India | 2011 |
Business Activity of Arnold Holdings
The main business activity of Arnold Holdings 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 for Arnold Holdings LTD
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.
Auditor Details of Arnold Holdings
Arnold Holdings LTD is audited by Amit Ray & Company for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Amit Ray & Company | Locked | Locked | Locked |
Complete auditor history for Arnold Holdings LTD
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 Arnold Holdings LTD
Arnold Holdings has 6 current directors and 26 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Murari Mallawat | Whole-Time Director | 22 Aug 2020 | 6 Years 1 Months | Current |
| Sushil Mahendrakumar Jhunjhunwala Also directs: Drisha Impex Private Limited C/N | Director | 13 Feb 2020 | 6 Years 7 Months | Current |
| Munni Devi Jain | Director | 30 Jul 2020 | 6 Years 2 Months | Current |
| Rajpradeep Mahavirprasad Agrawal | Whole-Time Director | 24 Apr 2021 | 5 Years 5 Months | Current |
| Gazala Mohammed Irfan Kolsawala | Whole-Time Director | 30 Aug 2024 | 2 Years 1 Months | Current |
| Rupali Prakash Sawant Also directs: RNJ & Associates LLP | Director | 10 Jul 2024 | 2 Years 2 Months | Current |
Financials of Arnold Holdings LTD FY 2025-26 filings available
Arnold Holdings LTD reported revenue of ₹168.85 Cr (down 16.12% YoY) for FY 2025-26.
Financial Highlights
FY 2025-26 · StandaloneRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 169 | 201 | 206 | 163 | 119 | 37.34 | 24.14 |
| Revenue growth | -18.2% | +1.8% | +21.9% | +37.4% | +204.1% | +66.3% | +39.9% |
| EBITDA | 14.54 | 12.61 | 20.35 | 10.85 | 7.93 | 0.92 | 2.24 |
| EBITDA margin | +8.6% | +6.3% | +9.9% | +6.7% | +6.7% | +2.5% | +9.3% |
| Profit before tax | 6.51 | 6.16 | 12.73 | 5.04 | 2.11 | 0.94 | 2.14 |
| Net profit | 4.42 | 5.32 | 8.81 | 3.55 | 1.35 | 0.59 | 1.58 |
| Net profit margin | +2.6% | +2.6% | +4.3% | +2.2% | +1.1% | +1.6% | +6.6% |
| EPS (₹) | 1.86 | 2.24 | 3.71 | 1.27 | 0.50 | 0.23 | 0.52 |
| Balance sheet | |||||||
| Total assets | 150 | 144 | 115 | 132 | 92.50 | 54.09 | 54.41 |
| Net worth | 64.68 | 60.26 | 54.94 | 59.41 | 55.60 | 54.10 | 53.41 |
| Total debt | 85.53 | 84.15 | 60.11 | 72.87 | 36.91 | 0.00 | 1.01 |
| Cash & bank | 40.59 | 36.41 | 31.60 | 18.29 | 0.29 | 0.30 | 3.29 |
| Net working capital | 57.06 | 61.22 | 33.91 | 34.39 | 1.90 | 15.24 | 13.94 |
| Cash flow | |||||||
| Cash from operations | 22.78 | (11.64) | 30.63 | (3.89) | 20.66 | (3.47) | 0.06 |
| Cash from investing | (12.49) | (3.75) | (13.40) | (7.74) | (51.59) | 1.53 | 4.56 |
| Cash from financing | (7.87) | 16.39 | (26.58) | 29.63 | 30.92 | (1.05) | (7.42) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 70.81 | 45.89 | 38.04 | 38.83 | 44.45 | 45.55 | 39.25 | 51.65 |
| Revenue growth (YoY) | +59.3% | +0.8% | -3.1% | -24.8% | -31.6% | -27.8% | -28.8% | -1.5% |
| Other income | 0.31 | 1.70 | 0.07 | 0.04 | 0.38 | 1.44 | 0.45 | 0.29 |
| Total expenses | 64.07 | 47.69 | 34.21 | 34.70 | 38.24 | 52.67 | 34.17 | 46.44 |
| EBITDA | 6.74 | (1.80) | 3.83 | 4.13 | 6.21 | (7.12) | 5.08 | 5.21 |
| EBITDA margin | +9.5% | -3.9% | +10.1% | +10.6% | +14.0% | -15.6% | +12.9% | +10.1% |
| Depreciation | 0.11 | 0.18 | 0.20 | 0.19 | 0.22 | 0.36 | 0.36 | 0.33 |
| Interest | 2.25 | 1.75 | 1.68 | 1.76 | 2.08 | 1.41 | 1.39 | 1.40 |
| Profit before tax | 4.69 | (2.03) | 2.02 | 2.22 | 4.29 | (7.45) | 3.78 | 3.77 |
| Tax | 1.18 | 0.45 | 0.51 | 0.56 | 1.08 | (2.16) | 0.83 | 0.83 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 70.81 | 45.89 | 38.04 | 38.83 | 44.45 | 45.55 | 39.25 | 51.65 |
| Revenue growth (YoY) | +59.3% | +0.8% | -3.1% | -24.8% | -31.6% | -27.8% | -28.8% | -1.5% |
| Other income | 0.31 | 1.70 | 0.07 | 0.04 | 0.38 | 1.44 | 0.45 | 0.29 |
| Total expenses | 64.07 | 47.69 | 34.21 | 34.70 | 38.24 | 52.67 | 34.17 | 46.44 |
| EBITDA | 6.74 | (1.80) | 3.83 | 4.13 | 6.21 | (7.12) | 5.08 | 5.21 |
| EBITDA margin | +9.5% | -3.9% | +10.1% | +10.6% | +14.0% | -15.6% | +12.9% | +10.1% |
| Depreciation | 0.11 | 0.18 | 0.20 | 0.19 | 0.22 | 0.36 | 0.36 | 0.33 |
| Interest | 2.25 | 1.75 | 1.68 | 1.76 | 2.08 | 1.41 | 1.39 | 1.40 |
| Profit before tax | 4.69 | (2.03) | 2.02 | 2.22 | 4.29 | (7.45) | 3.78 | 3.77 |
| Tax | 1.18 | 0.45 | 0.51 | 0.56 | 1.08 | (2.16) | 0.83 | 0.83 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 169 | 201 | 206 | 163 | 119 | 37.34 | 24.14 |
| Revenue growth | -18.2% | +1.8% | +21.9% | +37.4% | +204.1% | +66.3% | +39.9% |
| Other income | 0.24 | 0.69 | 0.21 | 1.65 | 0.23 | 0.14 | 0.00 |
| Total expenses | 154 | 189 | 185 | 152 | 111 | 36.42 | 21.90 |
| Employee cost | 5.17 | 4.42 | 2.79 | 1.44 | 0.28 | 0.10 | 0.11 |
| EBITDA | 14.54 | 12.61 | 20.35 | 10.85 | 7.93 | 0.92 | 2.24 |
| EBITDA margin | +8.6% | +6.3% | +9.9% | +6.7% | +6.7% | +2.5% | +9.3% |
| Depreciation | 0.79 | 1.36 | 2.13 | 0.82 | 0.05 | 0.07 | 0.00 |
| Interest | 7.48 | 5.78 | 5.70 | 6.64 | 6.00 | 0.05 | 0.10 |
| Profit before tax | 6.51 | 6.16 | 12.73 | 5.04 | 2.11 | 0.94 | 2.14 |
| Tax | 2.09 | 0.84 | 3.92 | 1.21 | 0.60 | 0.25 | 0.56 |
| Net profit | 4.42 | 5.32 | 8.81 | 3.55 | 1.35 | 0.59 | 1.58 |
| Net profit margin | +2.6% | +2.6% | +4.3% | +2.2% | +1.1% | +1.6% | +6.6% |
| EPS (₹) | 1.86 | 2.24 | 3.71 | 1.27 | 0.50 | 0.23 | 0.52 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 23.78 | 23.78 | 23.78 | 30.08 | 30.08 | 30.08 | 30.08 |
| Reserves & surplus | 40.90 | 36.48 | 31.16 | 29.33 | 25.52 | 24.02 | 23.33 |
| Shareholders' funds (net worth) | 64.68 | 60.26 | 54.94 | 59.41 | 55.60 | 54.10 | 53.41 |
| Secured loans | 11.68 | 1.40 | 0.00 | 0.00 | 2.95 | 0.00 | 0.00 |
| Unsecured loans | 73.85 | 82.75 | 60.11 | 72.87 | 33.96 | 0.00 | 1.01 |
| Total debt | 85.53 | 84.15 | 60.11 | 72.87 | 36.91 | 0.00 | 1.01 |
| Total liabilities | 150 | 144 | 115 | 132 | 92.50 | 54.09 | 54.41 |
| Assets | |||||||
| Gross block | 6.41 | 6.39 | 6.15 | 5.32 | 0.76 | 1.10 | 1.39 |
| Net block | 1.33 | 2.10 | 3.23 | 4.52 | 0.72 | 1.10 | 1.39 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.45 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 9.80 | 9.08 | 4.31 | 0.11 |
| Inventories | 35.91 | 33.32 | 23.80 | 21.07 | 15.00 | 14.22 | 10.70 |
| Sundry debtors | 0.44 | 0.48 | 0.43 | 0.19 | 0.65 | 0.28 | 0.06 |
| Cash & bank balances | 40.59 | 36.41 | 31.60 | 18.29 | 0.29 | 0.30 | 3.29 |
| Loans & advances | 2.50 | 3.91 | 3.15 | 0.50 | 0.45 | 1.57 | 0.76 |
| Total current assets | 79.44 | 74.12 | 58.98 | 40.05 | 16.39 | 16.37 | 14.81 |
| Total current liabilities | 22.38 | 12.90 | 25.07 | 5.66 | 14.49 | 1.13 | 0.87 |
| Net working capital | 57.06 | 61.22 | 33.91 | 34.39 | 1.90 | 15.24 | 13.94 |
| Total assets | 150 | 144 | 115 | 132 | 92.50 | 54.09 | 54.41 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 9.94 | 8.95 | 18.29 | 0.29 | 0.30 | 3.29 | 6.09 |
| Net cash from operating activities | 22.78 | (11.64) | 30.63 | (3.89) | 20.66 | (3.47) | 0.06 |
| Net cash from investing activities | (12.49) | (3.75) | (13.40) | (7.74) | (51.59) | 1.53 | 4.56 |
| Net cash from financing activities | (7.87) | 16.39 | (26.58) | 29.63 | 30.92 | (1.05) | (7.42) |
| Net change in cash | 2.43 | 1.00 | (9.34) | 18.00 | (0.01) | (2.99) | (2.81) |
| Closing cash | 40.59 | 36.41 | 31.60 | 18.29 | 0.29 | 0.30 | 3.29 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | -16.1% | -2.2% | +26.3% | +37.3% | +217.8% | +54.7% | +46.7% |
| EBITDA growth | +15.3% | -38.0% | +87.6% | +36.8% | +762.0% | -58.9% | +176.5% |
| PBT growth | +5.7% | -51.6% | +152.6% | +138.9% | +124.5% | -56.1% | +435.0% |
| Net income growth | -16.9% | -39.6% | +148.2% | +163.0% | +128.8% | -62.7% | +464.3% |
| Revenue CAGR (3Y) | +1.2% | +19.3% | +76.6% | +89.0% | +93.2% | +6.8% | -13.7% |
| EBITDA CAGR (3Y) | +10.3% | +16.7% | +180.7% | +69.2% | +113.9% | -9.0% | +113.6% |
| Profitability & leverage | |||||||
| Net income margin | +2.6% | +2.6% | +4.3% | +2.4% | +1.3% | +1.9% | +6.6% |
| Return on capital employed | +9.5% | +9.2% | +14.9% | +10.4% | +10.8% | +1.6% | +3.9% |
| Return on net worth | +7.1% | +9.3% | +15.4% | +6.6% | +2.5% | +1.1% | +3.0% |
| Debt / equity | 1.36 | 1.25 | 1.16 | 0.95 | 0.34 | 0.01 | 0.09 |
| Long-term debt / equity | 1.25 | 1.24 | 1.16 | 0.95 | 0.34 | 0.01 | 0.09 |
| Interest cover | 54.40 | 51.38 | 31.28 | 66.20 | 76.14 | 5.88 | 4.46 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 26.42 | 32.22 | 35.92 | 54.15 | 127.85 | 30.10 | 17.37 |
| Inventory turnover | 4.88 | 7.07 | 9.18 | 9.13 | 8.14 | 3.01 | 2.44 |
| Debtors turnover | 367.59 | 443.96 | 664.45 | 391.95 | 255.70 | 220.47 | 219.45 |
| EPS (₹) | 1.86 | 2.24 | 3.71 | 1.27 | 0.50 | 0.23 | 0.52 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 27.20 | 25.35 | 23.11 | 19.75 | 18.49 | 17.99 | 17.76 |
Shareholding Pattern of Arnold Holdings LTD
Shareholding for the quarter ended Mar 2026: promoters hold 20.30%, foreign institutional investors hold 1.30%, domestic institutional investors hold 0.00% and retail and other public shareholders hold 78.40%.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | |
|---|---|---|---|---|
| Promoters | 20.30% | 20.30% | 20.30% | 20.30% |
| Public | 79.70% | 79.70% | 79.70% | 79.70% |
Charges & Borrowings of Arnold Holdings
Arnold Holdings LTD does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Arnold Holdings
Arnold Holdings LTD has a workforce of 27 employees as of Mar 28, 2024.
Employee and EPFO history for Arnold Holdings LTD
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
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GST Compliance of Arnold Holdings
GST registrations and filing compliance for Arnold Holdings LTD
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
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Credit Ratings, Litigation & Regulatory Alerts for Arnold Holdings
Credit ratings, litigation, and regulatory alerts for Arnold Holdings LTD
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
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MSME Payment Delays by Arnold Holdings
MSME payment history for Arnold Holdings LTD
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
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Subsidiaries & Group Companies of Arnold Holdings
Corporate group structure for Arnold Holdings LTD
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
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MCA Filings & Documents of Arnold Holdings
MCA filings and documents for Arnold Holdings LTD
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
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Recent Activity on Arnold Holdings
Frequently Asked Questions about Arnold Holdings LTD
Arnold Holdings is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 24 December 1981 (45+ years old) and is registered under CIN L65993MH1981PLC282783. Listed on BSE: 537069. The company has 27 employees.
Arnold Holdings reported revenue of ₹168.85 Cr for FY 2025-26 (down 16.12% YoY) based on standalone financials.
The current directors of Arnold Holdings are:
- Murari Mallawat - Whole-Time Director
- Sushil Mahendrakumar Jhunjhunwala - Director
- Munni Devi Jain - Director
- Rajpradeep Mahavirprasad Agrawal - Whole-Time Director
- Gazala Mohammed Irfan Kolsawala - Whole-Time Director
- Rupali Prakash Sawant - Director
The primary industry of Arnold Holdings is financial services. The company specifically operates in nbfc. The company is currently active in this sector.
Yes. Arnold Holdings is listed on BSE with code 537069.
Arnold Holdings can be reached at the registered office: B 208 Ramji House 30 Jambulwadi Jss Road, Mumbai, Maharashtra, India – 400002, or through the website arnoldholdings.in.