Atma Nirbhar Micro Credit
About Atma Nirbhar Micro Credit
Data last updated:
Atma Nirbhar Micro Credit is a private not for profit company based in Varanasi, Uttar Pradesh, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 10 December 2013 and has been in existence for over 13 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U85320UP2013NPL061134.
The company has an authorised share capital of ₹20 Lakh and a paid-up capital of ₹17 Lakh. It is led by directors including Udayan Kumar Srivastava (Managing Director) and Indu Shankar Dube.
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 Sa 6/171 – B – 4 – K, Varanasi, Uttar Pradesh, India – 221007.
As per the financials filed for FY 2024, the company reported a revenue of ₹81,990, a decline of 92% compared to the previous year. For the same year it recorded a net loss of ₹3.93 Lakh (net margin -479%) and EBITDA of -₹50,827 (EBITDA margin -62%). Revenue has declined at a compounded annual rate (CAGR) of 55% over three years and 36% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressSa 6/171 – B – 4 – K, Varanasi, Uttar Pradesh, India – 221007
- IndustryFinancial Services, Financial Activities
- 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 Atma Nirbhar Micro Credit
The main business activity of Atma Nirbhar Micro Credit 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 Atma Nirbhar Micro Credit FY 2025 filings available
Atma Nirbhar Micro Credit reported revenue of ₹81,990 (down 92% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Atma Nirbhar Micro Credit
Revenue has declined at a compounded annual rate (CAGR) of 36% over five years, including a 92% fall in the latest year. EBITDA rose 92% 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 Atma Nirbhar Micro Credit
| 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 | -₹50,827 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹3.93 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 Atma Nirbhar Micro Credit
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -62% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -479% | •••• | •••• | •••• | •••• |
| 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 Atma Nirbhar Micro Credit 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.
Peer Comparison of Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit 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 |
|---|---|---|---|---|---|---|
| Kartik Credit Private Limited | ₹82,199 (FY 2025) | •••• | •••• | -99.0% | •••• | Ranchi, Jharkhand, India |
| Vipra Micro Care Foundation | ₹82,150 (FY 2025) | •••• | •••• | 38.0% | •••• | Kadipur, Uttar Pradesh, India |
| Bismangli Interior & Construction (OPC) Private Limited | ₹82,079 (FY 2019) | •••• | •••• | -84.0% | •••• | New Delhi, Delhi, India |
| Nava Durga Impex India Private Limited | ₹82,042 (FY 2024) | •••• | •••• | -37.0% | •••• | Theni, Tamil Nadu, India |
| Tax Galaxy (OPC) Private Limited | ₹82,000 (FY 2025) | •••• | •••• | -47.0% | •••• | Bhubaneswar, Odisha, India |
| Atma Nirbhar Micro Credit this company | ₹81,990 (FY 2024) | •••• | •••• | -92.0% | •••• | Varanasi, Uttar Pradesh, India |
| Alp Bachat Nidhi Limited | ₹81,936 (FY 2022) | •••• | •••• | 183.0% | •••• | Mathura, Uttar Pradesh, India |
| Essbee Milk Products Private Limited | ₹81,556 (FY 2025) | •••• | •••• | 34.0% | •••• | Kolkata, West Bengal, India |
| Vaidehi Properties Pvt Ltd | ₹81,492 (FY 2025) | •••• | •••• | 2.0% | •••• | Kolkata, West Bengal, India |
| Ecorich Organic Private Limited | ₹81,395 (FY 2025) | •••• | •••• | 6.0% | •••• | Delhi, India |
| Epic Software Pvt Ltd | ₹81,358 (FY 2025) | •••• | •••• | 74.0% | •••• | Delhi, India |
Peers are the five companies nearest above and the five nearest below Atma Nirbhar Micro Credit 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.
Auditor Details of Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit is audited by ARSS & CO. for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| ARSS & CO. | 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.
Board of Directors of Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit has 7 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Indu Shankar Dube | Director | 21 Aug 2019 | 7 Years 1 Months | Current |
| Gauri Shanker Dubey | Director | 02 Sep 2021 | 5 Years 1 Months | Current |
| Girish Kumar Pathak | Director | 10 Dec 2013 | 12 Years 10 Months | Current |
| Rohit Kumar Pathak | Director | 10 Dec 2013 | 12 Years 10 Months | Current |
| Pratibha Sujeet Khare | Director | 02 Jul 2024 | 2 Years 3 Months | Current |
| Akshat Kabra | Director | 02 Jul 2024 | 2 Years 3 Months | Current |
Ownership and Shareholding of Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Atma Nirbhar Micro Credit
Employment history and EPFO contributions of people linked to Atma Nirbhar Micro Credit.
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 Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit has 10 board changes on record since 2013: 7 appointments and 3 cessations. The latest: Akshat Kabra was appointed as Director on 02 Jul 2024.
1 earlier event is listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
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 Atma Nirbhar Micro Credit
Atma Nirbhar Micro Credit is an active private not for profit company based in Varanasi, Uttar Pradesh, India. The company works in financial activities, within the financial services industry. It was incorporated on 10 December 2013 (13+ years old) and is registered under CIN U85320UP2013NPL061134.
Atma Nirbhar Micro Credit reported revenue of ₹81,990 for FY 2024 (down 92% YoY).
Atma Nirbhar Micro Credit has 7 current directors:
- Udayan Kumar Srivastava - Managing Director
- Indu Shankar Dube - Director
- Gauri Shanker Dubey - Director
- Girish Kumar Pathak - Director
- Rohit Kumar Pathak - Director
- Pratibha Sujeet Khare - Director
- Akshat Kabra - Director
Atma Nirbhar Micro Credit reported a net loss of ₹3.93 Lakh (net margin -479%) and EBITDA of -₹50,827 (EBITDA margin -62%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Atma Nirbhar Micro Credit is -55% over three years and -36% over five years. In the latest year (FY 2024) revenue fell 92%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Atma Nirbhar Micro Credit is U85320UP2013NPL061134. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Atma Nirbhar Micro Credit was incorporated on 10 December 2013, making it 13+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
The peers of Atma Nirbhar Micro Credit by revenue are Kartik Credit Private Limited, Vipra Micro Care Foundation, Bismangli Interior & Construction (OPC) Private Limited, Nava Durga Impex India Private Limited, Tax Galaxy (OPC) Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Akshat Kabra was appointed as Director on 02 Jul 2024. Pratibha Sujeet Khare was appointed as Director on 02 Jul 2024. Gauri Shanker Dubey was appointed as Director on 02 Sep 2021. Atma Nirbhar Micro Credit has 10 board changes on record in total.
The registered office of Atma Nirbhar Micro Credit is at Sa 6171 – B – 4 – K, Varanasi, Uttar Pradesh, India – 221007.
Atma Nirbhar Micro Credit has an authorised share capital of ₹20 Lakh and a paid-up capital of ₹17 Lakh.