About KMCL
KMCL is a Financial Services company based in Madurai (India) founded in 2016. It offers microcredit services to low-income individuals and businesses. It operates on a B2C model. Its Indian entity Dhanam Investment And Finance Private Limited reported revenue of ₹21.14 Cr. Its focus areas include Banking, Microfinance and Credit Lending. Similar companies include ESAF, Satin Creditcare and Fincare Small Finance Bank; 3 of its 3 listed similar companies have raised funding.
Company details
KMCL, based in Madurai, focuses on offering financial products and advice, banking, microfinance, and credit lending. Offers microcredit services to low-income individuals and businesses. The company prioritizes operational excellence, innovation, and customer-centric approaches for success. It continues to evolve, meeting industry challenges with strategic approaches.
- Headquarters Madurai, India
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website kiaramfi.com
- Social X
- Legal Name Kiara Microcredit Private Limited
- Date of Incorporation 24 Oct, 2016
- Jurisdiction Coimbatore, Tamil Nadu, India
- Annual Revenue₹21.14 Cr
FY 2025 · -4% YoY
- Net Profit₹40.6 Lakh
FY 2025 · 2% margin
- EBITDA₹10.58 Cr
FY 2025 · 50% margin
Associated legal entities of KMCL
KMCL is associated with 2 registered companies on The Company Check; the primary company is Dhanam Investment And Finance Private Limited. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Dhanam Investment And Finance Private Limited CIN U64920TZ2016PTC031308 | Active | 24 Oct 2016 | Coimbatore, Tamil Nadu | ₹21.1 Cr | 132 | 4 | View details |
| Kiara Microcredit Private Limited CIN U65900TZ2016PTC031308 | 24 Oct 2016 | Coimbatore, Tamil Nadu, India | View details |
Board of directors of Dhanam Investment And Finance Private Limited (KMCL)
Dhanam Investment And Finance Private Limited is the primary company behind KMCL. The board of Dhanam Investment And Finance Private Limited currently have 4 directors; the longest-serving is Venkataraman Sankar, appointed in 2016.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Venkataraman Sankar DIN 02305098 | Director | 24 Oct 2016 | 10 yrs | Dhanam Investment And Finance Private Limited |
| Gopalakrishnan Avinash DIN 02261918 | Managing Director | 24 Oct 2016 | 10 yrs | Dhanam Investment And Finance Private Limited |
| Gokul Govindarajan DIN 07210264 | Director | 04 Aug 2018 | 8 yrs 2 mo | Dhanam Investment And Finance Private Limited |
| Gunasekaran DIN 08401538 | Additional Director | 13 Apr 2026 | 6 mo | Dhanam Investment And Finance Private Limited |
Financials of KMCL
Figures of Dhanam Investment And Finance Private Limited, the primary company behind KMCL, for FY 2025. Revenue was ₹21.14 Cr (-4% year on year). Net profit was ₹40.6 Lakh (2% margin). EBITDA was ₹10.58 Cr (50% margin). Revenue has grown at a compounded annual rate of +13% over three years and +28% over five years.
- ₹21.14 CrRevenue · FY 2025 · -4% YoY
- ₹40.6 LakhNet profit · 2% margin
- ₹10.58 CrEBITDA · 50% margin
- ₹17.00 CrPaid-up capital
- 132Employees (provident fund records)
- +13%Revenue CAGR, 3 years
- +28%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Dhanam Investment And Finance Private Limited are on its company page.
Detailed financial statements for KMCL
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- Financial ratios
- Five-year trends
- Downloads
Verified entity values are shown only after access is granted.
Similar companies to KMCL
KMCL has 3 listed similar companies in our database, 3 of them funded. They include ESAF, Satin Creditcare and Fincare Small Finance Bank.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| esafbank.com | 1992 | Thrissur, India | $101.74M | 6,194 | Microfinance banking services are offered in India by ESAF. | |
| satincreditcare.com | 1990 | Delhi, India | $40M | 15,350 | Micro loans for businesses are offered by this NBFC. | |
| fincarebank.com | 2007 | Bengaluru, India | $174.84M | 12,894 | Micro-finance bank |
Detailed similar companies of KMCL
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- Full competitor set
- Operating metrics
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Verified entity values are shown only after access is granted.
Web traffic of KMCL
The website of KMCL (kiaramfi.com) receives about 1.2K visits a month.
- Monthly visits1.2K
▲ 29.5% vs previous month
Top companies in Microfinance
3 companies that operate in the same segment as KMCL (Microfinance) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Microfinance banking services are offered in India by ESAF. | 1992 | Thrissur, Kerala, India | USD 101.74 M | USD 474.19 M | 12,520 | |
Micro loans for businesses are offered by this NBFC. | 1990 | Delhi, Delhi, India | USD 40 M | USD 310.26 M | 15,190 | |
Provider of microloans | 2010 | Delhi, Delhi, India | USD 71.68 M | 12,403 |
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Frequently Asked Questions about KMCL
KMCL was founded in 2016.
KMCL is headquartered in Madurai, India. It is registered at Madurai, Tamil Nadu, India.
The primary company behind KMCL, Dhanam Investment And Finance Private Limited, reported revenue of ₹21.14 Cr for FY 2025, down 4% year on year.
KMCL, based in Madurai, focuses on offering financial products and advice, banking, microfinance, and credit lending. Offers microcredit services to low-income individuals and businesses. The company prioritizes operational excellence, innovation, and customer-centric approaches for success. It continues to evolve, meeting industry challenges with strategic approaches.
KMCL's top competitors include ESAF, Satin Creditcare and Fincare Small Finance Bank.
KMCL operates through Dhanam Investment And Finance Private Limited.
The legal entities of KMCL currently have 4 directors, including Venkataraman Sankar, Gokul Govindarajan, Gopalakrishnan Avinash and others.