About SML Finance
SML Finance is a Financial Services company based in Kochi (India) founded in 1996 by C C William Varghese and Mary Williams. It offers financial loans, investments, and insurance to customers in India. It operates on a B2C and B2B model. The company has 181 employees. Its Indian entity S M L Finance Limited reported revenue of ₹87.55 Cr. SML Finance offers products and services including Gold Loan, Vehicle Loan, Business Loan, Mortgage Loan, and Microfinance. Its focus areas include Finance, Investments, Debt Instruments and Debentures. Similar companies include Manappuram Finance, L & T Finance Holdings and IIFL Finance; 1 of its 3 listed similar companies has raised funding.
Company details
SML Finance Ltd operates as a financial services provider in India, offering loans such as gold, vehicle, business, and mortgage loans, along with microfinance, insurance, and investment options. The company emphasizes customer-friendly processes, easy documentation, and transparency, with no hidden costs. Based in Kunnamkulam and Cochin, it serves individual and business clients through a network of branches, focusing on trust built over 40 years.
- Headquarters Kochi, India
- Employees 181
- Founders C C William Varghese, Mary Williams
- SectorsFinancial Services
- Email••••••••
- Website smlfinance.com
- Social Facebook
- Legal Name S M L Finance Limited
- Date of Incorporation 13 Aug, 1996
- Jurisdiction Thrissur, Kerala, India
- Annual Revenue₹87.55 Cr
FY 2025 · -11% YoY
- Net Loss-₹2.91 Cr
FY 2025 · -3% margin
- EBITDA₹32.36 Cr
FY 2025 · 37% margin
- Employee Count181
Associated legal entities of SML Finance
SML Finance operates through S M L Finance Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| S M L Finance Limited CIN U65910KL1996PLC010648 | Active | 13 Aug 1996 | Thrissur, Kerala | ₹87.6 Cr | 181 | 9 | View details |
Products & Services of SML Finance
SML Finance offers a comprehensive portfolio of products and services, including Gold Loan, Vehicle Loan, Business Loan, Mortgage Loan, and Microfinance.
Loan against gold collateral for personal financial needs.
Financing for purchasing vehicles and related costs.
Funding for business operations and expansion activities.
Secured loans against property for various purposes.
Small loans for low-income individuals and groups.
Coverage for risks associated with loans and investments.
Options like subordinate debt and debentures for returns.
Board of directors of S M L Finance Limited (SML Finance)
S M L Finance Limited is the primary company behind SML Finance. The board of S M L Finance Limited currently have 8 directors; the longest-serving is Chungath Cheru Simon, appointed in 1996. 16 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Chungath Cheru Simon DIN 00074163 | Director | 05 Nov 1996 | 29 yrs 11 mo | S M L Finance Limited |
| Griger Cherry Williams DIN 00145586 | Managing Director | 30 Sep 2001 | 25 yrs | S M L Finance Limited |
| Susanna Isaac DIN 03296118 | Director | 30 Aug 2010 | 16 yrs 1 mo | S M L Finance Limited |
| Jojo Joseph Njezhuvinkel DIN 07538990 | Director | 04 Aug 2016 | 10 yrs 2 mo | S M L Finance Limited |
| Kocheril Ittoop Varghese DIN 08291568 | Director | 06 Nov 2018 | 7 yrs 11 mo | S M L Finance Limited |
| Abin M Behanan DIN 08712671 | Director | 03 Mar 2020 | 6 yrs 7 mo | S M L Finance Limited |
| Puthukkunnathu Kuriakose Thankarajan DIN 09770679 | Director | 19 Nov 2022 | 3 yrs 11 mo | S M L Finance Limited |
| Thattarayil Paily George DIN 11066574 | Director | 24 Apr 2025 | 1 yr 6 mo | S M L Finance Limited |
People of SML Finance
2 people are tracked at SML Finance (2 in leadership); the tracked headcount is 181.
| Name | Role | Group |
|---|---|---|
C C William Varghese | Co-Founder, Director | Leadership |
| Co-Founder, Director | Leadership |
Complete people profiles for SML Finance
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Financials of SML Finance
Figures of S M L Finance Limited, the primary company behind SML Finance, for FY 2025. Revenue was ₹87.55 Cr (-11% year on year). Net loss was -₹2.91 Cr (-3% margin). EBITDA was ₹32.36 Cr (37% margin). Revenue has grown at a compounded annual rate of +36% over three years and +2% over five years.
- ₹87.55 CrRevenue · FY 2025 · -11% YoY
- -₹2.91 CrNet loss · -3% margin
- ₹32.36 CrEBITDA · 37% margin
- ₹6.03 CrPaid-up capital
- 181Employees (provident fund records)
- +36%Revenue CAGR, 3 years
- +2%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of S M L Finance Limited are on its company page.
Detailed financial statements for SML Finance
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
- Financial ratios
- Five-year trends
- Downloads
Verified entity values are shown only after access is granted.
Similar companies to SML Finance
SML Finance has 3 listed similar companies in our database, 1 of them funded. They include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| manappuram.com | 1992 | Valapad, India | $39.98M | 32,076 | Consumer and SME loans are provided by Manappuram Finance. | |
| ltfs.com | 1994 | Mumbai, India | 39,216 | Diversified lending services are provided as a non-banking financial institution. | ||
| iifl.com | 1995 | Mumbai, India | 16,076 | Online gold, home, personal, and business loans are provided. |
Detailed similar companies of SML Finance
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
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- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of SML Finance
The website of SML Finance (smlfinance.com) receives about 2K visits a month.
- Monthly visits2K
▼ 85.7% vs previous month
Top companies in Private Debt Funds
2 companies that operate in the same segment as SML Finance (Private Debt Funds) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Provides mutual fund investments, SIP options, and financial planning services online. | 2009 | Mumbai, Maharashtra, India | 93,874 | |||
Private debt firm | 2016 | Mumbai, Maharashtra, India | USD 37.39 M | USD 1.14 M | 44 |
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Frequently Asked Questions about SML Finance
SML Finance was founded in 1996.
SML Finance is headquartered in Kochi, India. It is registered at Kochi, Kerala, India.
SML Finance has 181 employees.
The primary company behind SML Finance, S M L Finance Limited, reported revenue of ₹87.55 Cr for FY 2025, down 11% year on year.
SML Finance Ltd operates as a financial services provider in India, offering loans such as gold, vehicle, business, and mortgage loans, along with microfinance, insurance, and investment options. The company emphasizes customer-friendly processes, easy documentation, and transparency, with no hidden costs. Based in Kunnamkulam and Cochin, it serves individual and business clients through a network of branches, focusing on trust built over 40 years.
SML Finance's top competitors include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
SML Finance offers Gold Loan, Vehicle Loan, Business Loan, Mortgage Loan, and 3 more products and services.
SML Finance operates through S M L Finance Limited.
The legal entities of SML Finance currently have 9 directors, including Chungath Cheru Simon, Abin M Behanan, Sibin Paulson and others.