About Bss Sonata Microcredit Limited
Data last updated: 31 December 2025
Bss Sonata Microcredit Limited is a public limited company based in Bangalore, Karnataka, India, a subsidiary of Kotak Mahindra Bank Limited. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 05 April 1994, the company has been in operation for over 32 years.
Registered with ROC Bangalore under CIN U74899KA1994PLC049746.
Capital: an authorised share capital of ₹40 Cr and a paid-up capital of ₹31.84 Cr. Formerly known as Oyster Capitals Pvt Ltd and Bss Microfinance Private Limited. It is led by directors including Shwetha Kalappa and Manish Kothari.
Last AGM: 20 June 2025. Financial statements filed for year ended 31 March 2025. Office: No.11 2Nd Block 2Nd Stage Outer Ring Road Near Bda Complex Nagarabhavi Layout, Bangalore, Karnataka, India – 560072.
As per the financials filed for FY 2025, the company reported a revenue of ₹847.03 Cr, a decline of 14% compared to the previous year.
The company has a workforce of approximately 7,267 employees as per the latest available data. It operates as a subsidiary of Kotak Mahindra Bank Limited.
The company is associated with 1 brand - Bss Microfinance. As per MCA filings, the company has open charges of ₹118 Cr and satisfied charges of ₹1,489.58 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website bssmfi.com.
-
EmailLocked
-
TelephoneLocked
-
Website
-
Social Media
-
Registered AddressNo.11 2Nd Block 2Nd Stage Outer Ring Road Near Bda Complex Nagarabhavi Layout, Bangalore, Karnataka, India – 560072
-
IndustryFinancial Services, Microfinance Institutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited has undergone 3 name changes throughout its history. The company was previously known as Oyster Capitals Pvt Ltd, Bss Microfinance Private Limited, and Bss Sonata Microcredit Limited. The current legal name is Bss Sonata Microcredit Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Bss Sonata Microcredit Limited | Current |
| Oyster Capitals Pvt Ltd | Previous |
| Bss Microfinance Private Limited | Previous |
CIN History of Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is U66190KA1994PLC049746, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U66190KA1994PLC049746 | Current |
| U74899KA1994PTC049746 | Previous |
| U74899KA1994PLC049746 | Previous |
Associated Brands with Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited operates one associated brand: BSS Microfinance. These brands represent Bss Sonata Microcredit Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Microcredit is extended to low-income individuals and businesses. | bssmfi.com |
Competitors & Alternatives of Bss Sonata Microcredit Limited
Brands and companies operating in the same space as Bss Sonata Microcredit Limited include ESAF, Satin Creditcare, Bharat Financial Inclusion and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
ESAF
|
Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
Satin Creditcare
|
Micro loans for businesses are offered by this NBFC. | Delhi, India, India | 1990 |
Bharat Financial Inclusion
|
Provider of micro-credit & insurance for low income income individuals and women | Secunderabad, India, India | 1997 |
Muthoot Microfin
|
Microfinance loans are extended to low-income women entrepreneurs. | Ernakulam, India, India | 2010 |
Svatantra Microfinance
|
Microcredit services are provided to rural women for financial inclusion. | Mumbai, India, India | 2012 |
Fincare Small Finance Bank
|
Micro-finance bank | Bengaluru, India, India | 2007 |
Spandana Sphoorty Financial
|
Microfinance loans are extended to low-income households for various needs. | Hyderabad, India, India | 2003 |
Chaitanya India Fin Credit
|
Micro-credit financing is provided to low-income individuals and businesses. | Bengaluru, India, India | 2004 |
Asirvad Microfinance
|
Micro loans for consumers are provided by Asirvad Microfinance. | Chennai, India, India | 2009 |
Business Activity of Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including 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 Bss Sonata Microcredit Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited is audited by Deloitte Haskins & Sells LLP for the financial year 2024. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Deloitte Haskins & Sells LLP | Locked | Locked | Locked |
Complete auditor history for Bss Sonata Microcredit Limited
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors and KMP of Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited currently reports 3 directors and 1 key managerial person. 23 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Shwetha Kalappa
Also directs:
Bss Sonata Microcredit Limited
|
Director | 28 Jun 2023 | 3 Years 0 Months | Current |
|
Manish Kothari
Also directs:
Bss Sonata Microcredit Limited
|
Director | 23 Apr 2024 | 2 Years 3 Months | Current |
|
Anup Kumar Singh
Also directs:
Zayaka Proventures Llp, Bss Sonata Microcredit Limited
|
Ceo | 18 Oct 2025 | 0 Years 9 Months | Current |
|
Devarajan Kannan
Also directs:
Bss Sonata Microcredit Limited
|
Director | 27 Sep 2017 | 8 Years 9 Months | Current |
Financials of Bss Sonata Microcredit Limited FY 2025 filings available
Bss Sonata Microcredit Limited reported revenue of ₹847.03 Cr (down 14.00% YoY) for FY 2025.
Ten-year financial statements for Bss Sonata Microcredit Limited
Historical statement values and trend charts require an active report plan.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Bss Sonata Microcredit Limited
Shareholding and ownership data for Bss Sonata Microcredit Limited
Promoter, institutional, public, and beneficial ownership values require an active report plan.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Bss Sonata Microcredit Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 29 Nov 2016 | Others | ₹25 Cr | Open |
| 27 Oct 2016 | Others | ₹25 Cr | Open |
| 22 Jul 2016 | Others | ₹10 Cr | Open |
| 07 Jun 2016 | Others | ₹16 Cr | Open |
| 15 Feb 2016 | Mas Financial Services Limited | ₹10 Cr | Open |
Total charge records: 114 View all charges
Employees and EPFO Compliance at Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited has a workforce of 7,267 employees as of Apr 07, 2024.
Employee and EPFO history for Bss Sonata Microcredit Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Bss Sonata Microcredit Limited
GST registrations and filing compliance for Bss Sonata Microcredit Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
Credit Ratings, Litigation & Regulatory Alerts for Bss Sonata Microcredit Limited
Credit ratings, litigation, and regulatory alerts for Bss Sonata Microcredit Limited
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- 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 Bss Sonata Microcredit Limited
MSME payment history for Bss Sonata Microcredit Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- 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 Bss Sonata Microcredit Limited
Corporate group structure for Bss Sonata Microcredit Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Bss Sonata Microcredit Limited
MCA filings and documents for Bss Sonata Microcredit Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Bss Sonata Microcredit Limited
Recent News on Bss Sonata Microcredit Limited
Frequently Asked Questions about Bss Sonata Microcredit Limited
Bss Sonata Microcredit Limited is an active public limited company in the financial services sector based in Bangalore, Karnataka, India. It was incorporated on 05 April 1994 (32+ years old) and is registered under CIN U66190KA1994PLC049746. The company has 7,267 employees.
Bss Sonata Microcredit Limited reported revenue of ₹847.03 Cr for FY 2025 (down 14.00% YoY).
The current directors and KMP of Bss Sonata Microcredit Limited are:
- Shwetha Kalappa - Director
- Manish Kothari - Director
- Anup Kumar Singh - Ceo
- Devarajan Kannan - Director
The primary industry of Bss Sonata Microcredit Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.
Bss Sonata Microcredit Limited can be reached at the registered office: No.11 2Nd Block 2Nd Stage Outer Ring Road Near Bda Complex Nagarabhavi Layout, Bangalore, Karnataka, India – 560072, or through the website bssmfi.com.
The authorised capital is ₹40 Cr, and the paid-up capital is ₹31.84 Cr.