MSME (Udyam registered) Ministry of MSME
- Category
- Small (2024-25)
- Udyam number
- UDYAM-TN-31-0004719
Bwda Finance Limited - financial services in Villupuram, Tamil Nadu, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹72.75 Cr
▲ 21% YoY
Net profit · FY 2025
₹7.96 Cr
Net margin 10.9%
EBITDA · FY 2025
₹38.35 Cr
EBITDA margin 52.7%
Authorised capital
₹55 Cr
Registered with MCA
Paid-up capital
₹32.54 Cr
Issued & subscribed
Open charges
₹339.76 Cr
Satisfied ₹569.78 Cr
Company age
31 yrs
Est. 1995
Employees · EPFO
353
Provident fund records
About Bwda Finance Limited
Data last updated:
Bwda Finance Limited is a public limited company based in Villupuram, Tamil Nadu, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 18 April 1995 and has been in existence for over 31 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U65921TN1995PLC030939. Its GSTIN is 33AABCN4607Q1Z9 (Tamil Nadu). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹55 Cr and a paid-up capital of ₹32.54 Cr. It was formerly known as Kingdom Finance and Investments Madras Pvt Ltd and Nagercoil Prompt Finance and Investments Limited. It is led by directors including Joslin Thambi Chelliah (Managing Director) and Alphina Jos (Whole-Time Director).
Its last annual general meeting (AGM) was held on 23 August 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at No858 East Pondy Road Villupuram, Tamil Nadu, India – 605602.
As per the financials filed for FY 2025, the company reported a revenue of ₹72.75 Cr, a growth of 21% compared to the previous year. For the same year it recorded a net profit of ₹7.96 Cr (net margin 10.9%) and EBITDA of ₹38.35 Cr (EBITDA margin 52.7%). Revenue has grown at a compounded annual rate (CAGR) of 44% over three years and 47% over five years.
The company has about 353 employees on its provident fund (EPFO) records.
The company is associated with 2 brands: BWDA Finance and Bullock-Cart Workers Development Association. As per MCA filings, the company has open charges of ₹339.76 Cr and satisfied charges of ₹569.78 Cr on record. Court records list 33 cases involving the company, including 29 filed by the company and 4 filed against it; 8 cases are pending. The company has 1 deal on record (1 funding round), with disclosed funding of ₹6.5 Cr; the latest was in March 2011. Its 3 peer companies in the BFSI industry (Finance, Micro Finance Institutions, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 smaller; the largest is Rupen Investment and Industries Private Limited with revenue of ₹71.51 Cr.
Bwda Finance Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-TN-31-0004719). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website bwda.in.
Company details
CIN U65921TN1995PLC030939
Registration Number 030939
Incorporation Date 18 April 1995
ROC Chennai
Listing Status Unlisted
Company Status Active
Compliance Status Active Compliant
MSME Classification Small
Udyam Registration UDYAM-TN-31-0004719
Name history
Bwda Finance has undergone 2 name changes throughout its history. The company was previously known as Kingdom Finance And Investments Madras Pvt Ltd, and Nagercoil Prompt Finance And Investments Limited. The current legal name is Bwda Finance Limited.
| Company Name | Status |
|---|---|
| Bwda Finance Limited | Current |
| Kingdom Finance And Investments Madras Pvt Ltd | Previous |
| Nagercoil Prompt Finance And Investments Limited | Previous |
CIN history
Bwda Finance has one previous CIN (Corporate Identification Number): U65933TN1995PLC030939. The current CIN is U65921TN1995PLC030939, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65921TN1995PLC030939 | Current |
| U65933TN1995PLC030939 | Previous |
Key People
Joslin Thambi Chelliah Managing Director Alphina Jos Whole-Time Director Raghavan Balaji Rangarajan Cfo Recognitions & Rankings of Bwda Finance
Contact details
Bwda Finance Limited's registered office is in Villupuram, Tamil Nadu. Its website is bwda.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressNo858 East Pondy Road Villupuram, Tamil Nadu, India – 605602
- IndustryFinancial Services, Microfinance Institutions, NBFC
To see the full contact details of Bwda Finance Limited, buy the company report.
Comprehensive company report
Bwda Finance Limited - one report that includes everything
- 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
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Brands
Bwda Finance operates two associated brands: BWDA Finance and Bullock-Cart Workers Development Association. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Microfinance and financial inclusion services for low-income households in India. | bwdafinanceltd.in | |
| Social development services focusing on rural empowerment, education, and community welfare in India. | bwda.in |
Business activity
The main business activity of Bwda Finance is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Bwda Finance Limited, buy the company report.
Financials of Bwda Finance Limited
FY 2025 filings availableBwda Finance Limited reported revenue of ₹72.75 Cr (up 21% YoY) for FY 2025.
Revenue · FY 2025
₹72.75 Cr ▲ 21%
Net profit · FY 2025
₹7.96 Cr margin 10.9%
EBITDA · FY 2025
₹38.35 Cr margin 52.7%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 21%
3 years · compounded
▲ 44%
5 years · compounded
▲ 47%
EBITDA CAGR growth
1 year
▲ 21%
3 years · compounded
▲ 54%
5 years · compounded
▲ 57%
Revenue has grown at a compounded annual rate (CAGR) of 47% over five years, including 21% growth in the latest year. EBITDA rose 21% 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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
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| Depreciation and Amortisation | |||||
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| Total Expenses | |||||
| EBITDA | ₹38.35 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹7.96 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
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| Inventories | |||||
| Trade Receivables | |||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 52.7% | ||||
| Net Profit Margin | 10.9% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
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| Receivable Days | |||||
| Payable Days | |||||
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To see the full financial statements and ratios of Bwda Finance Limited, buy the company report.
Board of directors and KMP of Bwda Finance Limited
Bwda Finance Limited currently reports 9 directors and 1 key managerial person. 35 former directors have served the organization.
Current Directors and KMP
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Joslin Thambi Chelliah | Managing Director | 30 Sep 2002 | 24 Years 1 Months | Current |
| Alphina Jos | Whole-Time Director | 23 Jul 2010 | 16 Years 3 Months | Current |
| Asir Raja Selvan | Director | 21 Jun 2021 | 5 Years 4 Months | Current |
| Rajagopal Prakash | Director | 07 Dec 2022 | 3 Years 11 Months | Current |
| Raghavan Balaji Rangarajan | Cfo | 18 Aug 2022 | 4 Years 2 Months | Current |
| Shirley Thomas | Director | 07 Dec 2022 | 3 Years 11 Months | Current |
Showing 6 of 10 current directors and KMP. View all directors and KMP
Peer comparison
Bwda Finance Limited is compared with the 3 companies closest to it by revenue in the BFSI industry (Finance, Micro Finance Institutions, Small Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Bwda Finance Limitedthis company | ₹72.75 Cr (FY 2025) | ₹7.96 Cr | 10.9% | 21.0% | 353 | Villupuram, Tamil Nadu, India |
| Rupen Investment and Industries Private Limited | ₹71.51 Cr (FY 2025) | 32.0% | Mumbai, Maharashtra, India | |||
| Sankhya Financial Services Private Limited | ₹71.38 Cr (FY 2019) | 1.0% | Mumbai, Maharashtra, India | |||
| Ifl Finance Limited | ₹71.37 Cr (FY 2025) | 12.0% | New Delhi, Delhi, India |
To see the full peer comparison of Bwda Finance Limited, buy the company report.
Auditor
Bwda Finance Limited is audited by MANOHAR CHOWDHRY AND ASSOCIATES for the financial year 2022.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| MANOHAR CHOWDHRY AND ASSOCIATES | FY 2022 | 001997S |
Shareholding
The shareholding of Bwda Finance Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Bwda Finance Limited, buy the company report.
Charges & borrowings
Open charges
₹339.76 Cr
Satisfied charges
₹569.78 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 01 Nov 2025 | 101187803 | Indian Overseas Bank | ₹40 Cr | Open | |
| 23 Sep 2025 | 101168070 | Others | ₹5 Cr | Open | |
| 23 Jun 2025 | 101123965 | Others | ₹13 Cr | Open | |
| 29 Mar 2025 | 101078320 | Others | ₹6.5 Cr | Open | |
| 29 Mar 2025 | 101080602 | Indian Overseas Bank | ₹30 Cr | Open |
To see the full charge records of Bwda Finance Limited, buy the company report.
Total charge records: 114 View all charges
Deals & funding
Bwda Finance Limited has 1 deal on record (1 funding round), with disclosed funding of ₹6.5 Cr; the latest was in March 2011.
Total deals
1
Funding round
1
Disclosed funding
₹6.5 Cr
Deals on record (1 of 1)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Mar 2011 | Funding round | ₹6.5 Cr | Investors: Dia Vikas Capital Private Limited |
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Bwda Finance Limited has 33 court cases on record: 29 filed by Bwda Finance, 4 filed against it. 8 cases are pending and 25 are disposed.
Total cases
33
Filed by the company
29
Filed against the company
4
Pending
8
Disposed
25
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 32 | 4 | 7 |
| High courts | 1 | 0 | 1 |
Cases on record (5 of 33)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Kerala | Writ petition | Filed by the company against State of Kerala, | Pending |
| District court, Cuddalore, Tamil Nadu | Court case (IP) | Filed against the company by an individual | Pending |
| District court, Puducherry | Criminal case | Filed by the company against an individual | Pending |
| District court, Port Blair, Andaman and Nicobar | Court case (Cr Case) | Filed by the company against an individual | Pending |
| District court, Port Blair, Andaman and Nicobar | Court case (Cr Case) | Filed by the company against an individual | Pending |
To see the full case history of Bwda Finance Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Bwda Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Bwda Finance Limited has a workforce of 353 employees on its EPFO records as of May 2026, across 1 active EPFO establishment.
Employee count
353
Active EPFO establishments
1
Employee growth
-19.6%
Headcount by financial year
| Financial year | Employees (EPFO) |
|---|---|
| FY 2026-27 | 353 |
| FY 2025-26 | |
| FY 2024-25 | |
| FY 2023-24 | |
| FY 2022-23 | |
| FY 2021-22 | |
| FY 2020-21 | |
| FY 2019-20 | |
| FY 2018-19 | |
| FY 2017-18 | |
| FY 2016-17 |
To see the full employee and EPFO history of Bwda Finance Limited, buy the company report.
GST
Bwda Finance has 2 GST registrations: 2 active.
Total GSTINs
2
Active
2
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AABCN4607Q1Z9 | Tamil Nadu | Active | 01 Jul 2017 |
| 32AABCN4607Q1ZB | Kerala | Active | 12 Mar 2025 |
To see the full GST registrations and return filing status of Bwda Finance Limited, buy the company report.
Recent activity
Bwda Finance Limited has 74 board changes on record since 2002: 42 appointments and 32 cessations. The latest: Rallyn George was appointed as Nominee Director on 01 Jul 2025.
Charges
A charge registered on 28 Nov 2023 via Charge ID 100818626 with Others was fully satisfied on 08 Dec 2025.
Charges
A charge registered on 27 Oct 2023 via Charge ID 100806925 with Others was fully satisfied on 18 Nov 2025.
Charges
A charge with Indian Overseas Bank amounted to Rs. 40.00 Cr with Charge ID 101187803 was registered on 01 Nov 2025.
Charges
A charge registered on 22 Sep 2023 via Charge ID 100789499 with Others was fully satisfied on 28 Oct 2025.
Charges
A charge registered on 17 Aug 2023 via Charge ID 100774977 with Others was fully satisfied on 09 Oct 2025.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101168070 was registered on 23 Sep 2025.
Charges
A charge registered on 25 Nov 2022 via Charge ID 100651645 with State Bank Of India was fully satisfied on 02 Sep 2025.
Charges
A charge registered on 29 Aug 2022 via Charge ID 100609045 with Others was fully satisfied on 02 Sep 2025.
Charges
A charge registered on 24 Jun 2022 via Charge ID 100594301 with Others was fully satisfied on 02 Sep 2025.
Charges
A charge registered on 29 Mar 2021 via Charge ID 100439067 with Others was fully satisfied on 02 Sep 2025.
AGM
Bwda Finance Limited last Annual general meeting of members was held on 23 Aug 2025 as per latest MCA records.
Appointed
Rallyn George was appointed as Nominee Director.
259 earlier events are in the company report.
Frequently asked questions
Bwda Finance is an active public limited company based in Villupuram, Tamil Nadu, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 18 April 1995 (31+ years old) and is registered under CIN U65921TN1995PLC030939.
Bwda Finance has 10 current directors and KMP:
- Joslin Thambi Chelliah - Managing Director
- Alphina Jos - Whole-Time Director
- Asir Raja Selvan - Director
- Rajagopal Prakash - Director
- Shirley Thomas - Director
- Anburaj Chelladurai - Nominee Director
- Rallyn George - Nominee Director
- Nagappan Selvam - Nominee Director
- Ajay Vyas - Director
- Raghavan Balaji Rangarajan - Cfo
The latest financial statements of Bwda Finance on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 23 August 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Bwda Finance is 33AABCN4607Q1Z9, registered in Tamil Nadu. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 32AABCN4607Q1ZB (Kerala).
The CIN (Corporate Identification Number) of Bwda Finance is U65921TN1995PLC030939. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Bwda Finance has 33 court cases on record: 29 filed by the company and 4 filed against it. 8 are pending. Most are in the district courts.
Bwda Finance was incorporated on 18 April 1995, making it 31+ years old. It is registered with the Registrar of Companies, Chennai.
Bwda Finance has 1 deal on record (1 funding round), with disclosed funding of ₹6.5 Cr; the latest was in March 2011.
The peers of Bwda Finance by revenue are Rupen Investment and Industries Private Limited, Sankhya Financial Services Private Limited, Ifl Finance Limited, all in the BFSI industry (Finance, Micro Finance Institutions, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Rallyn George was appointed as Nominee Director on 01 Jul 2025. Isaiah Alwin Zhaharia ceased to be Director on 28 Jun 2025. Nagappan Selvam was appointed as Nominee Director on 01 Aug 2024. Bwda Finance has 74 board changes on record in total.
Yes, Bwda Finance is registered as a small enterprise under Udyam registration (number: UDYAM-TN-31-0004719).
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