DPIIT recognised startup Government of India
Startup India
Card Expertise India Private Limited - internet in Noida, Uttar Pradesh, India. FY 2026 financials & compliance.
Revenue · FY 2024
₹22.04 Cr
▲ 2% YoY
Net profit · FY 2024
₹1.05 Cr
Net margin 4.8%
EBITDA · FY 2024
₹1.56 Cr
EBITDA margin 7.1%
Authorised capital
₹10 Lakh
Registered with MCA
Paid-up capital
₹1 Lakh
Issued & subscribed
Open charges
₹7.25 Cr
Secured borrowings
Company age
8 yrs
Est. 2018
Directors on board
3
As per MCA filings
About Card Expertise India Private Limited
Data last updated:
Card Expertise India Private Limited is a private limited company based in Noida, Uttar Pradesh, India, recognised as a startup by DPIIT. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 24 September 2018 and has been in existence for over 8 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U67100UP2018PTC108355. Its GSTIN is 09AAHCC7757L1ZY (Uttar Pradesh).
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Naveen Gupta and Parveen Gupta.
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 E – 54 Sector – 6, Noida, Uttar Pradesh, India – 201301.
As per the financials filed for FY 2024, the company reported a revenue of ₹22.04 Cr, a growth of 2% compared to the previous year. For the same year it recorded a net profit of ₹1.05 Cr (net margin 4.8%) and EBITDA of ₹1.56 Cr (EBITDA margin 7.1%).
The company is associated with 1 brand: CardExpertise. As per MCA filings, the company has open charges of ₹7.25 Cr on record. Court records list 1 case involving the company, including 1 filed by the company; 1 case is pending.
Card Expertise India Private Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-UP-28-0021585). For more details, the company can be reached via its website cardexpertise.in.
Company details
CIN U67100UP2018PTC108355
Registration Number 108355
Incorporation Date 24 September 2018
ROC Kanpur
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
DPIIT Recognition Recognised Startup
MSME Classification Small
Udyam Registration UDYAM-UP-28-0021585
Recognitions & Rankings of Card Expertise India
MSME (Udyam registered) Ministry of MSME
- Category
- Small (2023-24)
- Udyam number
- UDYAM-UP-28-0021585
Contact details
Card Expertise India Private Limited's registered office is in Noida, Uttar Pradesh. Its website is cardexpertise.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressE – 54 Sector – 6, Noida, Uttar Pradesh, India – 201301
- IndustryInternet, Online Financial Services
To see the full contact details of Card Expertise India Private Limited, buy the company report.
Comprehensive company report
Card Expertise India Private 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
Card Expertise India operates one associated brand: CardExpertise. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers HRMS and user login platforms for business management. | cardexpertise.in |
Business activity
The main business activity of Card Expertise India is support service to organizations. In detail, this covers other support services to organizations.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| N | Support service to Organizations | N7 | Other support services to organizations |
To see the full business activity and turnover split of Card Expertise India Private Limited, buy the company report.
Financials of Card Expertise India Private Limited
FY 2025 filings availableCard Expertise India Private Limited reported revenue of ₹22.04 Cr (up 2% YoY) for FY 2024.
Revenue · FY 2024
₹22.04 Cr ▲ 2%
Net profit · FY 2024
₹1.05 Cr margin 4.8%
EBITDA · FY 2024
₹1.56 Cr margin 7.1%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 2%
EBITDA CAGR growth
1 year
▼ 2%
5 years · compounded
▲ 301%
Revenue rose 2% in the latest year. EBITDA fell 2% 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 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
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| Total Expenses | |||||
| EBITDA | ₹1.56 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹1.05 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
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Financial Ratios
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 7.1% | ||||
| Net Profit Margin | 4.8% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
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| Payable Days | |||||
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To see the full financial statements and ratios of Card Expertise India Private Limited, buy the company report.
Board of directors of Card Expertise India Private Limited
Card Expertise India has 3 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Parveen Gupta Also directs: N5x Infotech Private Limited, NPS Real Estate Private Limited | Additional Director | 27 Jan 2021 | 5 Years 9 Months | Current |
| Naveen Gupta Also directs: Akiko Global Services Limited, N5x Infotech Private Limited, NPS Real Estate Private Limited and 2 more | Director | 24 Sep 2018 | 8 Years 1 Months | Current |
| Jyoti Verma | Additional Director | 21 Nov 2019 | 6 Years 11 Months | Current |
Auditor
Card Expertise India Private Limited is audited by AGARWAL NAVEEN & ASSOCIATES for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| AGARWAL NAVEEN & ASSOCIATES | FY 2019 | 024475C |
Shareholding
The shareholding of Card Expertise India Private Limited is on record for 3 financial years, the latest being FY 2022, split between promoters, domestic institutions, public shareholders and others.
| Shareholder category | FY 2022 | FY 2021 | FY 2019 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Card Expertise India Private Limited, buy the company report.
Charges & borrowings
Open charges
₹7.25 Cr
Satisfied charges
None
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 31 Aug 2025 | 101155516 | Others | ₹4.25 Cr | Open | |
| 04 Oct 2023 | 100832643 | Others | ₹3 Cr | Open |
To see the full charge records of Card Expertise India Private Limited, buy the company report.
Total charge records: 2 View all charges
Legal cases
Card Expertise India Private Limited has 1 court case on record: 1 filed by Card Expertise India. All case is pending.
Total cases
1
Filed by the company
1
Pending
1
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 1 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Delhi | Arbitration matter | Filed by the company against Eqx Analytics Private Limited & Ors. | Pending |
To see the full case history of Card Expertise India Private 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 Card Expertise India Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Card Expertise India has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 09AAHCC7757L1ZY | Uttar Pradesh | Active | 02 Nov 2018 |
To see the full GST registrations and return filing status of Card Expertise India Private Limited, buy the company report.
Recent activity
Card Expertise India Private Limited has 4 board changes on record since 2018: 3 appointments and 1 cessation. The latest: Parveen Gupta was appointed as Additional Director on 27 Jan 2021.
AGM
Card Expertise India Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Charges
A charge with Others amounted to Rs. 425.00 Lakh with Charge ID 101155516 was registered on 31 Aug 2025.
Filing
Card Expertise India Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Kanpur.
Charges
A charge with Others of Rs. 300.00 Lakh registered on 04 Oct 2023 with Charge ID 100832643 was modified on 07 Oct 2024.
Charges
A charge with Others amounted to Rs. 300.00 Lakh with Charge ID 100832643 was registered on 04 Oct 2023.
Appointed
Parveen Gupta was appointed as Additional Director.
Appointed
Jyoti Verma was appointed as Additional Director.
Ceased
Priyanka Jha ceased to be Director.
Appointed
Naveen Gupta was appointed as Director.
Incorporation
24 Sep 2018
Card Expertise India Private Limited was registered on 24 Sep 2018 with Roc Kanpur & aged 8 years 1 month as per MCA records.
Frequently asked questions
Card Expertise India is an active private limited company based in Noida, Uttar Pradesh, India. The company works in online financial services, within the internet industry. It was incorporated on 24 September 2018 (8+ years old) and is registered under CIN U67100UP2018PTC108355.
Card Expertise India has 3 current directors:
- Parveen Gupta - Additional Director
- Naveen Gupta - Director
- Jyoti Verma - Additional Director
The latest financial statements of Card Expertise India on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2019 are in the company report.
The GSTIN of Card Expertise India is 09AAHCC7757L1ZY, registered in Uttar Pradesh.
The CIN (Corporate Identification Number) of Card Expertise India is U67100UP2018PTC108355. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Card Expertise India has 1 court case on record: 1 filed by the company. 1 is pending.
Card Expertise India was incorporated on 24 September 2018, making it 8+ years old. It is registered with the Registrar of Companies, Kanpur.
Parveen Gupta was appointed as Additional Director on 27 Jan 2021. Jyoti Verma was appointed as Additional Director on 21 Nov 2019. Priyanka Jha ceased to be Director on 21 Nov 2019. Card Expertise India has 4 board changes on record in total.
Yes, Card Expertise India is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Yes, Card Expertise India is registered as a small enterprise under Udyam registration (number: UDYAM-UP-28-0021585).
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