Chartered Credits Pvt Ltd
About Chartered Credits Pvt Ltd
Data last updated:
Chartered Credits Pvt Ltd is a private limited company based in Thrissur, Kerala, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 20 October 1993 and has been in existence for over 33 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65923KL1993PTC007436.
The company has an authorised share capital of ₹5.1 Cr and a paid-up capital of ₹5.1 Cr. It is led by directors including Lemin Lawrence and Lenil Lawrance.
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 28/693 Sree Wadakkunnathan Shopping Complex Cochin Devaswom Building, Thrissur, Kerala, India – 680020.
As per the financials filed for FY 2025, the company reported a revenue of ₹22.45 Lakh, a growth of 9% compared to the previous year. For the same year it recorded a net loss of ₹2.4 Lakh (net margin -10.7%) and EBITDA of -₹1.77 Lakh (EBITDA margin -7.9%). Revenue has grown at a compounded annual rate (CAGR) of 7% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address28/693 Sree Wadakkunnathan Shopping Complex Cochin Devaswom Building, Thrissur, Kerala, India – 680020
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
- 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
- One PDF report, delivered after checkout
Business Activity of Chartered Credits Pvt Ltd
The main business activity of Chartered Credits is financial and insurance service. In detail, this covers 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
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Chartered Credits Pvt Ltd
Chartered Credits Pvt Ltd is audited by VASU & SIVARAM for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| VASU & SIVARAM | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Chartered Credits Pvt Ltd
Chartered Credits has 3 current directors and 7 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Lemin Lawrence Also directs: Ruby Roller Flour Mills Pvt Ltd, Edakkalathur Hotels and Resorts Private Limited, Edakkalathur Nidhi Limited and 4 more | Director | 04 Apr 2016 | 10 Years 6 Months | Current |
| Lenil Lawrance Also directs: Ruby Roller Flour Mills Pvt Ltd, Edakkalathur Hotels and Resorts Private Limited, Edakkalathur Nidhi Limited and 4 more | Director | 09 May 2018 | 8 Years 4 Months | Current |
| Reshna | Director | 29 Jan 2025 | 1 Years 8 Months | Current |
Financials of Chartered Credits Pvt Ltd FY 2025 filings available
Chartered Credits Pvt Ltd reported revenue of ₹22.45 Lakh (up 9% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Chartered Credits Pvt Ltd
Revenue has grown at a compounded annual rate (CAGR) of 7% over three years, including 9% growth in the latest year. EBITDA fell 246% 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 of Chartered Credits Pvt Ltd
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | •••• | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | -₹1.77 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹2.4 Lakh | •••• | •••• | •••• | •••• |
| Balance Sheet | |||||
| Share Capital | •••• | •••• | •••• | •••• | •••• |
| Reserves and Surplus | •••• | •••• | •••• | •••• | •••• |
| Net Worth (Total Equity) | •••• | •••• | •••• | •••• | •••• |
| Long-term Borrowings | •••• | •••• | •••• | •••• | •••• |
| Short-term Borrowings | •••• | •••• | •••• | •••• | •••• |
| Trade Payables | •••• | •••• | •••• | •••• | •••• |
| Total Liabilities | •••• | •••• | •••• | •••• | •••• |
| Fixed Assets | •••• | •••• | •••• | •••• | •••• |
| Investments | •••• | •••• | •••• | •••• | •••• |
| Inventories | •••• | •••• | •••• | •••• | •••• |
| Trade Receivables | •••• | •••• | •••• | •••• | •••• |
| Cash and Bank Balance | •••• | •••• | •••• | •••• | •••• |
| Total Assets | •••• | •••• | •••• | •••• | •••• |
Financial Ratios of Chartered Credits Pvt Ltd
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -7.9% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -10.7% | •••• | •••• | •••• | •••• |
| Return on Equity (ROE) | •••• | •••• | •••• | •••• | •••• |
| Return on Capital Employed (ROCE) | •••• | •••• | •••• | •••• | •••• |
| Return on Assets (ROA) | •••• | •••• | •••• | •••• | •••• |
| Liquidity and Debt | |||||
| Current Ratio | •••• | •••• | •••• | •••• | •••• |
| Quick Ratio | •••• | •••• | •••• | •••• | •••• |
| Debt-to-Equity Ratio | •••• | •••• | •••• | •••• | •••• |
| Interest Coverage Ratio | •••• | •••• | •••• | •••• | •••• |
| Efficiency and Growth | |||||
| Asset Turnover | •••• | •••• | •••• | •••• | •••• |
| Receivable Days | •••• | •••• | •••• | •••• | •••• |
| Payable Days | •••• | •••• | •••• | •••• | •••• |
| Inventory Days | •••• | •••• | •••• | •••• | •••• |
| Revenue Growth | •••• | •••• | •••• | •••• | •••• |
| Net Profit Growth | •••• | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Chartered Credits are in the company report.
Financial statements from 2015
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Chartered Credits Pvt Ltd
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Chartered Credits Pvt Ltd
Chartered Credits Pvt Ltd does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Chartered Credits Pvt Ltd
Employment history and EPFO contributions of people linked to Chartered Credits.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Chartered Credits Pvt Ltd
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- 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 Chartered Credits Pvt Ltd
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- 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 Chartered Credits Pvt Ltd
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- 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 Chartered Credits Pvt Ltd
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- 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 Chartered Credits Pvt Ltd
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Chartered Credits Pvt Ltd
Frequently Asked Questions about Chartered Credits Pvt Ltd
Chartered Credits is an active private limited company based in Thrissur, Kerala, India. The company works in nbfc, within the financial services industry. It was incorporated on 20 October 1993 (33+ years old) and is registered under CIN U65923KL1993PTC007436.
Chartered Credits reported revenue of ₹22.45 Lakh for FY 2025 (up 9% YoY).
Chartered Credits has 3 current directors:
- Lemin Lawrence - Director
- Lenil Lawrance - Director
- Reshna - Director
Chartered Credits reported a net loss of ₹2.4 Lakh (net margin -10.7%) and EBITDA of -₹1.77 Lakh (EBITDA margin -7.9%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Chartered Credits is 7% over three years. In the latest year (FY 2025) revenue rose 9%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Chartered Credits is U65923KL1993PTC007436. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Chartered Credits was incorporated on 20 October 1993, making it 33+ years old. It is registered with the Registrar of Companies, Ernakulam.
The registered office of Chartered Credits is at 28693 Sree Wadakkunnathan Shopping Complex Cochin Devaswom Building, Thrissur, Kerala, India – 680020.
Chartered Credits has an authorised share capital of ₹5.1 Cr and a paid-up capital of ₹5.1 Cr.