About Chiramel Nidhi Limited
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Chiramel Nidhi Limited is a nidhi company based in Thrissur, Kerala, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 02 May 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65999KL2016PLC045640.
The company has an authorised share capital of ₹30 Lakh and a paid-up capital of ₹25.36 Lakh. It is led by directors including Tomy Chiramel Joseph (Managing Director) and Chirammal Jose Neppo.
Its last annual general meeting (AGM) was held on 27 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Door No: 10/37 – 141 Adam Bazar Eastern Rice Bazar, Thrissur, Kerala, India – 680001.
As per the financials filed for FY 2025, the company reported a revenue of ₹68,500, a growth of 37% compared to the previous year. For the same year it recorded a net loss of ₹1.99 Lakh (net margin -291.1%) and EBITDA of -₹1.95 Lakh (EBITDA margin -283.9%). Revenue has declined at a compounded annual rate (CAGR) of 67% over three years and 51% over five years.
As per MCA filings, the company has satisfied charges of ₹10.08 Lakh 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 chiramels.com.
Company details
Contact details
Chiramel Nidhi Limited's registered office is in Thrissur, Kerala. Its website is chiramels.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressDoor No: 10/37 – 141 Adam Bazar Eastern Rice Bazar, Thrissur, Kerala, India – 680001
- IndustryFinancial Services, Financial Activities
To see the full contact details of Chiramel Nidhi Limited, buy the company report.
- 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
Business activity
The main business activity of Chiramel Nidhi 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 |
Financials of Chiramel Nidhi Limited
FY 2025 filings availableChiramel Nidhi Limited reported revenue of ₹68,500 (up 37% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue rose 37% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 51%. EBITDA rose 37% 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 |
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| EBITDA | -₹1.95 Lakh | ||||
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| Net Profit (PAT) | -₹1.99 Lakh | ||||
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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 | -283.9% | ||||
| Net Profit Margin | -291.1% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of Chiramel Nidhi Limited, buy the company report.
Board of directors of Chiramel Nidhi Limited
Chiramel Nidhi has 8 current directors and 6 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Chirammal Jose Neppo | Director | 03 Jun 2016 | 10 Years 5 Months | Current |
| Varghese Chiramel Porinchu | Director | 02 May 2016 | 10 Years 6 Months | Current |
| Chiramel Devassy Jose Also directs: Chiramel Kuries Private Limited | Director | 02 May 2016 | 10 Years 6 Months | Current |
| Jose Chiramel Chakkoru Also directs: Chiramel Kuries Private Limited | Director | 03 Jun 2016 | 10 Years 5 Months | Current |
| Chiramalputhenmaru Sunny Jelson Also directs: Chiramel Kuries Private Limited | Director | 03 Jun 2016 | 10 Years 5 Months | Current |
| Davis Chakkappan Pullokkaran Also directs: Chiramel Kuries Private Limited | Director | 02 May 2016 | 10 Years 6 Months | Current |
Peer comparison
Chiramel Nidhi Limited is compared with the 10 companies closest to it by revenue in 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 |
|---|---|---|---|---|---|---|
| Konniyur Chits Private Limited | ₹68,700 (FY 2022) | -16.0% | Konni, Kerala, India | |||
| Ayushdhan Micro Finance Foundation | ₹68,673 (FY 2018) | 109.0% | Lucknow, Uttar Pradesh, India | |||
| Gravity Financial Solutions Private Limited | ₹68,600 (FY 2024) | -79.0% | New Delhi, Delhi, India | |||
| Chiramel Nidhi Limitedthis company | ₹68,500 (FY 2025) | -₹1.99 Lakh | -291.1% | 37.0% | Thrissur, Kerala, India | |
| Puliyanath Chits Private Limited | ₹68,500 (FY 2025) | 1.0% | Kochi, Kerala, India | |||
| Finpaisa Wealth Private Limited | ₹68,500 (FY 2025) | 37.0% | Kolkata, West Bengal, India | |||
| Hill Andmenon Securities Private Limited | ₹68,477 (FY 2025) | 953.0% | Bangalore, Karnataka, India | |||
| Agrisemam Microfinance Private Limited | ₹68,446 (FY 2017) | Madurai, Tamil Nadu, India | ||||
| Arinjay Nidhi Limited | ₹68,327 (FY 2024) | 16.0% | Jaipur, Rajasthan, India | |||
| Sakhi Nidhi Limited | ₹68,283 (FY 2021) | -85.0% | Korba, Chhattisgarh, India | |||
| QTP Investment Pvt Ltd | ₹68,277 (FY 2025) | Kolkata, West Bengal, India |
To see the full peer comparison of Chiramel Nidhi Limited, buy the company report.
Auditor
Chiramel Nidhi Limited is audited by ARUNBIJOY&CO for the financial year 2017.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| ARUNBIJOY&CO | FY 2017 | 013105S |
Shareholding
The shareholding of Chiramel Nidhi Limited is on record for FY 2017, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2017 |
|---|---|
| Promoters | |
| Domestic institutional investors (DII) | |
| Foreign institutional investors (FII) | |
| Public | |
| Others |
To see the full shareholding pattern of Chiramel Nidhi Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 20 Oct 2020 | 100385389 | The South Indian Bank Limited | ₹10.08 Lakh | Satisfied |
To see the full charge records of Chiramel Nidhi Limited, buy the company report.
Total charge records: 1 View all charges
Legal cases
No court or tribunal cases involving Chiramel Nidhi Limited are on our record; a case search with case numbers, parties and status is in the company report Buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Chiramel Nidhi Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Chiramel Nidhi Limited; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Chiramel Nidhi Limited has 14 board changes on record since 2016: 8 appointments and 6 cessations. The latest: Raphael Chiramel Paul ceased to be Director on 08 Jun 2023.
7 earlier events are in the company report.
Frequently asked questions
Chiramel Nidhi is an active nidhi company based in Thrissur, Kerala, India. The company works in financial activities, within the financial services industry. It was incorporated on 02 May 2016 (10+ years old) and is registered under CIN U65999KL2016PLC045640.
Chiramel Nidhi has 8 current directors:
- Tomy Chiramel Joseph - Managing Director
- Chirammal Jose Neppo - Director
- Varghese Chiramel Porinchu - Director
- Chiramel Devassy Jose - Director
- Jose Chiramel Chakkoru - Director
- Chiramalputhenmaru Sunny Jelson - Director
- Davis Chakkappan Pullokkaran - Director
- Joshy Chiramal - Director
The latest financial statements of Chiramel Nidhi on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 27 September 2025. Year-wise statements from FY 2017 are in the company report.
The CIN (Corporate Identification Number) of Chiramel Nidhi is U65999KL2016PLC045640. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Chiramel Nidhi was incorporated on 02 May 2016, making it 10+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Chiramel Nidhi by revenue are Konniyur Chits Private Limited, Ayushdhan Micro Finance Foundation, Gravity Financial Solutions Private Limited, Puliyanath Chits Private Limited, Finpaisa Wealth Private Limited and 5 more, all in the same principal business activity (other financial activities).
Raphael Chiramel Paul ceased to be Director on 08 Jun 2023. Paul Chiramel Kurian ceased to be Director on 16 Jan 2021. Alphonsa Pullan John ceased to be Director on 22 Sep 2019. Chiramel Nidhi has 14 board changes on record in total.
Chiramel Nidhi can be reached through the website chiramels.com. Its registered office is in Thrissur, Kerala, India.
The registered office of Chiramel Nidhi is at Door No: 1037 – 141 Adam Bazar Eastern Rice Bazar, Thrissur, Kerala, India – 680001.
Chiramel Nidhi operates in the financial services industry, in the financial activities segment.
Chiramel Nidhi has no open charges and satisfied charges of ₹10.08 Lakh as per latest MCA filings.
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