About Community Finance Private Limited
Data last updated:
Community Finance Private Limited is a private limited company based in Kolkata, West Bengal, India, a subsidiary of Community Holding Pte Limited. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 22 June 2010 and has been in existence for over 16 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U51101WB2010PTC150545. Its GSTIN is 19AACCI4046D1ZT (West Bengal). The company holds 3 GST registrations, all of them active.
The company has an authorised share capital of ₹25 Cr and a paid-up capital of ₹14.98 Cr. It was formerly known as Ishani Vanijya Private Limited and Ishani Vanijya P Ltd. It is led by directors including Ajay Govind Kalyankar (Managing Director) and Aaron Andrew Rozario.
Its last annual general meeting (AGM) was held on 15 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 4C Bela Apartment 203/1 Sahid Sunil Sen Sarani, Kolkata, West Bengal, India – 700028.
As per the financials filed for FY 2025, the company reported a revenue of ₹15.33 Cr, a growth of 5% compared to the previous year. For the same year it recorded a net profit of ₹60.5 Lakh (net margin 3.9%) and EBITDA of ₹3.23 Cr (EBITDA margin 21.1%). Revenue has declined at a compounded annual rate (CAGR) of 10% over three years and 4% over five years.
The company has about 95 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Community Finance. As per MCA filings, the company has open charges of ₹24 Cr and satisfied charges of ₹27.5 Cr on record. Court records list 913 cases involving the company, including 911 filed by the company and 2 filed against it; 321 cases are pending. The company has 5 deals on record (3 funding rounds, 2 secondary share transfers), with disclosed funding of ₹80.51 Cr; the latest was in June 2018. Its 4 peer companies in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 1 larger and 3 smaller; the largest is Janus Consolidated Finance Private Limited with revenue of ₹15.44 Cr. The company has 2 MSME Form 1 returns on record between 2023 and 2024, listing 21 overdue payments to 3 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website communityfinance.in.
Company details
Name history
Community Finance has undergone 2 name changes throughout its history. The company was previously known as Ishani Vanijya Private Limited, and Ishani Vanijya P Ltd. The current legal name is Community Finance Private Limited.
| Company Name | Status |
|---|---|
| Community Finance Private Limited | Current |
| Ishani Vanijya Private Limited | Previous |
| Ishani Vanijya P Ltd | Previous |
Contact details
Community Finance Private Limited's registered office is in Kolkata, West Bengal. Its website is communityfinance.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered Address4C Bela Apartment 203/1 Sahid Sunil Sen Sarani, Kolkata, West Bengal, India – 700028
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Community Finance Private 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
Brands
Community Finance operates one associated brand: Community Finance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides comprehensive solutions for diversified loans and financial services. | communityfinance.in |
Business activity
The main business activity of Community 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 Community Finance Private Limited, buy the company report.
Financials of Community Finance Private Limited
FY 2025 filings availableCommunity Finance Private Limited reported revenue of ₹15.33 Cr (up 5% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue rose 5% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 4%. EBITDA fell 6% 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 | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | |||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹3.23 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹60.5 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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 21.1% | ||||
| Net Profit Margin | 3.9% | ||||
| 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 | |||||
To see the full financial statements and ratios of Community Finance Private Limited, buy the company report.
Board of directors of Community Finance Private Limited
Community Finance has 4 current directors and 15 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Aaron Andrew Rozario | Director | 01 Nov 2017 | 8 Years 11 Months | Current |
| Francis Andrew Rozario | Director | 28 Jun 2016 | 10 Years 3 Months | Current |
| Vinay Kumar Bijawat | Director | 28 Jun 2016 | 10 Years 3 Months | Current |
| Ajay Govind Kalyankar | Managing Director | 28 Jun 2016 | 10 Years 3 Months | Current |
Peer comparison
Community Finance Private Limited is compared with the 4 companies closest to it by revenue in the BFSI industry (Finance, NBFC Investment and Credit Companies, 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 |
|---|---|---|---|---|---|---|
| Janus Consolidated Finance Private Limited | ₹15.44 Cr (FY 2024) | 88.0% | Mumbai, Maharashtra, India | |||
| Community Finance Private Limitedthis company | ₹15.33 Cr (FY 2025) | ₹60.5 Lakh | 3.9% | 5.0% | 95 | Kolkata, West Bengal, India |
| Thakurdevi Investnents Pvt Ltd | ₹15.3 Cr (FY 2024) | 23.0% | Punjab, India | |||
| Venkateshwar Investment & Finance Private Limited | ₹15.3 Cr (FY 2025) | 19.0% | Kolkata, West Bengal, India | |||
| Maninya Comfin Private Limited | ₹15.22 Cr (FY 2025) | -1.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Community Finance Private Limited, buy the company report.
Auditor
Community Finance Private Limited is audited by CHHAJED & DOSHI for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| CHHAJED & DOSHI | FY 2023 | 101794W |
Shareholding
The shareholding of Community Finance Private 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 Community Finance Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 15 Jul 2024 | 101059545 | Others | ₹5 Cr | Open | |
| 28 Feb 2024 | 100882055 | Others | ₹4 Cr | Open | |
| 04 Aug 2023 | 100781660 | Others | ₹15 Cr | Open | |
| 12 Mar 2020 | 100337669 | Others | ₹3 Cr | Satisfied | |
| 07 Nov 2019 | 100304954 | Others | ₹4 Cr | Satisfied |
To see the full charge records of Community Finance Private Limited, buy the company report.
Total charge records: 9 View all charges
Deals & funding
Community Finance Private Limited has 5 deals on record (3 funding rounds, 2 secondary share transfers), with disclosed funding of ₹80.51 Cr; the latest was in June 2018.
Deals on record (5 of 5)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Jun 2018 | Funding round | ₹30 Cr | Investors: Community Holdings Pte. Limited |
| Sep 2017 | Secondary share transfer | Undisclosed | Buyer: Community Holdings Pte. Limited, 2 individuals Seller: Sindhuchita Enterprises Private Limited , Vastupal Management Services Private Limited , an individual |
| Jul 2016 | Funding round | ₹48.41 Cr | Investors: Community Holdings Pte. Limited |
| Sep 2014 | Secondary share transfer | Undisclosed | Buyer: Sindhuchita Enterprises Private Limited Seller: Ace Traders Private Limited , Vastupal Management Services Private Limited |
| Oct 2010 | Funding round | ₹2.1 Cr | Investors: Vastupal Management Services Private Limited , Ace Traders Private Limited , an individual |
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Community Finance Private Limited has 913 court cases on record: 911 filed by Community Finance, 2 filed against it. 321 cases are pending and 592 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 913 | 2 | 321 |
Cases on record (5 of 913)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Sangli, Maharashtra | Civil suit | Filed against the company | Pending |
| District court, BELAGAVI, Karnataka | Criminal complaint | Filed by the company against an individual | Pending |
| District court, BELAGAVI, Karnataka | Execution petition | Filed by the company against an individual | Pending |
| District court, BELAGAVI, Karnataka | Execution petition | Filed by the company against an individual | Pending |
| District court, Ahmednagar, Maharashtra | Arbitration matter | Filed by the company against individuals | Pending |
To see the full case history of Community Finance 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
Community Finance Private Limited has 2 MSME Form 1 returns on record between 2023 and 2024, listing 21 overdue payments to 3 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (3 of 3)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Mourya Concepts (OPC) Private Limited | |||
| Rudrayani Fintech Services Private Limited | |||
| an individual supplier |
To see the full MSME payment records of Community Finance Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Community Finance Private Limited has a workforce of 95 employees on its EPFO records as of Apr 08, 2024, across 1 active EPFO establishment.
GST
Community Finance has 3 GST registrations: 3 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 19AACCI4046D1ZT | West Bengal | Active | 01 Jul 2017 |
| 29AACCI4046D1ZS | Karnataka | Active | 01 Jul 2017 |
| 27AACCI4046D1ZW | Maharashtra | Active | 23 Aug 2017 |
To see the full GST registrations and return filing status of Community Finance Private Limited, buy the company report.
Recent activity
Community Finance Private Limited has 15 board changes on record since 2012: 4 appointments and 11 cessations. The latest: Andrew Edward Gracias ceased to be Additional Director on 17 Aug 2022.
22 earlier events are in the company report.
Frequently asked questions
Community Finance is an active private limited company based in Kolkata, West Bengal, India. The company works in nbfc, within the financial services industry. It was incorporated on 22 June 2010 (16+ years old) and is registered under CIN U51101WB2010PTC150545.
Community Finance has 4 current directors:
- Ajay Govind Kalyankar - Managing Director
- Aaron Andrew Rozario - Director
- Francis Andrew Rozario - Director
- Vinay Kumar Bijawat - Director
The latest financial statements of Community Finance on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 15 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Community Finance is 19AACCI4046D1ZT, registered in West Bengal. The company has 3 GST registrations in all, of which 3 are active. Other active GSTINs include 29AACCI4046D1ZS (Karnataka), 27AACCI4046D1ZW (Maharashtra).
The CIN (Corporate Identification Number) of Community Finance is U51101WB2010PTC150545. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Community Finance has 913 court cases on record: 911 filed by the company and 2 filed against it. 321 are pending.
Community Finance was incorporated on 22 June 2010, making it 16+ years old. It is registered with the Registrar of Companies, Kolkata.
Community Finance has 5 deals on record (3 funding rounds, 2 secondary share transfers), with disclosed funding of ₹80.51 Cr; the latest was in June 2018.
The peers of Community Finance by revenue are Janus Consolidated Finance Private Limited, Thakurdevi Investnents Pvt Ltd, Venkateshwar Investment & Finance Private Limited, Maninya Comfin Private Limited, all in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Andrew Edward Gracias ceased to be Additional Director on 17 Aug 2022. Rohit Bhargava ceased to be Additional Director on 21 Sep 2020. Rakesh Bajaj ceased to be CFO on 27 Apr 2020. Community Finance has 15 board changes on record in total.
Community Finance has 2 MSME Form 1 returns on record between 2023 and 2024, listing 21 overdue payments to 3 micro and small suppliers. The latest return was filed on 18 Apr 2024.
Community Finance can be reached through the website communityfinance.in. Its registered office is in Kolkata, West Bengal, India.