MSME (Udyam registered) Ministry of MSME
- Category
- Micro (2024-25)
- Udyam number
- UDYAM-PB-10-0008933
Credifin Limited - financial services in Jalandhar, Punjab, India. FY 2026 financials & compliance.
Revenue · FY 2023
₹17.75 Cr
▲ 105.54% YoY
Authorised capital
₹40 Cr
Registered with MCA
Paid-up capital
₹30.83 Cr
Issued & subscribed
Open charges
₹382.7 Cr
Satisfied ₹77.68 Cr
Company age
34 yrs
Est. 1992
Employees · EPFO
297
Provident fund records
Directors on board
6
As per MCA filings
Active GSTINs
1
of 2 registered
About Credifin Limited
Data last updated:
Credifin Limited is a public limited company based in Jalandhar, Punjab, India. It operates in the asset financing companies segment of the financial services sector. It was incorporated on 20 July 1992 and has been in existence for over 34 years.
The company is registered with the Registrar of Companies (ROC), Chandigarh, under CIN L65110PB1992PLC012488. Its GSTIN is 03AAACP7603B2Z3 (Punjab). The company holds 2 GST registrations, of which 1 is active. It is a listed company as per MCA records.
The company has an authorised share capital of ₹40 Cr and a paid-up capital of ₹30.83 Cr. It is led by directors including Kumar Shalya Gupta (Managing Director) and Vijay Kumar Sareen (Whole-Time Director).
Its last annual general meeting (AGM) was held on 19 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 87 Radio Colony, Jalandhar, Punjab, India – 144001.
As per the financials filed for FY 2023, the company reported a revenue of ₹17.75 Cr, a growth of 105.54% compared to the previous year.
The company has about 297 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: PHF Leasing. As per MCA filings, the company has open charges of ₹382.7 Cr and satisfied charges of ₹77.68 Cr on record. Court records list 1,072 cases involving the company, including 1,067 filed by the company and 5 filed against it; 977 cases are pending.
Credifin Limited is registered as a micro enterprise under the Udyam registration framework (Reg. No. UDYAM-PB-10-0008933). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website phfleasing.com.
Company details
CIN L65110PB1992PLC012488
Registration Number 012488
Incorporation Date 20 July 1992
ROC Chandigarh
Listing Status Listed
Company Status Active
Date of Last AGM 19 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Micro
Udyam Registration UDYAM-PB-10-0008933
Key People
Kumar Shalya Gupta Managing Director Vijay Kumar Sareen Whole-Time Director Meghal Gupta Director Recognitions & Rankings of Credifin
Contact details
Credifin Limited's registered office is in Jalandhar, Punjab. Its website is phfleasing.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address87 Radio Colony, Jalandhar, Punjab, India – 144001
- IndustryFinancial Services, Asset Financing Companies, NBFC, Investment & Credit NBFC
To see the full contact details of Credifin Limited, buy the company report.
Comprehensive company report
Credifin 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
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included
Brands
Credifin operates one associated brand: PHF Leasing. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Financial services encompassing loans for homes, vehicles, education, and businesses in India. | phfleasing.com |
Business activity
Credifin operates primarily in the financial and insurance service sector. One business activity is registered with the MCA.
| Main activity group | Business activity | Share of turnover |
|---|---|---|
| Financial and insurance Service | Financial and Credit leasing activities |
To see the full business activity and turnover split of Credifin Limited, buy the company report.
Financials of Credifin Limited
FY 2025 filings availableCredifin Limited reported revenue of ₹17.75 Cr (up 105.54% YoY) for FY 2023.
Revenue · FY 2023
₹17.75 Cr ▲ 105.54%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 105.54%
Revenue rose 105.54% in the latest year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | ₹17.75 Cr | ||||
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Financial Ratios
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
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To see the full financial statements and ratios of Credifin Limited, buy the company report.
Board of directors of Credifin Limited
Credifin has 6 current directors and 16 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Meghal Gupta | Director | 20 May 2021 | 5 Years 5 Months | Current |
| Ashwani Kumar Jindal | Director | 07 Mar 2020 | 6 Years 7 Months | Current |
| Vijay Kumar Sareen Also directs: Credifin Capital Private Limited | Whole-Time Director | 07 Mar 2020 | 6 Years 7 Months | Current |
| Aditi Kapur | Director | 26 Jun 2021 | 5 Years 3 Months | Current |
| Kumar Shalya Gupta Also directs: Credifin Capital Private Limited | Managing Director | 04 Aug 2025 | 1 Years 2 Months | Current |
| Sunil Kumar Mehta | Director | 06 Mar 2025 | 1 Years 7 Months | Current |
Auditor
Credifin Limited is audited by Ms Gurpreet Kaur for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Ms Gurpreet Kaur | FY 2019 | 546668 |
Shareholding
The shareholding of Credifin 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 Credifin Limited, buy the company report.
Charges & borrowings
Open charges
₹382.7 Cr
Satisfied charges
₹77.68 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 07 Jun 2026 | 101310365 | Hdfc Bank Limited | ₹50 Cr | Open | |
| 31 May 2026 | 101299078 | Others | ₹5 Cr | Open | |
| 08 May 2026 | 101288681 | Hdfc Bank Limited | ₹70 Lakh | Open | |
| 18 Apr 2026 | 101280647 | Others | ₹8.18 Cr | Open | |
| 30 Mar 2026 | 101275860 | Others | ₹5 Cr | Open |
To see the full charge records of Credifin Limited, buy the company report.
Total charge records: 138 View all charges
Legal cases
Credifin Limited has 1,072 court cases on record: 1,067 filed by Credifin, 5 filed against it. 977 cases are pending and 95 are disposed.
Total cases
1,072
Filed by the company
1,067
Filed against the company
5
Pending
977
Disposed
95
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,065 | 5 | 977 |
| High courts | 7 | 0 | 0 |
Cases on record (5 of 1,072)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Ferozepur, Punjab | Civil suit | Filed against the company by an individual | Pending |
| District court, Moga, Punjab | Civil suit | Filed against the company by an individual | Pending |
| District court, Jalandhar, Punjab | Cheque dishonour complaint | Filed by the company against an individual | Pending |
| District court, Jalandhar, Punjab | Cheque dishonour complaint | Filed by the company against an individual | Pending |
| District court, Jalandhar, Punjab | Cheque dishonour complaint | Filed by the company against an individual | Pending |
To see the full case history of Credifin 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.
Credit ratings & regulatory alerts
Credifin Limited was last rated by Icra on 19 Mar 2021.
| Rating agency | Rated on | Rating |
|---|---|---|
| Icra | 19 Mar 2021 |
To see the full credit ratings and regulatory alerts of Credifin Limited, buy the company report.
MSME payment delays
Credifin Limited has 2 MSME Form 1 returns on record between 2020 and 2021, listing 2 overdue payments to 1 micro and small supplier. 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 (1 of 1)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| D Gupta & Company |
To see the full MSME payment records of Credifin Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Credifin Limited has a workforce of 297 employees on its EPFO records as of Mar 27, 2024, across 1 active EPFO establishment.
Employee count
297
Active EPFO establishments
1
Employee growth
55.5%
GST
Credifin has 2 GST registrations: 1 active and 1 cancelled or inactive.
Total GSTINs
2
Active
1
Cancelled / inactive
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 03AAACP7603B2Z3 | Punjab | Active | 11 Sep 2020 |
To see the full GST registrations and return filing status of Credifin Limited, buy the company report.
Recent activity
Credifin Limited has 35 board changes on record since 1992: 21 appointments and 14 cessations. The latest: Chandan Chugh ceased to be Director on 30 Sep 2025.
Charges
A charge registered on 31 May 2023 via Charge ID 100730946 with Others was fully satisfied on 30 Jun 2026.
Charges
A charge with Hdfc Bank Limited amounted to Rs. 50.00 Cr with Charge ID 101310365 was registered on 07 Jun 2026.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101299078 was registered on 31 May 2026.
Charges
A charge with Hdfc Bank Limited amounted to Rs. 0.70 Cr with Charge ID 101288681 was registered on 08 May 2026.
Charges
A charge registered on 24 Mar 2023 via Charge ID 100695741 with Others was fully satisfied on 27 Apr 2026.
Charges
A charge with Others amounted to Rs. 8.18 Cr with Charge ID 101280647 was registered on 18 Apr 2026.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101275860 was registered on 30 Mar 2026.
Charges
A charge with Others of Rs. 1.24 Cr registered on 17 Feb 2026 with Charge ID 101273838 was modified on 30 Mar 2026.
Charges
A charge with Others amounted to Rs. 10.00 Cr with Charge ID 101251967 was registered on 10 Mar 2026.
Charges
A charge with Others amounted to Rs. 9.64 Cr with Charge ID 101249128 was registered on 25 Feb 2026.
Charges
A charge registered on 27 Dec 2023 via Charge ID 100847174 with Others was fully satisfied on 23 Feb 2026.
Charges
A charge with Others amounted to Rs. 1.24 Cr with Charge ID 101273838 was registered on 17 Feb 2026.
233 earlier events are in the company report.
News
Frequently asked questions
Credifin is an active public limited company based in Jalandhar, Punjab, India. The company works in asset financing companies, within the financial services industry. It was incorporated on 20 July 1992 (34+ years old) and is registered under CIN L65110PB1992PLC012488.
Credifin has 6 current directors:
- Kumar Shalya Gupta - Managing Director
- Vijay Kumar Sareen - Whole-Time Director
- Meghal Gupta - Director
- Ashwani Kumar Jindal - Director
- Aditi Kapur - Director
- Sunil Kumar Mehta - Director
The latest financial statements of Credifin on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 19 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Credifin is 03AAACP7603B2Z3, registered in Punjab. The company has 2 GST registrations in all, of which 1 is active and 1 is cancelled or inactive.
The CIN (Corporate Identification Number) of Credifin is L65110PB1992PLC012488. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. Credifin is a listed company as per MCA records.
Credifin has 1,072 court cases on record: 1,067 filed by the company and 5 filed against it. 977 are pending. Most are in the district courts.
Credifin was incorporated on 20 July 1992, making it 34+ years old. It is registered with the Registrar of Companies, Chandigarh.
Chandan Chugh ceased to be Director on 30 Sep 2025. Kumar Shalya Gupta was appointed as Managing Director on 04 Aug 2025. Sunil Kumar Mehta was appointed as Director on 06 Mar 2025. Credifin has 35 board changes on record in total.
Yes, Credifin is registered as a micro enterprise under Udyam registration (number: UDYAM-PB-10-0008933).
Credifin has 2 MSME Form 1 returns on record between 2020 and 2021, listing 2 overdue payments to 1 micro and small supplier. The latest return was filed on 13 May 2021.