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.
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 1,071 cases involving the company, including 1,066 filed by the company and 5 filed against it; 976 cases are pending.
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.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered Address87 Radio Colony, Jalandhar, Punjab, India – 144001
- IndustryFinancial Services, Asset Financing Companies, 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 Credifin Limited
Credifin operates primarily in the financial and insurance service sector. One business activity is registered with the MCA.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Financial and Credit leasing activities | Locked |
Detailed business activity records
Activity codes and each activity's share of turnover are in the company report.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Financials of Credifin Limited FY 2025 filings available
Credifin Limited reported revenue of ₹17.75 Cr (up 105.54% YoY) for FY 2023.
Compounded Annual Growth Rate (CAGR) of Credifin Limited
Revenue rose 105.54% in the latest year. All are worked out from the filed statements.
Financial Statement Summary of Credifin Limited
| 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 | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | •••• | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | •••• | •••• | •••• | •••• | •••• |
| 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 Credifin Limited
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | •••• | •••• | •••• | •••• | •••• |
| Net Profit Margin | •••• | •••• | •••• | •••• | •••• |
| 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 Credifin 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.
Peer Comparison of Credifin Limited
Credifin Limited is compared with the companies closest to it by revenue in the BFSI industry (Asset Financing Companies, Deposit Taking NBFC, NBFC Investment and Credit Companies). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Credifin Limited this company | ₹17.75 Cr (FY 2023) | •••• | •••• | 105.5% | •••• | Jalandhar, Punjab, India |
| Best Luck Securities Private Limited | ₹8.23 Lakh (FY 2025) | •••• | •••• | 31.0% | •••• | Kolkata, West Bengal, India |
| Odysee Vanijya Pvt Ltd | ₹8.21 Lakh (FY 2020) | •••• | •••• | -35.0% | •••• | Kolkata, West Bengal, India |
| Bhadawar Leasing & Finance Company Pvt. Ltd. | ₹8.19 Lakh (FY 2024) | •••• | •••• | -13.0% | •••• | Kolkata, West Bengal, India |
| Royal Installment Limited | ₹8.19 Lakh (FY 2025) | •••• | •••• | -45.0% | •••• | Bareilly, Uttar Pradesh, India |
| Cool Estates Pvt Ltd | ₹8.18 Lakh (FY 2025) | •••• | •••• | -37.0% | •••• | Delhi, India |
| Alankar Commodities Pvt Ltd | ₹8.12 Lakh (FY 2025) | •••• | •••• | -75.0% | •••• | Kolkata, West Bengal, India |
| Nishu Leasing and Finance Limited | ₹8.11 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | Kolkata, West Bengal, India |
| Konark Commerce & Industries Ltd | ₹8.1 Lakh (FY 2022) | •••• | •••• | •••• | Kolkata, West Bengal, India | |
| Kirti Dealers Pvt Ltd | ₹8.09 Lakh (FY 2023) | •••• | •••• | -85.0% | •••• | Kolkata, West Bengal, India |
| Nahata Estates Pvt Ltd | ₹8 Lakh (FY 2025) | •••• | •••• | -80.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Credifin by revenue in the BFSI industry (Asset Financing Companies, Deposit Taking NBFC, NBFC Investment and Credit Companies), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Credifin Limited
Credifin Limited is audited by Ms Gurpreet Kaur for the financial year 2019.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Ms Gurpreet Kaur | 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 Credifin Limited
Credifin has 6 current directors and 16 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Meghal Gupta | Director | 20 May 2021 | 5 Years 4 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 |
Ownership and Shareholding of Credifin Limited
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 Credifin Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 07 Jun 2026 | Hdfc Bank Limited | ₹50 Cr | Open |
| 31 May 2026 | Others | ₹5 Cr | Open |
| 08 May 2026 | Hdfc Bank Limited | ₹70 Lakh | Open |
| 18 Apr 2026 | Others | ₹8.18 Cr | Open |
| 30 Mar 2026 | Others | ₹5 Cr | Open |
Total charge records: 138 View all charges
Legal Cases of Credifin Limited
Credifin Limited has 1,071 court cases on record: 1,066 filed by Credifin, 5 filed against it. 976 cases are pending and 95 are disposed. Status as checked between 21 Sep 2026 and 02 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,064 | 5 | 976 |
| High courts | 7 | 0 | 0 |
Cases on record (5 of 1,071)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Jalandhar, Punjab | Cheque dishonour complaint | Filed by the company against Partap Cotex Private Limited | 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 |
Full case history
All 1,071 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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 by Credifin Limited
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 | •••• | •••• | •••• |
Full MSME payment history
Every supplier, amount and due date from all 2 MSME Form 1 returns is in the company report.
- Every reported supplier due
- Amounts and due dates
- Reasons given in each return
- Period-by-period history
Verified entity values are shown only after access is granted.
Individuals and sole proprietors among the suppliers are not named. Amounts, due dates and filing dates are in the company report.
Associated Brands with Credifin Limited
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 |
Employees and EPFO Compliance at Credifin Limited
Credifin Limited has a workforce of 297 employees as of Mar 27, 2024.
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.
News related to Credifin Limited
Recent Activity on Credifin Limited
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.
233 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Credifin Limited
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.
Subsidiaries & Group Companies of Credifin Limited
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.
GST Compliance of Credifin Limited
Credifin has 2 GST registrations: 1 active and 1 cancelled or inactive.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 03AAACP7603B2Z3 | Punjab | Active | 11 Sep 2020 |
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.
MCA Filings & Documents of Credifin Limited
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.
Frequently Asked Questions about Credifin Limited
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 reported revenue of ₹17.75 Cr for FY 2023 (up 105.54% YoY).
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 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.
Credifin has 1,071 court cases on record: 1,066 filed by the company and 5 filed against it. 976 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.
The peers of Credifin by revenue are Best Luck Securities Private Limited, Odysee Vanijya Pvt Ltd, Bhadawar Leasing & Finance Company Pvt. Ltd, Royal Installment Limited, Cool Estates Pvt Ltd and 5 more, all in the BFSI industry (Asset Financing Companies, Deposit Taking NBFC, NBFC Investment and Credit Companies).
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.
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.
Credifin can be reached through the website phfleasing.com. Its registered office is in Jalandhar, Punjab, India.