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Credilio Financial Technologies Private Limited - internet in Mumbai, Maharashtra, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹80.55 Cr
▼ 1% YoY
Net loss · FY 2025
₹19.91 Cr
Net margin -24.7%
EBITDA · FY 2025
-₹15.6 Cr
EBITDA margin -19.4%
Authorised capital
₹6.81 Lakh
Registered with MCA
Paid-up capital
₹1.83 Lakh
Issued & subscribed
Open charges
₹16 Cr
Satisfied ₹12 Cr
Company age
6 yrs
Est. 2020
Employees · EPFO
152
Provident fund records
About Credilio Financial Technologies Private Limited
Data last updated:
Credilio Financial Technologies Private Limited is a private limited company based in Mumbai, Maharashtra, India, recognised as a startup by DPIIT. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 28 July 2020 and has been in existence for over 6 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U72900MH2020PTC342791. Its GSTIN is 27AAICC8500C1ZZ (Maharashtra).
The company has an authorised share capital of ₹6.81 Lakh and a paid-up capital of ₹1.83 Lakh. It is led by directors including Sandeep Bhimrao Ghule and Anand Bharat Kapadia.
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 Mumbai, Maharashtra.
As per the financials filed for FY 2025, the company reported a revenue of ₹80.55 Cr, a decline of 1% compared to the previous year. For the same year it recorded a net loss of ₹19.91 Cr (net margin -24.7%) and EBITDA of -₹15.6 Cr (EBITDA margin -19.4%). Revenue has grown at a compounded annual rate (CAGR) of 126% over three years.
The company has about 152 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Credilio. As per MCA filings, the company has open charges of ₹16 Cr and satisfied charges of ₹12 Cr on record. Court records list 7 cases involving the company, including 7 filed by the company; 5 cases are pending. The company has 11 deals on record (7 funding rounds, 2 secondary share transfers, 1 debt financing), with disclosed funding of ₹218.24 Cr; the latest was in April 2026. The company has 3 MSME Form 1 returns on record between 2023 and 2024, listing 9 overdue payments to 3 micro and small suppliers.
Credilio Financial Technologies Private Limited is registered as a medium enterprise under the Udyam registration framework (Reg. No. UDYAM-MH-19-0014045). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website credilio.in.
Company details
CIN U72900MH2020PTC342791
Registration Number 342791
Incorporation Date 28 July 2020
ROC Mumbai
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
DPIIT Recognition Recognised Startup
MSME Classification Medium
Udyam Registration UDYAM-MH-19-0014045
Recognitions & Rankings of Credilio Financial Technologies
MSME (Udyam registered) Ministry of MSME
- Category
- Medium (2024-25)
- Udyam number
- UDYAM-MH-19-0014045
Contact details
Credilio Financial Technologies Private Limited's registered office is in Mumbai, Maharashtra. Its website is credilio.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address1001 10th Floor Classic Pentagon, Western Express Highway Andheri (East), Mumbai, Maharashtra, India – 400053
- IndustryInternet, Online Financial Services
To see the full contact details of Credilio Financial Technologies Private Limited, buy the company report.
Comprehensive company report
Credilio Financial Technologies Private 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
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Brands
Credilio Financial Technologies operates one associated brand: Credilio. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Personal finance is simplified via credit cards and loans. | credilio.in |
Business activity
The main business activity of Credilio Financial Technologies is professional, scientific and technical. In detail, this covers other professional, scientific and technical activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| M | Professional, Scientific and Technical | M9 | Other professional, scientific and technical activities |
To see the full business activity and turnover split of Credilio Financial Technologies Private Limited, buy the company report.
Financials of Credilio Financial Technologies Private Limited
FY 2025 filings availableCredilio Financial Technologies Private Limited reported revenue of ₹80.55 Cr (down 1% YoY) for FY 2025.
Revenue · FY 2025
₹80.55 Cr ▼ 1%
Net loss · FY 2025
₹19.91 Cr margin -24.7%
EBITDA · FY 2025
-₹15.6 Cr margin -19.4%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 1%
3 years · compounded
▲ 126%
EBITDA CAGR growth
1 year
▲ 10%
3 years · compounded
▼ 76%
Revenue fell 1% in the latest year, but over three years it has grown at a compounded annual rate (CAGR) of 126%. EBITDA rose 10% 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 | -₹15.6 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹19.91 Cr | ||||
| Balance Sheet | |||||
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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 | -19.4% | ||||
| Net Profit Margin | -24.7% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of Credilio Financial Technologies Private Limited, buy the company report.
Board of directors of Credilio Financial Technologies Private Limited
Credilio Financial Technologies has 7 current directors and 4 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Sandeep Bhimrao Ghule | Director | 24 Nov 2021 | 4 Years 11 Months | Current |
| Anand Bharat Kapadia | Director | 29 Aug 2020 | 6 Years 2 Months | Current |
| Aditya Gupta | Director | 28 Jul 2020 | 6 Years 3 Months | Current |
| Amit Kumar Gupta Also directs: Univision Venture Partners LLP | Director | 11 Mar 2022 | 4 Years 7 Months | Current |
| Vatsal Jasmin Bavishi | Director | 11 Mar 2022 | 4 Years 7 Months | Current |
| Shailesh Arvind Ghorpade | Director | 08 Sep 2025 | 1 Years 1 Months | Current |
Showing 6 of 7 current directors. View all directors
Auditor
Credilio Financial Technologies Private Limited is audited by Bathiya & Associates LLP for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Bathiya & Associates LLP | FY 2023 | 101046W |
Shareholding
The shareholding of Credilio Financial Technologies Private Limited is on record for 3 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 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Credilio Financial Technologies Private Limited, buy the company report.
Charges & borrowings
Open charges
₹16 Cr
Satisfied charges
₹12 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 07 Mar 2025 | 101099919 | Others | ₹6 Cr | Open | |
| 13 Nov 2024 | 101008090 | The Hongkong and Shanghai Banking Corporation Limited | ₹10 Cr | Open | |
| 09 Jun 2023 | 100836312 | Others | ₹4 Cr | Satisfied | |
| 09 Jun 2023 | 100848626 | Others | ₹2 Cr | Satisfied | |
| 09 Jun 2023 | 100870105 | Others | ₹4 Cr | Satisfied |
To see the full charge records of Credilio Financial Technologies Private Limited, buy the company report.
Total charge records: 6 View all charges
Deals & funding
Credilio Financial Technologies Private Limited has 11 deals on record (7 funding rounds, 2 secondary share transfers, 1 debt financing), with disclosed funding of ₹218.24 Cr; the latest was in April 2026.
Total deals
11
Funding rounds
7
Secondary share transfers
2
Debt financing
1
Convertible or debt financing
1
Disclosed funding
₹218.24 Cr
Deals on record (5 of 11)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Apr 2026 | Funding round · Series A | ₹100 Cr | Investors: Cornerstone Venture Partners Fund (CSVP Fund), Shepherd’s Hill Private Equity, ESV-Arthya AIF |
| Mar 2026 | Funding round · Series A | ₹29.99 Cr | Investors: Cornerstone Venture Partners Fund (CSVP Fund), Ashra Private Equity Fund |
| Jun 2023 | Debt financing | ₹12 Cr | Investors: InnoVen Capital, Alteria Capital |
| Mar 2022 | Funding round · Pre-Series A | ₹51.98 Cr | Investors: Cornerstone Venture Partners Fund (CSVP Fund), Exfinity Venture Partners, Parvati Resources Pvt Ltd , an individual |
| Nov 2021 | Secondary share transfer | Undisclosed | Buyer: 2 individuals Seller: an individual |
To see the full deal history of Credilio Financial Technologies Private Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Credilio Financial Technologies Private Limited has 7 court cases on record: 7 filed by Credilio Financial Technologies. 5 cases are pending and 2 are disposed.
Total cases
7
Filed by the company
7
Pending
5
Disposed
2
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 7 | 0 | 5 |
Cases on record (5 of 7)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Mumbai CMM Courts, Maharashtra | Court case (Summary Case) | Filed by the company against CGC Finserv Private Limited and 1 other | Pending |
| District court, Mumbai CMM Courts, Maharashtra | Court case (Summary Case) | Filed by the company against Manisai Digital Services | Pending |
| District court, Mumbai CMM Courts, Maharashtra | Court case (Summary Case) | Filed by the company against Chandan Group of Companies | Pending |
| District court, Mumbai CMM Courts, Maharashtra | Court case (Summary Case) | Filed by the company against M/S Manisai Digital Services | Disposed |
| District court, Mumbai CMM Courts, Maharashtra | Court case (SUMMARY CASE) | Filed by the company against Starling Enterprises | Disposed |
To see the full case history of Credilio Financial Technologies 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
Credilio Financial Technologies Private Limited has 3 MSME Form 1 returns on record between 2023 and 2024, listing 9 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 |
|---|---|---|---|
| Clevertap Private Limited | |||
| Signzy Technologies Private Limited | |||
| QRC Infosol Private Limited |
To see the full MSME payment records of Credilio Financial Technologies Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Credilio Financial Technologies Private Limited has a workforce of 152 employees on its EPFO records as of Apr 05, 2024, across 1 active EPFO establishment.
Employee count
152
Active EPFO establishments
1
Employee growth
32.17%
GST
Credilio Financial Technologies has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AAICC8500C1ZZ | Maharashtra | Active | 10 Aug 2020 |
To see the full GST registrations and return filing status of Credilio Financial Technologies Private Limited, buy the company report.
Recent activity
Credilio Financial Technologies Private Limited has 15 board changes on record since 2020: 11 appointments and 4 cessations. The latest: Shailesh Arvind Ghorpade was appointed as Director on 08 Sep 2025.
AGM
Credilio Financial Technologies Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Appointed
Shailesh Arvind Ghorpade was appointed as Director.
Ceased
Varsheel Deliwala ceased to be Nominee Director.
Charges
A charge registered on 09 Jun 2023 via Charge ID 100870105 with Others was fully satisfied on 08 Jul 2025.
Charges
A charge registered on 09 Jun 2023 via Charge ID 100836312 with Others was fully satisfied on 02 Jul 2025.
Charges
A charge with The Hongkong And Shanghai Banking Corporation Limited of Rs. 1,000.00 Lakh registered on 13 Nov 2024 with Charge ID 101008090 was modified on 24 May 2025.
Filing
Credilio Financial Technologies Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Mumbai.
Charges
A charge with Others amounted to Rs. 600.00 Lakh with Charge ID 101099919 was registered on 07 Mar 2025.
Charges
A charge with The Hongkong And Shanghai Banking Corporation Limited amounted to Rs. 1,000.00 Lakh with Charge ID 101008090 was registered on 13 Nov 2024.
Charges
A charge registered on 09 Jun 2023 via Charge ID 100848626 with Others was fully satisfied on 02 Aug 2024.
Appointed
Varsheel Deliwala was appointed as Nominee Director.
Charges
A charge registered on 09 Jun 2023 via Charge ID 100870106 with Others was fully satisfied on 29 Jul 2024.
17 earlier events are in the company report.
Frequently asked questions
Credilio Financial Technologies is an active private limited company based in Mumbai, Maharashtra, India. The company works in online financial services, within the internet industry. It was incorporated on 28 July 2020 (6+ years old) and is registered under CIN U72900MH2020PTC342791.
Credilio Financial Technologies has 7 current directors:
- Sandeep Bhimrao Ghule - Director
- Anand Bharat Kapadia - Director
- Aditya Gupta - Director
- Amit Kumar Gupta - Director
- Vatsal Jasmin Bavishi - Director
- Shailesh Arvind Ghorpade - Director
- Deepak Satish Agrawal - Director
The latest financial statements of Credilio Financial Technologies on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2021 are in the company report.
The GSTIN of Credilio Financial Technologies is 27AAICC8500C1ZZ, registered in Maharashtra.
The CIN (Corporate Identification Number) of Credilio Financial Technologies is U72900MH2020PTC342791. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Credilio Financial Technologies has 7 court cases on record: 7 filed by the company. 5 are pending.
Credilio Financial Technologies was incorporated on 28 July 2020, making it 6+ years old. It is registered with the Registrar of Companies, Mumbai.
Credilio Financial Technologies has 11 deals on record (7 funding rounds, 2 secondary share transfers, 1 debt financing), with disclosed funding of ₹218.24 Cr; the latest was in April 2026.
Shailesh Arvind Ghorpade was appointed as Director on 08 Sep 2025. Varsheel Deliwala ceased to be Nominee Director on 08 Sep 2025. Varsheel Deliwala was appointed as Nominee Director on 02 Aug 2024. Credilio Financial Technologies has 15 board changes on record in total.
Yes, Credilio Financial Technologies is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Yes, Credilio Financial Technologies is registered as a medium enterprise under Udyam registration (number: UDYAM-MH-19-0014045).