About Credit Karma India Private Limited
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Credit Karma India Private Limited is a foreign private limited company based in Bangalore, Karnataka, India, a subsidiary of Zendrive Inc., Usa. It operates in the application development and software solutions segment of the technology and IT services sector. It was incorporated on 05 December 2013 and has been in existence for over 13 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U74900KA2013FTC072335. Its GSTIN is 29AAACZ7155N1ZK (Karnataka).
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Pankaj Risbood (Whole-Time Director) and Santhosh Kumar.
Its last annual general meeting (AGM) was held on 29 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Campus 4A Pritech Park, Bangalore, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹53.55 Cr, a growth of 4% compared to the previous year. For the same year it recorded a net loss of ₹15.93 Cr (net margin -29.7%) and EBITDA of -₹12.74 Cr (EBITDA margin -23.8%). Revenue has grown at a compounded annual rate (CAGR) of 5% over three years and 6% over five years.
The company has about 48 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Zendrive.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website zendrive.com.
Company details
Contact details
Credit Karma India Private Limited's registered office is in Bangalore, Karnataka. Its website is zendrive.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressCampus 4A Pritech Park (Ecospace) Floor 4, Outer Ring Road Bellandur Village, Bangalore, Karnataka, India – 560103
- IndustryInformation Technology, Application Development & Software Solutions
To see the full contact details of Credit Karma India 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
Credit Karma India operates one associated brand: Zendrive. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| AI-enabled platform offering driver behavior monitoring and analysis solutions | zendrive.com |
Business activity
The main business activity of Credit Karma India is information and communication. In detail, this covers publishing of computer operating systems, system software, application software, games, etc..
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| J | Information and communication | J2 | Publishing of computer operating systems, system software, application software, games, etc. |
To see the full business activity and turnover split of Credit Karma India Private Limited, buy the company report.
Financials of Credit Karma India Private Limited
FY 2025 filings availableCredit Karma India Private Limited reported revenue of ₹53.55 Cr (up 4% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 6% over five years, including 4% growth in the latest year. EBITDA fell 252% 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 | -₹12.74 Cr | ||||
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| Net Profit (PAT) | -₹15.93 Cr | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| Profitability | |||||
| EBITDA Margin | -23.8% | ||||
| Net Profit Margin | -29.7% | ||||
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To see the full financial statements and ratios of Credit Karma India Private Limited, buy the company report.
Board of directors of Credit Karma India Private Limited
Credit Karma India has 4 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Pankaj Risbood | Whole-Time Director | 05 Dec 2013 | 12 Years 11 Months | Current |
| Santhosh Kumar Also directs: Intuit India Product Development Centre Private Limited | Director | 11 Jul 2024 | 2 Years 4 Months | Current |
| Gavin Anthony Buckley Also directs: Intuit India Product Development Centre Private Limited | Additional Director | 20 Aug 2025 | 1 Years 2 Months | Current |
| Tyler Ralph Cozzens | Additional Director | 20 Aug 2025 | 1 Years 2 Months | Current |
Auditor
Credit Karma India Private Limited is audited by VISHNU DAYA & CO. LLP for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| VISHNU DAYA & CO. LLP | FY 2023 | 008456S/S200092 |
Shareholding
The shareholding of Credit Karma India 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 Credit Karma India Private Limited, buy the company report.
Legal cases
No court or tribunal cases involving Credit Karma India Private 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
Credit Karma India Private Limited has 1 MSME Form 1 return on record for the period ending Sep 2021, listing 1 overdue payment 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 |
|---|---|---|---|
| Arav Systems Private Limited |
To see the full MSME payment records of Credit Karma India Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Credit Karma India Private Limited has a workforce of 48 employees on its EPFO records as of May 2026.
Headcount by financial year
| Financial year | Employees (EPFO) |
|---|---|
| FY 2026-27 | 48 |
| FY 2025-26 | |
| FY 2024-25 | |
| FY 2023-24 | |
| FY 2022-23 | |
| FY 2021-22 | |
| FY 2020-21 | |
| FY 2019-20 | |
| FY 2018-19 | |
| FY 2017-18 | |
| FY 2016-17 |
To see the full employee and EPFO history of Credit Karma India Private Limited, buy the company report.
GST
Credit Karma India has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAACZ7155N1ZK | Karnataka | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Credit Karma India Private Limited, buy the company report.
Recent activity
Credit Karma India Private Limited has 7 board changes on record since 2013: 4 appointments and 3 cessations. The latest: Gavin Anthony Buckley was appointed as Additional Director on 20 Aug 2025.
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Frequently asked questions
Credit Karma India is an active foreign private limited company based in Bangalore, Karnataka, India. The company works in application development and software solutions, within the information technology industry. It was incorporated on 05 December 2013 (13+ years old) and is registered under CIN U74900KA2013FTC072335.
Credit Karma India has 4 current directors:
- Pankaj Risbood - Whole-Time Director
- Santhosh Kumar - Director
- Gavin Anthony Buckley - Additional Director
- Tyler Ralph Cozzens - Additional Director
The latest financial statements of Credit Karma India on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 29 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Credit Karma India is 29AAACZ7155N1ZK, registered in Karnataka.
The CIN (Corporate Identification Number) of Credit Karma India is U74900KA2013FTC072335. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Credit Karma India was incorporated on 05 December 2013, making it 13+ years old. It is registered with the Registrar of Companies, Bangalore.
Gavin Anthony Buckley was appointed as Additional Director on 20 Aug 2025. Tyler Ralph Cozzens was appointed as Additional Director on 20 Aug 2025. Jonathan Arie Matus ceased to be Director on 11 Jul 2024. Credit Karma India has 7 board changes on record in total.
Credit Karma India has 1 MSME Form 1 return on record for the period ending Sep 2021, listing 1 overdue payment to 1 micro and small supplier. The latest return was filed on 30 Oct 2021.
Credit Karma India can be reached through the website zendrive.com. Its registered office is in Bangalore, Karnataka, India.
The registered office of Credit Karma India is at Campus 4A Pritech Park Ecospace Floor 4, Outer Ring Road Bellandur Village, Bangalore, Karnataka, India – 560103.
Credit Karma India operates in the information technology industry, in the application development and software solutions segment.
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