MSME (Udyam registered) Ministry of MSME
- Category
- Medium (2024-25)
- Udyam number
- UDYAM-MH-19-0001704
Credit Wise Capital Private Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹117.45 Cr
▲ 21% YoY
Net profit · FY 2025
₹4.49 Cr
Net margin 3.8%
EBITDA · FY 2025
₹38.02 Cr
EBITDA margin 32.4%
Authorised capital
₹95.63 Cr
Registered with MCA
Paid-up capital
₹89.34 Cr
Issued & subscribed
Open charges
₹754.43 Cr
Satisfied ₹457.95 Cr
Company age
8 yrs
Est. 2018
Employees · EPFO
565
Provident fund records
About Credit Wise Capital Private Limited
Data last updated:
Credit Wise Capital Private Limited is a private limited company based in Mumbai, Maharashtra, India. It operates in the asset financing companies segment of the financial services sector. It was incorporated on 08 March 2018 and has been in existence for over 8 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U65999MH2018PTC306086. Its GSTIN is 27AAHCC4445P1Z5 (Maharashtra).
The company has an authorised share capital of ₹95.63 Cr and a paid-up capital of ₹89.34 Cr. It is led by directors including Gurpreet Singh Sodhi and Soumya Jain.
Its last annual general meeting (AGM) was held on 27 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at C 46 – 48 4th Floor Paragon Centre Pandurang Budhkar Marg Worli, Mumbai, Maharashtra, India – 400013.
As per the financials filed for FY 2025, the company reported a revenue of ₹117.45 Cr, a growth of 21% compared to the previous year. For the same year it recorded a net profit of ₹4.49 Cr (net margin 3.8%) and EBITDA of ₹38.02 Cr (EBITDA margin 32.4%). Revenue has grown at a compounded annual rate (CAGR) of 62% over three years and 64% over five years.
The company has about 565 employees on its provident fund (EPFO) records. Its group structure includes 2 subsidiaries.
The company is associated with 1 brand: CreditWise Capital. As per MCA filings, the company has open charges of ₹754.43 Cr and satisfied charges of ₹457.95 Cr on record. Court records list 1,078 cases involving the company, including 1,068 filed by the company and 10 filed against it; 867 cases are pending. The company has 27 deals on record (9 secondary share transfers, 8 rights issues, 5 debt financings), with disclosed funding of ₹180.11 Cr; the latest was in April 2026. Its 8 peer companies in the BFSI industry (Asset Financing Companies, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 5 larger and 3 smaller; the largest is Jalan Chemical Industries Pvt Ltd with revenue of ₹129.78 Cr. The company has 1 MSME Form 1 return on record for the period ending Mar 2024, listing 1 overdue payment to 1 micro and small supplier.
Credit Wise Capital Private Limited is registered as a medium enterprise under the Udyam registration framework (Reg. No. UDYAM-MH-19-0001704). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website creditwisecapital.com.
Company details
CIN U65999MH2018PTC306086
Registration Number 306086
Incorporation Date 08 March 2018
ROC Mumbai
Listing Status Unlisted
Company Status Active
Date of Last AGM 27 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Medium
Udyam Registration UDYAM-MH-19-0001704
Recognitions & Rankings of Credit Wise Capital
Contact details
Credit Wise Capital Private Limited's registered office is in Mumbai, Maharashtra. Its website is creditwisecapital.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Apps
- Registered AddressC 46 – 48 4th Floor Paragon Centre Pandurang Budhkar Marg Worli, Mumbai, Maharashtra, India – 400013
- IndustryFinancial Services, Asset Financing Companies, NBFC, Investment & Credit NBFC
To see the full contact details of Credit Wise Capital Private Limited, buy the company report.
Comprehensive company report
Credit Wise Capital 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
Credit Wise Capital operates one associated brand: CreditWise Capital. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provider of loans and vehicle-related services via digital platforms | creditwisecapital.com |
Business activity
The main business activity of Credit Wise Capital 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 Credit Wise Capital Private Limited, buy the company report.
Financials of Credit Wise Capital Private Limited
FY 2025 filings availableCredit Wise Capital Private Limited reported revenue of ₹117.45 Cr (up 21% YoY) for FY 2025.
Revenue · FY 2025
₹117.45 Cr ▲ 21%
Net profit · FY 2025
₹4.49 Cr margin 3.8%
EBITDA · FY 2025
₹38.02 Cr margin 32.4%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 21%
3 years · compounded
▲ 62%
5 years · compounded
▲ 64%
EBITDA CAGR growth
1 year
▲ 16%
3 years · compounded
▲ 64%
5 years · compounded
▲ 81%
Revenue has grown at a compounded annual rate (CAGR) of 64% over five years, including 21% growth in the latest year. EBITDA rose 16% 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 | ₹117.45 Cr | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹38.02 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹4.49 Cr | ||||
| 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 | 32.4% | ||||
| Net Profit Margin | 3.8% | ||||
| 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 Credit Wise Capital Private Limited, buy the company report.
Board of directors and KMP of Credit Wise Capital Private Limited
Credit Wise Capital Private Limited currently reports 6 directors and 1 key managerial person. 6 former directors have served the organization.
Current Directors and KMP
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Gurpreet Singh Sodhi Also directs: Analyticsfox Softwares Private Limited | Director | 28 Nov 2022 | 3 Years 11 Months | Current |
| Soumya Jain | Director | 08 Mar 2018 | 8 Years 7 Months | Current |
| Aalesh Piyush Avlani Also directs: Lazr Ventures LLP, Analyticsfox Softwares Private Limited | Director | 22 Dec 2020 | 5 Years 10 Months | Current |
| Nathmal Golecha Alias Jain | Director | 22 Dec 2020 | 5 Years 10 Months | Current |
| Atul Gupta | Nominee Director | 07 Aug 2025 | 1 Years 2 Months | Current |
| Bhavika Dhansukh Gohil | Company Secretary | 25 Jul 2025 | 1 Years 3 Months | Current |
Showing 6 of 7 current directors and KMP. View all directors and KMP
Peer comparison
Credit Wise Capital Private Limited is compared with the 8 companies closest to it by revenue in the BFSI industry (Asset Financing Companies, 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 |
|---|---|---|---|---|---|---|
| Jalan Chemical Industries Pvt Ltd | ₹129.78 Cr (FY 2022) | -42.0% | West Bengal, India | |||
| A T Invofin India Private Limited | ₹129.47 Cr (FY 2025) | -28.0% | New Delhi, Delhi, India | |||
| Af-Taab Investment Company Limited | ₹128.39 Cr (FY 2018) | -32.0% | Mumbai, Maharashtra, India | |||
| Moneyboxx Finance Limited | ₹127.96 Cr (FY 2024) | 154.0% | New Delhi, Delhi, India | |||
| Avonmore Capital & Management Services Limited | ₹127.29 Cr (FY 2024) | -41.0% | Mumbai, Maharashtra, India | |||
| Mackmorn Commodities Pvt.Ltd. | ₹125.95 Cr (FY 2025) | 29.0% | Kolkata, West Bengal, India | |||
| Navachetana Microfin Services Private Limited | ₹125.67 Cr (FY 2025) | -14.0% | Haveri, Karnataka, India | |||
| Aryavrat Financial Services Private Limited | ₹124.95 Cr (FY 2025) | 31.0% | Kolkata, West Bengal, India | |||
| Credit Wise Capital Private Limitedthis company | ₹117.45 Cr (FY 2025) | ₹4.49 Cr | 3.8% | 21.0% | 565 | Mumbai, Maharashtra, India |
To see the full peer comparison of Credit Wise Capital Private Limited, buy the company report.
Auditor
Credit Wise Capital Private Limited is audited by Shaparia & Mehta Associates LLP for the financial year 2024.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Shaparia & Mehta Associates LLP | FY 2024 | 0112350W |
Shareholding
The shareholding of Credit Wise Capital Private Limited is on record for 5 financial years, the latest being FY 2025, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2025 | FY 2024 | FY 2023 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Credit Wise Capital Private Limited, buy the company report.
Charges & borrowings
Open charges
₹754.43 Cr
Satisfied charges
₹457.95 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 23 Apr 2026 | 101292654 | Others | ₹50 Cr | Open | |
| 27 Mar 2026 | 101285471 | Others | ₹25 Cr | Open | |
| 18 Feb 2026 | 101254550 | Others | ₹25 Cr | Open | |
| 02 Feb 2026 | 101233810 | Yes Bank Limited | ₹30 Cr | Open | |
| 30 Dec 2025 | 101214034 | Others | ₹51 Cr | Open |
To see the full charge records of Credit Wise Capital Private Limited, buy the company report.
Total charge records: 117 View all charges
Deals & funding
Credit Wise Capital Private Limited has 27 deals on record (9 secondary share transfers, 8 rights issues, 5 debt financings), with disclosed funding of ₹180.11 Cr; the latest was in April 2026.
Total deals
27
Secondary share transfers
9
Rights issues
8
Debt financings
5
Funding rounds
3
Disclosed funding
₹180.11 Cr
Deals on record (5 of 27)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Apr 2026 | Debt financing | ₹50 Cr | Investors: Manba Finance Limited , Ambium Finserve Limited , Incred Financial Services Limited |
| Jun 2025 | Rights issue | ₹3.26 Cr | Investors: Pradeep Kumar Bothra & Sons (HUF), 3 individuals |
| Nov 2023 | Rights issue | ₹21.9 Cr | Investors: Pradeep Kumar Bothra & Sons (HUF), 3 individuals |
| Mar 2023 | Debt financing | ₹3.5 Cr | Investors: We Founder Circle, Ess Gee Real Estate Developers Private Limited , Chanvim Plastics Private Limited |
| Mar 2023 | Secondary share transfer | Undisclosed | Buyer: 3 individuals Seller: Finworld Management LLP , Knockta Dealcomm Private Limited, an individual |
To see the full deal history of Credit Wise Capital 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
Credit Wise Capital Private Limited has 1,078 court cases on record: 1,068 filed by Credit Wise Capital, 10 filed against it. 867 cases are pending and 211 are disposed.
Total cases
1,078
Filed by the company
1,068
Filed against the company
10
Pending
867
Disposed
211
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,077 | 10 | 866 |
| High courts | 1 | 0 | 1 |
Cases on record (5 of 1,078)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Karnal, Haryana | Arbitration matter | Filed by the company against Aditya Enterprises Through Prop Ritu Singh | Disposed |
| District court, Dhanbad, Jharkhand | Criminal complaint | Filed against the company by an individual | Pending |
| District court, Karnal, Haryana | Cheque dishonour complaint | Filed by the company against an individual | Pending |
| District court, Karnal, Haryana | Commercial suit | Filed by the company against an individual | Pending |
| District court, Karnal, Haryana | Cheque dishonour complaint | Filed by the company against an individual | Pending |
To see the full case history of Credit Wise Capital 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.
Credit ratings & regulatory alerts
Credit Wise Capital Private Limited was last rated by Care on 08 Jul 2022.
| Rating agency | Rated on | Rating |
|---|---|---|
| Care | 08 Jul 2022 |
To see the full credit ratings and regulatory alerts of Credit Wise Capital Private Limited, buy the company report.
MSME payment delays
Credit Wise Capital Private Limited has 1 MSME Form 1 return on record for the period ending Mar 2024, 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 |
|---|---|---|---|
| Veritas Reputation PR Private Limited |
To see the full MSME payment records of Credit Wise Capital Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
Credit Wise Capital has 2 subsidiary companies. This group structure data is as of FY 2025. The table lists each entity with its relationship and holding.
2
Subsidiary companies
Key subsidiaries
| Company Name | CIN | Shares held |
|---|---|---|
| Collect Pro Private Limited | U67100MH2019PTC330162 | |
| Analyticsfox Softwares Private Limited | U72900MH2015PTC270486 |
To see the full group structure of Credit Wise Capital Private Limited, buy the company report.
Employees & EPFO
Credit Wise Capital Private Limited has a workforce of 565 employees on its EPFO records as of Oct 09, 2025, across 1 active EPFO establishment.
Employee count
565
Active EPFO establishments
1
Employee growth
14.84%
GST
Credit Wise Capital has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AAHCC4445P1Z5 | Maharashtra | Active | 17 Apr 2018 |
To see the full GST registrations and return filing status of Credit Wise Capital Private Limited, buy the company report.
Recent activity
Credit Wise Capital Private Limited has 15 board changes on record since 2018: 11 appointments and 4 cessations. The latest: Atul Gupta was appointed as Nominee Director on 07 Aug 2025.
Charges
A charge with Others amounted to Rs. 50.00 Cr with Charge ID 101292654 was registered on 23 Apr 2026.
Charges
A charge registered on 30 Mar 2023 via Charge ID 100700627 with Others was fully satisfied on 15 Apr 2026.
Charges
A charge registered on 27 Jan 2023 via Charge ID 100677814 with Sbicap Trustee Company Limited was fully satisfied on 02 Apr 2026.
Charges
A charge with Others amounted to Rs. 25.00 Cr with Charge ID 101285471 was registered on 27 Mar 2026.
Charges
A charge registered on 28 Jun 2023 via Charge ID 100748822 with Others was fully satisfied on 06 Mar 2026.
Charges
A charge with Others amounted to Rs. 25.00 Cr with Charge ID 101254550 was registered on 18 Feb 2026.
Charges
A charge with Yes Bank Limited amounted to Rs. 30.00 Cr with Charge ID 101233810 was registered on 02 Feb 2026.
Charges
A charge with Others amounted to Rs. 51.00 Cr with Charge ID 101214034 was registered on 30 Dec 2025.
Charges
A charge with Sbicap Trustee Company Limited amounted to Rs. 49.43 Cr with Charge ID 101220234 was registered on 26 Dec 2025.
Charges
A charge registered on 29 Nov 2022 via Charge ID 100648548 with Others was fully satisfied on 20 Dec 2025.
Charges
A charge with Others amounted to Rs. 20.00 Cr with Charge ID 101194621 was registered on 28 Nov 2025.
Charges
A charge registered on 30 Mar 2023 via Charge ID 100700647 with Others was fully satisfied on 17 Nov 2025.
201 earlier events are in the company report.
News
Frequently asked questions
Credit Wise Capital is an active private limited company based in Mumbai, Maharashtra, India. The company works in asset financing companies, within the financial services industry. It was incorporated on 08 March 2018 (8+ years old) and is registered under CIN U65999MH2018PTC306086.
Credit Wise Capital has 7 current directors and KMP:
- Gurpreet Singh Sodhi - Director
- Soumya Jain - Director
- Aalesh Piyush Avlani - Director
- Nathmal Golecha Alias Jain - Director
- Atul Gupta - Nominee Director
- Amit Kaushik Doshi - Director
- Bhavika Dhansukh Gohil - Company Secretary
The latest financial statements of Credit Wise Capital on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 27 September 2025. Year-wise statements from FY 2018 are in the company report.
The GSTIN of Credit Wise Capital is 27AAHCC4445P1Z5, registered in Maharashtra.
The CIN (Corporate Identification Number) of Credit Wise Capital is U65999MH2018PTC306086. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Credit Wise Capital has 1,078 court cases on record: 1,068 filed by the company and 10 filed against it. 867 are pending. Most are in the district courts.
Credit Wise Capital was incorporated on 08 March 2018, making it 8+ years old. It is registered with the Registrar of Companies, Mumbai.
Credit Wise Capital has 27 deals on record (9 secondary share transfers, 8 rights issues, 5 debt financings), with disclosed funding of ₹180.11 Cr; the latest was in April 2026.
The peers of Credit Wise Capital by revenue are Jalan Chemical Industries Pvt Ltd, A T Invofin India Private Limited, Af-Taab Investment Company Limited, Moneyboxx Finance Limited, Avonmore Capital & Management Services Limited and 3 more, all in the BFSI industry (Asset Financing Companies, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Atul Gupta was appointed as Nominee Director on 07 Aug 2025. Bhavika Dhansukh Gohil was appointed as Company Secretary on 25 Jul 2025. Arvind Sadashiv Mokashi ceased to be Director on 07 Apr 2025. Credit Wise Capital has 15 board changes on record in total.
Yes, Credit Wise Capital is registered as a medium enterprise under Udyam registration (number: UDYAM-MH-19-0001704).
Credit Wise Capital has 1 MSME Form 1 return on record for the period ending Mar 2024, listing 1 overdue payment to 1 micro and small supplier. The latest return was filed on 23 Apr 2024.
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