DPIIT recognised startup Government of India
Startup India
Credmate Fintech Private Limited - information technology in Ludhiana, Punjab, India. Directors, charges & compliance details.
Revenue · FY 2024
₹9.22 Lakh
▼ 3% YoY
Net loss · FY 2024
₹3 Lakh
Net margin -32.6%
EBITDA · FY 2024
-₹1.13 Lakh
EBITDA margin -12.2%
Authorised capital
₹15 Lakh
Registered with MCA
Paid-up capital
₹1 Lakh
Issued & subscribed
Company age
5 yrs
Est. 2021
Directors on board
2
As per MCA filings
Brands
1
Associated brands
About Credmate Fintech Private Limited
Data last updated:
Credmate Fintech Private Limited is a private limited company based in Ludhiana, Punjab, India, recognised as a startup by DPIIT. It operates in the IT consulting and support services segment of the technology and IT services sector. It was incorporated on 26 September 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Chandigarh, under CIN U72900PB2021PTC054328.
The company has an authorised share capital of ₹15 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Gaurav Sharma (Managing Director) and Gaurav Kundra (Whole-Time Director).
Its last annual general meeting (AGM) was held on 30 September 2024, and its latest financial statements are for the year ended 31 March 2024. The registered office is at 67 Panchsheel Enclave Threeke, Ludhiana, Punjab, India – 142021.
As per the financials filed for FY 2024, the company reported a revenue of ₹9.22 Lakh, a decline of 3% compared to the previous year. For the same year it recorded a net loss of ₹3 Lakh (net margin -32.6%) and EBITDA of -₹1.13 Lakh (EBITDA margin -12.2%).
The company is associated with 1 brand: CredMate. The company has 1 deal on record (1 secondary share transfer); the latest was in November 2021. Its 10 peer companies in the Manufacturing industry (Fintech, Security Products) are compared by revenue, 5 larger and 5 smaller; the largest is Upmarket Fintech Solutions India Private Limited with revenue of ₹9.54 Lakh.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website credmate.in.
Company details
CIN U72900PB2021PTC054328
Registration Number 054328
Incorporation Date 26 September 2021
ROC Chandigarh
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2024
Date of Balance Sheet 31 March 2024
Compliance Status Active Compliant
DPIIT Recognition Recognised Startup
Recognitions & Rankings of Credmate Fintech
Contact details
Credmate Fintech Private Limited's registered office is in Ludhiana, Punjab.
- Registered Address67 Panchsheel Enclave Threeke, Ludhiana, Punjab, India – 142021
- IndustryInformation Technology, IT Consulting & Support Services
Comprehensive company report
Credmate Fintech 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
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included
Brands
Credmate Fintech operates one associated brand: CredMate. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Develops specialized software for credit score assessment. | credmate.in |
Financials of Credmate Fintech Private Limited
FY 2024 filings availableCredmate Fintech Private Limited reported revenue of ₹9.22 Lakh (down 3% YoY) for FY 2024.
Revenue · FY 2024
₹9.22 Lakh ▼ 3%
Net loss · FY 2024
₹3 Lakh margin -32.6%
EBITDA · FY 2024
-₹1.13 Lakh margin -12.2%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 3%
EBITDA CAGR growth
1 year
▲ 88%
Revenue fell 3% in the latest year. EBITDA rose 88% in the latest year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|
| Profit and Loss Statement | |||
| Revenue from Operations | |||
| Other Income | |||
| Total Revenue | |||
| Cost of Materials Consumed | |||
| Employee Benefit Expense | |||
| Finance Costs | |||
| Depreciation and Amortisation | |||
| Other Expenses | |||
| Total Expenses | |||
| EBITDA | -₹1.13 Lakh | ||
| Profit Before Tax | |||
| Tax Expense | |||
| Net Profit (PAT) | -₹3 Lakh | ||
| 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 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|
| Profitability | |||
| EBITDA Margin | -12.2% | ||
| Net Profit Margin | -32.6% | ||
| 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 Credmate Fintech Private Limited, buy the company report.
Board of directors of Credmate Fintech Private Limited
Credmate Fintech has 2 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Gaurav Kundra | Whole-Time Director | 26 Sep 2021 | 5 Years 1 Months | Current |
| Gaurav Sharma Also directs: Videolytical Systems Private Limited | Managing Director | 26 Sep 2021 | 5 Years 1 Months | Current |
Peer comparison
Credmate Fintech Private Limited is compared with the 10 companies closest to it by revenue in the Manufacturing industry (Fintech, Security Products), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Upmarket Fintech Solutions India Private Limited | ₹9.54 Lakh (FY 2022) | Pune, Maharashtra, India | ||||
| Hedgerock Fintech Private Limited | ₹9.45 Lakh (FY 2025) | 115.0% | Bangalore, Karnataka, India | |||
| Kredue Fintech Private Limited | ₹9.34 Lakh (FY 2024) | 49.0% | Chennai, Tamil Nadu, India | |||
| Link Fintech Private Limited | ₹9.3 Lakh (FY 2025) | 4.0% | New Delhi, Delhi, India | |||
| Edsom Fintech Private Limited | ₹9.23 Lakh (FY 2024) | 2077.0% | Pune, Maharashtra, India | |||
| Credmate Fintech Private Limitedthis company | ₹9.22 Lakh (FY 2024) | -₹3 Lakh | -32.6% | -3.0% | Ludhiana, Punjab, India | |
| Novaglow Fintech India Private Limited | ₹9.04 Lakh (FY 2024) | Noida, Uttar Pradesh, India | ||||
| Smart Sensors and Transducers Private Limited | ₹9.03 Lakh (FY 2025) | -43.0% | Mumbai-400031 Wef.28.02.04, Maharashtra, India | |||
| Kellog Grocery Suppliers Private Limited | ₹9 Lakh (FY 2025) | 18.0% | Mumbai, Maharashtra, India | |||
| Dewan International Private Limited | ₹8.93 Lakh (FY 2025) | 447.0% | New Delhi, Delhi, India | |||
| Acemanbas Fintech Private Limited | ₹8.93 Lakh (FY 2025) | -21.0% | Coimbatore, Tamil Nadu, India |
To see the full peer comparison of Credmate Fintech Private Limited, buy the company report.
Deals & funding
Credmate Fintech Private Limited has 1 deal on record (1 secondary share transfer); the latest was in November 2021.
Total deals
1
Secondary share transfer
1
Deals on record (1 of 1)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Nov 2021 | Secondary share transfer | Undisclosed | Buyer: Bada Business Traininas Private Limited, an individual Seller: 2 individuals |
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
No court or tribunal cases involving Credmate Fintech 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
No delayed payments to MSME suppliers are on our record for Credmate Fintech Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Credmate Fintech Private Limited; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Credmate Fintech Private Limited has 4 board changes on record since 2021: 2 appointments and 2 cessations. The latest: Gaurav Kundra ceased to be Director on 08 Nov 2021.
AGM
Credmate Fintech Private Limited last Annual general meeting of members was held on 30 Sep 2024 as per latest MCA records.
Filing
Credmate Fintech Private Limited has filed its annual Financial statements for the year ended 31 Mar 2024 with Roc Chandigarh.
Ceased
Gaurav Kundra ceased to be Director.
Ceased
Gaurav Sharma ceased to be Director.
Appointed
Gaurav Kundra was appointed as Whole-Time Director.
Appointed
Gaurav Sharma was appointed as Managing Director.
Incorporation
26 Sep 2021
Credmate Fintech Private Limited was registered on 26 Sep 2021 with Roc Chandigarh & aged 5 years 1 month as per MCA records.
Frequently asked questions
Credmate Fintech is an active private limited company based in Ludhiana, Punjab, India. The company works in IT consulting and support services, within the information technology industry. It was incorporated on 26 September 2021 (5+ years old) and is registered under CIN U72900PB2021PTC054328.
Credmate Fintech has 2 current directors:
- Gaurav Sharma - Managing Director
- Gaurav Kundra - Whole-Time Director
The latest financial statements of Credmate Fintech on record with the MCA are for the year ended 31 March 2024. Its last annual general meeting was held on 30 September 2024. Year-wise statements from FY 2022 are in the company report.
The CIN (Corporate Identification Number) of Credmate Fintech is U72900PB2021PTC054328. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Credmate Fintech was incorporated on 26 September 2021, making it 5+ years old. It is registered with the Registrar of Companies, Chandigarh.
Credmate Fintech has 1 deal on record (1 secondary share transfer); the latest was in November 2021.
The peers of Credmate Fintech by revenue are Upmarket Fintech Solutions India Private Limited, Hedgerock Fintech Private Limited, Kredue Fintech Private Limited, Link Fintech Private Limited, Edsom Fintech Private Limited and 5 more, all in the Manufacturing industry (Fintech, Security Products).
Gaurav Kundra ceased to be Director on 08 Nov 2021. Gaurav Sharma ceased to be Director on 08 Nov 2021. Gaurav Kundra was appointed as Whole-Time Director on 26 Sep 2021. Credmate Fintech has 4 board changes on record in total.
Yes, Credmate Fintech is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Credmate Fintech can be reached through the website credmate.in. Its registered office is in Ludhiana, Punjab, India.
The registered office of Credmate Fintech is at 67 Panchsheel Enclave Threeke, Ludhiana, Punjab, India – 142021.
Sample company reports
The same report you get when you buy one: financials, directors, ownership, deals, charges, legal cases, brands and filings, with the Excel workbook alongside.
Swiggy Limited Listed company · 92 pages
BharatPe (Resilient Innovations Pvt Ltd) Unlisted company · 78 pages