CTM Nidhi Limited
About CTM Nidhi Limited
Data last updated:
CTM Nidhi Limited is a nidhi company based in Chittur, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 28 August 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65990KL2021PLN070585.
The company has an authorised share capital of ₹30 Lakh and a paid-up capital of ₹28.32 Lakh. It is led by directors including Suma Ramadas (Managing Director) and Girijavallabhan.
Its last annual general meeting (AGM) was held on 26 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Chittur, Kerala.
As per the financials filed for FY 2025, the company reported a revenue of ₹14.55 Lakh, a growth of 24% compared to the previous year. For the same year it recorded a net loss of ₹18,250 (net margin -1.3%) and EBITDA of ₹4.31 Lakh (EBITDA margin 29.7%). Revenue has grown at a compounded annual rate (CAGR) of 395% over three years.
Court records list 33 cases involving the company, including 33 filed by the company; 24 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
CTM Nidhi Limited's registered office is in Chittur, Kerala. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered AddressDoor No. 3 76 – 1 Arangam Road Vaaniar Street, Nidhi Building Thathamangalam, Chittur, Kerala, India – 678102
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of CTM Nidhi 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
Business activity
The main business activity of CTM Nidhi 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 CTM Nidhi Limited, buy the company report.
Financials of CTM Nidhi Limited
FY 2025 filings availableCTM Nidhi Limited reported revenue of ₹14.55 Lakh (up 24% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 395% over three years, including 24% growth in the latest year. EBITDA fell 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 |
|---|---|---|---|---|
| Profit and Loss Statement | ||||
| Revenue from Operations | ||||
| Other Income | ||||
| Total Revenue | ||||
| Cost of Materials Consumed | ||||
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| Depreciation and Amortisation | ||||
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| Total Expenses | ||||
| EBITDA | ₹4.31 Lakh | |||
| Profit Before Tax | ||||
| Tax Expense | ||||
| Net Profit (PAT) | -₹18,250 | |||
| Balance Sheet | ||||
| Share Capital | ||||
| Reserves and Surplus | ||||
| Net Worth (Total Equity) | ||||
| Long-term Borrowings | ||||
| Short-term Borrowings | ||||
| Trade Payables | ||||
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| Inventories | ||||
| Trade Receivables | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Profitability | ||||
| EBITDA Margin | 29.7% | |||
| Net Profit Margin | -1.3% | |||
| Return on Equity (ROE) | ||||
| Return on Capital Employed (ROCE) | ||||
| Return on Assets (ROA) | ||||
| Liquidity and Debt | ||||
| Current Ratio | ||||
| Quick Ratio | ||||
| Debt-to-Equity Ratio | ||||
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| 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 CTM Nidhi Limited, buy the company report.
Board of directors of CTM Nidhi Limited
CTM Nidhi has 5 current directors and 9 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Girijavallabhan | Director | 28 Aug 2021 | 5 Years 2 Months | Current |
| Sankaradasan | Director | 28 Aug 2021 | 5 Years 2 Months | Current |
| Thayanoor Vasudevan Govindanunni | Director | 03 Mar 2022 | 4 Years 8 Months | Current |
| Syama Karisseri Parappooru | Director | 03 Mar 2022 | 4 Years 8 Months | Current |
| Suma Ramadas | Managing Director | 15 Jul 2024 | 2 Years 3 Months | Current |
Peer comparison
CTM Nidhi Limited is compared with the 8 companies closest to it by revenue in the BFSI industry (Micro Finance), 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 |
|---|---|---|---|---|---|---|
| Lotusnine Kuries Private Limited | ₹14.75 Lakh (FY 2025) | 2.0% | North Kuthiathode P O, Kerala, India | |||
| Lakshmi Prabha Chit Funds Private Limited | ₹14.67 Lakh (FY 2025) | -37.0% | Salem, Tamil Nadu, India | |||
| Vishwas Urban Multipurpose Nidhi Limited | ₹14.67 Lakh (FY 2024) | 2.0% | Ahmednagar, Maharashtra, India | |||
| Alpha Kuries Private Limited | ₹14.64 Lakh (FY 2025) | 0.0% | Thrissur, Kerala, India | |||
| Surag Chitties Pvt Ltd | ₹14.64 Lakh (FY 2025) | -8.0% | Thrissur, Kerala, India | |||
| CTM Nidhi Limitedthis company | ₹14.55 Lakh (FY 2025) | -₹18,250 | -1.3% | 24.0% | Chittur, Kerala, India | |
| Lokamaleswaram Kuries Private Limited | ₹14.53 Lakh (FY 2022) | -14.0% | Thrissur, Kerala, India | |||
| Shivabasava Chits Private Limited | ₹14.49 Lakh (FY 2022) | 4.0% | Bangalore, Karnataka, India | |||
| Chakravarthi Dhana Suraksha Nidhi Limited | ₹14.47 Lakh (FY 2025) | -40.0% | Ottappalam, Kerala, India |
To see the full peer comparison of CTM Nidhi Limited, buy the company report.
Auditor
CTM Nidhi Limited is audited by CA SUSHAMA SURIAN FCA for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| CA SUSHAMA SURIAN FCA | FY 2023 | 230703 |
Shareholding
The shareholding of CTM Nidhi Limited is on record for FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 |
|---|---|
| Promoters | |
| Domestic institutional investors (DII) | |
| Foreign institutional investors (FII) | |
| Public | |
| Others |
To see the full shareholding pattern of CTM Nidhi Limited, buy the company report.
Legal cases
CTM Nidhi Limited has 33 court cases on record: 33 filed by CTM Nidhi. 24 cases are pending and 9 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 32 | 0 | 23 |
| High courts | 1 | 0 | 1 |
Cases on record (5 of 33)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Palakkad, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Palakkad, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Palakkad, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Palakkad, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Palakkad, Kerala | Criminal case | Filed by the company against an individual | Pending |
To see the full case history of CTM Nidhi 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
No delayed payments to MSME suppliers are on our record for CTM Nidhi Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
CTM Nidhi Limited has 1 active EPFO establishment as of Mar 31, 2024.
GST
No GST registration is on our record for CTM Nidhi Limited; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
CTM Nidhi Limited has 23 board changes on record since 2021: 14 appointments and 9 cessations. The latest: Ananthan Biju ceased to be Managing Director on 21 Oct 2025.
14 earlier events are in the company report.
Frequently asked questions
CTM Nidhi is an active nidhi company based in Chittur, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 28 August 2021 (5+ years old) and is registered under CIN U65990KL2021PLN070585.
CTM Nidhi has 5 current directors:
- Suma Ramadas - Managing Director
- Girijavallabhan - Director
- Sankaradasan - Director
- Thayanoor Vasudevan Govindanunni - Director
- Syama Karisseri Parappooru - Director
The latest financial statements of CTM Nidhi on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 26 September 2025. Year-wise statements from FY 2022 are in the company report.
The CIN (Corporate Identification Number) of CTM Nidhi is U65990KL2021PLN070585. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
CTM Nidhi has 33 court cases on record: 33 filed by the company. 24 are pending. Most are in the district courts.
CTM Nidhi was incorporated on 28 August 2021, making it 5+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of CTM Nidhi by revenue are Lotusnine Kuries Private Limited, Lakshmi Prabha Chit Funds Private Limited, Vishwas Urban Multipurpose Nidhi Limited, Alpha Kuries Private Limited, Surag Chitties Pvt Ltd and 3 more, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Ananthan Biju ceased to be Managing Director on 21 Oct 2025. Muthu Ranganathan ceased to be Director on 21 Oct 2025. Suma Ramadas was appointed as Managing Director on 15 Jul 2024. CTM Nidhi has 23 board changes on record in total.
The registered office of CTM Nidhi is at Door No. 3 76 – 1 Arangam Road Vaaniar Street, Nidhi Building Thathamangalam, Chittur, Kerala, India – 678102.
CTM Nidhi operates in the financial services industry, in the microfinance institutions segment.
The compliance status of CTM Nidhi is compliant as of 16 August 2026. The company is actively filing with the Registrar of Companies.
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