Druki Micro Credit Foundation
About Druki Micro Credit Foundation
Data last updated:
Druki Micro Credit Foundation is a private not for profit company based in Gorakhpur, Uttar Pradesh, India. It operates in the financial intermediation and lending segment of the financial services sector. It was incorporated on 11 July 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U65999UP2017NPL094874.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh. It is led by directors including Ram Murat and Ram Surat.
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 Bhghar Ropan Sharma Baritola, Gorakhpur, Uttar Pradesh, India – 273201.
As per the financials filed for FY 2025, the company reported a revenue of ₹3.45 Lakh, a growth of 11% compared to the previous year. For the same year it recorded a net profit of ₹1,500 (net margin 0.4%) and EBITDA of ₹1,500 (EBITDA margin 0.4%). Revenue has grown at a compounded annual rate (CAGR) of 24% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressBhghar Ropan Sharma Baritola, Gorakhpur, Uttar Pradesh, India – 273201
- IndustryFinancial Services, Other Financial Intermediation
- 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
- One PDF report, delivered after checkout
Business Activity of Druki Micro Credit Foundation
The main business activity of Druki Micro Credit Foundation is financial and insurance service. In detail, this covers other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Druki Micro Credit Foundation FY 2025 filings available
Druki Micro Credit Foundation reported revenue of ₹3.45 Lakh (up 11% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Druki Micro Credit Foundation
Revenue has grown at a compounded annual rate (CAGR) of 24% over three years, including 11% growth in the latest year. EBITDA rose 200% 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 of Druki Micro Credit Foundation
| 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 | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹1,500 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹1,500 | •••• | •••• | •••• | •••• |
| 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 of Druki Micro Credit Foundation
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 0.4% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 0.4% | •••• | •••• | •••• | •••• |
| 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 | •••• | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Druki Micro Credit Foundation are in the company report.
Financial statements from FY 2018
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Peer Comparison of Druki Micro Credit Foundation
Druki Micro Credit Foundation is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Rani Channamma Chits Gadag Private Limited | ₹3.46 Lakh (FY 2023) | •••• | •••• | -18.0% | •••• | Gadag, Karnataka, India |
| Bahar Distributors Pvt Ltd | ₹3.46 Lakh (FY 2021) | •••• | •••• | 1.0% | •••• | Kolkata, West Bengal, India |
| Grihastha Services Foundation | ₹3.45 Lakh (FY 2023) | •••• | •••• | •••• | New Delhi, Delhi, India | |
| Avon Real Estate Limited | ₹3.45 Lakh (FY 2025) | •••• | •••• | -30.0% | •••• | Ahmedabad, Gujarat, India |
| Fargo Chits Private Limited | ₹3.45 Lakh (FY 2019) | •••• | •••• | -32.0% | •••• | Thrissur, Kerala, India |
| Druki Micro Credit Foundation this company | ₹3.45 Lakh (FY 2025) | •••• | •••• | 11.0% | •••• | Gorakhpur, Uttar Pradesh, India |
| Harshil Estates Private Limited | ₹3.45 Lakh (FY 2025) | •••• | •••• | -27.0% | •••• | Indore, Madhya Pradesh, India |
| Oceanic Financial Services Private Limited | ₹3.45 Lakh (FY 2024) | •••• | •••• | -6.0% | •••• | Chandigarh, India |
| Jatra Bhartiya Nidhi Limited | ₹3.44 Lakh (FY 2025) | •••• | •••• | 5.0% | •••• | Madhubani, Bihar, India |
| Color Printing & Hollow Wares Ltd | ₹3.44 Lakh (FY 2024) | •••• | •••• | 51.0% | •••• | Kolkata, West Bengal, India |
| Meghraj Financial Consultants Private Limited | ₹3.44 Lakh (FY 2024) | •••• | •••• | -74.0% | •••• | Mumbai, Maharashtra, India |
Peers are the five companies nearest above and the five nearest below Druki Micro Credit Foundation by revenue in the same principal business activity (Other financial activities), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Board of Directors of Druki Micro Credit Foundation
Druki Micro Credit Foundation has 3 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ram Murat | Director | 14 Jun 2018 | 8 Years 3 Months | Current |
| Ram Surat Also directs: Wallssky Interior Private Limited | Director | 11 Jul 2017 | 9 Years 2 Months | Current |
| Chhote Lal | Director | 11 Jul 2017 | 9 Years 2 Months | Current |
Ownership and Shareholding of Druki Micro Credit Foundation
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Druki Micro Credit Foundation
Druki Micro Credit Foundation does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Druki Micro Credit Foundation
Employment history and EPFO contributions of people linked to Druki Micro Credit Foundation.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
Recent Activity on Druki Micro Credit Foundation
Druki Micro Credit Foundation has 4 board changes on record since 2017: 3 appointments and 1 cessation. The latest: Ram Murat ceased to be Additional Director on 29 Sep 2024.
Credit Ratings, Litigation & Regulatory Alerts for Druki Micro Credit Foundation
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Druki Micro Credit Foundation
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Druki Micro Credit Foundation
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Druki Micro Credit Foundation
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Druki Micro Credit Foundation
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Druki Micro Credit Foundation
Druki Micro Credit Foundation is an active private not for profit company based in Gorakhpur, Uttar Pradesh, India. The company works in other financial intermediation, within the financial services industry. It was incorporated on 11 July 2017 (9+ years old) and is registered under CIN U65999UP2017NPL094874.
Druki Micro Credit Foundation reported revenue of ₹3.45 Lakh for FY 2025 (up 11% YoY).
Druki Micro Credit Foundation has 3 current directors:
- Ram Murat - Director
- Ram Surat - Director
- Chhote Lal - Director
Druki Micro Credit Foundation reported a net profit of ₹1,500 (net margin 0.4%) and EBITDA of ₹1,500 (EBITDA margin 0.4%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Druki Micro Credit Foundation is 24% over three years. In the latest year (FY 2025) revenue rose 11%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Druki Micro Credit Foundation is U65999UP2017NPL094874. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Druki Micro Credit Foundation was incorporated on 11 July 2017, making it 9+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Druki Micro Credit Foundation by revenue are Rani Channamma Chits Gadag Private Limited, Bahar Distributors Pvt Ltd, Grihastha Services Foundation, Avon Real Estate Limited, Fargo Chits Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Ram Murat ceased to be Additional Director on 29 Sep 2024. Ram Murat was appointed as Director on 14 Jun 2018. Chhote Lal was appointed as Director on 11 Jul 2017. Druki Micro Credit Foundation has 4 board changes on record in total.
The registered office of Druki Micro Credit Foundation is at Bhghar Ropan Sharma Baritola, Gorakhpur, Uttar Pradesh, India – 273201.
Druki Micro Credit Foundation has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh.