About Epimoney Private Limited
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Epimoney Private Limited is a private limited company based in Chennai, Tamil Nadu, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 16 March 1995 and has been in existence for over 31 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U71309TN1995PTC030536. Its GSTIN is 27AAACU1013A1Z7 (Maharashtra).
The company has an authorised share capital of ₹435 Cr and a paid-up capital of ₹302.65 Cr. It was formerly known as Urmila Investments and Securities Pvt Ltd and Urmila Investment & Securities Private Limited. It is led by directors including Rajiv Pankaj Mehta and David Arturo Paradiso.
Its last annual general meeting (AGM) was held on 06 August 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Chennai, Tamil Nadu.
As per the financials filed for FY 2026, the company reported a revenue of ₹479.89 Cr, a growth of 24% compared to the previous year. For the same year it recorded a net profit of ₹17.88 Cr (net margin 3.7%). Revenue has grown at a compounded annual rate (CAGR) of 65% over three years and 70% over five years.
Its group structure includes 1 subsidiary.
The company is associated with 3 brands: Credit Period, FlexiLoans and Epimoney. As per MCA filings, the company has open charges of ₹2,003.18 Cr and satisfied charges of ₹1,399.75 Cr on record. Court records list 7,855 cases involving the company, including 7,697 filed by the company and 158 filed against it; 5,239 cases are pending. The company has 33 deals on record (20 funding rounds, 11 secondary share transfers, 1 rights issue), with disclosed funding of ₹954.03 Cr; the latest was in September 2025. The company has 4 MSME Form 1 returns on record between 2019 and 2023, listing 10 overdue payments to 7 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website epimoney.in.
Company details
Name history
Epimoney has undergone 2 name changes throughout its history. The company was previously known as Urmila Investments And Securities Pvt Ltd, and Urmila Investment & Securities Private Limited. The current legal name is Epimoney Private Limited.
| Company Name | Status |
|---|---|
| Epimoney Private Limited | Current |
| Urmila Investments And Securities Pvt Ltd | Previous |
| Urmila Investment & Securities Private Limited | Previous |
Contact details
Epimoney Private Limited's registered office is in Chennai, Tamil Nadu. Its website is epimoney.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressNo.119 2nd Floor Harita Towers, St. Marys Road Abhiramapuram, Chennai, Tamil Nadu, India – 600018
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Epimoney 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
Epimoney operates multiple associated brands including Credit Period, FlexiLoans, and Epimoney. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Invoice factoring marketplace | creditperiod.com | |
| Business loans and financial products for MSMEs are provided. | flexiloans.com | |
| Consumer and business loans are facilitated via an online platform. | epimoney.in |
Business activity
The main business activity of Epimoney is financial and insurance activities. In detail, this covers activities auxiliary to financial service and insurance activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance activities | 66 | Activities auxiliary to financial service and insurance activities |
To see the full business activity and turnover split of Epimoney Private Limited, buy the company report.
Financials of Epimoney Private Limited
FY 2026 filings availableEpimoney Private Limited reported revenue of ₹479.89 Cr (up 24% YoY) for FY 2026.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 70% over five years, including 24% growth 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 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹479.89 Cr | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | |||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹17.88 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
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| Trade Payables | |||||
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| Inventories | |||||
| Trade Receivables | |||||
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Financial Ratios
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 3.7% | ||||
| 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 Epimoney Private Limited, buy the company report.
Board of directors of Epimoney Private Limited
Epimoney has 10 current directors and 23 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Rajiv Pankaj Mehta Also directs: Good Side Ventures Private Limited, Dimexon Diamonds Limited, Pankaj K Mehta Investment Pvt Ltd and 2 more | Director | 07 Oct 2019 | 7 Years 1 Months | Current |
| David Arturo Paradiso Also directs: Mjic Consultancy Private Limited | Director | 08 Jun 2022 | 4 Years 4 Months | Current |
| Deepak Surajmal Jain Also directs: Flexiloans Technologies Private Limited | Director | 06 Nov 2018 | 8 Years 0 Months | Current |
| Sanjay Omprakash Nayar Also directs: FSN E-Commerce Ventures Limited, FSN International Limited, Heritage View Developers Private Limited and 5 more | Director | 03 Nov 2020 | 6 Years 0 Months | Current |
| Ritesh Jain Also directs: Flexiloans Technologies Private Limited | Director | 07 Jun 2025 | 1 Years 5 Months | Current |
| Nethra Bhat | Nominee Director | 07 Jun 2025 | 1 Years 5 Months | Current |
Auditor
Epimoney Private Limited is audited by Haribhakti & Co. LLP for the financial year 2026.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Haribhakti & Co. LLP | FY 2026 | 103523W/W100048 |
Shareholding
The shareholding of Epimoney Private Limited is on record for 5 financial years, the latest being FY 2026, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2026 | FY 2025 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Epimoney Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 28 Sep 2026 | 101398766 | Others | ₹40 Cr | Open | |
| 28 Sep 2026 | 101407340 | Others | ₹65 Cr | Open | |
| 25 Sep 2026 | 101400833 | Others | ₹25 Cr | Open | |
| 24 Sep 2026 | 101394535 | Others | ₹30 Cr | Open | |
| 23 Sep 2026 | 101397374 | Others | ₹25 Cr | Open |
To see the full charge records of Epimoney Private Limited, buy the company report.
Total charge records: 157 View all charges
Deals & funding
Epimoney Private Limited has 33 deals on record (20 funding rounds, 11 secondary share transfers, 1 rights issue), with disclosed funding of ₹954.03 Cr; the latest was in September 2025.
Deals on record (5 of 33)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Feb 2022 | Funding round | ₹35 Cr | Investors: Astra Industries and Trading Private Limited , 3 individuals |
| May 2019 | Funding round · Series E | ₹32.25 Cr | Investors: 4 individuals |
| Jul 2018 | Secondary share transfer | Undisclosed | Buyer: 4 individuals Seller: Lionsquare Capital LLP |
| Jun 2017 | Funding round | ₹2.02 Cr | Investors: Lionsquare Capital LLP , 3 individuals |
| Oct 2006 | Secondary share transfer | Undisclosed | Buyer: 3 individuals Seller: 4 individuals |
To see the full deal history of Epimoney 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
Epimoney Private Limited has 7,855 court cases on record: 7,697 filed by Epimoney, 158 filed against it. 5,239 cases are pending and 2,616 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 7,696 | 123 | 5,199 |
| High courts | 151 | 28 | 38 |
| NCLT | 4 | 3 | 0 |
| Supreme Court | 3 | 3 | 1 |
| NCLAT | 1 | 1 | 1 |
Cases on record (5 of 7,855)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Sotase Seatings LLP | Pending |
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Meticulous Market Research Private Limited | Pending |
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Healthcare at Medidocs Private Limited | Pending |
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against M/S. Vanse Infotech Private Limited | Pending |
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Narayani Overseas Metals Tradelink LLP | Pending |
To see the full case history of Epimoney 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
Epimoney Private Limited was last rated by Acuite on 12 Aug 2026.
| Rating agency | Rated on | Rating |
|---|---|---|
| Acuite | 12 Aug 2026 |
To see the full credit ratings and regulatory alerts of Epimoney Private Limited, buy the company report.
MSME payment delays
Epimoney Private Limited has 4 MSME Form 1 returns on record between 2019 and 2023, listing 10 overdue payments to 7 micro and small suppliers. 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 (5 of 7)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Astute Corporate Services Private Limited | |||
| Redbrick IT Support Limited | |||
| Indus Intellirisk & Intellisense Services Private Limited | |||
| Silveredge Technologies Private Limited | |||
| Perfios Software Solutions Private Limited |
To see the full MSME payment records of Epimoney Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
Epimoney has 1 subsidiary company. This group structure data is as of FY 2023. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Flexiloans Technologies Private Limited | U74120MH2016PTC272771 |
To see the full group structure of Epimoney Private Limited, buy the company report.
GST
Epimoney has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AAACU1013A1Z7 | Maharashtra | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Epimoney Private Limited, buy the company report.
Recent activity
Epimoney Private Limited has 32 board changes on record since 2016: 10 appointments and 22 cessations. The latest: Isabel Shi Ying Tay was appointed as Nominee Director on 28 Apr 2026.
276 earlier events are in the company report.
Frequently asked questions
Epimoney is an active private limited company based in Chennai, Tamil Nadu, India. The company works in nbfc, within the financial services industry. It was incorporated on 16 March 1995 (31+ years old) and is registered under CIN U71309TN1995PTC030536.
Epimoney has 10 current directors:
- Rajiv Pankaj Mehta - Director
- David Arturo Paradiso - Director
- Deepak Surajmal Jain - Director
- Sanjay Omprakash Nayar - Director
- Ritesh Jain - Director
- Nethra Bhat - Nominee Director
- Ruchira Shukla - Director
- Mayank Kachhwaha - Nominee Director
- Sankarson Banerjee - Director
- Isabel Shi Ying Tay - Nominee Director
The latest financial statements of Epimoney on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 06 August 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of Epimoney is 27AAACU1013A1Z7, registered in Maharashtra.
The CIN (Corporate Identification Number) of Epimoney is U71309TN1995PTC030536. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Epimoney has 7,855 court cases on record: 7,697 filed by the company and 158 filed against it. 5,239 are pending. Most are in the district courts.
Epimoney was incorporated on 16 March 1995, making it 31+ years old. It is registered with the Registrar of Companies, Chennai.
Epimoney has 33 deals on record (20 funding rounds, 11 secondary share transfers, 1 rights issue), with disclosed funding of ₹954.03 Cr; the latest was in September 2025.
Isabel Shi Ying Tay was appointed as Nominee Director on 28 Apr 2026. Radhika Jayant Shroff ceased to be Additional Director on 16 Nov 2025. Ruchira Shukla ceased to be Additional Director on 06 Aug 2025. Epimoney has 32 board changes on record in total.
Epimoney has 4 MSME Form 1 returns on record between 2019 and 2023, listing 10 overdue payments to 7 micro and small suppliers. The latest return was filed on 25 Apr 2023.
Epimoney can be reached through the website epimoney.in. Its registered office is in Chennai, Tamil Nadu, India.
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