About Epimoney Private Limited
Data last updated:
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 Sankarson Banerjee and Rajiv Pankaj Mehta.
Its last annual general meeting (AGM) was held on 07 August 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Chennai, Tamil Nadu.
As per the financials filed for FY 2024, the company reported a revenue of ₹262.9 Cr, a growth of 140% compared to the previous year. For the same year it recorded a net profit of ₹6.66 Cr (net margin 2.5%) and EBITDA of ₹4.09 Cr (EBITDA margin 1.6%). Revenue has grown at a compounded annual rate (CAGR) of 98% over three years and 60% 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 ₹1,494.68 Cr and satisfied charges of ₹968.25 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. Its 10 peer companies in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies) are compared by revenue, 5 larger and 5 smaller; the largest is Abhijeet Ferrotech Limited with revenue of ₹270.61 Cr. 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.
Name History of Epimoney Private Limited
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 |
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressNo.119st. Marys Road 2nd Flr, Greenways Towers Abhiramapuram, Chennai, Tamil Nadu, India – 600018
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
- 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
Associated Brands with Epimoney Private Limited
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 of Epimoney Private Limited
The main business activity of Epimoney 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 Epimoney Private Limited FY 2025 filings available
Epimoney Private Limited reported revenue of ₹262.9 Cr (up 140% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Epimoney Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 60% over five years, including 140% growth in the latest year. EBITDA fell 84% 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 Epimoney Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | •••• | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | ₹262.9 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹4.09 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹6.66 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 of Epimoney Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 1.6% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 2.5% | •••• | •••• | •••• | •••• |
| 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 Epimoney are in the company report.
Financial statements from 2015
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.
Board of Directors and KMP of Epimoney Private Limited
Epimoney Private Limited currently reports 9 directors and 2 key managerial personnel. 23 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Bhushan Dilip Bhagwat | Company Secretary | 12 Nov 2021 | 4 Years 11 Months | Current |
| Mayank Kachhwaha Also directs: Fundamentum VC Advisors LLP, Fundamentum Sponsors III LLP | Nominee Director | 12 Sep 2024 | 2 Years 1 Months | Current |
| Sankarson Banerjee Also directs: Brave for Free Consulting (OPC) Private Limited, Veritas Finance Limited, Zerodha Trustee Private Limited and 2 more | Director | 28 Mar 2024 | 2 Years 6 Months | Current |
| 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 0 Months | Current |
| Radhika Jayant Shroff Also directs: Annapurna Finance Private Limited | Nominee Director | 10 Nov 2025 | 0 Years 11 Months | Current |
| Ruchira Shukla Also directs: Synapses Business Services LLP, RSKC Partners LLP, Summer Solstice Business Services LLP and 4 more | Director | 06 Feb 2025 | 1 Years 8 Months | Current |
Peer Comparison of Epimoney Private Limited
Epimoney Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Abhijeet Ferrotech Limited | ₹270.61 Cr (FY 2016) | •••• | •••• | -34.0% | •••• | Kolkata, West Bengal, India |
| Anisha Estate & Finance Pvt Ltd | ₹268.87 Cr (FY 2025) | •••• | •••• | 48.0% | •••• | Kolkata, West Bengal, India |
| Sonata Finance Private Limited | ₹268.26 Cr (FY 2025) | •••• | •••• | -56.0% | •••• | Lucknow, Uttar Pradesh, India |
| HCL Corporation Private Limited | ₹266.07 Cr (FY 2024) | •••• | •••• | 81.0% | •••• | New Delhi, Delhi, India |
| Upmove Capital Private Limited | ₹264.35 Cr (FY 2025) | •••• | •••• | 48.0% | •••• | Bangalore, Karnataka, India |
| Epimoney Private Limited this company | ₹262.9 Cr (FY 2024) | •••• | •••• | 140.0% | •••• | Chennai, Tamil Nadu, India |
| Apac Financial Services Private Limited | ₹258.9 Cr (FY 2024) | •••• | •••• | 49.0% | •••• | Mumbai, Maharashtra, India |
| Shri Ram Finance Corporation Private Limited | ₹258.18 Cr (FY 2024) | •••• | •••• | 41.0% | •••• | Raipur, Chhattisgarh, India |
| Hamilton & Company Limited | ₹258.01 Cr (FY 2025) | •••• | •••• | -71.0% | •••• | Mumbai, Maharashtra, India |
| Digamber Capfin Ltd | ₹256.82 Cr (FY 2023) | •••• | •••• | 19.0% | •••• | Jaipur, Rajasthan, India |
| Svasti Microfinance Private Limited | ₹256.12 Cr (FY 2025) | •••• | •••• | -10.0% | •••• | Chennai, Tamil Nadu, India |
Peers are the five companies nearest above and the five nearest below Epimoney by revenue in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Epimoney Private Limited
Epimoney Private Limited is audited by Ashar & Co for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Ashar & Co | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Epimoney Private Limited
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 Epimoney Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 17 Dec 2025 | Others | ₹10 Cr | Open |
| 05 Dec 2025 | Others | ₹35 Cr | Open |
| 13 Nov 2025 | Others | ₹30 Cr | Open |
| 31 Oct 2025 | Others | ₹90 Cr | Open |
| 29 Oct 2025 | Others | ₹10 Cr | Open |
Total charge records: 124 View all charges
Deals & Funding of Epimoney Private Limited
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 |
Full deal history
All 33 deals with amounts, valuations, instruments and every party are in the company report.
- Every funding round and share transfer
- Amounts and valuations
- Investors, buyers and sellers
- Instruments and deal dates
Verified entity values are shown only after access is granted.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal Cases of Epimoney Private Limited
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 |
Full case history
All 7,855 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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 by Epimoney Private Limited
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 | •••• | •••• | •••• |
Full MSME payment history
Every supplier, amount and due date from all 4 MSME Form 1 returns is in the company report.
- Every reported supplier due
- Amounts and due dates
- Reasons given in each return
- Period-by-period history
Verified entity values are shown only after access is granted.
Individuals and sole proprietors among the suppliers are not named. Amounts, due dates and filing dates are in the company report.
Employees and EPFO Compliance at Epimoney Private Limited
Employment history and EPFO contributions of people linked to Epimoney.
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.
Group Structure of Epimoney Private Limited
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 | Locked |
Showing major subsidiaries. Total: 1.
Recent Activity on Epimoney Private Limited
Epimoney Private Limited has 33 board changes on record since 2016: 11 appointments and 22 cessations. The latest: Radhika Jayant Shroff ceased to be Additional Director on 16 Nov 2025.
222 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Epimoney Private Limited
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.
Subsidiaries & Group Companies of Epimoney Private Limited
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 Epimoney Private Limited
Epimoney has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AAACU1013A1Z7 | Maharashtra | Active | 01 Jul 2017 |
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 Epimoney Private Limited
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.
Related news about Epimoney Private Limited
Frequently Asked Questions about Epimoney Private Limited
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 reported revenue of ₹262.9 Cr for FY 2024 (up 140% YoY).
Epimoney has 11 current directors and KMP:
- Mayank Kachhwaha - Nominee Director
- Sankarson Banerjee - Director
- Rajiv Pankaj Mehta - Director
- Radhika Jayant Shroff - Nominee Director
- Ruchira Shukla - Director
- Ritesh Jain - Director
- Sanjay Omprakash Nayar - Director
- Nethra Bhat - Nominee Director
- David Arturo Paradiso - Director
- Bhushan Dilip Bhagwat - Company Secretary
- Deepak Surajmal Jain - Ceo
Epimoney reported a net profit of ₹6.66 Cr (net margin 2.5%) and EBITDA of ₹4.09 Cr (EBITDA margin 1.6%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Epimoney is 98% over three years and 60% over five years. In the latest year (FY 2024) revenue rose 140%. CAGR is the steady yearly rate that links the first and the last year.
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.
The peers of Epimoney by revenue are Abhijeet Ferrotech Limited, Anisha Estate & Finance Pvt Ltd, Sonata Finance Private Limited, HCL Corporation Private Limited, Upmove Capital Private Limited and 5 more, all in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies).
Radhika Jayant Shroff ceased to be Additional Director on 16 Nov 2025. Radhika Jayant Shroff was appointed as Nominee Director on 10 Nov 2025. Ruchira Shukla ceased to be Additional Director on 06 Aug 2025. Epimoney has 33 board changes on record in total.