About Finnable Credit Private Limited
Data last updated:
Finnable Credit Private Limited is a private limited company based in Bengaluru, Karnataka, India, recognised as a startup by DPIIT. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 12 August 2015 and has been in existence for over 11 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U67100KA2015PTC082204. Its GSTIN is 29AAACQ3926E1ZH (Karnataka). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹2.35 Cr and a paid-up capital of ₹2.01 Cr. It was formerly known as Qreativity Eservtech Private Limited. It is led by directors including Nitin Gupta and Viraj Tyagi.
Its last annual general meeting (AGM) was held on 29 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Indiqube Lakeside 4th Flooe Municipal No. 80/2 Wing A Bellandur Village Varthur Hobli, Bengaluru, Karnataka, India – 560103.
As per the financials filed for FY 2025, the company reported a revenue of ₹50.47 Cr, reflecting significant growth compared to the previous year. For the same year it recorded a net profit of ₹1.01 Cr (net margin 2%) and EBITDA of ₹20.97 Cr (EBITDA margin 41.6%). Revenue has grown at a compounded annual rate (CAGR) of 87% over three years and 72% over five years.
The company has about 78 employees on its provident fund (EPFO) records. Its group structure includes 1 subsidiary.
The company is associated with 1 brand: Finnable. As per MCA filings, the company has open charges of ₹719.75 Cr and satisfied charges of ₹34.6 Cr on record. Court records list 20 cases involving the company, including 9 filed against it; 13 cases are pending. The company has 14 deals on record (5 rights issues, 3 funding rounds, 3 secondary share transfers), with disclosed funding of ₹555.32 Cr; the latest was in November 2025.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website finnable.com.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Apps
- Registered AddressIndiqube Lakeside 4th Flooe Municipal No. 80/2 Wing A Bellandur Village Varthur Hobli, Bengaluru, Karnataka, India – 560103
- 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
Business Activity of Finnable Credit Private Limited
The main business activity of Finnable Credit is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing 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 Finnable Credit Private Limited FY 2025 filings available
Finnable Credit Private Limited reported revenue of ₹50.47 Cr (up 444% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Finnable Credit Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 72% over five years, including 444% 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 of Finnable Credit Private Limited
| 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 | ₹50.47 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹20.97 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹1.01 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 Finnable Credit Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 41.6% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 2% | •••• | •••• | •••• | •••• |
| 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 Finnable Credit are in the company report.
Financial statements from FY 2016
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.
Auditor Details of Finnable Credit Private Limited
Finnable Credit Private Limited is audited by Suresh & Co for the financial year 2024.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Suresh & 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.
Board of Directors of Finnable Credit Private Limited
Finnable Credit has 4 current directors and 4 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Nitin Gupta | Director | 12 Aug 2015 | 11 Years 1 Months | Current |
| Viraj Tyagi Also directs: Airawat Research Foundation, Spire Technologies and Solutions Private Limited, SV Edusports Private Limited and 1 more | Director | 30 Sep 2016 | 10 Years 0 Months | Current |
| Amit Kumar Arora Also directs: Finnable Technologies Private Limited | Director | 25 Jan 2022 | 4 Years 8 Months | Current |
| Vaitheeswaran Seetharaman Also directs: Finnable Technologies Private Limited, Memg Fund Advisors LLP, Manipalcigna Health Insurance Company Limited and 5 more | Director | 25 Jan 2022 | 4 Years 8 Months | Current |
Ownership and Shareholding of Finnable Credit 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 Finnable Credit Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 06 Jan 2026 | Others | ₹4.5 Cr | Open |
| 30 Dec 2025 | Others | ₹40 Cr | Open |
| 29 Dec 2025 | Others | ₹30 Cr | Open |
| 23 Dec 2025 | Others | ₹30 Cr | Open |
| 20 Dec 2025 | Others | ₹20 Cr | Open |
Total charge records: 45 View all charges
Deals & Funding of Finnable Credit Private Limited
Finnable Credit Private Limited has 14 deals on record (5 rights issues, 3 funding rounds, 3 secondary share transfers), with disclosed funding of ₹555.32 Cr; the latest was in November 2025.
Deals on record (5 of 14)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Nov 2025 | Funding round | ₹500 Cr | Investors: MEMG Family Office, Z47 (Matrix Partners India), TVS Capital |
| May 2021 | Funding round · Series A | ₹30 Cr | Investors: MEMG Family Office |
| Mar 2021 | Secondary share transfer | Undisclosed | Buyer: an individual Seller: an individual |
| Nov 2019 | Rights issue | ₹2.32 Cr | Investors: 4 individuals |
| Aug 2019 | Rights issue | ₹1.15 Cr | Investors: an individual |
Full deal history
All 14 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 Finnable Credit Private Limited
Finnable Credit Private Limited has 20 court cases on record: 9 filed against it, 11 where it is another party. 13 cases are pending and 7 are disposed. Status as checked between 21 Sep 2026 and 04 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 19 | 9 | 13 |
| High courts | 1 | 0 | 0 |
Cases on record (5 of 20)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Rangareddy, Telangana | Civil suit | Filed against the company by an individual | Pending |
| District court, Rangareddy, Telangana | Civil suit | Filed against the company by an individual | Pending |
| District court, Chennai, Tamil Nadu | Civil suit | Filed against the company by an individual | Pending |
| District court, Rangareddy, Telangana | Civil suit | Company is another party | Pending |
| District court, Visakapatnam, Andhra Pradesh | Civil suit | Company is another party | Pending |
Full case history
All 20 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.
Associated Brands with Finnable Credit Private Limited
Finnable Credit operates one associated brand: Finnable. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Online personal loans with minimal documentation are offered digitally. | finnable.com |
Employees and EPFO Compliance at Finnable Credit Private Limited
Finnable Credit Private Limited has a workforce of 78 employees as of Feb 24, 2026.
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 Finnable Credit Private Limited
Finnable Credit has 1 subsidiary company. This group structure data is as of FY 2024. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares Held |
|---|---|---|
| Finnable Technologies Private Limited | U74999KA2020PTC134989 | Locked |
Showing major subsidiaries. Total: 1.
CIN History of Finnable Credit Private Limited
Finnable Credit has one previous CIN (Corporate Identification Number): U72200KA2015PTC082204. The current CIN is U67100KA2015PTC082204, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U67100KA2015PTC082204 | Current |
| U72200KA2015PTC082204 | Previous |
Recent Activity on Finnable Credit Private Limited
Finnable Credit Private Limited has 8 board changes on record since 2015: 4 appointments and 4 cessations. The latest: Amit Kumar Arora was appointed as Director on 25 Jan 2022.
51 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Finnable Credit 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.
MSME Payment Delays by Finnable Credit Private Limited
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 Finnable Credit 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 Finnable Credit Private Limited
Finnable Credit has 2 GST registrations: 2 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAACQ3926E1ZH | Karnataka | Active | 22 Jul 2017 |
| 33AAACQ3926E1ZS | Tamil Nadu | Active | 08 Dec 2025 |
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 Finnable Credit 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.
Frequently Asked Questions about Finnable Credit Private Limited
Finnable Credit is an active private limited company based in Bengaluru, Karnataka, India. The company works in nbfc, within the financial services industry. It was incorporated on 12 August 2015 (11+ years old) and is registered under CIN U67100KA2015PTC082204.
Finnable Credit reported revenue of ₹50.47 Cr for FY 2025 (up 444% YoY).
Finnable Credit has 4 current directors:
- Nitin Gupta - Director
- Viraj Tyagi - Director
- Amit Kumar Arora - Director
- Vaitheeswaran Seetharaman - Director
Finnable Credit reported a net profit of ₹1.01 Cr (net margin 2%) and EBITDA of ₹20.97 Cr (EBITDA margin 41.6%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Finnable Credit is 87% over three years and 72% over five years. In the latest year (FY 2025) revenue rose 444%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Finnable Credit is 29AAACQ3926E1ZH, registered in Karnataka. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 33AAACQ3926E1ZS (Tamil Nadu).
The CIN (Corporate Identification Number) of Finnable Credit is U67100KA2015PTC082204. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Finnable Credit has 20 court cases on record: 9 filed against it. 13 are pending. Most are in the district courts.
Finnable Credit was incorporated on 12 August 2015, making it 11+ years old. It is registered with the Registrar of Companies, Bangalore.
Finnable Credit has 14 deals on record (5 rights issues, 3 funding rounds, 3 secondary share transfers), with disclosed funding of ₹555.32 Cr; the latest was in November 2025.