About Fraternal Chit Fund Private Limited
Data last updated:
Fraternal Chit Fund Private Limited is a private limited company based in Bangalore, Karnataka, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 27 December 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65992KA2011PTC061847. Its GSTIN is 29AABCF9681N1ZS (Karnataka).
The company has an authorised share capital of ₹50 Lakh and a paid-up capital of ₹30 Lakh. It is led by directors including Gino Pulickan (Managing Director) and Herbert Emmanual Thadathil.
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 Bangalore, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹30.14 Lakh, a growth of 0% compared to the previous year. For the same year it recorded a net profit of ₹1.87 Lakh (net margin 6.2%) and EBITDA of ₹2.57 Lakh (EBITDA margin 8.5%). Revenue has declined at a compounded annual rate (CAGR) of 6% over five years.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website fraternalfund.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressNo.9 8th Cross Opp. Hotel Geo 9th Main Sampangiramanag, Er, Bangalore, Karnataka, India – 560027
- IndustryFinancial Services, Microfinance Institutions
- 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 Fraternal Chit Fund Private Limited
The main business activity of Fraternal Chit Fund is financial and insurance activities. In detail, this covers activities auxiliary to financial service and insurance activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance activities | 66 | Activities auxiliary to financial service and insurance 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.
Auditor Details of Fraternal Chit Fund Private Limited
Fraternal Chit Fund Private Limited is audited by M O POULOSE & CO for the financial year 2021.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| M O POULOSE & 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 Fraternal Chit Fund Private Limited
Fraternal Chit Fund 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 |
|---|---|---|---|---|
| Herbert Emmanual Thadathil | Director | 28 Dec 2011 | 14 Years 9 Months | Current |
| Kallarackal Mathew Georgeroy Also directs: Sicilia Hotels Pvt Ltd, Breezeland Hotels Private Ltd, Hotel Siena Central Private Limited and 3 more | Director | 27 Dec 2011 | 14 Years 9 Months | Current |
| Gino Pulickan | Managing Director | 27 Dec 2011 | 14 Years 9 Months | Current |
Financials of Fraternal Chit Fund Private Limited FY 2025 filings available
Fraternal Chit Fund Private Limited reported revenue of ₹30.14 Lakh for FY 2025.
Growth of Fraternal Chit Fund Private Limited
| Metric | 5-year compounded (CAGR) |
|---|---|
| Revenue | ▼ 6% |
| Net profit | ▼ 31% |
| EBITDA | ▼ 31% |
Revenue has declined at a compounded annual rate (CAGR) of 6% over five years. 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 Fraternal Chit Fund 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 | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹2.57 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹1.87 Lakh | •••• | •••• | •••• | •••• |
| 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 Fraternal Chit Fund Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 8.5% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 6.2% | •••• | •••• | •••• | •••• |
| 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 Fraternal Chit Fund 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.
Ownership and Shareholding of Fraternal Chit Fund 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 Fraternal Chit Fund Private Limited
Fraternal Chit Fund Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Fraternal Chit Fund Private Limited
Employment history and EPFO contributions of people linked to Fraternal Chit Fund.
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.
GST Compliance of Fraternal Chit Fund Private Limited
Fraternal Chit Fund has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AABCF9681N1ZS | Karnataka | 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.
Credit Ratings, Litigation & Regulatory Alerts for Fraternal Chit Fund 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 Fraternal Chit Fund 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 Fraternal Chit Fund 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.
MCA Filings & Documents of Fraternal Chit Fund 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.
Recent Activity on Fraternal Chit Fund Private Limited
Frequently Asked Questions about Fraternal Chit Fund Private Limited
Fraternal Chit Fund is an active private limited company based in Bangalore, Karnataka, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 27 December 2011 (15+ years old) and is registered under CIN U65992KA2011PTC061847.
Fraternal Chit Fund reported revenue of ₹30.14 Lakh for FY 2025 (up 0.00% YoY).
Fraternal Chit Fund has 3 current directors:
- Gino Pulickan - Managing Director
- Herbert Emmanual Thadathil - Director
- Kallarackal Mathew Georgeroy - Director
Fraternal Chit Fund reported a net profit of ₹1.87 Lakh (net margin 6.2%) and EBITDA of ₹2.57 Lakh (EBITDA margin 8.5%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Fraternal Chit Fund is -6% over five years. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Fraternal Chit Fund is 29AABCF9681N1ZS, registered in Karnataka.
The CIN (Corporate Identification Number) of Fraternal Chit Fund is U65992KA2011PTC061847. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Fraternal Chit Fund was incorporated on 27 December 2011, making it 15+ years old. It is registered with the Registrar of Companies, Bangalore.
Fraternal Chit Fund can be reached through the website fraternalfund.com. Its registered office is in Bangalore, Karnataka, India.