Future Light Micro Credit Association

Future Light Micro Credit Association - financial services in Singrauli, Madhya Pradesh, India. FY 2026 financials and compliance.
CIN U65900MP2013NPL031331 Incorporated 23 August 2013 ROC Gwalior HQ Singrauli, Madhya Pradesh, India
Active Public Not For Profit Company financial services
Data last updated
Revenue · FY 2025
₹6.97 Lakh
▲ 18.00% YoY
EBITDA · FY 2025
*****
▼ 43.00% YoY
Net profit · FY 2025
*****
▲ 199.00% YoY
Directors on board
3
As per MCA filings
Paid-up capital
-
Issued & subscribed
Open charges
None
Secured borrowings
Company age
13 yrs
Est. 2013
Last financials
Mar 2025
Balance sheet date

About Future Light Micro Credit Association

Data last updated: 27 February 2026

Future Light Micro Credit Association is a public not for profit company based in Singrauli, Madhya Pradesh, India. It specialises in financial services and investment, a part of the broader financial services sector. Incorporated on 23 August 2013, the company has been in operation for over 13 years.

Registered with ROC Gwalior under CIN U65900MP2013NPL031331.

It is led by directors including Sanjib Kumar Sarkar and Sankar Mondal.

Last AGM: 27 September 2025. Financial statements filed for year ended 31 March 2025. Office: B.M.L.Colony Singrauli Ward No 03 House No 110 1St Floor, Madhya Pradesh, India – 486889.

As per the financials filed for FY 2025, the company reported a revenue of ₹6.97 Lakh, a growth of 18% compared to the previous year.

The current compliance status is marked as compliant by the Registrar of Companies.

Company Details of Future Light Micro Credit Association
CIN U65900MP2013NPL031331
Registration Number 031331
Incorporation Date 23 August 2013
ROC Gwalior
Listing Status Unlisted
Company Status Active
Date of Last AGM 27 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
Key People
Sanjib Kumar Sarkar Director Sankar Mondal Director Samir Malakar Director
Contact Details
  • Email
    *****@*****.com
  • Telephone
    +91-****-******
  • Website
    **************
  • Social Media
    **************
  • Registered Address
    B.M.L.Colony Singrauli Ward No 03 House No 110 1St Floor, Madhya Pradesh, India – 486889
  • Industry
    Financial Services, Financial Activities
Company report
Future Light Micro Credit Association - full intelligence report
  • Historical Financials and ratios
  • Shareholding pattern and group structure
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  • Litigation, compliance and MCA filings
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Financials, compliance, directors, charges, ownership and filings for Future Light Micro Credit Association in one report.

10-year financials Directors & ownership Charges & compliance

Auditor Details of Future Light Micro Credit Association

Future Light Micro Credit Association is audited by ANJAN MONDAL for the financial year 2017. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.

Name Status Appointment Date Cessation Date
ANJAN MONDAL blur-value blur-value blur-value

Board of Directors of Future Light Micro Credit Association

Future Light Micro Credit Association is currently managed by 3 directors, with 7 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
Name Designation Appointment Date Tenure Status
Sanjib Kumar Sarkar
Also directs: Future Light Finance Private Limited, Future Light Nidhi Limited
Director 15 Oct 2013 12 Years 8 Months Current
Sankar Mondal
Also directs: Future Light Finance Private Limited, Future Light Nidhi Limited
Director 11 Nov 2013 12 Years 7 Months Current
Samir Malakar
Also directs: Piravom Funds Ltd
Director 17 Apr 2019 7 Years 2 Months Current
View all directors

Financials of Future Light Micro Credit Association FY 2025 filings available

Future Light Micro Credit Association reported revenue of ₹6.97 Lakh (up 18% YoY) for FY 2025. Profit growth despite declining revenue indicates effective cost management and margin discipline.

Revenue
₹6.97 Lakh ▲ 18%
Profit
***** ▲ 199%
EBITDA
***** ▼ -43%
Metrics
*****
*****
*****
*****
*****
Revenue
Revenue from Operations
*****
*****
*****
*****
*****
Revenue Growth %
*****
*****
*****
*****
*****
Other Income
*****
*****
*****
*****
*****
Total Revenue
*****
*****
*****
*****
*****
Expenses
Total Expenses
*****
*****
*****
*****
*****
Raw Material Cost
*****
*****
*****
*****
*****
Change in Inventory FG
*****
*****
*****
*****
*****
Change in Inventory WIP
*****
*****
*****
*****
*****
Purchase of Traded Goods
*****
*****
*****
*****
*****
Employee Cost
*****
*****
*****
*****
*****
Managerial Remuneration
*****
*****
*****
*****
*****
Audit Fees
*****
*****
*****
*****
*****
Insurance
*****
*****
*****
*****
*****
Power & Fuel
*****
*****
*****
*****
*****
Interest
*****
*****
*****
*****
*****
Depreciation
*****
*****
*****
*****
*****
Other Expenses
*****
*****
*****
*****
*****
Profitability
EBITDA (Operating Profit)
*****
*****
*****
*****
*****
Operating Margin %
*****
*****
*****
*****
*****
Exceptional Items
*****
*****
*****
*****
*****
Extraordinary Items
*****
*****
*****
*****
*****
Profit Before Exceptional & Extraordinary Items
*****
*****
*****
*****
*****
Profit Before Tax
*****
*****
*****
*****
*****
Tax & Net Profit
Tax Expense
*****
*****
*****
*****
*****
Current Tax
*****
*****
*****
*****
*****
Deferred Tax
*****
*****
*****
*****
*****
Profit from Discontinued Operations
*****
*****
*****
*****
*****
Tax on Discontinued Operations
*****
*****
*****
*****
*****
Profit
*****
*****
*****
*****
*****
Net Margin %
*****
*****
*****
*****
*****
Metrics
*****
*****
*****
*****
*****
Shareholders' Funds
Total Shareholders' Funds
*****
*****
*****
*****
*****
Equity Capital
*****
*****
*****
*****
*****
Reserves & Surplus
*****
*****
*****
*****
*****
Money Against Warrants
*****
*****
*****
*****
*****
Other Equity
*****
*****
*****
*****
*****
Non-Current Liabilities
Total Non-Current Liabilities
*****
*****
*****
*****
*****
Long-Term Borrowings
*****
*****
*****
*****
*****
Deferred Tax Liabilities
*****
*****
*****
*****
*****
Other Non-Current Liabilities
*****
*****
*****
*****
*****
Long-Term Provisions
*****
*****
*****
*****
*****
Current Liabilities
Total Current Liabilities
*****
*****
*****
*****
*****
Short-Term Borrowings
*****
*****
*****
*****
*****
Trade Payables
*****
*****
*****
*****
*****
Other Current Liabilities
*****
*****
*****
*****
*****
Short-Term Provisions
*****
*****
*****
*****
*****
Total Equity & Liabilities
*****
*****
*****
*****
*****
Non-Current Assets
Non-Current Assets
*****
*****
*****
*****
*****
Tangible Assets
*****
*****
*****
*****
*****
Intangible Assets
*****
*****
*****
*****
*****
Capital WIP
*****
*****
*****
*****
*****
Intangibles Under Dev
*****
*****
*****
*****
*****
Investments
*****
*****
*****
*****
*****
Deferred Tax Assets
*****
*****
*****
*****
*****
LT Loans & Advances
*****
*****
*****
*****
*****
Other Non-Current Assets
*****
*****
*****
*****
*****
Current Assets
Current Assets
*****
*****
*****
*****
*****
Current Investments
*****
*****
*****
*****
*****
Inventories
*****
*****
*****
*****
*****
Trade Receivables
*****
*****
*****
*****
*****
Cash & Bank Balance
*****
*****
*****
*****
*****
ST Loans & Advances
*****
*****
*****
*****
*****
Other Current Assets
*****
*****
*****
*****
*****
Total Assets
*****
*****
*****
*****
*****
Metrics
*****
*****
*****
*****
*****
Cash from Operating Activities (CFO)
Profit Before Tax
*****
*****
*****
*****
*****
Non-Cash Adjustments
*****
*****
*****
*****
*****
+ Interest Expense
*****
*****
*****
*****
*****
+ Depreciation
*****
*****
*****
*****
*****
+/- Unrealized Forex
*****
*****
*****
*****
*****
- Dividend Income
*****
*****
*****
*****
*****
- Interest Income
*****
*****
*****
*****
*****
+/- Other Non-Cash Items
*****
*****
*****
*****
*****
Changes in Working Capital
*****
*****
*****
*****
*****
+/- Inventory
*****
*****
*****
*****
*****
+/- Debtors
*****
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*****
+/- Creditors
*****
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Reconciliation Adjustments
*****
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*****
Cash Generated from Operations
*****
*****
*****
*****
*****
Income Taxes Paid
*****
*****
*****
*****
*****
Net CFO (Cash from Operations)
*****
*****
*****
*****
*****
Cash from Investing Activities (CFI)
Acquisitions & Disposals
*****
*****
*****
*****
*****
Disposal of Subsidiaries
*****
*****
*****
*****
*****
Acquisition of Subsidiaries
*****
*****
*****
*****
*****
Capex
*****
*****
*****
*****
*****
Purchase of Fixed Assets
*****
*****
*****
*****
*****
Sale of Fixed Assets
*****
*****
*****
*****
*****
Other Investing Cash Flows
*****
*****
*****
*****
*****
Net CFI (Cash from Investing)
*****
*****
*****
*****
*****
Cash from Financing Activities (CFF)
Equity Issuance
*****
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*****
Debt Raised
*****
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*****
Debt Repaid
*****
*****
*****
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*****
Dividends Paid
*****
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*****
*****
Interest Paid
*****
*****
*****
*****
*****
Net CFF (Cash from Financing)
*****
*****
*****
*****
*****
Net Cash Position
Net Change in Cash (Pre-Forex)
*****
*****
*****
*****
*****
Closing Cash & Equivalents
*****
*****
*****
*****
*****
Metrics
*****
*****
*****
*****
*****
Liquidity
Current Ratio
*****
*****
*****
*****
*****
Quick Ratio
*****
*****
*****
*****
*****
Cash Ratio
*****
*****
*****
*****
*****
Efficiency
Inventory Days
*****
*****
*****
*****
*****
Debtor Days
*****
*****
*****
*****
*****
Creditor Days
*****
*****
*****
*****
*****
Cash Conversion Cycle
*****
*****
*****
*****
*****
Asset Turnover
*****
*****
*****
*****
*****
Profitability
Net Profit Margin %
*****
*****
*****
*****
*****
Operating Margin %
*****
*****
*****
*****
*****
ROE %
*****
*****
*****
*****
*****
ROCE %
*****
*****
*****
*****
*****
Net Worth Margin %
*****
*****
*****
*****
*****
Growth
Revenue Growth %
*****
*****
*****
*****
*****
Leverage
Equity Multiplier
*****
*****
*****
*****
*****
Debt / EBITDA
*****
*****
*****
*****
*****
Solvency
D/E Ratio
*****
*****
*****
*****
*****
ICR
*****
*****
*****
*****
*****

Consolidated Statements

Income Statement, Balance Sheet, Cash Flow & Ratios available in the full report.

Unlock Complete Financial History (FY 2015 – Latest)
Standalone & Consolidated - Income Statement, Balance Sheet, Cash Flow, Financial Ratios and Growth Trends with 10+ years of line-item data.
10+ years of data Line-item breakdown Balance Sheet detail Cash Flow analysis 20+ ratios & metrics Downloadable PDF

Shareholding Pattern of Future Light Micro Credit Association

The shareholding pattern for Future Light Micro Credit Association provides insights into the ownership structure and investor base of the company.

2025
YEAR
38.19% Promoters
25.22% DII (Domestic Institutional)
10.28% FII (Foreign Institutional)
25.89% Public
2.42% Others
Shareholding Trend
Year 2025
Promoters 33.19%
DII 23.22%
FII 18.28%
Public 22.89%
Others 2.42%

Charges & Borrowings Future Light Micro Credit Association

Future Light Micro Credit Association does not have any charges (loans) registered with the Registrar of Companies.

Employees and EPFO Compliance at Future Light Micro Credit Association

View historical data on people associated with Future Light Micro Credit Association, including employment history and EPFO contributions.

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Employee Count & EPFO Data of Future Light Micro Credit Association

Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.

Monthly employee headcount & PF contributions
EPFO establishment details & ECR filing status
Year-wise workforce analytics & attrition trends
PF exemption, coverage & compliance verification

GST Compliance of Future Light Micro Credit Association

XX%
Compliant
GSTR-1
GSTR-3B
GSTR-9
MH
KA
UP
TN
TS

GSTIN & GST Filing Data of Future Light Micro Credit Association

Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.

GSTIN registrations & state-wise presence
Filing compliance - GSTR-1, GSTR-3B, GSTR-9
HSN/SAC codes with goods & services details
Taxpayer type, jurisdiction & business constitution

Credit Ratings, Litigation & Regulatory Alerts for Future Light Micro Credit Association

Credit rating
AAA
AA+
AA
AA-
! !
2015 2017 2019 2021 2023
Litigation
District Court 35
High Court 45
Supreme Court 0
NCLT / NCLAT 0
Pending
Disposed
Regulatory alerts
GSTIN Cancelled
Andhra Pradesh
GSTIN Cancelled
Telangana (on application)
EPFO Delay
12 months delay - Haryana
Violations via Directors
20 MCA + 19 Bank defaults

Credit Ratings, Legal Cases & Regulatory Alerts of Future Light Micro Credit Association

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Credit rating history across CARE, ICRA, Brickwork & India Ratings
Instrument-wise ratings, outlook & action timeline
Court-wise litigation (District, High Court, Supreme Court, NCLT)
Group company & common directorship litigation
Statutory compliance alerts (GSTIN, EPFO, ROC)
Director & company violations (MCA, SEBI, Banks, BSE/NSE)

MSME Payment Delays by Future Light Micro Credit Association

MSME Payment Delays by Future Light Micro Credit Association

Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.

Amounts outstanding to MSME suppliers
Delay periods & reasons for delayed payments
Half-yearly MSME-1 filing history
Vendor-payment behaviour as a counterparty risk signal

Subsidiaries & Group Companies of Future Light Micro Credit Association

Subsidiaries & Group Companies of Future Light Micro Credit Association

See the full corporate group - holding company, subsidiaries, associates and joint ventures of Future Light Micro Credit Association with ownership details.

Holding & parent company details
Subsidiaries & step-down subsidiaries with % holding
Associates & joint ventures with partner details
Investments in other entities year-on-year

MCA Filings & Documents of Future Light Micro Credit Association

MCA Filings & Documents of Future Light Micro Credit Association

Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.

Incorporation documents, MoA & AoA
Annual returns (MGT-7) & financial statements (AOC-4)
Charge filings (CHG-1, CHG-4) & resolutions
Complete document index with filing dates

Recent Activity on Future Light Micro Credit Association

Activity
27 Sep 2025
Future Light Micro Credit Association last Annual general meeting of members was held on 27 Sep 2025 as per latest MCA records.
Activity
31 Mar 2025
Future Light Micro Credit Association has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Gwalior.
Directors
17 Apr 2019
Samir Malakar was appointed as a Director on 17 Apr 2019 & has been associated with this company since 7 years 2 months.
Directors
11 Nov 2013
Sankar Mondal was appointed as a Director on 11 Nov 2013 & has been associated with this company since 12 years 7 months.
Directors
15 Oct 2013
Sanjib Kumar Sarkar was appointed as a Director on 15 Oct 2013 & has been associated with this company since 12 years 8 months.
Activity
23 Aug 2013
Future Light Micro Credit Association was registered on 23 Aug 2013 with Roc Gwalior & aged 12 years 10 months as per MCA records.

Frequently Asked Questions about Future Light Micro Credit Association

Future Light Micro Credit Association is an active public not for profit company in the financial services sector based in Singrauli, Madhya Pradesh, India. It was incorporated on 23 August 2013 (13+ years old) and is registered under CIN U65900MP2013NPL031331.

Future Light Micro Credit Association reported revenue of ₹6.97 Lakh for FY 2025 (up 18.00% YoY).

The current directors of Future Light Micro Credit Association are:

The primary industry of Future Light Micro Credit Association is financial services. The company specifically operates in financial activities. The company is currently active in this sector.

Future Light Micro Credit Association can be reached at the registered office: B.M.L.Colony Singrauli Ward No 03 House No 110 1St Floor, Madhya Pradesh, India – 486889.

The company has its registered office at B.M.L.Colony Singrauli Ward No 03 House No 110 1St Floor, Madhya Pradesh, India – 486889.

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Financials, directors, compliance, charges and shareholding - sourced from MCA, SEBI and RBI filings.

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