Future Light Micro Credit Association
About Future Light Micro Credit Association
Data last updated:
Future Light Micro Credit Association is a public not for profit company based in Singrauli, Madhya Pradesh, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 23 August 2013 and has been in existence for over 13 years.
The company is registered with the Registrar of Companies (ROC), Gwalior, under CIN U65900MP2013NPL031331.
It is led by directors including Sanjib Kumar Sarkar and Sankar Mondal.
Its last annual general meeting (AGM) was held on 27 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 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. For the same year it recorded a net profit of ₹6,662 (net margin 1%) and EBITDA of ₹26,675 (EBITDA margin 3.8%).
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressB.M.L.Colony Singrauli Ward No 03 House No 110 1st Floor, Madhya Pradesh, India – 486889
- IndustryFinancial Services, Financial Activities
- 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
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.
Compounded Annual Growth Rate (CAGR) of Future Light Micro Credit Association
Revenue rose 18% in the latest year. EBITDA fell 43% 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 Future Light Micro Credit Association
| 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 | ₹26,675 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹6,662 | •••• | •••• | •••• | •••• |
| 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 Future Light Micro Credit Association
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 3.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 1% | •••• | •••• | •••• | •••• |
| 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 Future Light Micro Credit Association 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.
Auditor Details of Future Light Micro Credit Association
Future Light Micro Credit Association is audited by ANJAN MONDAL for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| ANJAN MONDAL | 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 Future Light Micro Credit Association
Future Light Micro Credit Association has 3 current directors and 7 former directors. Current directors are listed first, with their designation and appointment date.
| 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 11 Months | Current |
| Sankar Mondal Also directs: Future Light Finance Private Limited, Future Light Nidhi Limited | Director | 11 Nov 2013 | 12 Years 10 Months | Current |
| Samir Malakar Also directs: Piravom Funds Ltd | Director | 17 Apr 2019 | 7 Years 5 Months | Current |
Ownership and Shareholding of Future Light Micro Credit Association
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 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
Employment history and EPFO contributions of people linked to Future Light Micro Credit Association.
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.
Recent Activity on Future Light Micro Credit Association
Future Light Micro Credit Association has 10 board changes on record since 2013: 3 appointments and 7 cessations. The latest: Sankar Samaddar ceased to be Director on 26 Sep 2022.
1 earlier event is listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Future Light Micro Credit Association
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 Future Light Micro Credit Association
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 Future Light Micro Credit Association
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 Future Light Micro Credit Association
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 Future Light Micro Credit Association
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 Future Light Micro Credit Association
Future Light Micro Credit Association is an active public not for profit company based in Singrauli, Madhya Pradesh, India. The company works in financial activities, within the financial services industry. 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% YoY).
Future Light Micro Credit Association has 3 current directors:
- Sanjib Kumar Sarkar - Director
- Sankar Mondal - Director
- Samir Malakar - Director
Future Light Micro Credit Association reported a net profit of ₹6,662 (net margin 1%) and EBITDA of ₹26,675 (EBITDA margin 3.8%) for FY 2025, as per its filed financial statements.
The CIN (Corporate Identification Number) of Future Light Micro Credit Association is U65900MP2013NPL031331. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Future Light Micro Credit Association was incorporated on 23 August 2013, making it 13+ years old. It is registered with the Registrar of Companies, Gwalior.
Sankar Samaddar ceased to be Director on 26 Sep 2022. Samir Malakar was appointed as Director on 17 Apr 2019. Gopal Mukherjee ceased to be Director on 12 Mar 2019. Future Light Micro Credit Association has 10 board changes on record in total.
The registered office of Future Light Micro Credit Association is at B.M.L.Colony Singrauli Ward No 03 House No 110 1st Floor, Madhya Pradesh, India – 486889.
Future Light Micro Credit Association operates in the financial services industry, in the financial activities segment.
No. Future Light Micro Credit Association is not listed on any stock exchange. It is an unlisted company.