Graiviti Microcredit Foundation
About Graiviti Microcredit Foundation
Data last updated:
Graiviti Microcredit Foundation is a private not for profit company based in Zamania, Uttar Pradesh, India. It operates in the social services and community development segment of the non-profit sector. It was incorporated on 29 September 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U85320UP2016NPL086767.
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Narendra Kumar and Rama Kant.
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Hetimpura Zamania, 146 – Ghazipur, Uttar Pradesh, India – 232329.
As per the financials filed for FY 2025, the company reported a revenue of ₹4.32 Lakh, a growth of 64% compared to the previous year. For the same year it recorded a net profit of ₹21,919 (net margin 5.1%) and EBITDA of ₹21,155 (EBITDA margin 4.9%). Revenue has declined at a compounded annual rate (CAGR) of 56% over three years and 1% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressHetimpura Zamania, 146 – Ghazipur, Uttar Pradesh, India – 232329
- IndustryNon-Profit Organizations, Social Work, Social Work Activities Without Accommodation
- 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
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Business Activity of Graiviti Microcredit Foundation
The main business activity of Graiviti Microcredit Foundation 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 Graiviti Microcredit Foundation FY 2025 filings available
Graiviti Microcredit Foundation reported revenue of ₹4.32 Lakh (up 64% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Graiviti Microcredit Foundation
Revenue rose 64% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 1%. EBITDA rose 147% 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 Graiviti Microcredit Foundation
| 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 | ₹21,155 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹21,919 | •••• | •••• | •••• | •••• |
| 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 Graiviti Microcredit Foundation
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 4.9% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 5.1% | •••• | •••• | •••• | •••• |
| 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 Graiviti Microcredit Foundation are in the company report.
Financial statements from FY 2017
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 of Graiviti Microcredit Foundation
Graiviti Microcredit Foundation has 2 current directors and 4 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Narendra Kumar | Director | 18 Dec 2018 | 7 Years 10 Months | Current |
| Rama Kant | Director | 18 Aug 2018 | 8 Years 2 Months | Current |
Peer Comparison of Graiviti Microcredit Foundation
Graiviti Microcredit Foundation is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Godham Mutual Nidhi Limited | ₹4.32 Lakh (FY 2021) | •••• | •••• | -50.0% | •••• | Naugarh, Uttar Pradesh, India |
| Stenly Credit Capital Limited | ₹4.32 Lakh (FY 2025) | •••• | •••• | 37.0% | •••• | Kanpur, Uttar Pradesh, India |
| Muthalamman Chits Private Limited | ₹4.32 Lakh (FY 2019) | •••• | •••• | 6763.0% | •••• | Tiruchirappalli, Tamil Nadu, India |
| Need Equity for Equity Foundation | ₹4.32 Lakh (FY 2024) | •••• | •••• | 88.0% | •••• | New Delhi, Delhi, India |
| Shri Shivabodharang Chits Private Limited | ₹4.32 Lakh (FY 2024) | •••• | •••• | 368.0% | •••• | Mudalgi, Karnataka, India |
| Graiviti Microcredit Foundation this company | ₹4.32 Lakh (FY 2025) | •••• | •••• | 64.0% | •••• | Zamania, Uttar Pradesh, India |
| Rishigramin Nidhi Limited | ₹4.31 Lakh (FY 2025) | •••• | •••• | -84.0% | •••• | Narender Nagar, Uttarakhand, India |
| TPL Hari Chits Private Limited | ₹4.31 Lakh (FY 2024) | •••• | •••• | •••• | Hosur, Tamil Nadu, India | |
| Devnath Merchandise Private Limited | ₹4.31 Lakh (FY 2025) | •••• | •••• | -41.0% | •••• | Kolkata, West Bengal, India |
| Sri Mangalam Chit Funds (Nellai) Private Limited | ₹4.31 Lakh (FY 2024) | •••• | •••• | 9.0% | •••• | Tirunelveli, Tamil Nadu, India |
| Kailashdham Shoppers Private Limited | ₹4.31 Lakh (FY 2016) | •••• | •••• | 1820.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Graiviti Microcredit Foundation by revenue in the same principal business activity (Other financial activities), 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 Graiviti Microcredit Foundation
Graiviti Microcredit Foundation is audited by PANDEY & SINGH for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| PANDEY & SINGH | 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 Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
Graiviti Microcredit Foundation does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Graiviti Microcredit Foundation
Employment history and EPFO contributions of people linked to Graiviti Microcredit Foundation.
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 Graiviti Microcredit Foundation
Graiviti Microcredit Foundation has 6 board changes on record since 2018: 2 appointments and 4 cessations. The latest: Brijesh Kumar ceased to be Director on 12 Sep 2022.
Credit Ratings, Litigation & Regulatory Alerts for Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
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 Graiviti Microcredit Foundation
Graiviti Microcredit Foundation is an active private not for profit company based in Zamania, Uttar Pradesh, India. The company works in social work, within the non-profit organizations industry. It was incorporated on 29 September 2016 (10+ years old) and is registered under CIN U85320UP2016NPL086767.
Graiviti Microcredit Foundation reported revenue of ₹4.32 Lakh for FY 2025 (up 64% YoY).
Graiviti Microcredit Foundation has 2 current directors:
- Narendra Kumar - Director
- Rama Kant - Director
Graiviti Microcredit Foundation reported a net profit of ₹21,919 (net margin 5.1%) and EBITDA of ₹21,155 (EBITDA margin 4.9%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Graiviti Microcredit Foundation is 56% over three years and -1% over five years. In the latest year (FY 2025) revenue rose 64%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Graiviti Microcredit Foundation is U85320UP2016NPL086767. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Graiviti Microcredit Foundation was incorporated on 29 September 2016, making it 10+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Graiviti Microcredit Foundation by revenue are Godham Mutual Nidhi Limited, Stenly Credit Capital Limited, Muthalamman Chits Private Limited, Need Equity for Equity Foundation, Shri Shivabodharang Chits Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Brijesh Kumar ceased to be Director on 12 Sep 2022. Rakesh Kumar Vind ceased to be Director Appointed In Casual Vacancy on 31 May 2019. Narendra Kumar was appointed as Director on 18 Dec 2018. Graiviti Microcredit Foundation has 6 board changes on record in total.
The registered office of Graiviti Microcredit Foundation is at Hetimpura Zamania, 146 – Ghazipur, Uttar Pradesh, India – 232329.
Graiviti Microcredit Foundation has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh.