About Gramalaya Microfin Foundation
Data last updated:
Gramalaya Microfin Foundation is a private not for profit company based in Kulumani Main Road, Tamil Nadu, India. It operates in the diversified financial services segment of the financial services sector. It was incorporated on 24 November 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U67190TN2011NPL083286. Its GSTIN is 33AAECG9550E1ZQ (Tamil Nadu).
It is led by directors including Damodaran Sait and Selvaraj Muthulakshmi.
Its last annual general meeting (AGM) was held on 24 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at No.34 Vin'S Anbu Avenue Next To Selvam Nagar, Kulumani Main Road, Tamil Nadu, India – 620102.
As per the financials filed for FY 2025, the company reported a revenue of ₹5.69 Cr, a growth of 19% compared to the previous year. For the same year it recorded a net profit of ₹38 Lakh (net margin 6.7%) and EBITDA of ₹72.99 Lakh (EBITDA margin 12.8%). Revenue has grown at a compounded annual rate (CAGR) of 23% over three years and 5% over five years.
The company has about 82 employees on its provident fund (EPFO) records.
As per MCA filings, the company has satisfied charges of ₹3.55 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website gmfindia.org.
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- Website
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- Registered AddressNo.34 Vin'S Anbu Avenue Next To Selvam Nagar, Kulumani Main Road, Tamil Nadu, India – 620102
- IndustryFinancial Services, Diversified Financial Services
- 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 Gramalaya Microfin Foundation
The main business activity of Gramalaya Microfin 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 Gramalaya Microfin Foundation FY 2025 filings available
Gramalaya Microfin Foundation reported revenue of ₹5.69 Cr (up 19% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Gramalaya Microfin Foundation
Revenue has grown at a compounded annual rate (CAGR) of 5% over five years, including 19% growth in the latest year. EBITDA rose 19% 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 Gramalaya Microfin 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 | ₹72.99 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹38 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 Gramalaya Microfin Foundation
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 12.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 6.7% | •••• | •••• | •••• | •••• |
| 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 Gramalaya Microfin Foundation 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.
Peer Comparison of Gramalaya Microfin Foundation
Gramalaya Microfin Foundation is compared with the companies closest to it by revenue in the BFSI industry (Other Financial Services). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| H L Kapoor Financial Services Private Limited | ₹5.71 Cr (FY 2025) | •••• | •••• | 17.0% | •••• | New Delhi, Delhi, India |
| Leoline Commodities Private Limited | ₹5.71 Cr (FY 2025) | •••• | •••• | 29.0% | •••• | Kolkata, West Bengal, India |
| Ilex Investments Private Limited | ₹5.7 Cr (FY 2025) | •••• | •••• | -12.0% | •••• | Mumbai, Maharashtra, India |
| Goldflag Holdings Private Limited | ₹5.7 Cr (FY 2025) | •••• | •••• | -9.0% | •••• | Bangalore, Karnataka, India |
| Ludhiana Scrips Private Limited | ₹5.69 Cr (FY 2025) | •••• | •••• | -15.0% | •••• | Ludhiana, Punjab, India |
| Gramalaya Microfin Foundation this company | ₹5.69 Cr (FY 2025) | •••• | •••• | 19.0% | •••• | Kulumani Main Road, Tamil Nadu, India |
| VND Wealth Private Limited | ₹5.69 Cr (FY 2025) | •••• | •••• | 39.0% | •••• | Mumbai, Maharashtra, India |
| Minicraft Enterprise Pvt Ltd | ₹5.69 Cr (FY 2025) | •••• | •••• | 123.0% | •••• | Kolkata, West Bengal, India |
| Shanudeep Private Limited | ₹5.69 Cr (FY 2025) | •••• | •••• | 9.0% | •••• | Mumbai, Maharashtra, India |
| Gateway Towers Private Limited | ₹5.68 Cr (FY 2020) | •••• | •••• | -36.0% | •••• | Kolkata, West Bengal, India |
| Experdo Money Solutions Private Limited | ₹5.68 Cr (FY 2024) | •••• | •••• | •••• | Jaipur, Rajasthan, India |
Peers are the five companies nearest above and the five nearest below Gramalaya Microfin Foundation by revenue in the BFSI industry (Other Financial Services), 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 Gramalaya Microfin Foundation
Gramalaya Microfin Foundation is audited by ROY JOHN THOMAS AND CO for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| ROY JOHN THOMAS AND 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 Gramalaya Microfin Foundation
Gramalaya Microfin Foundation has 3 current directors and 5 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Damodaran Sait | Director | 28 Nov 2011 | 14 Years 10 Months | Current |
| Selvaraj Muthulakshmi | Director | 15 Nov 2023 | 2 Years 10 Months | Current |
| Elangovan | Director | 24 Nov 2011 | 14 Years 10 Months | Current |
Ownership and Shareholding of Gramalaya Microfin 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 Gramalaya Microfin Foundation
| Date | Lender | Amount | Status |
|---|---|---|---|
| 08 Nov 2016 | Others | ₹60 Lakh | Satisfied |
| 29 Dec 2014 | Nabkisan Finance Limited | ₹70 Lakh | Satisfied |
| 03 Oct 2013 | Agri Development Finance (Tamilnadu) Limited | ₹50 Lakh | Satisfied |
| 28 Sep 2012 | Indian Overseas Bank | ₹1.75 Cr | Satisfied |
Total charge records: 4 View all charges
Employees and EPFO Compliance at Gramalaya Microfin Foundation
Gramalaya Microfin Foundation has a workforce of 82 employees as of Mar 22, 2024.
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 Gramalaya Microfin Foundation
Gramalaya Microfin Foundation has 8 board changes on record since 2011: 3 appointments and 5 cessations. The latest: Selvaraj Muthulakshmi ceased to be Additional Director on 23 Aug 2024.
7 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Gramalaya Microfin 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 Gramalaya Microfin 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 Gramalaya Microfin 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 Gramalaya Microfin Foundation
Gramalaya Microfin Foundation has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AAECG9550E1ZQ | Tamil Nadu | Active | 13 Dec 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.
MCA Filings & Documents of Gramalaya Microfin 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 Gramalaya Microfin Foundation
Gramalaya Microfin Foundation is an active private not for profit company based in Kulumani Main Road, Tamil Nadu, India. The company works in diversified financial services, within the financial services industry. It was incorporated on 24 November 2011 (15+ years old) and is registered under CIN U67190TN2011NPL083286.
Gramalaya Microfin Foundation reported revenue of ₹5.69 Cr for FY 2025 (up 19% YoY).
Gramalaya Microfin Foundation has 3 current directors:
- Damodaran Sait - Director
- Selvaraj Muthulakshmi - Director
- Elangovan - Director
Gramalaya Microfin Foundation reported a net profit of ₹38 Lakh (net margin 6.7%) and EBITDA of ₹72.99 Lakh (EBITDA margin 12.8%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Gramalaya Microfin Foundation is 23% over three years and 5% over five years. In the latest year (FY 2025) revenue rose 19%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Gramalaya Microfin Foundation is 33AAECG9550E1ZQ, registered in Tamil Nadu.
The CIN (Corporate Identification Number) of Gramalaya Microfin Foundation is U67190TN2011NPL083286. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Gramalaya Microfin Foundation was incorporated on 24 November 2011, making it 15+ years old. It is registered with the Registrar of Companies, Chennai.
The peers of Gramalaya Microfin Foundation by revenue are H L Kapoor Financial Services Private Limited, Leoline Commodities Private Limited, Ilex Investments Private Limited, Goldflag Holdings Private Limited, Ludhiana Scrips Private Limited and 5 more, all in the BFSI industry (Other Financial Services).
Selvaraj Muthulakshmi ceased to be Additional Director on 23 Aug 2024. Krishnan Saroja ceased to be Director on 15 Nov 2023. Selvaraj Muthulakshmi was appointed as Director on 15 Nov 2023. Gramalaya Microfin Foundation has 8 board changes on record in total.
Gramalaya Microfin Foundation can be reached through the website gmfindia.org. Its registered office is in Kulumani Main Road, Tamil Nadu, India.