Gregory Credit Private Limited
About Gregory Credit Private Limited
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Gregory Credit Private Limited is a private limited company based in Kolkata, West Bengal, India. It operates in the financial intermediation and lending segment of the financial services sector. It was incorporated on 21 February 1997 and has been in existence for over 29 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U65993WB1997PTC083012.
The company has an authorised share capital of ₹3.75 Cr and a paid-up capital of ₹1.74 Cr. It is led by directors Partha Ghosh and Rakesh Kumar Jha.
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 9 Lal Bazar Street 1st Floor Block – B, Kolkata, West Bengal, India – 700001.
As per the financials filed for FY 2025, the company reported a revenue of ₹2.96 Lakh, a decline of 91% compared to the previous year. For the same year it recorded a net loss of ₹5.09 Cr and EBITDA of -₹5.09 Cr. Revenue has grown at a compounded annual rate (CAGR) of 81% over three years and 353% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address9 Lal Bazar Street 1st Floor Block – B, Kolkata, West Bengal, India – 700001
- IndustryFinancial Services, Other Financial Intermediation, Investment Companies
- 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 Gregory Credit Private Limited
The main business activity of Gregory Credit 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 Gregory Credit Private Limited FY 2025 filings available
Gregory Credit Private Limited reported revenue of ₹2.96 Lakh (down 91% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Gregory Credit Private Limited
Revenue fell 91% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 353%. 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 Gregory Credit 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 | -₹5.09 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹5.09 Cr | •••• | •••• | •••• | •••• |
| 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 Gregory Credit Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | •••• | •••• | •••• | •••• | •••• |
| Net Profit Margin | •••• | •••• | •••• | •••• | •••• |
| 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 Gregory Credit 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.
Board of Directors of Gregory Credit Private Limited
Gregory Credit has 2 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Partha Ghosh Also directs: Shakti Vanijya Private Limited, Parakram Tracom Private Limited, Concord Dealcom Private Limited and 2 more | Director | 01 Aug 2003 | 23 Years 2 Months | Current |
| Rakesh Kumar Jha Also directs: Cloret Investments Private Limited | Director | 20 Aug 2014 | 12 Years 2 Months | Current |
Peer Comparison of Gregory Credit Private Limited
Gregory Credit Private Limited is compared with the companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Nirajfiscal Services P. Ltd. | ₹3.01 Lakh (FY 2023) | •••• | •••• | -75.0% | •••• | Kolkata, West Bengal, India |
| Oven Commercial Pvt Ltd | ₹3 Lakh (FY 2025) | •••• | •••• | -31.0% | •••• | Kolkata, West Bengal, India |
| Puneet Capital Services Limited | ₹3 Lakh (FY 2025) | •••• | •••• | •••• | Mumbai, Maharashtra, India | |
| B P Consultants Private Limited | ₹3 Lakh (FY 2025) | •••• | •••• | -15.0% | •••• | New Delhi, Delhi, India |
| MLDC Combines Ltd | ₹2.97 Lakh (FY 2024) | •••• | •••• | -84.0% | •••• | Kolkata, West Bengal, India |
| Gregory Credit Private Limited this company | ₹2.96 Lakh (FY 2025) | •••• | •••• | -91.0% | •••• | Kolkata, West Bengal, India |
| Liquid Paper Finserve Private Limited | ₹2.92 Lakh (FY 2025) | •••• | •••• | -76.0% | •••• | Delhi, India |
| Cooltex Merchandise Pvt Ltd | ₹2.9 Lakh (FY 2025) | •••• | •••• | -47.0% | •••• | Kolkata, West Bengal, India |
| Swarn Vanijya Private Limited | ₹2.9 Lakh (FY 2025) | •••• | •••• | -43.0% | •••• | Kolkata, West Bengal, India |
| Urochem Trades Pvt Ltd | ₹2.89 Lakh (FY 2020) | •••• | •••• | 7.0% | •••• | Kolkata, West Bengal, India |
| Aspective Commercial Pvt Ltd | ₹2.86 Lakh (FY 2025) | •••• | •••• | 1040.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Gregory Credit by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), 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 Gregory Credit Private Limited
Gregory Credit Private Limited is audited by Pramode Kumar Mitra & Associates for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Pramode Kumar Mitra & Associates | 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 Gregory Credit 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 Gregory Credit Private Limited
Gregory Credit Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Gregory Credit Private Limited
Employment history and EPFO contributions of people linked to Gregory Credit.
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 Gregory Credit Private Limited
Gregory Credit Private Limited has 5 board changes on record since 2003: 2 appointments and 3 cessations. The latest: Anand Saraf ceased to be Director on 20 Aug 2014.
Credit Ratings, Litigation & Regulatory Alerts for Gregory Credit 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 Gregory Credit 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 Gregory Credit 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.
GST Compliance of Gregory Credit Private Limited
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 Gregory Credit 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.
Frequently Asked Questions about Gregory Credit Private Limited
Gregory Credit is an active private limited company based in Kolkata, West Bengal, India. The company works in other financial intermediation, within the financial services industry. It was incorporated on 21 February 1997 (29+ years old) and is registered under CIN U65993WB1997PTC083012.
Gregory Credit reported revenue of ₹2.96 Lakh for FY 2025 (down 91% YoY).
Gregory Credit has 2 current directors:
- Partha Ghosh - Director
- Rakesh Kumar Jha - Director
Gregory Credit reported a net loss of ₹5.09 Cr and EBITDA of -₹5.09 Cr for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Gregory Credit is 81% over three years and 353% over five years. In the latest year (FY 2025) revenue fell 91%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Gregory Credit is U65993WB1997PTC083012. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Gregory Credit was incorporated on 21 February 1997, making it 29+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Gregory Credit by revenue are Nirajfiscal Services P. Ltd, Oven Commercial Pvt Ltd, Puneet Capital Services Limited, B P Consultants Private Limited, MLDC Combines Ltd and 5 more, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC).
Anand Saraf ceased to be Director on 20 Aug 2014. Rakesh Kumar Jha was appointed as Director on 20 Aug 2014. Ashok Kumar Agarwal ceased to be Director on 02 Aug 2013. Gregory Credit has 5 board changes on record in total.
The registered office of Gregory Credit is at 9 Lal Bazar Street 1st Floor Block – B, Kolkata, West Bengal, India – 700001.
Gregory Credit has an authorised share capital of ₹3.75 Cr and a paid-up capital of ₹1.74 Cr.