About Grihastha Saving & Services Private Limited
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Grihastha Saving & Services Private Limited is a private limited company based in Samastipur, Bihar, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 17 April 1996 and has been in existence for over 30 years.
The company is registered with the Registrar of Companies (ROC), Patna, under CIN U00800BR1996PTC007197. Its GSTIN is 10AAFCG0221M1Z6 (Bihar). The company holds 2 GST registrations, of which 1 is active.
The company has an authorised share capital of ₹35 Lakh and a paid-up capital of ₹32.15 Lakh. It was formerly known as Sasaram Saving Private Limited. It is led by directors Sandeep Kumar and Ankush Yadav.
Its last annual general meeting (AGM) was held on 30 September 2024, and its latest financial statements are for the year ended 31 March 2024. The registered office is at C/O Smt. Rupam Prasad Shivpuri Near Dharampur School, Samastipur, Bihar, India – 848101.
As per the financials filed for FY 2023, the company reported a revenue of ₹41.22 Lakh, a decline of 67% compared to the previous year. For the same year it recorded a net loss of ₹6.32 Lakh (net margin -15.3%) and EBITDA of ₹13.69 Lakh (EBITDA margin 33.2%). Revenue has declined at a compounded annual rate (CAGR) of 46% over three years and 8% over five years.
The company is associated with 1 brand: Grihastha. As per MCA filings, the company has open charges of ₹1.08 Cr and satisfied charges of ₹25 Lakh on record. Court records list 3 cases involving the company, including 1 filed by the company and 2 filed against it; 2 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website grihastha.in.
Company details
Contact details
Grihastha Saving & Services Private Limited's registered office is in Samastipur, Bihar. Its website is grihastha.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressC/O Smt. Rupam Prasad Shivpuri Near Dharampur School, Samastipur, Bihar, India – 848101
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Grihastha Saving & Services Private Limited, buy the company report.
- 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
Brands
Grihastha Saving & Services operates one associated brand: Grihastha. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Business correspondence and microfinance services in India. | grihastha.in |
Business activity
The main business activity of Grihastha Saving & Services is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Grihastha Saving & Services Private Limited, buy the company report.
Financials of Grihastha Saving & Services Private Limited
FY 2024 filings availableGrihastha Saving & Services Private Limited reported revenue of ₹41.22 Lakh (down 67% YoY) for FY 2023.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 8% over five years, including a 67% fall in the latest year. EBITDA fell 57% 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
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹41.22 Lakh | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹13.69 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹6.32 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 | |||||
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| Total Assets | |||||
Financial Ratios
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 33.2% | ||||
| Net Profit Margin | -15.3% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
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| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
| Revenue Growth | |||||
| Net Profit Growth | |||||
To see the full financial statements and ratios of Grihastha Saving & Services Private Limited, buy the company report.
Board of directors of Grihastha Saving & Services Private Limited
Grihastha Saving & Services has 2 current directors and 5 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Sandeep Kumar | Director | 24 Oct 2012 | 14 Years 0 Months | Current |
| Ankush Yadav Also directs: Grihastha Finance Limited, Grihastha Services Foundation, Ens-Solarenergies LLP and 5 more | Additional Director | 21 Dec 2024 | 1 Years 10 Months | Current |
Peer comparison
Grihastha Saving & Services Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Sangeerthanam Kuries Private Limited | ₹41.77 Lakh (FY 2025) | -3.0% | Thrissur Post, Kerala, India | |||
| Senthil Gnanavel Chit Fund Private Limited | ₹41.4 Lakh (FY 2024) | 12.0% | Chidambaram, Tamil Nadu, India | |||
| Trisiva Kuries Private Limited | ₹41.27 Lakh (FY 2025) | 17.0% | Thrissur, Kerala, India | |||
| W W Technology Holdings Limited | ₹41.25 Lakh (FY 2019) | -17.0% | Mumbai, Maharashtra, India | |||
| Grihastha Saving & Services Private Limitedthis company | ₹41.22 Lakh (FY 2023) | -₹6.32 Lakh | -15.3% | -67.0% | Samastipur, Bihar, India | |
| Sukapuram Chits (Kerala) Private Limited | ₹41.15 Lakh (FY 2025) | 28.0% | Ponani, Kerala, India | |||
| Pankaj Chits Private Limited | ₹40.77 Lakh (FY 2024) | 191.0% | Coimbatore, Tamil Nadu, India |
To see the full peer comparison of Grihastha Saving & Services Private Limited, buy the company report.
Auditor
Grihastha Saving & Services Private Limited is audited by GUPTA SACHDEVA & CO. for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| GUPTA SACHDEVA & CO. | FY 2023 | 006706N |
Shareholding
The shareholding of Grihastha Saving & Services Private Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Grihastha Saving & Services Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 24 Mar 2022 | 100557245 | Axis Bank Limited | ₹49.61 Lakh | Open | |
| 24 Mar 2022 | 100561357 | Others | ₹25 Lakh | Open | |
| 18 Mar 2020 | 100578650 | Axis Bank Limited | ₹32.99 Lakh | Open | |
| 12 Apr 2019 | 100259889 | Others | ₹25 Lakh | Satisfied |
To see the full charge records of Grihastha Saving & Services Private Limited, buy the company report.
Total charge records: 4 View all charges
Legal cases
Grihastha Saving & Services Private Limited has 3 court cases on record: 1 filed by Grihastha Saving & Services, 2 filed against it. 2 cases are pending and 1 is disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 3 | 2 | 2 |
Cases on record (3 of 3)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Shahdara, Delhi | Cheque dishonour complaint | Filed against the company by Usha Financial Services Ltd Through Its Ar Divya Sejwar | Pending |
| District court, New Delhi, Delhi | Court case (CS (COMM.)) | Filed against the company by Deutsche Bank Ag | Pending |
| District court, New Delhi, Delhi | Cheque dishonour complaint | Filed by the company against an individual | Disposed |
To see the full case history of Grihastha Saving & Services Private Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Grihastha Saving & Services Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Grihastha Saving & Services has 2 GST registrations: 1 active and 1 cancelled or inactive.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 10AAFCG0221M1Z6 | Bihar | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Grihastha Saving & Services Private Limited, buy the company report.
Recent activity
Grihastha Saving & Services Private Limited has 14 board changes on record since 1996: 8 appointments and 6 cessations. The latest: Ankush Yadav was appointed as Additional Director on 21 Dec 2024.
10 earlier events are in the company report.
Frequently asked questions
Grihastha Saving & Services is an active private limited company based in Samastipur, Bihar, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 17 April 1996 (30+ years old) and is registered under CIN U00800BR1996PTC007197.
Grihastha Saving & Services has 2 current directors:
- Sandeep Kumar - Director
- Ankush Yadav - Additional Director
The latest financial statements of Grihastha Saving & Services on record with the MCA are for the year ended 31 March 2024. Its last annual general meeting was held on 30 September 2024. Year-wise statements from 2015 are in the company report.
The GSTIN of Grihastha Saving & Services is 10AAFCG0221M1Z6, registered in Bihar. The company has 2 GST registrations in all, of which 1 is active and 1 is cancelled or inactive.
The CIN (Corporate Identification Number) of Grihastha Saving & Services is U00800BR1996PTC007197. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Grihastha Saving & Services has 3 court cases on record: 1 filed by the company and 2 filed against it. 2 are pending.
Grihastha Saving & Services was incorporated on 17 April 1996, making it 30+ years old. It is registered with the Registrar of Companies, Patna.
The peers of Grihastha Saving & Services by revenue are Sangeerthanam Kuries Private Limited, Senthil Gnanavel Chit Fund Private Limited, Trisiva Kuries Private Limited, W W Technology Holdings Limited, Sukapuram Chits (Kerala) Private Limited and 1 more, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Ankush Yadav was appointed as Additional Director on 21 Dec 2024. Preeti Yadav ceased to be Director on 21 Dec 2024. Manoj Kumar ceased to be Additional Director on 27 Dec 2023. Grihastha Saving & Services has 14 board changes on record in total.
Grihastha Saving & Services can be reached through the website grihastha.in. Its registered office is in Samastipur, Bihar, India.
The registered office of Grihastha Saving & Services is at CO Smt. Rupam Prasad Shivpuri Near Dharampur School, Samastipur, Bihar, India – 848101.