About Harsh Micro Finance
Data last updated:
Harsh Micro Finance is a private not for profit company based in Jaipur, Rajasthan, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 27 September 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Jaipur, under CIN U65999RJ2011NPL036594.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Suresh Kumar Yogi and Sushila Yogi.
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 Plot No. 189 Vinayak Enclave Near Gyanvihar University Jagatpura, Jaipur, Rajasthan, India – 302017.
As per the financials filed for FY 2025, the company reported a revenue of ₹32.37 Lakh, a growth of 80% compared to the previous year. For the same year it recorded a net profit of ₹79,486 (net margin 2.5%) and EBITDA of ₹1.18 Lakh (EBITDA margin 3.6%). Revenue has declined at a compounded annual rate (CAGR) of 33% over three years and 3% over five years.
Court records list 8 cases involving the company, including 8 filed by the company; 8 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 harshmicrofinance.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressPlot No. 189 Vinayak Enclave Near Gyanvihar University Jagatpura, Jaipur, Rajasthan, India – 302017
- IndustryFinancial Services, Microfinance Institutions
- 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 Harsh Micro Finance
The main business activity of Harsh Micro Finance 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 Harsh Micro Finance FY 2025 filings available
Harsh Micro Finance reported revenue of ₹32.37 Lakh (up 80% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Harsh Micro Finance
Revenue rose 80% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 3%. EBITDA fell 54% 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 Harsh Micro Finance
| 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 | ₹1.18 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹79,486 | •••• | •••• | •••• | •••• |
| 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 Harsh Micro Finance
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 3.6% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 2.5% | •••• | •••• | •••• | •••• |
| 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 Harsh Micro Finance 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 Harsh Micro Finance
Harsh Micro Finance is compared with the companies closest to it by revenue in the BFSI industry (Finance, Micro Finance). Revenue, net profit, margin and growth of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| PSB Chits Private Limited | •••• | •••• | •••• | •••• | - | Gurgaon, Haryana, India |
| Highline Finance and Investments Private Limited | •••• | •••• | •••• | •••• | - | Khairatabad, Telangana, India |
| Shrushti Chits Private Limited | •••• | •••• | •••• | •••• | - | Belgaum, Karnataka, India |
| Zigma Capital Finance Private Limited | •••• | •••• | •••• | •••• | - | Howrah, West Bengal, India |
| Strafox Tech Ventures Private Limited | •••• | •••• | •••• | •••• | - | Pune, Maharashtra, India |
| Harsh Micro Finance this company | •••• | •••• | •••• | •••• | - | Jaipur, Rajasthan, India |
| Smifs Finance Limited | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Kankeshwari Finance Private Limited | •••• | •••• | •••• | •••• | - | Mumbai, Maharashtra, India |
| Gupta Global Finance Limited | •••• | •••• | •••• | •••• | - | New Delhi, Delhi, India |
| Grand Finance and Estates Private Limited | •••• | •••• | •••• | •••• | - | Ernakulam, Kerala, India |
| G D L Leasing and Finance Limited Listed | •••• | •••• | •••• | •••• | - | New Delhi, Delhi, India |
Peers are the five companies nearest above and the five nearest below Harsh Micro Finance by revenue in the BFSI industry (Finance, Micro Finance), from the latest filed financials of each company. Revenue, net profit, margin and growth of each peer are in the company report.
Auditor Details of Harsh Micro Finance
Harsh Micro Finance is audited by J JANARDAN & ASSOCIATES for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| J JANARDAN & 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.
Board of Directors of Harsh Micro Finance
Harsh Micro Finance has 2 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Suresh Kumar Yogi Also directs: SH Mutual Benefit Nidhi Limited | Director | 27 Sep 2011 | 15 Years 0 Months | Current |
| Sushila Yogi Also directs: SH Mutual Benefit Nidhi Limited | Director | 15 Dec 2011 | 14 Years 9 Months | Current |
Ownership and Shareholding of Harsh Micro Finance
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 Harsh Micro Finance
Harsh Micro Finance does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Harsh Micro Finance
Harsh Micro Finance has 8 court cases on record: 8 filed by Harsh Micro Finance. All cases are pending. Status as checked on 29 Sep 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 8 | 0 | 8 |
Cases on record (5 of 8)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Jaipur Metro II, Rajasthan | Criminal case | Filed by the company against Priyanka (India) Private Limited | Pending |
| District court, Jaipur Metro II, Rajasthan | Criminal case | Filed by the company against an individual | Pending |
| District court, Jaipur Metro II, Rajasthan | Criminal case | Filed by the company against an individual | Pending |
| District court, Jaipur Metro II, Rajasthan | Criminal case | Filed by the company against an individual | Pending |
| District court, Jaipur Metro II, Rajasthan | Criminal case | Filed by the company against an individual | Pending |
Full case history
All 8 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Employees and EPFO Compliance at Harsh Micro Finance
Employment history and EPFO contributions of people linked to Harsh Micro Finance.
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 Harsh Micro Finance
Harsh Micro Finance has 4 board changes on record since 2011: 2 appointments and 2 cessations. The latest: Sushila Yogi ceased to be Additional Director on 27 Sep 2012.
Credit Ratings, Litigation & Regulatory Alerts for Harsh Micro Finance
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 Harsh Micro Finance
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 Harsh Micro Finance
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 Harsh Micro Finance
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 Harsh Micro Finance
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 Harsh Micro Finance
Harsh Micro Finance is an active private not for profit company based in Jaipur, Rajasthan, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 27 September 2011 (15+ years old) and is registered under CIN U65999RJ2011NPL036594.
Harsh Micro Finance reported revenue of ₹32.37 Lakh for FY 2025 (up 80% YoY).
Harsh Micro Finance has 2 current directors:
- Suresh Kumar Yogi - Director
- Sushila Yogi - Director
Harsh Micro Finance reported a net profit of ₹79,486 (net margin 2.5%) and EBITDA of ₹1.18 Lakh (EBITDA margin 3.6%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Harsh Micro Finance is 33% over three years and -3% over five years. In the latest year (FY 2025) revenue rose 80%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Harsh Micro Finance is U65999RJ2011NPL036594. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Harsh Micro Finance has 8 court cases on record: 8 filed by the company. 8 are pending.
Harsh Micro Finance was incorporated on 27 September 2011, making it 15+ years old. It is registered with the Registrar of Companies, Jaipur.
The peers of Harsh Micro Finance by revenue are PSB Chits Private Limited, Highline Finance and Investments Private Limited, Shrushti Chits Private Limited, Zigma Capital Finance Private Limited, Strafox Tech Ventures Private Limited and 5 more, all in the BFSI industry (Finance, Micro Finance).
Sushila Yogi ceased to be Additional Director on 27 Sep 2012. Vishnu Dutt Soni ceased to be Director on 03 Jan 2012. Sushila Yogi was appointed as Director on 15 Dec 2011. Harsh Micro Finance has 4 board changes on record in total.
Harsh Micro Finance can be reached through the website harshmicrofinance.com. Its registered office is in Jaipur, Rajasthan, India.