About J.A. Finance Ltd.
Data last updated: 14 July 2026
J.A. Finance Ltd. is a public limited company based in Kolkata, West Bengal, India. It specialises in investment and credit NBFC, a part of the broader financial services sector. Incorporated on 30 April 1993, the company has been in operation for over 33 years.
Registered with ROC Kolkata under CIN L65999WB1993PLC058703. Listed.
Capital: an authorised share capital of ₹11 Cr and a paid-up capital of ₹10.65 Cr. Formerly known as J.A. Finance Private Limited. It is led by directors including Dilip Kumar Goyal and Akshay Goyal.
Last AGM: 18 September 2025. Financial statements filed for year ended 31 March 2025. Office: 1St Floor 7B Punwani Chambers Kiran Shankar Roy Road, Kolkata, West Bengal, India – 700001.
As per BSE-filed standalone financials for FY 2024, the company reported a revenue of ₹3.06 Cr, a growth of 42.78% compared to the previous year. The net worth stands at ₹19.9 Cr (up 5.3% YoY). Total assets are valued at ₹27.18 Cr (down 0.16% YoY).
The company is associated with 1 brand - J A Finance.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website jafinance.co.in.
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Registered Address1St Floor 7B Punwani Chambers Kiran Shankar Roy Road, Kolkata, West Bengal, India – 700001
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IndustryFinancial Services, Investment & Credit NBFC, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of J.A. Finance Ltd.
J.A. Finance Ltd. has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65999WB1993PLC058703, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65999WB1993PLC058703 | Current |
| L99999WB1993PLC058703 | Previous |
| U65999WB1993PLC058703 | Previous |
Associated Brands with J.A. Finance Ltd.
J.A. Finance Ltd. operates one associated brand: J A Finance. These brands represent J.A. Finance Ltd.'s diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Consumer loans are provided to individuals by J A Finance. | jafinance.co.in |
Competitors & Alternatives of J.A. Finance Ltd.
Brands and companies operating in the same space as J.A. Finance Ltd. include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
|
Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
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Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
|
Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
|
Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
|
Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Mahindra Finance
|
Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Hero Fincorp
|
2-wheeler loans and consumer/business financing are provided by Hero Fincorp. | Delhi, India, India | 1991 |
Cholamandalam Investment and Finance Company
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Home and SME loans are provided in India. | Chennai, India, India | 1978 |
Dvara KGFS
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Loans for consumers and SMEs are provided alongside financial services. | Chennai, India, India | 2008 |
Business Activity of J.A. Finance Ltd.
J.A. Finance Ltd. operates primarily in the financial and insurance service sector. The company has 1 registered business activity segment, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
Detailed business activity records for J.A. Finance Ltd.
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Auditor Details of J.A. Finance Ltd.
J.A. Finance Ltd. is audited by MBAH & CO for the financial year 2020. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| MBAH & CO | Locked | Locked | Locked |
Complete auditor history for J.A. Finance Ltd.
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
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Board of Directors of J.A. Finance Ltd.
J.A. Finance Ltd. is currently managed by 4 directors, with 15 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Dilip Kumar Goyal | Director | 30 Apr 1993 | 33 Years 2 Months | Current |
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Akshay Goyal
Also directs:
J.A. Finance Ltd., Asl Enterprises Limited, Asle Rolling Mills Private Limited and 5 more
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Managing Director | 31 Mar 2014 | 12 Years 3 Months | Current |
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Amit Agarwal
Also directs:
J.A. Finance Ltd., Asl Enterprises Limited
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Director | 14 Aug 2020 | 5 Years 11 Months | Current |
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Deepa Kumari Saha
Also directs:
J.A. Finance Ltd.
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Director | 30 Apr 2025 | 1 Years 2 Months | Current |
Financials of J.A. Finance Ltd. FY 2024 filings available
J.A. Finance Ltd. reported revenue of ₹3.06 Cr (up 42.78% YoY) for FY 2024.
| Metrics | FY 2024 | FY 2023 |
|---|---|---|
| Revenue from Operations | ₹3.06 Cr | ₹2.14 Cr |
| Interest Earned | ₹2.72 Cr | - |
| Other Income | ₹42,000 | ₹3.8 Lakh |
| Total Income | ₹3.06 Cr | ₹2.18 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 |
| Employee Benefit Expense | ₹59.73 Lakh | ₹60.82 Lakh |
| Finance Costs | ₹91.5 Lakh | ₹64.04 Lakh |
| Depreciation & Amortisation | ₹12,000 | ₹12,000 |
| Other Expenses | ₹26.72 Lakh | ₹30.61 Lakh |
| Total Expenses | ₹1.78 Cr | ₹1.56 Cr |
| Profit Before Exceptional Items & Tax | ₹1.28 Cr | ₹62.27 Lakh |
| Exceptional Items | ₹0 | ₹0 |
| Profit Before Tax | ₹1.28 Cr | ₹62.27 Lakh |
| Total Tax Expense | ₹27.28 Lakh | ₹21.71 Lakh |
| Net Profit | ₹1.01 Cr | ₹40.56 Lakh |
| Other Comprehensive Income | -₹1.06 Lakh | -₹7.66 Lakh |
| Total Comprehensive Income | ₹1 Cr | ₹32.9 Lakh |
| EBITDA (computed) | ₹2.2 Cr | ₹1.26 Cr |
| Basic EPS | ₹0.95 | ₹0.38 |
| Diluted EPS | ₹0.95 | ₹0.38 |
| Metrics | FY 2024 | FY 2023 |
|---|---|---|
| Total Assets | ₹27.18 Cr | ₹27.23 Cr |
| Non-current Assets | - | ₹25.8 Lakh |
| Current Assets | - | ₹26.97 Cr |
| Property, Plant & Equipment | ₹29,000 | ₹41,000 |
| Inventories | ₹0 | ₹0 |
| Trade Receivables | - | ₹0 |
| Cash & Equivalents | ₹2.05 Cr | ₹62.48 Lakh |
| Equity (Net Worth) | ₹19.9 Cr | ₹18.9 Cr |
| Equity Share Capital | ₹10.65 Cr | ₹10.65 Cr |
| Borrowings (Non-current) | - | ₹8.13 Cr |
| Borrowings (Current) | - | ₹0 |
| Total Debt (computed) | - | ₹8.13 Cr |
| Current Liabilities | - | ₹0 |
| Total Liabilities | ₹7.28 Cr | ₹8.33 Cr |
| Metrics | FY 2024 | FY 2023 |
|---|---|---|
| Operating Cash Flow | ₹3.77 Cr | -₹1.61 Cr |
| Investing Cash Flow | -₹39.54 Lakh | -₹55.36 Lakh |
| Financing Cash Flow | -₹1.95 Cr | ₹2.77 Cr |
| Capital Expenditure | ₹0 | ₹0 |
| Free Cash Flow (computed) | ₹3.77 Cr | -₹1.61 Cr |
| Dividends Paid | ₹0 | ₹0 |
| Net Change in Cash | ₹1.42 Cr | ₹60.68 Lakh |
| Metrics | Q3 FY25 | Q2 FY25 | Q1 FY25 |
|---|---|---|---|
| Revenue from Operations | ₹58.64 Lakh | ₹58.1 Lakh | ₹68.39 Lakh |
| Interest Earned | ₹57.25 Lakh | ₹56.79 Lakh | ₹58.02 Lakh |
| Other Income | ₹0 | ₹0 | ₹12,000 |
| Total Income | ₹58.64 Lakh | ₹58.1 Lakh | ₹68.51 Lakh |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹15.15 Lakh | ₹15.52 Lakh | ₹15.51 Lakh |
| Finance Costs | ₹7.31 Lakh | ₹7.93 Lakh | ₹11.78 Lakh |
| Depreciation & Amortisation | ₹3,000 | ₹3,000 | ₹3,000 |
| Other Expenses | ₹4.51 Lakh | ₹4.74 Lakh | ₹5.7 Lakh |
| Total Expenses | ₹26.97 Lakh | ₹28.22 Lakh | ₹33.47 Lakh |
| Profit Before Exceptional Items & Tax | ₹31.67 Lakh | ₹29.88 Lakh | ₹35.04 Lakh |
| Exceptional Items | ₹0 | ₹0 | ₹44,000 |
| Profit Before Tax | ₹31.67 Lakh | ₹29.88 Lakh | ₹35.48 Lakh |
| Total Tax Expense | ₹7.94 Lakh | ₹7.45 Lakh | ₹6.55 Lakh |
| Net Profit | ₹23.73 Lakh | ₹22.43 Lakh | ₹28.93 Lakh |
| Other Comprehensive Income | ₹3.57 Lakh | ₹7.82 Lakh | ₹0 |
| Total Comprehensive Income | ₹27.3 Lakh | ₹30.25 Lakh | ₹28.93 Lakh |
| EBITDA (computed) | ₹39.01 Lakh | ₹37.84 Lakh | ₹46.85 Lakh |
| Basic EPS | ₹0.22 | ₹0.21 | ₹0.27 |
| Diluted EPS | ₹0.22 | ₹0.21 | ₹0.27 |
Shareholding Pattern of J.A. Finance Ltd.
As per the shareholding pattern filed with BSE for the quarter ended Mar 2026, promoters hold 59.90%, retail and other public shareholders hold 40.10% of J.A. Finance Ltd.. The company had 937 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% |
| Public | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% |
| Mar 2026 | Mar 2025 | Mar 2024 | |
|---|---|---|---|
| Promoters | 59.90% | 59.90% | 59.91% |
| Public | 40.10% | 40.10% | 40.09% |
| Promoter change (YoY, %pts) | +0.00 | -0.01 | - |
Charges & Borrowings J.A. Finance Ltd.
J.A. Finance Ltd. does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at J.A. Finance Ltd.
View historical data on people associated with J.A. Finance Ltd., including employment history and EPFO contributions.
Employee and EPFO history for J.A. Finance Ltd.
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
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GST Compliance of J.A. Finance Ltd.
GST registrations and filing compliance for J.A. Finance Ltd.
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Credit Ratings, Litigation & Regulatory Alerts for J.A. Finance Ltd.
Credit ratings, litigation, and regulatory alerts for J.A. Finance Ltd.
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- Rating history
- Court and tribunal cases
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MSME Payment Delays by J.A. Finance Ltd.
MSME payment history for J.A. Finance Ltd.
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
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Subsidiaries & Group Companies of J.A. Finance Ltd.
Corporate group structure for J.A. Finance Ltd.
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
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MCA Filings & Documents of J.A. Finance Ltd.
MCA filings and documents for J.A. Finance Ltd.
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
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Recent Activity on J.A. Finance Ltd.
Frequently Asked Questions about J.A. Finance Ltd.
J.A. Finance Ltd. is an active public limited company in the financial services sector based in Kolkata, West Bengal, India. It was incorporated on 30 April 1993 (33+ years old) and is registered under CIN L65999WB1993PLC058703.
J.A. Finance Ltd. reported revenue of ₹3.06 Cr for FY 2024 (up 42.78% YoY) based on standalone BSE filings.
The current directors of J.A. Finance Ltd. are:
- Dilip Kumar Goyal - Director
- Akshay Goyal - Managing Director
- Amit Agarwal - Director
- Deepa Kumari Saha - Director
The primary industry of J.A. Finance Ltd. is financial services. The company specifically operates in investment and credit nbfc. The company is currently active in this sector.
Yes, J.A. Finance Ltd. is a listed company.
J.A. Finance Ltd. can be reached at the registered office: 1St Floor 7B Punwani Chambers Kiran Shankar Roy Road, Kolkata, West Bengal, India – 700001, or through the website jafinance.co.in.