Jagaran Microfin Private Limited

Jagaran Microfin Private Limited - financial services in Kolkata, West Bengal, India. FY 2026 financials and compliance.
CIN U74210WB1993PTC057457 Incorporated 12 January 1993 ROC Kolkata HQ Kolkata, West Bengal, India
Active Private Limited Company financial services
Data last updated
Revenue · FY 2024
₹77.67 Cr
▲ 15.00% YoY
EBITDA · FY 2024
*****
▼ 89.00% YoY
Net profit · FY 2024
*****
▼ 1302.00% YoY
Authorised capital
₹100 Cr
Registered with MCA
Paid-up capital
₹72.93 Cr
Issued & subscribed
Open charges
₹589.88 Cr
Satisfied ₹1,949.35 Cr
Company age
33 yrs
Est. 1993
Employees · EPFO
776
Latest available

About Jagaran Microfin Private Limited

Data last updated: 11 January 2026

Jagaran Microfin Private Limited is a private limited company based in Kolkata, West Bengal, India, a subsidiary of Gtfs Multi Services Limited. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 12 January 1993, the company has been in operation for over 33 years.

Registered with ROC Kolkata under CIN U74210WB1993PTC057457.

Capital: an authorised share capital of ₹100 Cr and a paid-up capital of ₹72.93 Cr. Formerly known as Sbt Consultants Pvt Ltd. It is led by directors including Sourav Ghosh and Subrata Gupta.

Last AGM: 26 September 2025. Financial statements filed for year ended 31 March 2025. Office: 5Th Floor 38 Hemanta Basu Sarani, Kolkata, West Bengal, India – 700001.

As per the financials filed for FY 2024, the company reported a revenue of ₹77.67 Cr, a growth of 15% compared to the previous year.

The company has a workforce of approximately 776 employees as per the latest available data. It operates as a subsidiary of Gtfs Multi Services Limited.

The company is associated with 1 brand - Jagaran Microfin. As per MCA filings, the company has open charges of ₹589.88 Cr and satisfied charges of ₹1,949.35 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 jagaranmf.com.

Company Details of Jagaran Microfin Private Limited
CIN U74210WB1993PTC057457
Registration Number 057457
Incorporation Date 12 January 1993
ROC Kolkata
Listing Status Unlisted
Company Status Active
Date of Last AGM 26 September 2025
Date of Balance Sheet 31 March 2025
Parent Company Gtfs Multi Services Limited
Compliance Status Active Compliant
Key People
Jaydeep Ghosh Managing Director Sourav Ghosh Whole-Time Director Aatreyee Majumder Whole-Time Director
Contact Details
  • Email
    *****@*****.com
  • Telephone
    +91-****-******
  • Website
    jagaranmf.com
  • Social Media
    **************
  • Registered Address
    5Th Floor 38 Hemanta Basu Sarani, Kolkata, West Bengal, India – 700001
  • Industry
    Financial Services, Microfinance Institutions, NBFC
Company report
Jagaran Microfin Private Limited - full intelligence report
  • Historical Financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Litigation, compliance and MCA filings
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Financials, compliance, directors, charges, ownership and filings for Jagaran Microfin Private Limited in one report.

10-year financials Directors & ownership Charges & compliance

Associated Brands with Jagaran Microfin Private Limited

Jagaran Microfin Private Limited operates one associated brand: Jagaran Microfin. These brands represent Jagaran Microfin Private Limited's diversified market presence and brand portfolio.

Brand Description Website
Jagaran Microfin
Micro loans are provided to low-income women in West Bengal. jagaranmf.com

Competitors & Alternatives of Jagaran Microfin Private Limited

Brands and companies operating in the same space as Jagaran Microfin Private Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.

Competitor Description Location Founded
AU Small Finance Bank AU Small Finance Bank Collateralised loans for commercial vehicles are extended to rural entrepreneurs. Jaipur, India, India 1996
Ujjivan Small Finance Bank Ujjivan Small Finance Bank Small finance services are extended to underserved segments in India. Bengaluru, India, India 2005
ESAF ESAF Microfinance banking services are offered in India by ESAF. Thrissur, India, India 1992
Jana Small Finance Bank Jana Small Finance Bank Microfinance bank Bengaluru, India, India 1999
Suryoday Suryoday Small finance bank offering savings accounts, deposits, and loan products Mumbai, India, India 2008
Equitas Small Finance Bank Equitas Small Finance Bank Small finance bank Chennai, India, India 2007
Utkarsh Bank Utkarsh Bank Small finance bank Varanasi, India, India 2009
Capital Small Finance Bank Capital Small Finance Bank Microfinance services including savings accounts and loans are provided. Jalandhar, India, India 2016
Satin Creditcare Satin Creditcare Micro loans for businesses are offered by this NBFC. Delhi, India, India 1990
Fincare Small Finance Bank Fincare Small Finance Bank Micro-finance bank Bengaluru, India, India 2007

Business Activity of Jagaran Microfin Private Limited

Jagaran Microfin Private Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including 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 *********

Auditor Details of Jagaran Microfin Private Limited

Jagaran Microfin Private Limited is audited by LODHA & CO for the financial year 2023. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.

Name Status Appointment Date Cessation Date
LODHA & CO blur-value blur-value blur-value

Board of Directors of Jagaran Microfin Private Limited

Jagaran Microfin Private Limited is currently managed by 11 directors, with 33 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
Name Designation Appointment Date Tenure Status
Sourav Ghosh
Also directs: Citi Abasan Private Limited, Vision Conclave Private Limited, Gomati Constructions Private Limited and 5 more
Whole-Time Director 08 Mar 2019 7 Years 4 Months Current
Subrata Gupta Director 11 Apr 2022 4 Years 3 Months Current
Aatreyee Majumder
Also directs: Ishari Apparel Llp, Citi Awas Private Limited, Shankar Realcon Private Limited and 3 more
Whole-Time Director 14 Nov 2019 6 Years 7 Months Current
Rana Som
Also directs: Midwest Limited, Sumedha Fiscal Services Ltd, Bengal Birbhum Coalfields Limited and 5 more
Director 28 Sep 2021 4 Years 9 Months Current
Sandip Das
Also directs: Gtfs Multi Services Limited, Astha Insurance Services Private Limited
Nominee Director 24 Jun 2024 2 Years 0 Months Current
Anuradha Gupta
Also directs: Mcnally Bharat Engg Co Ltd, Weegro Bc Private Limited, Asa International India Microfinance Limited and 1 more
Director 16 May 2024 2 Years 1 Months Current
Showing 6 of 11 current directors. View all directors

Financials of Jagaran Microfin Private Limited FY 2025 filings available

Jagaran Microfin Private Limited reported revenue of ₹77.67 Cr (up 15% YoY) for FY 2024. Profit growth despite declining revenue indicates effective cost management and margin discipline.

Revenue
₹77.67 Cr ▲ 15%
Profit
***** ▼ -1302%
EBITDA
***** ▼ -89%
Metrics
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Revenue
Revenue from Operations
*****
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Revenue Growth %
*****
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Other Income
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Total Revenue
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Expenses
Total Expenses
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Raw Material Cost
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Change in Inventory FG
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Change in Inventory WIP
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Purchase of Traded Goods
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Employee Cost
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Managerial Remuneration
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Audit Fees
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Insurance
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Power & Fuel
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Interest
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Depreciation
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Other Expenses
*****
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Profitability
EBITDA (Operating Profit)
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Operating Margin %
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Exceptional Items
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Extraordinary Items
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Profit Before Exceptional & Extraordinary Items
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Profit Before Tax
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Tax & Net Profit
Tax Expense
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Current Tax
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Deferred Tax
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Profit from Discontinued Operations
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Tax on Discontinued Operations
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Profit
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Net Margin %
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Metrics
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Shareholders' Funds
Total Shareholders' Funds
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Equity Capital
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Reserves & Surplus
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Money Against Warrants
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Other Equity
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Non-Current Liabilities
Total Non-Current Liabilities
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Long-Term Borrowings
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Deferred Tax Liabilities
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Other Non-Current Liabilities
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Long-Term Provisions
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Current Liabilities
Total Current Liabilities
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Short-Term Borrowings
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Trade Payables
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Other Current Liabilities
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Short-Term Provisions
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Total Equity & Liabilities
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Non-Current Assets
Non-Current Assets
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Tangible Assets
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Intangible Assets
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Capital WIP
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Intangibles Under Dev
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Investments
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Deferred Tax Assets
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LT Loans & Advances
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Other Non-Current Assets
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Current Assets
Current Assets
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Current Investments
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Inventories
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Trade Receivables
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Cash & Bank Balance
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ST Loans & Advances
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Other Current Assets
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Total Assets
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Metrics
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Cash from Operating Activities (CFO)
Profit Before Tax
*****
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Non-Cash Adjustments
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+ Interest Expense
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+ Depreciation
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+/- Unrealized Forex
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- Dividend Income
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- Interest Income
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+/- Other Non-Cash Items
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Changes in Working Capital
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+/- Inventory
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+/- Debtors
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+/- Creditors
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Reconciliation Adjustments
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Cash Generated from Operations
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Income Taxes Paid
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Net CFO (Cash from Operations)
*****
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Cash from Investing Activities (CFI)
Acquisitions & Disposals
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Disposal of Subsidiaries
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Acquisition of Subsidiaries
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Capex
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Purchase of Fixed Assets
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Sale of Fixed Assets
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Other Investing Cash Flows
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Net CFI (Cash from Investing)
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Cash from Financing Activities (CFF)
Equity Issuance
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Debt Raised
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Debt Repaid
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Dividends Paid
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Interest Paid
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Net CFF (Cash from Financing)
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Net Cash Position
Net Change in Cash (Pre-Forex)
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Closing Cash & Equivalents
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Metrics
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Liquidity
Current Ratio
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Quick Ratio
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Cash Ratio
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Efficiency
Inventory Days
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Debtor Days
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Creditor Days
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Cash Conversion Cycle
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Asset Turnover
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Profitability
Net Profit Margin %
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Operating Margin %
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ROE %
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ROCE %
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Net Worth Margin %
*****
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Growth
Revenue Growth %
*****
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Leverage
Equity Multiplier
*****
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Debt / EBITDA
*****
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*****
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Solvency
D/E Ratio
*****
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ICR
*****
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*****
*****

Consolidated Statements

Income Statement, Balance Sheet, Cash Flow & Ratios available in the full report.

Unlock Complete Financial History (FY 2015 – Latest)
Standalone & Consolidated - Income Statement, Balance Sheet, Cash Flow, Financial Ratios and Growth Trends with 10+ years of line-item data.
10+ years of data Line-item breakdown Balance Sheet detail Cash Flow analysis 20+ ratios & metrics Downloadable PDF

Shareholding Pattern of Jagaran Microfin Private Limited

As of FY 2023, Jagaran Microfin Private Limited's shareholding pattern shows 92.70% by promoters, 7.30% by public shareholders. The promoters hold a majority stake, indicating strong promoter control.

2025
YEAR
38.19% Promoters
25.22% DII (Domestic Institutional)
10.28% FII (Foreign Institutional)
25.89% Public
2.42% Others
Shareholding Trend
Year 2025
Promoters 33.19%
DII 23.22%
FII 18.28%
Public 22.89%
Others 2.42%

Charges & Borrowings of Jagaran Microfin Private Limited

Open charges
₹589.88 Cr
Satisfied charges
₹1,949.35 Cr
Breakdown by lending institutions
Others₹535.38 Cr
Indian Overseas Bank₹30.00 Cr
Reliance Capital Ltd₹10.00 Cr
Uco Bank₹7.50 Cr
Dhanlaxmi Bank Limited₹5.00 Cr
Others₹2.00 Cr
Latest charge details
DateLenderAmountStatus
08 Dec 2025 Others ₹5 Cr Open
27 Nov 2025 Others ₹6 Cr Open
18 Jul 2025 Others ₹5 Cr Open
24 Mar 2025 Others ₹25 Cr Open
05 Feb 2025 Others ₹4.88 Cr Open

Total charge records: 226 View all charges

Employees and EPFO Compliance at Jagaran Microfin Private Limited

Jagaran Microfin Private Limited has a workforce of 776 employees as of Apr 08, 2024.

Employee count
776
Active EPFO establishments
1
Employee growth
5.43%
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Employee Count & EPFO Data of Jagaran Microfin Private Limited

Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.

Monthly employee headcount & PF contributions
EPFO establishment details & ECR filing status
Year-wise workforce analytics & attrition trends
PF exemption, coverage & compliance verification

GST Compliance of Jagaran Microfin Private Limited

XX%
Compliant
GSTR-1
GSTR-3B
GSTR-9
MH
KA
UP
TN
TS

GSTIN & GST Filing Data of Jagaran Microfin Private Limited

Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.

GSTIN registrations & state-wise presence
Filing compliance - GSTR-1, GSTR-3B, GSTR-9
HSN/SAC codes with goods & services details
Taxpayer type, jurisdiction & business constitution

Credit Ratings, Litigation & Regulatory Alerts for Jagaran Microfin Private Limited

Credit rating
AAA
AA+
AA
AA-
! !
2015 2017 2019 2021 2023
Litigation
District Court 35
High Court 45
Supreme Court 0
NCLT / NCLAT 0
Pending
Disposed
Regulatory alerts
GSTIN Cancelled
Andhra Pradesh
GSTIN Cancelled
Telangana (on application)
EPFO Delay
12 months delay - Haryana
Violations via Directors
20 MCA + 19 Bank defaults

Credit Ratings, Legal Cases & Regulatory Alerts of Jagaran Microfin Private Limited

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Credit rating history across CARE, ICRA, Brickwork & India Ratings
Instrument-wise ratings, outlook & action timeline
Court-wise litigation (District, High Court, Supreme Court, NCLT)
Group company & common directorship litigation
Statutory compliance alerts (GSTIN, EPFO, ROC)
Director & company violations (MCA, SEBI, Banks, BSE/NSE)

MSME Payment Delays by Jagaran Microfin Private Limited

MSME Payment Delays by Jagaran Microfin Private Limited

Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.

Amounts outstanding to MSME suppliers
Delay periods & reasons for delayed payments
Half-yearly MSME-1 filing history
Vendor-payment behaviour as a counterparty risk signal

Subsidiaries & Group Companies of Jagaran Microfin Private Limited

Subsidiaries & Group Companies of Jagaran Microfin Private Limited

See the full corporate group - holding company, subsidiaries, associates and joint ventures of Jagaran Microfin Private Limited with ownership details.

Holding & parent company details
Subsidiaries & step-down subsidiaries with % holding
Associates & joint ventures with partner details
Investments in other entities year-on-year

MCA Filings & Documents of Jagaran Microfin Private Limited

MCA Filings & Documents of Jagaran Microfin Private Limited

Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.

Incorporation documents, MoA & AoA
Annual returns (MGT-7) & financial statements (AOC-4)
Charge filings (CHG-1, CHG-4) & resolutions
Complete document index with filing dates

Recent Activity on Jagaran Microfin Private Limited

Charges
08 Dec 2025
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101197108 was registered on 08 Dec 2025.
Charges
03 Dec 2025
A charge registered on 09 Feb 2023 via Charge ID 100687409 with Others was fully satisfied on 03 Dec 2025.
Charges
03 Dec 2025
A charge registered on 26 Sep 2022 via Charge ID 100613619 with State Bank Of India was fully satisfied on 03 Dec 2025.
Charges
27 Nov 2025
A charge with Others amounted to Rs. 6.00 Cr with Charge ID 101196600 was registered on 27 Nov 2025.
Charges
25 Nov 2025
A charge with Others of Rs. 4.88 Cr registered on 05 Feb 2025 with Charge ID 101048096 was modified on 25 Nov 2025.
Charges
25 Nov 2025
A charge with Others of Rs. 7.50 Cr registered on 01 Aug 2024 with Charge ID 100958088 was modified on 25 Nov 2025.

Recent News on Jagaran Microfin Private Limited

Frequently Asked Questions about Jagaran Microfin Private Limited

Jagaran Microfin Private Limited is an active private limited company in the financial services sector based in Kolkata, West Bengal, India. It was incorporated on 12 January 1993 (33+ years old) and is registered under CIN U74210WB1993PTC057457. The company has 776 employees.

Jagaran Microfin Private Limited reported revenue of ₹77.67 Cr for FY 2024 (up 15.00% YoY).

The current directors of Jagaran Microfin Private Limited are:

The primary industry of Jagaran Microfin Private Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.

Jagaran Microfin Private Limited can be reached at the registered office: 5Th Floor 38 Hemanta Basu Sarani, Kolkata, West Bengal, India – 700001, or through the website jagaranmf.com.

The authorised capital is ₹100 Cr, and the paid-up capital is ₹72.93 Cr.

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