Jeevan Jyoti Micro Finance Association
About Jeevan Jyoti Micro Finance Association
Data last updated:
Jeevan Jyoti Micro Finance Association is a private not for profit company based in Varanasi, Uttar Pradesh, India. It operates in the financial and credit leasing segment of the financial services sector. It was incorporated on 27 September 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U85300UP2016NPL086704.
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Santosh Kumar Bhardwaj and Lov Kumar.
Its last annual general meeting (AGM) was held on 17 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Sa – 9/96 Ka Ghurahupur Sarnath, Varanasi, Uttar Pradesh, India – 221007.
As per the financials filed for FY 2025, the company reported a revenue of ₹23,600, a decline of 53% compared to the previous year. For the same year it recorded a net profit of ₹300 (net margin 1.3%) and EBITDA of ₹400 (EBITDA margin 1.7%). Revenue has declined at a compounded annual rate (CAGR) of 13% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Jeevan Jyoti Micro Finance Association's registered office is in Varanasi, Uttar Pradesh. Its e-mail address is in the company report.
- Email
- Registered AddressSa – 9/96 Ka Ghurahupur Sarnath, Varanasi, Uttar Pradesh, India – 221007
- IndustryFinancial Services, Financial & Credit Leasing
To see the full contact details of Jeevan Jyoti Micro Finance Association, 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
Business activity
The main business activity of Jeevan Jyoti Micro Finance Association 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 Jeevan Jyoti Micro Finance Association, buy the company report.
Financials of Jeevan Jyoti Micro Finance Association
FY 2025 filings availableJeevan Jyoti Micro Finance Association reported revenue of ₹23,600 (down 53% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 13% over three years, including a 53% fall in the latest year. EBITDA fell 60% 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 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA | ₹400 | ||||
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| Net Profit (PAT) | ₹300 | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA Margin | 1.7% | ||||
| Net Profit Margin | 1.3% | ||||
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To see the full financial statements and ratios of Jeevan Jyoti Micro Finance Association, buy the company report.
Board of directors of Jeevan Jyoti Micro Finance Association
Jeevan Jyoti Micro Finance Association 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 |
|---|---|---|---|---|
| Santosh Kumar Bhardwaj | Director | 01 Sep 2020 | 6 Years 1 Months | Current |
| Lov Kumar | Director | 01 Sep 2020 | 6 Years 1 Months | Current |
Peer comparison
Jeevan Jyoti Micro Finance Association is compared with the 3 companies closest to it by revenue in the BFSI industry (Finance, 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 |
|---|---|---|---|---|---|---|
| SHL Finance Limited | ₹23,943 (FY 2025) | -81.0% | Rohtak, Haryana, India | |||
| Ekachakra Hire Purchase and Finance Pvt Ltd | ₹23,625 (FY 2023) | -70.0% | Bodhan, Telangana, India | |||
| Jeevan Jyoti Micro Finance Associationthis company | ₹23,600 (FY 2025) | ₹300 | 1.3% | -53.0% | Varanasi, Uttar Pradesh, India | |
| Tip Top Finance Pvt Ltd. | ₹23,500 (FY 2024) | 6.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Jeevan Jyoti Micro Finance Association, buy the company report.
Shareholding
The shareholding of Jeevan Jyoti Micro Finance Association is on record for FY 2017, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2017 |
|---|---|
| Promoters | |
| Domestic institutional investors (DII) | |
| Foreign institutional investors (FII) | |
| Public | |
| Others |
To see the full shareholding pattern of Jeevan Jyoti Micro Finance Association, buy the company report.
Legal cases
No court or tribunal cases involving Jeevan Jyoti Micro Finance Association are on our record; a case search with case numbers, parties and status is in the company report Buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Jeevan Jyoti Micro Finance Association; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Jeevan Jyoti Micro Finance Association; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Jeevan Jyoti Micro Finance Association has 4 board changes on record since 2020: 2 appointments and 2 cessations. The latest: Rajkumar ceased to be Director on 03 Sep 2020.
Frequently asked questions
Jeevan Jyoti Micro Finance Association is an active private not for profit company based in Varanasi, Uttar Pradesh, India. The company works in financial and credit leasing, within the financial services industry. It was incorporated on 27 September 2016 (10+ years old) and is registered under CIN U85300UP2016NPL086704.
Jeevan Jyoti Micro Finance Association has 2 current directors:
- Santosh Kumar Bhardwaj - Director
- Lov Kumar - Director
The latest financial statements of Jeevan Jyoti Micro Finance Association on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 17 September 2025. Year-wise statements from FY 2017 are in the company report.
The CIN (Corporate Identification Number) of Jeevan Jyoti Micro Finance Association is U85300UP2016NPL086704. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Jeevan Jyoti Micro Finance Association was incorporated on 27 September 2016, making it 10+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Jeevan Jyoti Micro Finance Association by revenue are SHL Finance Limited, Ekachakra Hire Purchase and Finance Pvt Ltd, Tip Top Finance Pvt Ltd, all in the BFSI industry (Finance, Micro Finance), with the same principal business activity (other financial activities).
Rajkumar ceased to be Director on 03 Sep 2020. Lov Kumar was appointed as Director on 01 Sep 2020. Santosh Kumar Bhardwaj was appointed as Director on 01 Sep 2020. Jeevan Jyoti Micro Finance Association has 4 board changes on record in total.
The registered office of Jeevan Jyoti Micro Finance Association is at Sa – 996 Ka Ghurahupur Sarnath, Varanasi, Uttar Pradesh, India – 221007.
Jeevan Jyoti Micro Finance Association operates in the financial services industry, in the financial and credit leasing segment.
The compliance status of Jeevan Jyoti Micro Finance Association is compliant as of 18 July 2026. The company is actively filing with the Registrar of Companies.
Jeevan Jyoti Micro Finance Association can be reached at its registered office: Sa – 996 Ka Ghurahupur Sarnath, Varanasi, Uttar Pradesh, India – 221007.