About Karappara Chit Funds Private Limited
Data last updated:
Karappara Chit Funds Private Limited is a private limited company based in Kottayam, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 11 June 2012 and has been in existence for over 14 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2012PTC031420. Its GSTIN is 32AAECK8658D1ZJ (Kerala).
The company has an authorised share capital of ₹9 Lakh and a paid-up capital of ₹9 Lakh. It is led by directors including Kevin John Alex and Saji John.
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 Thannical Building Ward IX Building No; 886 Kottayam Muncip, Al Town, Kerala, India – 686001.
As per the financials filed for FY 2025, the company reported a revenue of ₹51 Lakh, a growth of 23% compared to the previous year. For the same year it recorded a net profit of ₹14.36 Lakh (net margin 28.2%) and EBITDA of ₹19.5 Lakh (EBITDA margin 38.2%). Revenue has grown at a compounded annual rate (CAGR) of 4% over three years and 9% over five years.
The company is associated with 1 brand: Karappara Chit Funds. As per MCA filings, the company has open charges of ₹15 Lakh 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 karapparachitfunds.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressThannical Building Ward IX Building No; 886 Kottayam Muncip, Al Town, Kerala, India – 686001
- 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 Karappara Chit Funds Private Limited
The main business activity of Karappara Chit Funds 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 Karappara Chit Funds Private Limited FY 2025 filings available
Karappara Chit Funds Private Limited reported revenue of ₹51 Lakh (up 23% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Karappara Chit Funds Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 9% over five years, including 23% growth in the latest year. EBITDA rose 20% 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 Karappara Chit Funds Private Limited
| 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 | ₹19.5 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹14.36 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 | •••• | •••• | •••• | •••• | •••• |
| Cash and Bank Balance | •••• | •••• | •••• | •••• | •••• |
| Total Assets | •••• | •••• | •••• | •••• | •••• |
Financial Ratios of Karappara Chit Funds Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 38.2% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 28.2% | •••• | •••• | •••• | •••• |
| 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 Karappara Chit Funds 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 Karappara Chit Funds Private Limited
Karappara Chit Funds Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Chit Funds, Micro Finance). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Na Muthurajaa Chit Funds Private Limited | ₹51.46 Lakh (FY 2025) | •••• | •••• | 52.0% | •••• | Chennai, Tamil Nadu, India |
| Orange City Urban Nidhi Limited | ₹51.3 Lakh (FY 2023) | •••• | •••• | 50.0% | •••• | Saoner, Maharashtra, India |
| Isra Nidhi Limited | ₹51.3 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | Thrissur, Kerala, India |
| M R J Chits Private Limited | ₹51.3 Lakh (FY 2025) | •••• | •••• | 12.0% | •••• | Cross Road, Bangalore, Karnataka, India |
| Ujala Micro Finance | ₹51.2 Lakh (FY 2025) | •••• | •••• | 101.0% | •••• | Gorakhpur, Uttar Pradesh, India |
| Karappara Chit Funds Private Limited this company | ₹51 Lakh (FY 2025) | •••• | •••• | 23.0% | •••• | Kottayam, Kerala, India |
| Bhumandala Chits Private Limited | ₹50.63 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | Bangalore, Karnataka, India |
| Kurunji Nidhi Limited | ₹50.62 Lakh (FY 2024) | •••• | •••• | -29.0% | •••• | Nagercoil, Tamil Nadu, India |
| Dhanamjai Nidhi Limited | ₹50.46 Lakh (FY 2025) | •••• | •••• | 6.0% | •••• | Thiruvananthapuram, Kerala, India |
| Vee Kay Chits Private Limited | ₹50.32 Lakh (FY 2024) | •••• | •••• | 78.0% | •••• | Lucknow, Uttar Pradesh, India |
| Sukhibhava Chit Fund Private Limited | ₹50.24 Lakh (FY 2025) | •••• | •••• | 8.0% | •••• | Andhra Pradesh, India |
Peers are the five companies nearest above and the five nearest below Karappara Chit Funds by revenue in the BFSI industry (Chit Funds, Micro Finance), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Karappara Chit Funds Private Limited
Karappara Chit Funds Private Limited is audited by K VENKATACHALAM AIYER & CO for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| K VENKATACHALAM AIYER & CO | 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 Karappara Chit Funds Private Limited
Karappara Chit Funds has 4 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Kevin John Alex | Director | 20 Jul 2023 | 3 Years 2 Months | Current |
| Saji John | Director | 11 Jun 2012 | 14 Years 4 Months | Current |
| Sherin Saji John | Director | 11 Jun 2012 | 14 Years 4 Months | Current |
| Mikhael Philip Alex | Additional Director | 19 May 2025 | 1 Years 4 Months | Current |
Ownership and Shareholding of Karappara Chit Funds Private Limited
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 Karappara Chit Funds Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 04 Jan 2020 | Others | ₹15 Lakh | Open |
Total charge records: 1 View all charges
Associated Brands with Karappara Chit Funds Private Limited
Karappara Chit Funds operates one associated brand: Karappara Chit Funds. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Chit fund services for saving and borrowing in India. | karapparachitfunds.com |
Employees and EPFO Compliance at Karappara Chit Funds Private Limited
Employment history and EPFO contributions of people linked to Karappara Chit Funds.
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 Karappara Chit Funds Private Limited
Karappara Chit Funds Private Limited has 5 board changes on record since 2012: 4 appointments and 1 cessation. The latest: Mikhael Philip Alex was appointed as Additional Director on 19 May 2025.
Credit Ratings, Litigation & Regulatory Alerts for Karappara Chit Funds Private Limited
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 Karappara Chit Funds Private Limited
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 Karappara Chit Funds Private Limited
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 Karappara Chit Funds Private Limited
Karappara Chit Funds has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAECK8658D1ZJ | Kerala | Active | 01 Jul 2017 |
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 Karappara Chit Funds Private Limited
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 Karappara Chit Funds Private Limited
Karappara Chit Funds is an active private limited company based in Kottayam, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 11 June 2012 (14+ years old) and is registered under CIN U65992KL2012PTC031420.
Karappara Chit Funds reported revenue of ₹51 Lakh for FY 2025 (up 23% YoY).
Karappara Chit Funds has 4 current directors:
- Kevin John Alex - Director
- Saji John - Director
- Sherin Saji John - Director
- Mikhael Philip Alex - Additional Director
Karappara Chit Funds reported a net profit of ₹14.36 Lakh (net margin 28.2%) and EBITDA of ₹19.5 Lakh (EBITDA margin 38.2%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Karappara Chit Funds is 4% over three years and 9% over five years. In the latest year (FY 2025) revenue rose 23%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Karappara Chit Funds is 32AAECK8658D1ZJ, registered in Kerala.
The CIN (Corporate Identification Number) of Karappara Chit Funds is U65992KL2012PTC031420. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Karappara Chit Funds was incorporated on 11 June 2012, making it 14+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Karappara Chit Funds by revenue are Na Muthurajaa Chit Funds Private Limited, Orange City Urban Nidhi Limited, Isra Nidhi Limited, M R J Chits Private Limited, Ujala Micro Finance and 5 more, all in the BFSI industry (Chit Funds, Micro Finance).
Mikhael Philip Alex was appointed as Additional Director on 19 May 2025. Kevin John Alex was appointed as Director on 20 Jul 2023. Kevin John Alex ceased to be Additional Director on 01 Nov 2021. Karappara Chit Funds has 5 board changes on record in total.
Karappara Chit Funds can be reached through the website karapparachitfunds.com. Its registered office is in Kottayam, Kerala, India.