About Karappara Chit Funds Private Limited
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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.
Company details
Contact details
Karappara Chit Funds Private Limited's registered office is in Kottayam, Kerala. Its website is karapparachitfunds.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressThannical Building Ward IX Building No; 886 Kottayam Muncip, Al Town, Kerala, India – 686001
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Karappara Chit Funds Private Limited, 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
Brands
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 |
Business activity
The main business activity of Karappara Chit Funds 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 Karappara Chit Funds Private Limited, buy the company report.
Financials of Karappara Chit Funds Private Limited
FY 2025 filings availableKarappara Chit Funds Private Limited reported revenue of ₹51 Lakh (up 23% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA | ₹19.5 Lakh | ||||
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| Net Profit (PAT) | ₹14.36 Lakh | ||||
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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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| Profitability | |||||
| EBITDA Margin | 38.2% | ||||
| Net Profit Margin | 28.2% | ||||
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To see the full financial statements and ratios of Karappara Chit Funds Private Limited, buy the company report.
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 3 Months | Current |
| Saji John | Director | 11 Jun 2012 | 14 Years 5 Months | Current |
| Sherin Saji John | Director | 11 Jun 2012 | 14 Years 5 Months | Current |
| Mikhael Philip Alex | Additional Director | 19 May 2025 | 1 Years 5 Months | Current |
Peer comparison
Karappara Chit Funds Private Limited is compared with the 7 companies closest to it by revenue in the BFSI industry (Chit Funds, 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 |
|---|---|---|---|---|---|---|
| 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 Limitedthis company | ₹51 Lakh (FY 2025) | ₹14.36 Lakh | 28.2% | 23.0% | Kottayam, Kerala, India | |
| Kurunji Nidhi Limited | ₹50.62 Lakh (FY 2024) | -29.0% | Nagercoil, Tamil Nadu, India | |||
| Vee Kay Chits Private Limited | ₹50.32 Lakh (FY 2024) | 78.0% | Lucknow, Uttar Pradesh, India |
To see the full peer comparison of Karappara Chit Funds Private Limited, buy the company report.
Auditor
Karappara Chit Funds Private Limited is audited by K VENKATACHALAM AIYER & CO for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| K VENKATACHALAM AIYER & CO | FY 2023 | 004610S |
Shareholding
The shareholding of Karappara Chit Funds Private Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Karappara Chit Funds Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 04 Jan 2020 | 100316065 | Others | ₹15 Lakh | Open |
Total charge records: 1 View all charges
Legal cases
No court or tribunal cases involving Karappara Chit Funds Private Limited 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 Karappara Chit Funds Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Karappara Chit Funds has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAECK8658D1ZJ | Kerala | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Karappara Chit Funds Private Limited, buy the company report.
Recent activity
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.
Frequently asked questions
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 has 4 current directors:
- Kevin John Alex - Director
- Saji John - Director
- Sherin Saji John - Director
- Mikhael Philip Alex - Additional Director
The latest financial statements of Karappara Chit Funds on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
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 2 more, all in the BFSI industry (Chit Funds, Micro Finance), with the same principal business activity (other financial activities).
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.
The registered office of Karappara Chit Funds is at Thannical Building Ward IX Building No; 886 Kottayam Muncip, Al Town, Kerala, India – 686001.
Karappara Chit Funds operates in the financial services industry, in the microfinance institutions segment.
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