MSME (Udyam registered) Ministry of MSME
- Udyam number
- UDYAM-TN-12-0022386
Dhanam Investment and Finance Private Limited - financial services in Coimbatore, Tamil Nadu, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹21.14 Cr
▼ 4% YoY
Net profit · FY 2025
₹40.58 Lakh
Net margin 1.9%
EBITDA · FY 2025
₹10.58 Cr
EBITDA margin 50.1%
Authorised capital
₹25 Cr
Registered with MCA
Paid-up capital
₹18.4 Cr
Issued & subscribed
Open charges
₹70.65 Cr
Satisfied ₹99.92 Cr
Company age
10 yrs
Est. 2016
Directors on board
4
As per MCA filings
About Dhanam Investment and Finance Private Limited
Data last updated:
Dhanam Investment and Finance Private Limited is a private limited company based in Coimbatore, Tamil Nadu, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 24 October 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Coimbatore, under CIN U64920TZ2016PTC031308. Its GSTIN is 33AAGCK3310G1Z2 (Tamil Nadu). The company holds 3 GST registrations, all of them active.
The company has an authorised share capital of ₹25 Cr and a paid-up capital of ₹18.4 Cr. It is led by directors including Gopalakrishnan Avinash (Managing Director) and Venkataraman Sankar.
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 22/3 2nd Street Nehru Nagar Behind Cms School Ganapathy Coimbatore Tamil Nadu India, Tamil Nadu, India – 641006.
As per the financials filed for FY 2025, the company reported a revenue of ₹21.14 Cr, a decline of 4% compared to the previous year. For the same year it recorded a net profit of ₹40.58 Lakh (net margin 1.9%) and EBITDA of ₹10.58 Cr (EBITDA margin 50.1%). Revenue has grown at a compounded annual rate (CAGR) of 13% over three years and 28% over five years.
The company is associated with 2 brands: Kiara Microcredit and KMCL. As per MCA filings, the company has open charges of ₹70.65 Cr and satisfied charges of ₹99.92 Cr on record. Court records list 10 cases involving the company, including 3 filed by the company and 7 filed against it; 7 cases are pending. The company has 9 deals on record (5 secondary share transfers, 3 funding rounds, 1 rights issue), with disclosed funding of ₹9 Cr; the latest was in June 2022. Its 6 peer companies in the BFSI industry (Finance, NBFC), with the same principal business activity (other financial activities) are compared by revenue, 4 larger and 2 smaller; the largest is Goldline Finance Private Limited with revenue of ₹21.26 Cr.
Dhanam Investment and Finance Private Limited is registered as an MSME under the Udyam registration framework (Reg. No. UDYAM-TN-12-0022386). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website kiaramicrocreditweb.com.
Company details
CIN U64920TZ2016PTC031308
Registration Number 031308
Incorporation Date 24 October 2016
ROC Coimbatore
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification MSME
Udyam Registration UDYAM-TN-12-0022386
CIN history
Dhanam Investment and Finance has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is U64920TZ2016PTC031308, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U64920TZ2016PTC031308 | Current |
| U65900TZ2016PTC031308 | Previous |
| U65900TN2016PTC113034 | Previous |
Key People
Gopalakrishnan Avinash Managing Director Venkataraman Sankar Director Gokul Govindarajan Director Recognitions & Rankings of Dhanam Investment and Finance
Contact details
Dhanam Investment and Finance Private Limited's registered office is in Coimbatore, Tamil Nadu. Its website is kiaramicrocreditweb.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Apps
- Registered Address22/3 2nd Street Nehru Nagar Behind Cms School Ganapathy Coimbatore Tamil Nadu India, Tamil Nadu, India – 641006
- IndustryFinancial Services, NBFC, Microfinance Institutions
To see the full contact details of Dhanam Investment and Finance Private Limited, buy the company report.
Comprehensive company report
Dhanam Investment and Finance Private Limited - one report that includes everything
- 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
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Brands
Dhanam Investment and Finance operates two associated brands: Kiara Microcredit and KMCL. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Operates an online platform offering micro loans to individuals. | kiaramicrocreditweb.com | |
| Offers microcredit services to low-income individuals and businesses. | kiaramfi.com |
Business activity
The main business activity of Dhanam Investment and Finance 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 Dhanam Investment and Finance Private Limited, buy the company report.
Financials of Dhanam Investment and Finance Private Limited
FY 2025 filings availableDhanam Investment and Finance Private Limited reported revenue of ₹21.14 Cr (down 4% YoY) for FY 2025.
Revenue · FY 2025
₹21.14 Cr ▼ 4%
Net profit · FY 2025
₹40.58 Lakh margin 1.9%
EBITDA · FY 2025
₹10.58 Cr margin 50.1%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 4%
3 years · compounded
▲ 13%
5 years · compounded
▲ 28%
EBITDA CAGR growth
1 year
▼ 12%
3 years · compounded
▲ 13%
5 years · compounded
▲ 21%
Revenue fell 4% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 28%. EBITDA fell 12% 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 | ₹10.58 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹40.58 Lakh | ||||
| Balance Sheet | |||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 50.1% | ||||
| Net Profit Margin | 1.9% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of Dhanam Investment and Finance Private Limited, buy the company report.
Board of directors of Dhanam Investment and Finance Private Limited
Dhanam Investment and Finance has 4 directors on record. No former directors are listed.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Venkataraman Sankar Also directs: Panpoli Farms and Resorts Private Limited | Director | 24 Oct 2016 | 10 Years 0 Months | Current |
| Gokul Govindarajan | Director | 04 Aug 2018 | 8 Years 2 Months | Current |
| Gopalakrishnan Avinash | Managing Director | 24 Oct 2016 | 10 Years 0 Months | Current |
| Gunasekaran | Additional Director | 13 Apr 2026 | 0 Years 6 Months | Current |
Peer comparison
Dhanam Investment and Finance Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Finance, NBFC), 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 |
|---|---|---|---|---|---|---|
| Goldline Finance Private Limited | ₹21.26 Cr (FY 2024) | 107.0% | Delhi, India | |||
| Green Malabar Finance Ventures Limited | ₹21.23 Cr (FY 2025) | -2.0% | Chennai, Tamil Nadu, India | |||
| Sapphire Global Finance Private Limited | ₹21.18 Cr (FY 2025) | 44.0% | Kolkata, West Bengal, India | |||
| Deccan Finance Limited | ₹21.15 Cr (FY 2024) | 6.0% | Chennai, Tamil Nadu, India | |||
| Dhanam Investment and Finance Private Limitedthis company | ₹21.14 Cr (FY 2025) | ₹40.58 Lakh | 1.9% | -4.0% | Coimbatore, Tamil Nadu, India | |
| Techaviom Finance Private Limited | ₹20.98 Cr (FY 2025) | 80.0% | New Delhi, Delhi, India | |||
| Banas Finance Ltd | ₹20.88 Cr (FY 2023) | -79.0% | Mumbai, Maharashtra, India |
To see the full peer comparison of Dhanam Investment and Finance Private Limited, buy the company report.
Auditor
Dhanam Investment and Finance Private Limited is audited by AVK& CO for the financial year 2024.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| AVK& CO | FY 2024 | 020230N |
Shareholding
The shareholding of Dhanam Investment and Finance Private Limited is on record for 5 financial years, the latest being FY 2024, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Dhanam Investment and Finance Private Limited, buy the company report.
Charges & borrowings
Open charges
₹70.65 Cr
Satisfied charges
₹99.92 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 03 Jun 2026 | 101312945 | Others | ₹2.72 Cr | Open | |
| 02 Apr 2026 | 101279965 | Others | ₹2.35 Cr | Open | |
| 27 Feb 2026 | 101255235 | Others | ₹7.5 Cr | Open | |
| 05 Feb 2026 | 101251550 | Others | ₹4.85 Cr | Open | |
| 15 Nov 2025 | 101198143 | Others | ₹4.28 Cr | Open |
To see the full charge records of Dhanam Investment and Finance Private Limited, buy the company report.
Total charge records: 60 View all charges
Deals & funding
Dhanam Investment and Finance Private Limited has 9 deals on record (5 secondary share transfers, 3 funding rounds, 1 rights issue), with disclosed funding of ₹9 Cr; the latest was in June 2022.
Total deals
9
Secondary share transfers
5
Funding rounds
3
Rights issue
1
Disclosed funding
₹9 Cr
Deals on record (5 of 9)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Jun 2022 | Funding round | ₹1 Cr | Investors: 4 individuals |
| Mar 2021 | Funding round | ₹4 Cr | Investors: 4 individuals |
| May 2020 | Secondary share transfer | Undisclosed | Buyer: an individual Seller: an individual |
| Feb 2019 | Funding round | ₹4 Cr | Investors: Kiara Fluorchem Private Limited , 3 individuals |
| Jan 2017 | Rights issue | ₹4.99 Cr | Investors: Kiara Fluorchem Private Limited , 3 individuals |
To see the full deal history of Dhanam Investment and Finance Private Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Dhanam Investment and Finance Private Limited has 10 court cases on record: 3 filed by Dhanam Investment and Finance, 7 filed against it. 7 cases are pending and 3 are disposed.
Total cases
10
Filed by the company
3
Filed against the company
7
Pending
7
Disposed
3
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 5 | 3 | 5 |
| High courts | 4 | 3 | 2 |
| Supreme Court | 1 | 1 | 0 |
Cases on record (5 of 10)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Coimbatore, Tamil Nadu | Court case (IP) | Filed against the company | Pending |
| District court, Erode, Tamil Nadu | Court case (IP) | Filed against the company | Pending |
| District court, Coimbatore, Tamil Nadu | Civil suit | Filed by the company against an individual | Pending |
| Madras High Court | Appeal | Filed against the company by M/S.Mahasemam Trust | Pending |
| District court, Tenkasi, Tamil Nadu | Court case (IP) | Filed against the company | Pending |
To see the full case history of Dhanam Investment and Finance Private Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Dhanam Investment and Finance Private Limited was last rated by Brickwork on 20 Dec 2021.
| Rating agency | Rated on | Rating |
|---|---|---|
| Brickwork | 20 Dec 2021 |
To see the full credit ratings and regulatory alerts of Dhanam Investment and Finance Private Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Dhanam Investment and Finance Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Dhanam Investment and Finance has 3 GST registrations: 3 active.
Total GSTINs
3
Active
3
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AAGCK3310G1Z2 | Tamil Nadu | Active | 10 Oct 2019 |
| 21AAGCK3310G1Z7 | Odisha | Active | 12 Dec 2019 |
| 32AAGCK3310G1Z4 | Kerala | Active | 26 Mar 2020 |
To see the full GST registrations and return filing status of Dhanam Investment and Finance Private Limited, buy the company report.
Recent activity
Dhanam Investment and Finance Private Limited has 4 board changes on record since 2016: 4 appointments. The latest: Gunasekaran was appointed as Additional Director on 13 Apr 2026.
Charges
A charge registered on 29 Feb 2024 via Charge ID 100894830 with Others was fully satisfied on 08 Sep 2026.
Charges
A charge registered on 25 Oct 2024 via Charge ID 101002713 with Others was fully satisfied on 20 Aug 2026.
Charges
A charge registered on 30 Jan 2025 via Charge ID 101049939 with Others was fully satisfied on 13 Aug 2026.
Charges
A charge registered on 30 Jul 2024 via Charge ID 100959317 with Others was fully satisfied on 03 Aug 2026.
Charges
A charge with Others of Rs. 2.72 Cr registered on 03 Jun 2026 with Charge ID 101312945 was modified on 17 Jul 2026.
Charges
A charge with Others amounted to Rs. 2.72 Cr with Charge ID 101312945 was registered on 03 Jun 2026.
Charges
A charge registered on 26 Sep 2024 via Charge ID 100989217 with Others was fully satisfied on 27 May 2026.
Appointed
Gunasekaran was appointed as Additional Director.
Charges
A charge with Others amounted to Rs. 2.35 Cr with Charge ID 101279965 was registered on 02 Apr 2026.
Charges
A charge with Others of Rs. 10.00 Cr registered on 25 Oct 2024 with Charge ID 101002713 was modified on 31 Mar 2026.
Charges
A charge with Others of Rs. 2.85 Cr registered on 25 Mar 2021 with Charge ID 100439302 was modified on 29 Mar 2026.
Charges
A charge with Others of Rs. 2.05 Cr registered on 11 Nov 2020 with Charge ID 100399163 was modified on 29 Mar 2026.
99 earlier events are in the company report.
Frequently asked questions
Dhanam Investment and Finance is an active private limited company based in Coimbatore, Tamil Nadu, India. The company works in nbfc, within the financial services industry. It was incorporated on 24 October 2016 (10+ years old) and is registered under CIN U64920TZ2016PTC031308.
Dhanam Investment and Finance has 4 current directors:
- Gopalakrishnan Avinash - Managing Director
- Venkataraman Sankar - Director
- Gokul Govindarajan - Director
- Gunasekaran - Additional Director
The latest financial statements of Dhanam Investment and Finance 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 FY 2017 are in the company report.
The GSTIN of Dhanam Investment and Finance is 33AAGCK3310G1Z2, registered in Tamil Nadu. The company has 3 GST registrations in all, of which 3 are active. Other active GSTINs include 21AAGCK3310G1Z7 (Odisha), 32AAGCK3310G1Z4 (Kerala).
The CIN (Corporate Identification Number) of Dhanam Investment and Finance is U64920TZ2016PTC031308. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Dhanam Investment and Finance has 10 court cases on record: 3 filed by the company and 7 filed against it. 7 are pending. Most are in the district courts.
Dhanam Investment and Finance was incorporated on 24 October 2016, making it 10+ years old. It is registered with the Registrar of Companies, Coimbatore.
Dhanam Investment and Finance has 9 deals on record (5 secondary share transfers, 3 funding rounds, 1 rights issue), with disclosed funding of ₹9 Cr; the latest was in June 2022.
The peers of Dhanam Investment and Finance by revenue are Goldline Finance Private Limited, Green Malabar Finance Ventures Limited, Sapphire Global Finance Private Limited, Deccan Finance Limited, Techaviom Finance Private Limited and 1 more, all in the BFSI industry (Finance, NBFC), with the same principal business activity (other financial activities).
Gunasekaran was appointed as Additional Director on 13 Apr 2026. Gokul Govindarajan was appointed as Director on 04 Aug 2018. Gopalakrishnan Avinash was appointed as Managing Director on 24 Oct 2016. Dhanam Investment and Finance has 4 board changes on record in total.
Yes, Dhanam Investment and Finance is registered as an MSME under Udyam registration (number: UDYAM-TN-12-0022386).