About Light Microfinance Private Limited
Data last updated:
Light Microfinance Private Limited is a private limited company based in New, Delhi, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 20 September 1994 and has been in existence for over 32 years.
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN U67120DL1994PTC216764. Its GSTIN is 24AABCK0178P1ZB (Gujarat). The company holds 10 GST registrations, all of them active.
The company has an authorised share capital of ₹154.5 Cr and a paid-up capital of ₹107.8 Cr. It was formerly known as ` and K.K.Finbuilds Private Limited. It is led by directors including Deepak Ishwarbhai Amin (Managing Director) and Daksha Niranjan Shah.
Its last annual general meeting (AGM) was held on 23 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 308 Aggarwal Tower Plot No. 2 Sector – 5 Dwarka, New, Delhi, India – 110075.
As per the financials filed for FY 2025, the company reported a revenue of ₹494.93 Cr, a decline of 5% compared to the previous year. For the same year it recorded a net profit of ₹4.82 Cr (net margin 1%) and EBITDA of ₹229.15 Cr (EBITDA margin 46.3%). Revenue has grown at a compounded annual rate (CAGR) of 44% over three years and 45% over five years.
The company has about 3,637 employees on its provident fund (EPFO) records. Its group structure includes 1 subsidiary.
The company is associated with 3 brands: LightMoney, Light Microfinance and Light. As per MCA filings, the company has open charges of ₹1,937.34 Cr and satisfied charges of ₹3,409.36 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 lightmicrofinance.com.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered Address308 Aggarwal Tower Plot No. 2 Sector – 5 Dwarka, New, Delhi, India – 110075
- IndustryFinancial Services, Microfinance Institutions, NBFC
- 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
Name History of Light Microfinance Private Limited
Light Microfinance has undergone 2 name changes throughout its history. The company was previously known as `, and K.K.Finbuilds Private Limited. The current legal name is Light Microfinance Private Limited.
| Company Name | Status |
|---|---|
| Light Microfinance Private Limited | Current |
| ` | Previous |
| K.K.Finbuilds Private Limited | Previous |
CIN History of Light Microfinance Private Limited
Light Microfinance has one previous CIN (Corporate Identification Number): U67120RJ1994PTC008808. The current CIN is U67120DL1994PTC216764, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U67120DL1994PTC216764 | Current |
| U67120RJ1994PTC008808 | Previous |
Associated Brands with Light Microfinance Private Limited
Light Microfinance operates multiple associated brands including LightMoney, Light Microfinance, and Light. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides customized loans, working capital, and financial solutions to individuals and businesses. | lightmoney.in | |
| Microloans are extended to rural women for economic upliftment. | lightmicrofinance.com | |
| Consumer loans are provided to individuals in India. | lightfinance.com |
Competitors & Alternatives of Light Microfinance Private Limited
Brands and companies operating in the same space as Light Microfinance Private Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
 AU Small Finance Bank | Collateralised loans for commercial vehicles are extended to rural entrepreneurs. | Jaipur, India | 1996 |
 Ujjivan Small Finance Bank | Small finance services are extended to underserved segments in India. | Bengaluru, India | 2005 |
 ESAF | Microfinance banking services are offered in India by ESAF. | Thrissur, India | 1992 |
 Jana Small Finance Bank | Microfinance bank | Bengaluru, India | 1999 |
 Suryoday | Small finance bank offering savings accounts, deposits, and loan products | Mumbai, India | 2008 |
 Equitas Small Finance Bank | Small finance bank | Chennai, India | 2007 |
 Manappuram Finance | Consumer and SME loans are provided by Manappuram Finance. | Valapad, India | 1992 |
 Utkarsh Bank | Small finance bank | Varanasi, India | 2009 |
 L & T Finance Holdings | Diversified lending services are provided as a non-banking financial institution. | Mumbai, India | 1994 |
 Bajaj Finserv | Financial solutions including loans and insurance are offered. | Pune, India | 2007 |
Business Activity of Light Microfinance Private Limited
The main business activity of Light Microfinance 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.
Auditor Details of Light Microfinance Private Limited
Light Microfinance Private Limited is audited by CNK and Associates LLP for the financial year 2022.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| CNK and Associates LLP | 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 and KMP of Light Microfinance Private Limited
Light Microfinance Private Limited currently reports 7 directors and 2 key managerial personnel. 21 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Lise Lindback Also directs: Light Capital Private Limited, Sub-K Impact Solutions Limited | Nominee Director | 27 May 2025 | 1 Years 4 Months | Current |
| Daksha Niranjan Shah | Director | 12 Aug 2024 | 2 Years 1 Months | Current |
| Paresh Jashwantrai Vora Also directs: Wheels India Niswarth Foundation | Director | 11 Feb 2025 | 1 Years 7 Months | Current |
| Aviral Saini | Cfo | 04 Sep 2020 | 6 Years 1 Months | Current |
| Arvind Kodikal | Nominee Director | 11 Feb 2025 | 1 Years 7 Months | Current |
| Parul Hariharan | Nominee Director | 12 Nov 2024 | 1 Years 10 Months | Current |
Financials of Light Microfinance Private Limited FY 2025 filings available
Light Microfinance Private Limited reported revenue of ₹494.93 Cr (down 5% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Light Microfinance Private Limited
Revenue fell 5% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 45%. EBITDA fell 23% 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 Light Microfinance 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 | ₹494.93 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹229.15 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹4.82 Cr | •••• | •••• | •••• | •••• |
| 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 Light Microfinance Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 46.3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 1% | •••• | •••• | •••• | •••• |
| 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 Light Microfinance 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.
Ownership and Shareholding of Light Microfinance 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.
Group Structure of Light Microfinance Private Limited
Light Microfinance has 1 subsidiary company. This group structure data is as of FY 2025. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares Held |
|---|---|---|
| Light Capital Private Limited | U66190DL2025PTC448062 | Locked |
Showing major subsidiaries. Total: 1.
Charges & Borrowings of Light Microfinance Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 11 Mar 2026 | Others | ₹20 Cr | Open |
| 27 Jan 2026 | Others | ₹40 Cr | Open |
| 29 Dec 2025 | Others | ₹10 Cr | Open |
| 12 Dec 2025 | Others | ₹54.32 Cr | Open |
| 10 Dec 2025 | Others | ₹10 Cr | Open |
Total charge records: 270 View all charges
Employees and EPFO Compliance at Light Microfinance Private Limited
Light Microfinance Private Limited has a workforce of 3,637 employees as of Sep 26, 2025.
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.
GST Compliance of Light Microfinance Private Limited
Light Microfinance has 10 GST registrations: 10 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 24AABCK0178P1ZB | Gujarat | Active | 01 Jul 2017 |
| 08AABCK0178P1Z5 | Rajasthan | Active | 17 Jul 2017 |
| 23AABCK0178P1ZD | Madhya Pradesh | Active | 17 Aug 2018 |
| 24AABCK0178P2ZA | Gujarat | Active | 01 Jul 2020 |
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.
Credit Ratings, Litigation & Regulatory Alerts for Light Microfinance 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 Light Microfinance 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 Light Microfinance 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.
MCA Filings & Documents of Light Microfinance 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.
Recent Activity on Light Microfinance Private Limited
Frequently Asked Questions about Light Microfinance Private Limited
Light Microfinance is an active private limited company based in New, Delhi, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 20 September 1994 (32+ years old) and is registered under CIN U67120DL1994PTC216764.
Light Microfinance reported revenue of ₹494.93 Cr for FY 2025 (down 5% YoY).
Light Microfinance has 9 current directors and KMP:
- Deepak Ishwarbhai Amin - Managing Director
- Lise Lindback - Nominee Director
- Daksha Niranjan Shah - Director
- Paresh Jashwantrai Vora - Director
- Arvind Kodikal - Nominee Director
- Parul Hariharan - Nominee Director
- Hiten Mukundbhai Parikh - Additional Director
- Aviral Saini - Cfo
- Rakesh Kumar - Ceo
Light Microfinance reported a net profit of ₹4.82 Cr (net margin 1%) and EBITDA of ₹229.15 Cr (EBITDA margin 46.3%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Light Microfinance is 44% over three years and 45% over five years. In the latest year (FY 2025) revenue fell 5%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Light Microfinance is 24AABCK0178P1ZB, registered in Gujarat. The company has 10 GST registrations in all, of which 10 are active. Other active GSTINs include 08AABCK0178P1Z5 (Rajasthan), 23AABCK0178P1ZD (Madhya Pradesh), 24AABCK0178P2ZA (Gujarat).
The CIN (Corporate Identification Number) of Light Microfinance is U67120DL1994PTC216764. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Light Microfinance was incorporated on 20 September 1994, making it 32+ years old. It is registered with the Registrar of Companies, Delhi.
Light Microfinance can be reached through the website lightmicrofinance.com. Its registered office is in New, Delhi, India.