Micro Credit Pvt Ltd
About Micro Credit Pvt Ltd
Data last updated:
Micro Credit Pvt Ltd is a private limited company based in Kolkata, West Bengal, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 13 July 1990 and has been in existence for over 36 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U65999WB1990PTC049519.
The company has an authorised share capital of ₹2.06 Cr and a paid-up capital of ₹2.06 Cr. It is led by directors Rakesh Nahata and Manoj Nahata.
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 Garment Park 19 Canal South Road C – 201 S. D. F. Building, Kolkata, West Bengal, India – 700015.
As per the financials filed for FY 2025, the company reported a revenue of ₹18.11 Lakh, a decline of 33% compared to the previous year. For the same year it recorded a net profit of ₹2.2 Lakh (net margin 12.2%) and EBITDA of ₹5.48 Lakh (EBITDA margin 30.3%). Revenue has grown at a compounded annual rate (CAGR) of 10% over three years and 6% over five years.
Court records list 1 case involving the company, including 1 filed by the company.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressGarment Park 19 Canal South Road C – 201 S. D. F. Building, Kolkata, West Bengal, India – 700015
- IndustryFinancial Services, NBFC, Investment & Credit 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
Business Activity of Micro Credit Pvt Ltd
The main business activity of Micro Credit 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 Micro Credit Pvt Ltd FY 2025 filings available
Micro Credit Pvt Ltd reported revenue of ₹18.11 Lakh (down 33% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Micro Credit Pvt Ltd
Revenue fell 33% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 6%. EBITDA fell 65% 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 Micro Credit Pvt Ltd
| 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 | ₹5.48 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹2.2 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 Micro Credit Pvt Ltd
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 30.3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 12.2% | •••• | •••• | •••• | •••• |
| 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 Micro Credit 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 Micro Credit Pvt Ltd
Micro Credit Pvt Ltd is compared with the companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC). Revenue, net profit, margin and growth of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Flaber Commercial Pvt Ltd | •••• | •••• | •••• | •••• | - | Bhilwara, Rajasthan, India |
| Prichsit Investments Private Limited | •••• | •••• | •••• | •••• | - | Delhi, India |
| Nesl Asset Data Limited | •••• | •••• | •••• | •••• | - | Mumbai, Maharashtra, India |
| Global Resins & Chemicals Ltd | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Ostwal Investment and Credit Limited | •••• | •••• | •••• | •••• | - | Thane, Maharashtra, India |
| Micro Credit Pvt Ltd this company | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| High Link Finvest Limited | •••• | •••• | •••• | •••• | - | Delhi, India |
| Nirmohi Steel Pvt Ltd | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Rajpath Financial Services Pvt Ltd | •••• | •••• | •••• | •••• | - | Bhubaneswar, Orissa, India |
| Malhan Investments Private Limited | •••• | •••• | •••• | •••• | - | New Delhi, Delhi, India |
| Vidisha Fintrade Private Limited | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Micro Credit by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), from the latest filed financials of each company. Revenue, net profit, margin and growth of each peer are in the company report.
Auditor Details of Micro Credit Pvt Ltd
Micro Credit Pvt Ltd is audited by GARV & ASSOCIATES for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| GARV & ASSOCIATES | 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 Micro Credit Pvt Ltd
Micro Credit 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 |
|---|---|---|---|---|
| Rakesh Nahata Also directs: Sukhchen Garments Private Limited. | Director | 15 Nov 2000 | 25 Years 10 Months | Current |
| Manoj Nahata | Director | 01 Mar 2019 | 7 Years 7 Months | Current |
Ownership and Shareholding of Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
Micro Credit Pvt Ltd does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Micro Credit Pvt Ltd
Micro Credit Pvt Ltd has 1 court case on record: 1 filed by Micro Credit. All case is disposed. Status as checked on 30 Sep 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| Calcutta High Court | Writ petition | Filed by the company against Registrar of Companies,W.B | Disposed |
Full case history
All 1 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Employees and EPFO Compliance at Micro Credit Pvt Ltd
Employment history and EPFO contributions of people linked to Micro Credit.
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 Micro Credit Pvt Ltd
Micro Credit Pvt Ltd has 6 board changes on record since 2000: 4 appointments and 2 cessations. The latest: Manoj Nahata was appointed as Director on 01 Mar 2019.
Credit Ratings, Litigation & Regulatory Alerts for Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
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 Micro Credit Pvt Ltd
Micro Credit is an active private limited company based in Kolkata, West Bengal, India. The company works in nbfc, within the financial services industry. It was incorporated on 13 July 1990 (36+ years old) and is registered under CIN U65999WB1990PTC049519.
Micro Credit reported revenue of ₹18.11 Lakh for FY 2025 (down 33% YoY).
Micro Credit has 2 current directors:
- Rakesh Nahata - Director
- Manoj Nahata - Director
Micro Credit reported a net profit of ₹2.2 Lakh (net margin 12.2%) and EBITDA of ₹5.48 Lakh (EBITDA margin 30.3%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Micro Credit is 10% over three years and 6% over five years. In the latest year (FY 2025) revenue fell 33%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Micro Credit is U65999WB1990PTC049519. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Micro Credit has 1 court case on record: 1 filed by the company.
Micro Credit was incorporated on 13 July 1990, making it 36+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Micro Credit by revenue are Flaber Commercial Pvt Ltd, Prichsit Investments Private Limited, Nesl Asset Data Limited, Global Resins & Chemicals Ltd, Ostwal Investment and Credit Limited and 5 more, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC).
Manoj Nahata was appointed as Director on 01 Mar 2019. Raunak Nahata ceased to be Director on 01 Mar 2019. Bharat Nahata ceased to be Director on 04 Jul 2016. Micro Credit has 6 board changes on record in total.
The registered office of Micro Credit is at Garment Park 19 Canal South Road C – 201 S. D. F. Building, Kolkata, West Bengal, India – 700015.