Model Kuries and Loans Pvt Ltd
About Model Kuries and Loans Pvt Ltd
Data last updated:
Model Kuries and Loans Pvt Ltd is a private limited company based in Thrissur, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 31 March 1981 and has been in existence for over 45 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL1981PTC003325. The company has 1 GST registration on record, which is no longer active.
The company has an authorised share capital of ₹90 Lakh and a paid-up capital of ₹90 Lakh. It is led by directors including Porathur Devassy Kurian (Managing Director) and Porathur Ouseph Kurian.
Its last annual general meeting (AGM) was held on 17 October 2020, and its latest financial statements are for the year ended 31 March 2020. The registered office is at Door No 25/152 Hafisa Arcade Chettiangadi Thrissur P O, Kerala, India – 680001.
As per the financials filed for FY 2020, the company reported a revenue of ₹6.9 Lakh, a decline of 37% compared to the previous year. For the same year it recorded a net loss of ₹90,272 (net margin -13.1%) and EBITDA of -₹1.3 Lakh (EBITDA margin -18.8%). Revenue has declined at a compounded annual rate (CAGR) of 22% over three years and 25% over five years.
Court records list 209 cases involving the company, including 206 filed by the company and 3 filed against it; 3 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
- EmailLocked
- TelephoneLocked
- WebsiteLocked
- Social MediaLocked
- Registered AddressDoor No 25/152 Hafisa Arcade Chettiangadi Thrissur P O, Kerala, India – 680001
- 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 Model Kuries and Loans Pvt Ltd
The main business activity of Model Kuries and Loans 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 Model Kuries and Loans Pvt Ltd FY 2020 filings available
Model Kuries and Loans Pvt Ltd reported revenue of ₹6.9 Lakh (down 37% YoY) for FY 2020.
Compounded Annual Growth Rate (CAGR) of Model Kuries and Loans Pvt Ltd
Revenue has declined at a compounded annual rate (CAGR) of 25% over five years, including a 37% fall in the latest year. EBITDA fell 119% 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 Model Kuries and Loans Pvt Ltd
| Metrics | FY 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | •••• | •••• | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• | •••• |
| Total Revenue | ₹6.9 Lakh | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | -₹1.3 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹90,272 | •••• | •••• | •••• | •••• |
| 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 Model Kuries and Loans Pvt Ltd
| Metrics | FY 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -18.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -13.1% | •••• | •••• | •••• | •••• |
| 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 Model Kuries and Loans 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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans Pvt Ltd is compared with the companies closest to it by revenue in the BFSI industry (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 |
|---|---|---|---|---|---|---|
| Trichyvigil Chits Private Limited | ₹7.05 Lakh (FY 2022) | •••• | •••• | -37.0% | •••• | Tiruchirappalli, Tamil Nadu, India |
| Shree Bajrang Bali Micro Finance Private Limited | ₹7.02 Lakh (FY 2024) | •••• | •••• | 1849.0% | •••• | Jaipur, Rajasthan, India |
| Dharma Chitfunds Pvt. Ltd. | ₹7 Lakh (FY 2025) | •••• | •••• | 716.0% | •••• | Andhra Pradesh, India |
| Vishvodaya Chit Fund Private Limited | ₹7 Lakh (FY 2024) | •••• | •••• | -64.0% | •••• | Peddapally, Telangana, India |
| Rathnaa.H.B Chit Funds Private Limited | ₹6.92 Lakh (FY 2025) | •••• | •••• | 264.0% | •••• | Dharmapuri, Tamil Nadu, India |
| Model Kuries and Loans Pvt Ltd this company | ₹6.9 Lakh (FY 2020) | •••• | •••• | -37.0% | •••• | Thrissur, Kerala, India |
| Ernakulam Kuries Private Limited | ₹6.86 Lakh (FY 2025) | •••• | •••• | -21.0% | •••• | Ernakulam, Kerala, India |
| Sky Vision Micro Credit | ₹6.85 Lakh (FY 2020) | •••• | •••• | 11.0% | •••• | Lucknow, Uttar Pradesh, India |
| Shrikrishna Micro Finance Foundation | ₹6.79 Lakh (FY 2025) | •••• | •••• | 38.0% | •••• | Ballia, Uttar Pradesh, India |
| GPS Maa Serveshwari Chits Private Limited | ₹6.74 Lakh (FY 2025) | •••• | •••• | 73.0% | •••• | Faridabad, Haryana, India |
| MN Eshwari Chits Private Limited | ₹6.74 Lakh (FY 2025) | •••• | •••• | 0.0% | •••• | Bangalore, Karnataka, India |
Peers are the five companies nearest above and the five nearest below Model Kuries and Loans by revenue in the BFSI industry (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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans Pvt Ltd is audited by CHEERAN VARGHESE & CO for the financial year 2020.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| CHEERAN VARGHESE & 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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans has 7 current directors and 5 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Porathur Ouseph Kurian | Director | 12 Jul 2008 | 18 Years 2 Months | Current |
| Jose Chiriankandath Joseph Also directs: Model Homes Private Limited | Director | 15 Jul 2015 | 11 Years 2 Months | Current |
| Thomas Also directs: New Model Kuries (Thrissur) Private Limited | Director | 15 Jul 2015 | 11 Years 2 Months | Current |
| Porathur Devassy Kurian | Managing Director | 24 Sep 2004 | 22 Years 0 Months | Current |
| Raphel Chelappadan Rappai | Director | 23 Sep 2004 | 22 Years 0 Months | Current |
| Chirammel Mathew Joseph | Director | 25 Sep 1999 | 27 Years 0 Months | Current |
Ownership and Shareholding of Model Kuries and Loans 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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans Pvt Ltd does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Model Kuries and Loans Pvt Ltd
Model Kuries and Loans Pvt Ltd has 209 court cases on record: 206 filed by Model Kuries and Loans, 3 filed against it. 3 cases are pending and 206 are disposed. Status as checked between 30 Sep 2026 and 04 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 208 | 2 | 3 |
| High courts | 1 | 1 | 0 |
Cases on record (5 of 209)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thrissur, Kerala | Execution petition | Filed by the company against Vasantha Tool Crafts Private Limited | Disposed |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against Vasantha Tool Crafts Private Limited | Disposed |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against an individual | Pending |
| District court, Thrissur, Kerala | Execution petition | Filed by the company against an individual | Pending |
Full case history
All 209 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 Model Kuries and Loans Pvt Ltd
Employment history and EPFO contributions of people linked to Model Kuries and Loans.
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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans Pvt Ltd has 17 board changes on record since 1982: 12 appointments and 5 cessations. The latest: Akkara Antony Cicil Angony ceased to be Director on 15 Jul 2015.
8 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Model Kuries and Loans 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 Model Kuries and Loans 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 Model Kuries and Loans 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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans has 1 GST registration on record, and it has been cancelled or is inactive. Only active GST numbers are listed on this page.
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 Model Kuries and Loans 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 Model Kuries and Loans Pvt Ltd
Model Kuries and Loans is an active private limited company based in Thrissur, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 31 March 1981 (45+ years old) and is registered under CIN U65992KL1981PTC003325.
Model Kuries and Loans reported revenue of ₹6.9 Lakh for FY 2020 (down 37% YoY).
Model Kuries and Loans has 7 current directors:
- Porathur Devassy Kurian - Managing Director
- Porathur Ouseph Kurian - Director
- Jose Chiriankandath Joseph - Director
- Thomas - Director
- Raphel Chelappadan Rappai - Director
- Chirammel Mathew Joseph - Director
- Mathai Kanakappadan Inasu - Director
Model Kuries and Loans reported a net loss of ₹90,272 (net margin -13.1%) and EBITDA of -₹1.3 Lakh (EBITDA margin -18.8%) for FY 2020, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Model Kuries and Loans is -22% over three years and -25% over five years. In the latest year (FY 2020) revenue fell 37%. CAGR is the steady yearly rate that links the first and the last year.
No. Model Kuries and Loans has 1 GST registration on record and it is cancelled or inactive.
The CIN (Corporate Identification Number) of Model Kuries and Loans is U65992KL1981PTC003325. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Model Kuries and Loans has 209 court cases on record: 206 filed by the company and 3 filed against it. 3 are pending. Most are in the district courts.
Model Kuries and Loans was incorporated on 31 March 1981, making it 45+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Model Kuries and Loans by revenue are Trichyvigil Chits Private Limited, Shree Bajrang Bali Micro Finance Private Limited, Dharma Chitfunds Pvt. Ltd, Vishvodaya Chit Fund Private Limited, Rathnaa.H.B Chit Funds Private Limited and 5 more, all in the BFSI industry (Micro Finance).
Akkara Antony Cicil Angony ceased to be Director on 15 Jul 2015. Isac Pappachan ceased to be Director on 15 Jul 2015. Jose Chiriankandath Joseph was appointed as Director on 15 Jul 2015. Model Kuries and Loans has 17 board changes on record in total.