About Moral Gramin Micro Credit
Data last updated:
Moral Gramin Micro Credit is a private not for profit company based in Lucknow, Uttar Pradesh, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 09 August 2010 and has been in existence for over 16 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U74900UP2010NPL041617.
The company has an authorised share capital of ₹15 Lakh and a paid-up capital of ₹1.8 Lakh. It is led by directors Ajay Kumar Sharma and Arun Kumar.
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 Royal Arcade 565 – Ka – 94 – 2 Sneh Nagar Alambagh, Lucknow, Uttar Pradesh, India – 226005.
As per the financials filed for FY 2024, the company reported a revenue of ₹1.21 Lakh, a decline of 4% compared to the previous year. For the same year it recorded a net profit of ₹20,742 (net margin 17.1%) and EBITDA of ₹28,849 (EBITDA margin 23.8%). Revenue has grown at a compounded annual rate (CAGR) of 5% over three years and 13% over five years.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website moralgroup.org.
Company details
Contact details
Moral Gramin Micro Credit's registered office is in Lucknow, Uttar Pradesh. Its website is moralgroup.org. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressRoyal Arcade 565 – Ka – 94 – 2 Sneh Nagar Alambagh, Lucknow, Uttar Pradesh, India – 226005
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Moral Gramin Micro Credit, 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
Business activity
The main business activity of Moral Gramin Micro Credit is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities |
To see the full business activity and turnover split of Moral Gramin Micro Credit, buy the company report.
Financials of Moral Gramin Micro Credit
FY 2025 filings availableMoral Gramin Micro Credit reported revenue of ₹1.21 Lakh (down 4% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR)
Revenue fell 4% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 13%. EBITDA fell 26% 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
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| EBITDA | ₹28,849 | ||||
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| Net Profit (PAT) | ₹20,742 | ||||
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Financial Ratios
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
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| EBITDA Margin | 23.8% | ||||
| Net Profit Margin | 17.1% | ||||
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To see the full financial statements and ratios of Moral Gramin Micro Credit, buy the company report.
Board of directors of Moral Gramin Micro Credit
Moral Gramin Micro Credit has 2 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ajay Kumar Sharma Also directs: Moral Motor World Private Limited, Moral Green Energy Limited, Moral Infrastructures Corporation Limited and 5 more | Director | 09 Aug 2010 | 16 Years 2 Months | Current |
| Arun Kumar Also directs: Moral Motor World Private Limited, Moral Green Energy Limited, Moral Infrastructures Corporation Limited and 5 more | Director | 09 Aug 2010 | 16 Years 2 Months | Current |
Auditor
Moral Gramin Micro Credit is audited by BITTHER & COMPANY for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| BITTHER & COMPANY | FY 2019 | 021075C |
Shareholding
The shareholding of Moral Gramin Micro Credit is on record for 3 financial years, the latest being FY 2019, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2019 | FY 2017 | FY 2016 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Moral Gramin Micro Credit, buy the company report.
Legal cases
No court or tribunal cases involving Moral Gramin Micro Credit 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 Moral Gramin Micro Credit; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Moral Gramin Micro Credit; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Moral Gramin Micro Credit has 3 board changes on record since 2010: 2 appointments and 1 cessation. The latest: Gyaneshwar Sharma ceased to be Director on 15 Jun 2023.
Frequently asked questions
Moral Gramin Micro Credit is an active private not for profit company based in Lucknow, Uttar Pradesh, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 09 August 2010 (16+ years old) and is registered under CIN U74900UP2010NPL041617.
Moral Gramin Micro Credit has 2 current directors:
- Ajay Kumar Sharma - Director
- Arun Kumar - Director
The latest financial statements of Moral Gramin Micro Credit 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 CIN (Corporate Identification Number) of Moral Gramin Micro Credit is U74900UP2010NPL041617. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Moral Gramin Micro Credit was incorporated on 09 August 2010, making it 16+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
Gyaneshwar Sharma ceased to be Director on 15 Jun 2023. Ajay Kumar Sharma was appointed as Director on 09 Aug 2010. Arun Kumar was appointed as Director on 09 Aug 2010.
Moral Gramin Micro Credit can be reached through the website moralgroup.org. Its registered office is in Lucknow, Uttar Pradesh, India.
The registered office of Moral Gramin Micro Credit is at Royal Arcade 565 – Ka – 94 – 2 Sneh Nagar Alambagh, Lucknow, Uttar Pradesh, India – 226005.
Moral Gramin Micro Credit operates in the financial services industry, in the microfinance institutions segment.
The compliance status of Moral Gramin Micro Credit is compliant as of 19 August 2026. The company is actively filing with the Registrar of Companies.
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