About Navachetana Microfin Services Private Limited
Data last updated: 10 January 2026
Navachetana Microfin Services Private Limited is a private limited company based in Haveri, Karnataka, India, a subsidiary of Navachetana Enterprises Haveri Private Limited. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 07 June 1995, the company has been in operation for over 31 years.
Registered with ROC Bangalore under CIN U65922KA1995PTC017982.
Capital: an authorised share capital of ₹100 Cr and a paid-up capital of ₹80 Cr. Formerly known as Sree Santeshwara Credit and Investment Company Limited and Navachetana Microfin Services Limited. It is led by directors Nagendrappa Virupakshappa Mali and Chandrakala Nagendrappa Mali.
Last AGM: 30 September 2025. Financial statements filed for year ended 31 March 2025. Office: Haveri, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹125.67 Cr, a decline of 14% compared to the previous year.
The company has a workforce of approximately 1,215 employees as per the latest available data. It operates as a subsidiary of Navachetana Enterprises Haveri Private Limited.
The company is associated with 1 brand - Navachetana. As per MCA filings, the company has open charges of ₹802.55 Cr and satisfied charges of ₹777.84 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 navachetana.in.
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Registered AddressCtsno.3341/26 1Stfloor Navachetanaheights 1Stcross Ashwin, I Nagar, Haveri, Karnataka, India – 581110
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IndustryFinancial Services, Microfinance Institutions, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited has undergone 2 name changes throughout its history. The company was previously known as Sree Santeshwara Credit And Investment Company Limited, and Navachetana Microfin Services Limited. The current legal name is Navachetana Microfin Services Private Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Navachetana Microfin Services Private Limited | Current |
| Sree Santeshwara Credit And Investment Company Limited | Previous |
| Navachetana Microfin Services Limited | Previous |
CIN History of Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited has one previous CIN (Corporate Identification Number): U65922KA1995PLC017982. The current CIN is U65922KA1995PTC017982, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65922KA1995PTC017982 | Current |
| U65922KA1995PLC017982 | Previous |
Associated Brands with Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited operates one associated brand: Navachetana. These brands represent Navachetana Microfin Services Private Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Microfinance services are provided to underserved rural and semi-urban communities. | navachetana.in |
Competitors & Alternatives of Navachetana Microfin Services Private Limited
Brands and companies operating in the same space as Navachetana Microfin Services Private Limited include ESAF, Satin Creditcare, Bharat Financial Inclusion and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
ESAF
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Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
Satin Creditcare
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Micro loans for businesses are offered by this NBFC. | Delhi, India, India | 1990 |
Bharat Financial Inclusion
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Provider of micro-credit & insurance for low income income individuals and women | Secunderabad, India, India | 1997 |
Muthoot Microfin
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Microfinance loans are extended to low-income women entrepreneurs. | Ernakulam, India, India | 2010 |
Svatantra Microfinance
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Microcredit services are provided to rural women for financial inclusion. | Mumbai, India, India | 2012 |
Fincare Small Finance Bank
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Micro-finance bank | Bengaluru, India, India | 2007 |
Spandana Sphoorty Financial
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Microfinance loans are extended to low-income households for various needs. | Hyderabad, India, India | 2003 |
Chaitanya India Fin Credit
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Micro-credit financing is provided to low-income individuals and businesses. | Bengaluru, India, India | 2004 |
Asirvad Microfinance
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Micro loans for consumers are provided by Asirvad Microfinance. | Chennai, India, India | 2009 |
Business Activity of Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including 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 for Navachetana Microfin Services Private Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited is audited by A. John Moris & Co for the financial year 2023. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| A. John Moris & Co | Locked | Locked | Locked |
Complete auditor history for Navachetana Microfin Services Private Limited
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
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Board of Directors of Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited is currently managed by 2 directors, with 21 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
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Nagendrappa Virupakshappa Mali
Also directs:
Grep & Awk Technologies Llp, Navachetana Microfin Services Private Limited, Chetana Chits Haveri Private Limited and 5 more
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Managing Director | 06 Aug 2008 | 18 Years 0 Months | Current |
| Chandrakala Nagendrappa Mali | Nominee Director | 22 Jul 2015 | 11 Years 1 Months | Current |
Financials of Navachetana Microfin Services Private Limited FY 2025 filings available
Navachetana Microfin Services Private Limited reported revenue of ₹125.67 Cr (down 14.00% YoY) for FY 2025.
Ten-year financial statements for Navachetana Microfin Services Private Limited
Historical statement values and trend charts require an active report plan.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
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Ownership and Shareholding of Navachetana Microfin Services Private Limited
Shareholding and ownership data for Navachetana Microfin Services Private Limited
Promoter, institutional, public, and beneficial ownership values require an active report plan.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Navachetana Microfin Services Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 08 May 2025 | Others | ₹15 Cr | Open |
| 29 Mar 2025 | Others | ₹10.1 Cr | Open |
| 28 Mar 2025 | Others | ₹3.7 Cr | Open |
| 26 Mar 2025 | Others | ₹3.85 Cr | Open |
| 24 Mar 2025 | Others | ₹2.5 Cr | Open |
Total charge records: 215 View all charges
Employees and EPFO Compliance at Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited has a workforce of 1,215 employees as of Apr 04, 2024.
Employee and EPFO history for Navachetana Microfin Services Private Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Navachetana Microfin Services Private Limited
GST registrations and filing compliance for Navachetana Microfin Services Private Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
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Credit Ratings, Litigation & Regulatory Alerts for Navachetana Microfin Services Private Limited
Credit ratings, litigation, and regulatory alerts for Navachetana Microfin Services Private Limited
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- 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 Navachetana Microfin Services Private Limited
MSME payment history for Navachetana Microfin Services Private Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
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Subsidiaries & Group Companies of Navachetana Microfin Services Private Limited
Corporate group structure for Navachetana Microfin Services Private Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- 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 Navachetana Microfin Services Private Limited
MCA filings and documents for Navachetana Microfin Services Private Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Navachetana Microfin Services Private Limited
Frequently Asked Questions about Navachetana Microfin Services Private Limited
Navachetana Microfin Services Private Limited is an active private limited company in the financial services sector based in Haveri, Karnataka, India. It was incorporated on 07 June 1995 (31+ years old) and is registered under CIN U65922KA1995PTC017982. The company has 1,215 employees.
Navachetana Microfin Services Private Limited reported revenue of ₹125.67 Cr for FY 2025 (down 14.00% YoY).
The current directors of Navachetana Microfin Services Private Limited are:
- Nagendrappa Virupakshappa Mali - Managing Director
- Chandrakala Nagendrappa Mali - Nominee Director
The primary industry of Navachetana Microfin Services Private Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.
Navachetana Microfin Services Private Limited can be reached at the registered office: Ctsno.334126 1Stfloor Navachetanaheights 1Stcross Ashwin, I Nagar, Haveri, Karnataka, India – 581110, or through the website navachetana.in.
The authorised capital is ₹100 Cr, and the paid-up capital is ₹80 Cr.