About Niravathjubily Chits India Private Limited
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Niravathjubily Chits India Private Limited is a private limited company based in Iritty, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 26 September 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2011PTC029436. Its GSTIN is 32AADCN8289Q1ZN (Kerala).
The company has an authorised share capital of ₹6 Cr and a paid-up capital of ₹5.31 Cr. It is led by directors Binees Joseph (Managing Director) and Pamplanil Mathew Sheena.
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 Thulasy Malabar Paradise Second Floor New Bustand, Iritty, Kerala, India – 670703.
As per the financials filed for FY 2025, the company reported a revenue of ₹19.69 Cr, a growth of 6% compared to the previous year. For the same year it recorded a net profit of ₹41.64 Lakh (net margin 2.1%) and EBITDA of ₹1.09 Cr (EBITDA margin 5.6%). Revenue has grown at a compounded annual rate (CAGR) of 15% over three years and 5% over five years.
The company has about 77 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Niravath Jubily Chits. As per MCA filings, the company has open charges of ₹50.24 Lakh on record. Court records list 3,879 cases involving the company, including 3,844 filed by the company and 35 filed against it; 1,377 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website jubily.in.
Company details
Contact details
Niravathjubily Chits India Private Limited's registered office is in Iritty, Kerala. Its website is jubily.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressThulasy Malabar Paradise Second Floor New Bustand, Iritty, Kerala, India – 670703
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Niravathjubily Chits India Private Limited, 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
Brands
Niravathjubily Chits India operates one associated brand: Niravath Jubily Chits. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides comprehensive personal loan services to individuals. | jubily.in |
Business activity
The main business activity of Niravathjubily Chits India is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Niravathjubily Chits India Private Limited, buy the company report.
Financials of Niravathjubily Chits India Private Limited
FY 2025 filings availableNiravathjubily Chits India Private Limited reported revenue of ₹19.69 Cr (up 6% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 5% over five years, including 6% growth in the latest year. EBITDA fell 19% 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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA | ₹1.09 Cr | ||||
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| Net Profit (PAT) | ₹41.64 Lakh | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| Profitability | |||||
| EBITDA Margin | 5.6% | ||||
| Net Profit Margin | 2.1% | ||||
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To see the full financial statements and ratios of Niravathjubily Chits India Private Limited, buy the company report.
Board of directors of Niravathjubily Chits India Private Limited
Niravathjubily Chits India 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 |
|---|---|---|---|---|
| Binees Joseph Also directs: Niravathjubily Estate Private Limited, Niravathjubily Dhanam Limited, Niravathjubily Nidhi Limited and 1 more | Managing Director | 26 Sep 2011 | 15 Years 0 Months | Current |
| Pamplanil Mathew Sheena Also directs: Niravathjubily Estate Private Limited, Niravathjubily Dhanam Limited, Niravathjubily Nidhi Limited and 1 more | Director | 26 Sep 2011 | 15 Years 0 Months | Current |
Peer comparison
Niravathjubily Chits India Private Limited is compared with the 5 companies closest to it by revenue in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Valluvanadu Nidhi Limited | ₹21.45 Cr (FY 2024) | -23.0% | Manjeri, Kerala, India | |||
| Srinidhi Chits (Hyderabad) Private Limited | ₹20.92 Cr (FY 2024) | 8.0% | Karimnagar, Telangana, India | |||
| Servitium Micro Finance Private Limited | ₹20.37 Cr (FY 2025) | 57.0% | Kolkata, West Bengal, India | |||
| Moneymuttath Nidhi Limited | ₹20.16 Cr (FY 2022) | 25.0% | Pandalam, Kerala, India | |||
| Niravathjubily Chits India Private Limitedthis company | ₹19.69 Cr (FY 2025) | ₹41.64 Lakh | 2.1% | 6.0% | 77 | Iritty, Kerala, India |
| SSV Chit Fund Private Limited | ₹15.8 Cr (FY 2025) | 26.0% | Srinivasa Nagar, Hyd - 38, Telangana, India |
To see the full peer comparison of Niravathjubily Chits India Private Limited, buy the company report.
Auditor
Niravathjubily Chits India Private Limited is audited by B S J & ASSOCIATES for the financial year 2020.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| B S J & ASSOCIATES | FY 2020 | 010560S |
Shareholding
The shareholding of Niravathjubily Chits India Private Limited is on record for 3 financial years, the latest being FY 2020, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2020 | FY 2017 | FY 2016 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Niravathjubily Chits India Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 28 Jun 2024 | 100942927 | The South Indian Bank Limited | ₹14 Lakh | Open | |
| 08 Nov 2021 | 100501512 | The South Indian Bank Limited | ₹9.59 Lakh | Open | |
| 27 Jul 2021 | 100468018 | The South Indian Bank Limited | ₹26.65 Lakh | Open |
Total charge records: 3 View all charges
Legal cases
Niravathjubily Chits India Private Limited has 3,879 court cases on record: 3,844 filed by Niravathjubily Chits India, 35 filed against it. 1,377 cases are pending and 2,502 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 3,878 | 34 | 1,377 |
| High courts | 1 | 1 | 0 |
Cases on record (5 of 3,879)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Kannur, Kerala | Appeal | Filed against the company by an individual | Pending |
| District court, Kannur, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Kannur, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Kannur, Kerala | Criminal case | Filed by the company against an individual | Pending |
| District court, Kannur, Kerala | Criminal case | Filed by the company against an individual | Pending |
To see the full case history of Niravathjubily Chits India Private Limited, buy the company report.
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.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Niravathjubily Chits India Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Niravathjubily Chits India Private Limited has a workforce of 77 employees on its EPFO records as of Mar 30, 2024, across 1 active EPFO establishment.
GST
Niravathjubily Chits India has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AADCN8289Q1ZN | Kerala | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Niravathjubily Chits India Private Limited, buy the company report.
Recent activity
Niravathjubily Chits India Private Limited has 2 board changes on record since 2011: 2 appointments. The latest: Binees Joseph was appointed as Managing Director on 26 Sep 2011.
Frequently asked questions
Niravathjubily Chits India is an active private limited company based in Iritty, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 26 September 2011 (15+ years old) and is registered under CIN U65992KL2011PTC029436.
Niravathjubily Chits India has 2 current directors:
- Binees Joseph - Managing Director
- Pamplanil Mathew Sheena - Director
The latest financial statements of Niravathjubily Chits India 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 GSTIN of Niravathjubily Chits India is 32AADCN8289Q1ZN, registered in Kerala.
The CIN (Corporate Identification Number) of Niravathjubily Chits India is U65992KL2011PTC029436. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Niravathjubily Chits India has 3,879 court cases on record: 3,844 filed by the company and 35 filed against it. 1,377 are pending. Most are in the district courts.
Niravathjubily Chits India was incorporated on 26 September 2011, making it 15+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Niravathjubily Chits India by revenue are Valluvanadu Nidhi Limited, Srinidhi Chits (Hyderabad) Private Limited, Servitium Micro Finance Private Limited, Moneymuttath Nidhi Limited, SSV Chit Fund Private Limited, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Binees Joseph was appointed as Managing Director on 26 Sep 2011. Pamplanil Mathew Sheena was appointed as Director on 26 Sep 2011.
Niravathjubily Chits India can be reached through the website jubily.in. Its registered office is in Iritty, Kerala, India.
The registered office of Niravathjubily Chits India is at Thulasy Malabar Paradise Second Floor New Bustand, Iritty, Kerala, India – 670703.