About Niravathjubily Nidhi Limited
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Niravathjubily Nidhi Limited is a nidhi company based in Thalassery, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 16 February 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U67100KL2016PLC040157. Its GSTIN is 32AAFCN1598L1Z5 (Kerala).
The company has an authorised share capital of ₹3 Cr and a paid-up capital of ₹1.08 Cr. It is led by directors including Binees Joseph 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 Thalassery, Kerala.
As per the financials filed for FY 2025, the company reported a revenue of ₹2.29 Cr, a decline of 35% compared to the previous year. For the same year it recorded a net loss of ₹31.79 Lakh (net margin -13.9%) and EBITDA of -₹28.88 Lakh (EBITDA margin -12.6%). Revenue has grown at a compounded annual rate (CAGR) of 4% over three years and 2% over five years.
Court records list 47 cases involving the company, including 47 filed by the company; 32 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 niravathjubilynidhi.co.in.
Company details
Contact details
Niravathjubily Nidhi Limited's registered office is in Thalassery, Kerala. Its website is niravathjubilynidhi.co.in. Its e-mail address is in the company report.
- Email
- Website
- Registered AddressBuilding No 9/2560 And 9/2561, Thulasi Malabar Paradise Iritty, Thalassery, Kerala, India – 670703
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Niravathjubily Nidhi 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
Business activity
The main business activity of Niravathjubily Nidhi 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 Nidhi Limited, buy the company report.
Financials of Niravathjubily Nidhi Limited
FY 2025 filings availableNiravathjubily Nidhi Limited reported revenue of ₹2.29 Cr (down 35% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue fell 35% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 2%. EBITDA fell 397% 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 | -₹28.88 Lakh | ||||
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| Net Profit (PAT) | -₹31.79 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 | -12.6% | ||||
| Net Profit Margin | -13.9% | ||||
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To see the full financial statements and ratios of Niravathjubily Nidhi Limited, buy the company report.
Board of directors of Niravathjubily Nidhi Limited
Niravathjubily Nidhi has 3 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Binees Joseph Also directs: Niravathjubily Estate Private Limited, Niravathjubily Chits India Private Limited, Niravathjubily Dhanam Limited and 1 more | Director | 16 Feb 2016 | 10 Years 8 Months | Current |
| Pamplanil Mathew Sheena Also directs: Niravathjubily Estate Private Limited, Niravathjubily Chits India Private Limited, Niravathjubily Dhanam Limited and 1 more | Director | 16 Feb 2016 | 10 Years 8 Months | Current |
| Littu Jose | Director | 16 Feb 2016 | 10 Years 8 Months | Current |
Peer comparison
Niravathjubily Nidhi 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 |
|---|---|---|---|---|---|---|
| Bansalbandu Chitfund Private Limited | ₹2.34 Cr (FY 2025) | 12.0% | Hyderabad, Telangana, India | |||
| SSS Chits India Private Limited | ₹2.31 Cr (FY 2025) | 28.0% | Salem, Tamil Nadu, India | |||
| Mauli Navnirman Sausar Nidhi Limited | ₹2.3 Cr (FY 2025) | 9.0% | Sausar, Madhya Pradesh, India | |||
| Niravathjubily Nidhi Limitedthis company | ₹2.29 Cr (FY 2025) | -₹31.79 Lakh | -13.9% | -35.0% | Thalassery, Kerala, India | |
| Vedadri Chit Fund Private Limited | ₹2.28 Cr (FY 2025) | 30.0% | Hyderabad, Telangana, India | |||
| Cheruvathoor Kuries Private Limited | ₹2.27 Cr (FY 2024) | -4.0% | Thrissur, Kerala, India |
To see the full peer comparison of Niravathjubily Nidhi Limited, buy the company report.
Auditor
Niravathjubily Nidhi Limited is audited by B S J & ASSOCIATES for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| B S J & ASSOCIATES | FY 2018 | 010560S |
Shareholding
The shareholding of Niravathjubily Nidhi Limited is on record for 2 financial years, the latest being FY 2018, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2018 | FY 2017 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of Niravathjubily Nidhi Limited, buy the company report.
Legal cases
Niravathjubily Nidhi Limited has 47 court cases on record: 47 filed by Niravathjubily Nidhi. 32 cases are pending and 15 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 45 | 0 | 32 |
| High courts | 2 | 0 | 0 |
Cases on record (5 of 47)
| Court | Type of case | Party | Status |
|---|---|---|---|
| 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 |
| District court, Kannur, Kerala | Criminal case | Filed by the company against an individual | Pending |
To see the full case history of Niravathjubily Nidhi 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 Nidhi Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Niravathjubily Nidhi has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAFCN1598L1Z5 | Kerala | Active | 16 Nov 2017 |
To see the full GST registrations and return filing status of Niravathjubily Nidhi Limited, buy the company report.
Recent activity
Niravathjubily Nidhi Limited has 3 board changes on record since 2016: 3 appointments. The latest: Binees Joseph was appointed as Director on 16 Feb 2016.
Frequently asked questions
Niravathjubily Nidhi is an active nidhi company based in Thalassery, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 16 February 2016 (10+ years old) and is registered under CIN U67100KL2016PLC040157.
Niravathjubily Nidhi has 3 current directors:
- Binees Joseph - Director
- Pamplanil Mathew Sheena - Director
- Littu Jose - Director
The latest financial statements of Niravathjubily Nidhi 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 FY 2016 are in the company report.
The GSTIN of Niravathjubily Nidhi is 32AAFCN1598L1Z5, registered in Kerala.
The CIN (Corporate Identification Number) of Niravathjubily Nidhi is U67100KL2016PLC040157. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Niravathjubily Nidhi has 47 court cases on record: 47 filed by the company. 32 are pending. Most are in the district courts.
Niravathjubily Nidhi was incorporated on 16 February 2016, making it 10+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Niravathjubily Nidhi by revenue are Bansalbandu Chitfund Private Limited, SSS Chits India Private Limited, Mauli Navnirman Sausar Nidhi Limited, Vedadri Chit Fund Private Limited, Cheruvathoor Kuries Private Limited, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Binees Joseph was appointed as Director on 16 Feb 2016. Littu Jose was appointed as Director on 16 Feb 2016. Pamplanil Mathew Sheena was appointed as Director on 16 Feb 2016.
Niravathjubily Nidhi can be reached through the website niravathjubilynidhi.co.in. Its registered office is in Thalassery, Kerala, India.
The registered office of Niravathjubily Nidhi is at Building No 92560 And 92561, Thulasi Malabar Paradise Iritty, Thalassery, Kerala, India – 670703.