MSME (Udyam registered) Ministry of MSME
- Category
- Micro (2024-25)
- Udyam number
- UDYAM-KR-03-0107452
Niskha Finance Private Limited - financial services in Bangalore, Karnataka, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹4.67 Cr
▲ 88% YoY
Net profit · FY 2025
₹51 Lakh
Net margin 10.9%
EBITDA · FY 2025
₹2.62 Cr
EBITDA margin 56.2%
Authorised capital
₹10.5 Cr
Registered with MCA
Paid-up capital
₹8.18 Cr
Issued & subscribed
Open charges
₹38.35 Cr
Satisfied ₹5 Cr
Company age
7 yrs
Est. 2019
Employees · EPFO
15
Provident fund records
About Niskha Finance Private Limited
Data last updated:
Niskha Finance Private Limited is a private limited company based in Bangalore, Karnataka, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 25 April 2019 and has been in existence for over 7 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65999KA2019PTC123773. Its GSTIN is 29AAGCN5096E1Z5 (Karnataka).
The company has an authorised share capital of ₹10.5 Cr and a paid-up capital of ₹8.18 Cr. It is led by directors including Vinod Gajanan Vernekar and Miyar Ramanath Nayak.
Its last annual general meeting (AGM) was held on 25 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at #108/6 T – 1 Emerald Green Apts 8th Cross 6th Main Malleswaram, Bangalore, Karnataka, India – 560003.
As per the financials filed for FY 2025, the company reported a revenue of ₹4.67 Cr, a growth of 88% compared to the previous year. For the same year it recorded a net profit of ₹51 Lakh (net margin 10.9%) and EBITDA of ₹2.62 Cr (EBITDA margin 56.2%). Revenue has grown at a compounded annual rate (CAGR) of 79% over three years and 159% over five years.
The company has about 15 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Niskha Finance. As per MCA filings, the company has open charges of ₹38.35 Cr and satisfied charges of ₹5 Cr on record. Court records list 3 cases involving the company, including 3 filed against it; 1 case is pending.
Niskha Finance Private Limited is registered as a micro enterprise under the Udyam registration framework (Reg. No. UDYAM-KR-03-0107452). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website niskhafinance.com.
Company details
CIN U65999KA2019PTC123773
Registration Number 123773
Incorporation Date 25 April 2019
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 25 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Micro
Udyam Registration UDYAM-KR-03-0107452
Key People
Vinod Gajanan Vernekar Director Miyar Ramanath Nayak Director Shivram Santosh Vernekar Director Recognitions & Rankings of Niskha Finance
Contact details
Niskha Finance Private Limited's registered office is in Bangalore, Karnataka. Its website is niskhafinance.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address#108/6 T – 1 Emerald Green Apts 8th Cross 6th Main Malleswaram, Bangalore, Karnataka, India – 560003
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Niskha Finance Private Limited, buy the company report.
Comprehensive company report
Niskha Finance Private Limited - one report that includes everything
- 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
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Brands
Niskha Finance operates one associated brand: Niskha Finance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers quick gold loans with highest per gram rates and flexible repayments. | niskhafinance.com |
Business activity
The main business activity of Niskha Finance 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 Niskha Finance Private Limited, buy the company report.
Financials of Niskha Finance Private Limited
FY 2025 filings availableNiskha Finance Private Limited reported revenue of ₹4.67 Cr (up 88% YoY) for FY 2025.
Revenue · FY 2025
₹4.67 Cr ▲ 88%
Net profit · FY 2025
₹51 Lakh margin 10.9%
EBITDA · FY 2025
₹2.62 Cr margin 56.2%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 88%
3 years · compounded
▲ 79%
5 years · compounded
▲ 159%
EBITDA CAGR growth
1 year
▲ 107%
3 years · compounded
▲ 91%
5 years · compounded
▲ 221%
Revenue has grown at a compounded annual rate (CAGR) of 159% over five years, including 88% growth in the latest year. EBITDA rose 107% 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 | ₹2.62 Cr | ||||
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| Net Profit (PAT) | ₹51 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 | 56.2% | ||||
| Net Profit Margin | 10.9% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of Niskha Finance Private Limited, buy the company report.
Board of directors of Niskha Finance Private Limited
Niskha Finance has 3 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Vinod Gajanan Vernekar Also directs: Swagat Abharan Private Limited | Director | 25 Apr 2019 | 7 Years 5 Months | Current |
| Miyar Ramanath Nayak Also directs: Tarc Limited | Director | 31 Dec 2021 | 4 Years 9 Months | Current |
| Shivram Santosh Vernekar Also directs: Kredtech Innovations Private Limited | Director | 28 Apr 2023 | 3 Years 5 Months | Current |
Auditor
Niskha Finance Private Limited is audited by MANOJ MOHAN & ASSOCIATES for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| MANOJ MOHAN & ASSOCIATES | FY 2023 | 009195C |
Shareholding
The shareholding of Niskha Finance Private Limited is on record for 4 financial years, the latest being FY 2023, split between promoters, domestic institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|
| Promoters | ||||
| Domestic institutional investors (DII) | ||||
| Public | ||||
| Others |
To see the full shareholding pattern of Niskha Finance Private Limited, buy the company report.
Charges & borrowings
Open charges
₹38.35 Cr
Satisfied charges
₹5 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 31 Dec 2025 | 101220549 | Others | ₹3 Cr | Open | |
| 10 Dec 2025 | 101211504 | Others | ₹4 Cr | Open | |
| 29 Oct 2025 | 101219625 | Others | ₹5.23 Cr | Open | |
| 20 Aug 2025 | 101153243 | Others | ₹2 Cr | Open | |
| 10 Jul 2025 | 101161196 | Others | ₹4.37 Cr | Open |
To see the full charge records of Niskha Finance Private Limited, buy the company report.
Total charge records: 13 View all charges
Legal cases
Niskha Finance Private Limited has 3 court cases on record: 3 filed against it. 1 case is pending and 2 are disposed.
Total cases
3
Filed against the company
3
Pending
1
Disposed
2
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 2 | 2 | 1 |
| High courts | 1 | 1 | 0 |
Cases on record (3 of 3)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, BENGALURU, Karnataka | Civil suit | Filed against the company by an individual | Pending |
| District court, Chennai, Tamil Nadu | Civil suit | Filed against the company | Disposed |
| High Court for State of Telangana | Writ petition | Filed against the company | Disposed |
To see the full case history of Niskha Finance 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 Niskha Finance Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Niskha Finance Private Limited has a workforce of 15 employees on its EPFO records as of Mar 29, 2024, across 1 active EPFO establishment.
Employee count
15
Active EPFO establishments
1
Employee growth
-11.76%
GST
Niskha Finance has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAGCN5096E1Z5 | Karnataka | Active | 01 Sep 2020 |
To see the full GST registrations and return filing status of Niskha Finance Private Limited, buy the company report.
Recent activity
Niskha Finance Private Limited has 5 board changes on record since 2019: 4 appointments and 1 cessation. The latest: Nagoor Radhakrishna Shet ceased to be Director on 16 Sep 2024.
Charges
A charge with Others amounted to Rs. 3.00 Cr with Charge ID 101220549 was registered on 31 Dec 2025.
Charges
A charge registered on 23 Oct 2024 via Charge ID 100999944 with Others was fully satisfied on 24 Dec 2025.
Charges
A charge with Others amounted to Rs. 4.00 Cr with Charge ID 101211504 was registered on 10 Dec 2025.
Charges
A charge with Others amounted to Rs. 5.23 Cr with Charge ID 101219625 was registered on 29 Oct 2025.
AGM
Niskha Finance Private Limited last Annual general meeting of members was held on 25 Sep 2025 as per latest MCA records.
Charges
A charge with Others amounted to Rs. 2.00 Cr with Charge ID 101153243 was registered on 20 Aug 2025.
Charges
A charge with Others amounted to Rs. 4.37 Cr with Charge ID 101161196 was registered on 10 Jul 2025.
Charges
A charge with Others amounted to Rs. 1.25 Cr with Charge ID 101123924 was registered on 07 Jul 2025.
Charges
A charge registered on 22 Mar 2024 via Charge ID 100902270 with Others was fully satisfied on 05 Jun 2025.
Charges
A charge with Others amounted to Rs. 3.00 Cr with Charge ID 101096659 was registered on 05 May 2025.
Filing
Niskha Finance Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Bangalore.
Charges
A charge with Others amounted to Rs. 1.00 Cr with Charge ID 101076515 was registered on 26 Mar 2025.
11 earlier events are in the company report.
Frequently asked questions
Niskha Finance is an active private limited company based in Bangalore, Karnataka, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 25 April 2019 (7+ years old) and is registered under CIN U65999KA2019PTC123773.
Niskha Finance has 3 current directors:
- Vinod Gajanan Vernekar - Director
- Miyar Ramanath Nayak - Director
- Shivram Santosh Vernekar - Director
The latest financial statements of Niskha Finance on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 25 September 2025. Year-wise statements from FY 2020 are in the company report.
The GSTIN of Niskha Finance is 29AAGCN5096E1Z5, registered in Karnataka.
The CIN (Corporate Identification Number) of Niskha Finance is U65999KA2019PTC123773. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Niskha Finance has 3 court cases on record: 3 filed against it. 1 is pending. Most are in the district courts.
Niskha Finance was incorporated on 25 April 2019, making it 7+ years old. It is registered with the Registrar of Companies, Bangalore.
Nagoor Radhakrishna Shet ceased to be Director on 16 Sep 2024. Shivram Santosh Vernekar was appointed as Director on 28 Apr 2023. Miyar Ramanath Nayak was appointed as Director on 31 Dec 2021. Niskha Finance has 5 board changes on record in total.
Yes, Niskha Finance is registered as a micro enterprise under Udyam registration (number: UDYAM-KR-03-0107452).
Niskha Finance can be reached through the website niskhafinance.com. Its registered office is in Bangalore, Karnataka, India.