MSME (Udyam registered) Ministry of MSME
- Category
- Small (2023-24)
- Udyam number
- UDYAM-KL-07-0000682
NJT Finance Private Limited - financial services in Kottayam, Kerala, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹12.3 Cr
▼ 10% YoY
Net profit · FY 2025
₹3.54 Cr
Net margin 28.8%
EBITDA · FY 2025
₹7.33 Cr
EBITDA margin 59.6%
Authorised capital
₹10 Cr
Registered with MCA
Paid-up capital
₹6.65 Cr
Issued & subscribed
Open charges
₹25.23 Cr
Satisfied ₹15.66 Cr
Company age
31 yrs
Est. 1995
Directors on board
2
As per MCA filings
About NJT Finance Private Limited
Data last updated:
NJT Finance Private Limited is a private limited company based in Kottayam, Kerala, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 17 April 1995 and has been in existence for over 31 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65910KL1995PTC008909. Its GSTIN is 32AADCA1273F1Z9 (Kerala).
The company has an authorised share capital of ₹10 Cr and a paid-up capital of ₹6.65 Cr. It was formerly known as Alapatt Finance Private Limited. It is led by directors Alex Thomas (Managing Director) and Mano Alex.
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 Old No.XII/0235 C1 & C2 New No. II/1007 C1& C2 Trinity Building, Kottayam, Kerala, India – 686028.
As per the financials filed for FY 2025, the company reported a revenue of ₹12.3 Cr, a decline of 10% compared to the previous year. For the same year it recorded a net profit of ₹3.54 Cr (net margin 28.8%) and EBITDA of ₹7.33 Cr (EBITDA margin 59.6%). Revenue has grown at a compounded annual rate (CAGR) of 5% over three years and 5% over five years.
The company is associated with 1 brand: NJT Finance. As per MCA filings, the company has open charges of ₹25.23 Cr and satisfied charges of ₹15.66 Cr on record. Court records list 57 cases involving the company, including 50 filed by the company and 7 filed against it; 12 cases are pending.
NJT Finance Private Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-KL-07-0000682). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website njtfinance.com.
Company details
CIN U65910KL1995PTC008909
Registration Number 008909
Incorporation Date 17 April 1995
ROC Ernakulam
Listing Status Unlisted
Company Status Active
Compliance Status Active Compliant
MSME Classification Small
Udyam Registration UDYAM-KL-07-0000682
Key People
Alex Thomas Managing Director Mano Alex Director Recognitions & Rankings of NJT Finance
Contact details
NJT Finance Private Limited's registered office is in Kottayam, Kerala. Its website is njtfinance.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressOld No.XII/0235 C1 & C2 New No. II/1007 C1& C2 Trinity Building, Kottayam, Kerala, India – 686028
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of NJT Finance Private Limited, buy the company report.
Comprehensive company report
NJT 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
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included
Brands
NJT Finance operates one associated brand: NJT Finance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offering business loans and financial services in Kerala. | njtfinance.com |
Business activity
The main business activity of NJT 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 NJT Finance Private Limited, buy the company report.
Financials of NJT Finance Private Limited
FY 2025 filings availableNJT Finance Private Limited reported revenue of ₹12.3 Cr (down 10% YoY) for FY 2025.
Revenue · FY 2025
₹12.3 Cr ▼ 10%
Net profit · FY 2025
₹3.54 Cr margin 28.8%
EBITDA · FY 2025
₹7.33 Cr margin 59.6%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 10%
3 years · compounded
▲ 5%
5 years · compounded
▲ 5%
EBITDA CAGR growth
1 year
▼ 28%
3 years · compounded
▼ 4%
5 years · compounded
▼ 1%
Revenue fell 10% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 5%. EBITDA fell 28% 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 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | |||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹7.33 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹3.54 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
| Total Liabilities | |||||
| Fixed Assets | |||||
| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
| Cash and Bank Balance | |||||
| Total Assets | |||||
Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 59.6% | ||||
| Net Profit Margin | 28.8% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
| Debt-to-Equity Ratio | |||||
| Interest Coverage Ratio | |||||
| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
| Revenue Growth | |||||
| Net Profit Growth | |||||
To see the full financial statements and ratios of NJT Finance Private Limited, buy the company report.
Board of directors of NJT Finance Private Limited
NJT Finance has 2 current directors and 6 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Mano Alex Also directs: NJT Agro Farms Private Limited | Director | 16 Jan 2015 | 11 Years 9 Months | Current |
| Alex Thomas Also directs: NJT Agro Farms Private Limited, NJT Granites Private Limited | Managing Director | 14 Jan 2015 | 11 Years 10 Months | Current |
Auditor
NJT Finance Private Limited is audited by SALITHA AND SURESH CHARTERED ACCOUNTANTS for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| SALITHA AND SURESH CHARTERED ACCOUNTANTS | FY 2023 | 011794S |
Shareholding
The shareholding of NJT Finance Private Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of NJT Finance Private Limited, buy the company report.
Charges & borrowings
Open charges
₹25.23 Cr
Satisfied charges
₹15.66 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 21 Feb 2024 | 100878539 | Others | ₹10 Cr | Open | |
| 16 Sep 2021 | 100487316 | Others | ₹22.6 Lakh | Open | |
| 03 Jul 2017 | 100112774 | Others | ₹15 Cr | Open | |
| 03 Mar 2023 | 100685367 | Others | ₹6 Cr | Satisfied | |
| 20 Sep 2018 | 100208584 | Others | ₹9 Cr | Satisfied |
To see the full charge records of NJT Finance Private Limited, buy the company report.
Total charge records: 7 View all charges
Legal cases
NJT Finance Private Limited has 57 court cases on record: 50 filed by NJT Finance, 7 filed against it. 12 cases are pending and 45 are disposed.
Total cases
57
Filed by the company
50
Filed against the company
7
Pending
12
Disposed
45
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 54 | 5 | 12 |
| High courts | 2 | 2 | 0 |
| NCLT | 1 | 0 | 0 |
Cases on record (5 of 57)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Kottayam, Kerala | Appeal | Filed against the company by Catholic Syrian Bank Ltd, (Renamed As CSB Bank Ltd.) Kottayam Branch and 1 other | Pending |
| District court, Kottayam, Kerala | Court case (EP(Com)) | Filed by the company against Javeens Motoring Pvt Ltd | Pending |
| District court, Kottayam, Kerala | Criminal case | Filed by the company against M/S Mascom Steel(India) Pvt. Ltd. | Pending |
| District court, Thiruvananthapuram, Kerala | Execution petition | Filed by the company against Somatheeram Research Institute and Ayurveda Hospital Pvt Ltd | Pending |
| District court, Kottayam, Kerala | Civil suit | Filed by the company against M/S Mascom Steel India Pvt Ltd and 7 others | Pending |
To see the full case history of NJT 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.
Credit ratings & regulatory alerts
NJT Finance Private Limited was last rated by Care on 03 Feb 2022.
| Rating agency | Rated on | Rating |
|---|---|---|
| Care | 03 Feb 2022 |
To see the full credit ratings and regulatory alerts of NJT Finance Private Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for NJT Finance Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
NJT Finance has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AADCA1273F1Z9 | Kerala | Active | 15 Sep 2017 |
To see the full GST registrations and return filing status of NJT Finance Private Limited, buy the company report.
Recent activity
NJT Finance Private Limited has 8 board changes on record since 2015: 2 appointments and 6 cessations. The latest: Shadananan Raghavan ceased to be Company Secretary on 01 Jul 2021.
AGM
Njt Finance Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Charges
A charge registered on 07 Apr 2018 via Charge ID 100173756 with Others was fully satisfied on 09 Sep 2025.
Filing
Njt Finance Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Ernakulam.
Charges
A charge registered on 03 Mar 2023 via Charge ID 100685367 with Others was fully satisfied on 02 Dec 2024.
Charges
A charge registered on 20 Sep 2018 via Charge ID 100208584 with Others was fully satisfied on 02 Dec 2024.
Charges
A charge registered on 28 May 2018 via Charge ID 100184813 with Others was fully satisfied on 02 Dec 2024.
Charges
A charge with Others amounted to Rs. 10.00 Cr with Charge ID 100878539 was registered on 21 Feb 2024.
Charges
A charge with Others amounted to Rs. 6.00 Cr with Charge ID 100685367 was registered on 03 Mar 2023.
Charges
A charge with Others amounted to Rs. 0.23 Cr with Charge ID 100487316 was registered on 16 Sep 2021.
Ceased
Shadananan Raghavan ceased to be Company Secretary.
Charges
A charge with Others of Rs. 15.00 Cr registered on 03 Jul 2017 with Charge ID 100112774 was modified on 20 Mar 2021.
Ceased
Sherin Mathew ceased to be Company Secretary.
11 earlier events are in the company report.
Frequently asked questions
NJT Finance is an active private limited company based in Kottayam, Kerala, India. The company works in nbfc, within the financial services industry. It was incorporated on 17 April 1995 (31+ years old) and is registered under CIN U65910KL1995PTC008909.
NJT Finance has 2 current directors:
- Alex Thomas - Managing Director
- Mano Alex - Director
The latest financial statements of NJT Finance 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 NJT Finance is 32AADCA1273F1Z9, registered in Kerala.
The CIN (Corporate Identification Number) of NJT Finance is U65910KL1995PTC008909. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
NJT Finance has 57 court cases on record: 50 filed by the company and 7 filed against it. 12 are pending. Most are in the district courts.
NJT Finance was incorporated on 17 April 1995, making it 31+ years old. It is registered with the Registrar of Companies, Ernakulam.
Shadananan Raghavan ceased to be Company Secretary on 01 Jul 2021. Sherin Mathew ceased to be Company Secretary on 01 Nov 2019. Alex Thomas ceased to be Director on 30 Jun 2016. NJT Finance has 8 board changes on record in total.
Yes, NJT Finance is registered as a small enterprise under Udyam registration (number: UDYAM-KL-07-0000682).
NJT Finance can be reached through the website njtfinance.com. Its registered office is in Kottayam, Kerala, India.
Sample company reports
The same report you get when you buy one: financials, directors, ownership, deals, charges, legal cases, brands and filings, with the Excel workbook alongside.
Swiggy Limited Listed company · 92 pages
BharatPe (Resilient Innovations Pvt Ltd) Unlisted company · 78 pages