MSME (Udyam registered) Ministry of MSME
- Category
- Small (2024-25)
- Udyam number
- UDYAM-TN-27-0042971
Paft Finance Limited - financial services in Tiruchirappalli, Tamil Nadu, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹7.71 Cr
▲ 4% YoY
Net profit · FY 2025
₹2.21 Cr
Net margin 28.7%
EBITDA · FY 2025
₹5.57 Cr
EBITDA margin 72.2%
Authorised capital
₹10 Cr
Registered with MCA
Paid-up capital
₹8.03 Cr
Issued & subscribed
Open charges
₹27.19 Cr
Satisfied ₹1 Cr
Company age
33 yrs
Est. 1993
Employees · EPFO
94
Provident fund records
About Paft Finance Limited
Data last updated:
Paft Finance Limited is a public limited company based in Tiruchirappalli, Tamil Nadu, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 29 March 1993 and has been in existence for over 33 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U65191TN1993PLC024690. Its GSTIN is 33AAACR3665B1ZT (Tamil Nadu).
The company has an authorised share capital of ₹10 Cr and a paid-up capital of ₹8.03 Cr. It was formerly known as Rupi Business Finance Ltd and Indma Finance Limited. It is led by directors including Rayappan Stephen Francis Xavier (Managing Director) and Stephen Francis Xavier Joel Mecir Roy (Whole-Time Director).
Its last annual general meeting (AGM) was held on 30 September 2024, and its latest financial statements are for the year ended 31 March 2024. The registered office is at Tf1 Old No:18 New No:03 Vinayaganagar 3rd Street Karumandapam, Tiruchirappalli, Tamil Nadu, India – 620001.
As per the financials filed for FY 2025, the company reported a revenue of ₹7.71 Cr, a growth of 4% compared to the previous year. For the same year it recorded a net profit of ₹2.21 Cr (net margin 28.7%) and EBITDA of ₹5.57 Cr (EBITDA margin 72.2%). Revenue has grown at a compounded annual rate (CAGR) of 20% over three years and 2% over five years.
The company has about 94 employees on its provident fund (EPFO) records.
As per MCA filings, the company has open charges of ₹27.19 Cr and satisfied charges of ₹1 Cr on record. Court records list 3 cases involving the company, including 3 filed against it; 1 case is pending.
Paft Finance Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-TN-27-0042971). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website patgroup.org.
Company details
CIN U65191TN1993PLC024690
Registration Number 024690
Incorporation Date 29 March 1993
ROC Chennai
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2024
Date of Balance Sheet 31 March 2024
Compliance Status Active Compliant
MSME Classification Small
Udyam Registration UDYAM-TN-27-0042971
Name history
Paft Finance has undergone 3 name changes throughout its history. The company was previously known as Rupi Business Finance Ltd, Indma Finance Limited, and Rupi Business Finance Pvt Ltd. The current legal name is Paft Finance Limited.
| Company Name | Status |
|---|---|
| Paft Finance Limited | Current |
| Rupi Business Finance Ltd | Previous |
| Indma Finance Limited | Previous |
| Rupi Business Finance Pvt Ltd | Previous |
CIN history
Paft Finance has one previous CIN (Corporate Identification Number): U65191TN1993SGC024690. The current CIN is U65191TN1993PLC024690, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65191TN1993PLC024690 | Current |
| U65191TN1993SGC024690 | Previous |
Key People
Rayappan Stephen Francis Xavier Managing Director Stephen Francis Xavier Joel Mecir Roy Whole-Time Director Anne Jose Patricia Xavier Adaikala Samy Whole-Time Director Recognitions & Rankings of Paft Finance
Contact details
Paft Finance Limited's registered office is in Tiruchirappalli, Tamil Nadu. Its website is patgroup.org. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressTf1 Old No:18 New No:03 Vinayaganagar 3rd Street Karumandapam, Tiruchirappalli, Tamil Nadu, India – 620001
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Paft Finance Limited, buy the company report.
Comprehensive company report
Paft Finance 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
Business activity
The main business activity of Paft Finance 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 Paft Finance Limited, buy the company report.
Financials of Paft Finance Limited
FY 2024 filings availablePaft Finance Limited reported revenue of ₹7.71 Cr (up 4% YoY) for FY 2025.
Revenue · FY 2025
₹7.71 Cr ▲ 4%
Net profit · FY 2025
₹2.21 Cr margin 28.7%
EBITDA · FY 2025
₹5.57 Cr margin 72.2%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 4%
3 years · compounded
▼ 20%
5 years · compounded
▲ 2%
EBITDA CAGR growth
1 year
▲ 40%
5 years · compounded
▲ 13%
Revenue has grown at a compounded annual rate (CAGR) of 2% over five years, including 4% growth in the latest year. EBITDA rose 40% 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 | ₹5.57 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹2.21 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 | 72.2% | ||||
| Net Profit Margin | 28.7% | ||||
| 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 Paft Finance Limited, buy the company report.
Board of directors of Paft Finance Limited
Paft Finance has 6 current directors and 10 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Rayappan Stephen Francis Xavier | Managing Director | 29 Sep 2010 | 16 Years 1 Months | Current |
| Stephen Francis Xavier Joel Mecir Roy | Whole-Time Director | 01 Dec 2016 | 9 Years 11 Months | Current |
| Anne Jose Patricia Xavier Adaikala Samy | Whole-Time Director | 01 Dec 2016 | 9 Years 11 Months | Current |
| Sebastian Selvaraj Also directs: Paft Inclusive Financial Services Private Limited | Director | 02 Dec 2022 | 3 Years 11 Months | Current |
| Stephen Francis Xavier Deepak Roy | Director | 28 Mar 2023 | 3 Years 7 Months | Current |
| Palavalasa Saikamalakar Rao | Director | 21 Mar 2024 | 2 Years 7 Months | Current |
Peer comparison
Paft Finance Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), 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 |
|---|---|---|---|---|---|---|
| Antique Industries Limited | ₹7.72 Cr (FY 2025) | -1.0% | Delhi, India | |||
| Gurugram Fintech Private Limited | ₹7.72 Cr (FY 2025) | -24.0% | New Delhi, Delhi, India | |||
| Gold Rock Investments Limited | ₹7.72 Cr (FY 2019) | 458.0% | Mumbai, Maharashtra, India | |||
| Paft Finance Limitedthis company | ₹7.71 Cr (FY 2025) | ₹2.21 Cr | 28.7% | 4.0% | 94 | Tiruchirappalli, Tamil Nadu, India |
| Tug Indofin Private Limited | ₹7.71 Cr (FY 2025) | 175.0% | Kolkata, West Bengal, India | |||
| Backbone Sales Pvt.Ltd. | ₹7.67 Cr (FY 2025) | -22.0% | A. C Lane, West Bengal, India | |||
| Shree Karni Finance Private Limited | ₹7.67 Cr (FY 2024) | 122.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Paft Finance Limited, buy the company report.
Auditor
Paft Finance Limited is audited by R S Hariharan & Associates for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| R S Hariharan & Associates | FY 2023 | 015460S |
Shareholding
The shareholding of Paft Finance 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 Paft Finance Limited, buy the company report.
Charges & borrowings
Open charges
₹27.19 Cr
Satisfied charges
₹1 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 12 Oct 2023 | 100814376 | City Union Bank Limited | ₹40,000 | Open | |
| 28 Feb 2023 | 100687470 | State Bank of India | ₹25.19 Cr | Open | |
| 31 Mar 2022 | 100599144 | Others | ₹2 Cr | Open | |
| 29 Dec 2017 | 100149896 | Others | ₹1 Cr | Satisfied |
To see the full charge records of Paft Finance Limited, buy the company report.
Total charge records: 4 View all charges
Legal cases
Paft Finance 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 | 3 | 3 | 1 |
Cases on record (3 of 3)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Tiruvarur, Tamil Nadu | Court case (IP) | Filed against the company | Pending |
| District court, Pudukkottai, Tamil Nadu | Court case (IP) | Filed against the company by an individual | Disposed |
| District court, Pudukkottai, Tamil Nadu | Court case (IP) | Filed against the company by an individual | Disposed |
To see the full case history of Paft Finance 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 Paft Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Paft Finance Limited has a workforce of 94 employees on its EPFO records as of Mar 27, 2024, across 1 active EPFO establishment.
Employee count
94
Active EPFO establishments
1
Employee growth
-80.46%
GST
Paft Finance has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AAACR3665B1ZT | Tamil Nadu | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Paft Finance Limited, buy the company report.
Recent activity
Paft Finance Limited has 26 board changes on record since 2004: 16 appointments and 10 cessations. The latest: Palavalasa Saikamalakar Rao was appointed as Director on 21 Mar 2024.
AGM
Paft Finance Limited last Annual general meeting of members was held on 30 Sep 2024 as per latest MCA records.
Filing
Paft Finance Limited has filed its annual Financial statements for the year ended 31 Mar 2024 with Roc Chennai.
Appointed
Palavalasa Saikamalakar Rao was appointed as Director.
Charges
A charge with State Bank Of India of Rs. 25.19 Cr registered on 28 Feb 2023 with Charge ID 100687470 was modified on 06 Feb 2024.
Charges
A charge with City Union Bank Limited amounted to Rs. 0.00 Cr with Charge ID 100814376 was registered on 12 Oct 2023.
Ceased
Sathianathan Rayappan ceased to be Director.
Appointed
Stephen Francis Xavier Deepak Roy was appointed as Director.
Charges
A charge with State Bank Of India amounted to Rs. 25.19 Cr with Charge ID 100687470 was registered on 28 Feb 2023.
Appointed
Sebastian Selvaraj was appointed as Director.
Charges
A charge with Others amounted to Rs. 2.00 Cr with Charge ID 100599144 was registered on 31 Mar 2022.
Ceased
Grason Milroy Paul ceased to be Director.
Ceased
Hirudayasamy Regis ceased to be Director.
23 earlier events are in the company report.
Frequently asked questions
Paft Finance is an active public limited company based in Tiruchirappalli, Tamil Nadu, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 29 March 1993 (33+ years old) and is registered under CIN U65191TN1993PLC024690.
Paft Finance has 6 current directors:
- Rayappan Stephen Francis Xavier - Managing Director
- Stephen Francis Xavier Joel Mecir Roy - Whole-Time Director
- Anne Jose Patricia Xavier Adaikala Samy - Whole-Time Director
- Sebastian Selvaraj - Director
- Stephen Francis Xavier Deepak Roy - Director
- Palavalasa Saikamalakar Rao - Director
The latest financial statements of Paft Finance on record with the MCA are for the year ended 31 March 2024. Its last annual general meeting was held on 30 September 2024. Year-wise statements from 2015 are in the company report.
The GSTIN of Paft Finance is 33AAACR3665B1ZT, registered in Tamil Nadu.
The CIN (Corporate Identification Number) of Paft Finance is U65191TN1993PLC024690. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Paft Finance has 3 court cases on record: 3 filed against it. 1 is pending.
Paft Finance was incorporated on 29 March 1993, making it 33+ years old. It is registered with the Registrar of Companies, Chennai.
The peers of Paft Finance by revenue are Antique Industries Limited, Gurugram Fintech Private Limited, Gold Rock Investments Limited, Tug Indofin Private Limited, Backbone Sales Pvt.Ltd. and 1 more, all in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Palavalasa Saikamalakar Rao was appointed as Director on 21 Mar 2024. Sathianathan Rayappan ceased to be Director on 23 Jun 2023. Stephen Francis Xavier Deepak Roy was appointed as Director on 28 Mar 2023. Paft Finance has 26 board changes on record in total.
Yes, Paft Finance is registered as a small enterprise under Udyam registration (number: UDYAM-TN-27-0042971).
Paft Finance can be reached through the website patgroup.org. Its registered office is in Tiruchirappalli, Tamil Nadu, 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