Pat Credit Ltd
About Pat Credit Ltd
Data last updated:
Pat Credit Ltd is a public limited company based in Kolkata, West Bengal, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 21 April 1988 and has been in existence for over 38 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U67120WB1988PLC044207.
The company has an authorised share capital of ₹80 Lakh and a paid-up capital of ₹73.46 Lakh. It is led by directors including Indira Devi Patodia and Nandita Patodia.
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 170 M G Roadknow As 89 J L Bajaj Street, Kolkata, West Bengal, India – 700007.
As per the financials filed for FY 2025, the company reported a revenue of ₹6.44 Lakh, a growth of 14% compared to the previous year. For the same year it recorded a net profit of ₹4.26 Lakh (net margin 66.2%) and EBITDA of ₹5.76 Lakh (EBITDA margin 89.4%). Revenue has declined at a compounded annual rate (CAGR) of 1% over three years and 20% over five years.
Court records list 63 cases involving the company, including 8 filed by the company and 55 filed against it; 3 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
CIN history
Pat Credit has one previous CIN (Corporate Identification Number): U67120WB1988PTC044207. The current CIN is U67120WB1988PLC044207, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U67120WB1988PLC044207 | Current |
| U67120WB1988PTC044207 | Previous |
Contact details
Pat Credit Ltd's registered office is in Kolkata, West Bengal. Its e-mail address is in the company report.
- Email
- Registered Address170 M G Roadknow As 89 J L Bajaj Street, Kolkata, West Bengal, India – 700007
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Pat Credit Ltd, 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 Pat Credit 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 Pat Credit Ltd, buy the company report.
Financials of Pat Credit Ltd
FY 2025 filings availablePat Credit Ltd reported revenue of ₹6.44 Lakh (up 14% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue rose 14% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 20%. EBITDA rose 20% 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 | ₹5.76 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹4.26 Lakh | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 89.4% | ||||
| Net Profit Margin | 66.2% | ||||
| Return on Equity (ROE) | |||||
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To see the full financial statements and ratios of Pat Credit Ltd, buy the company report.
Board of directors of Pat Credit Ltd
Pat Credit has 4 current directors and 4 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Indira Devi Patodia Also directs: Prime Hitech Textiles LLP, Prime Urban Development India Limited, Anjana Syntex Company Ltd and 2 more | Director | 30 Nov 2015 | 10 Years 10 Months | Current |
| Nandita Patodia Also directs: Bombay Based Clothing Private Limited | Director | 01 Mar 2017 | 9 Years 7 Months | Current |
| Purusottamdas Patodia | Director | 23 Apr 1989 | 37 Years 6 Months | Current |
| Manoj Kumar Patodia Also directs: Prime Hitech Textiles LLP, Ducit Materials LLP, Patodia Overseas Exports LLP and 5 more | Director | 01 Feb 2006 | 20 Years 8 Months | Current |
Peer comparison
Pat Credit Ltd is compared with the 3 companies closest to it by revenue in the BFSI industry (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 |
|---|---|---|---|---|---|---|
| Sharada Commerce Private Limited | ₹6.5 Lakh (FY 2025) | -61.0% | West Bengal, India | |||
| Pat Credit Ltdthis company | ₹6.44 Lakh (FY 2025) | ₹4.26 Lakh | 66.2% | 14.0% | Kolkata, West Bengal, India | |
| Rocky Datamatics Pvt Ltd | ₹6.41 Lakh (FY 2020) | -86.0% | Kolkata, West Bengal, India | |||
| Riya Caplease (India) Limited | ₹6.34 Lakh (FY 2025) | -33.0% | Mehsana, Gujarat, India |
To see the full peer comparison of Pat Credit Ltd, buy the company report.
Auditor
Pat Credit Ltd is audited by S. NARAYAN AGARWAL & CO. for the financial year 2017.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| S. NARAYAN AGARWAL & CO. | FY 2017 | 054421 |
Shareholding
The shareholding of Pat Credit Ltd is on record for 2 financial years, the latest being FY 2017, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2017 | FY 2016 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of Pat Credit Ltd, buy the company report.
Legal cases
Pat Credit Ltd has 63 court cases on record: 8 filed by Pat Credit, 55 filed against it. 3 cases are pending and 60 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 58 | 54 | 0 |
| District courts | 3 | 0 | 3 |
| NCLT | 2 | 1 | 0 |
Cases on record (5 of 63)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Tiruppur, Tamil Nadu | Criminal complaint | Filed by the company against Anil Ltd Amol Sheth | Pending |
| NCLT, Ahmedabad | Insolvency matter | Filed against the company by an individual | Disposed |
| High Court, West Bengal | Writ petition | Filed by the company against Union of India and Ors | Disposed |
| NCLT, Kolkata | Insolvency matter | Filed by the company against Wearit Global Mimited | Disposed |
| High Court, TAMIL NADU | Court case (CRL MP) | Filed against the company by an individual | Disposed |
To see the full case history of Pat Credit Ltd, 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 Pat Credit Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Pat Credit Ltd; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Pat Credit Ltd has 8 board changes on record since 1989: 4 appointments and 4 cessations. The latest: Nandita Patodia ceased to be Additional Director on 26 Sep 2017.
Frequently asked questions
Pat Credit is an active public limited company based in Kolkata, West Bengal, India. The company works in nbfc, within the financial services industry. It was incorporated on 21 April 1988 (38+ years old) and is registered under CIN U67120WB1988PLC044207.
Pat Credit has 4 current directors:
- Indira Devi Patodia - Director
- Nandita Patodia - Director
- Purusottamdas Patodia - Director
- Manoj Kumar Patodia - Director
The latest financial statements of Pat Credit 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 CIN (Corporate Identification Number) of Pat Credit is U67120WB1988PLC044207. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Pat Credit has 63 court cases on record: 8 filed by the company and 55 filed against it. 3 are pending. Most are in the high courts.
Pat Credit was incorporated on 21 April 1988, making it 38+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Pat Credit by revenue are Sharada Commerce Private Limited, Rocky Datamatics Pvt Ltd, Riya Caplease (India) Limited, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Nandita Patodia ceased to be Additional Director on 26 Sep 2017. Nandita Patodia was appointed as Director on 01 Mar 2017. Indira Devi Patodia ceased to be Additional Director on 30 Sep 2016. Pat Credit has 8 board changes on record in total.
The registered office of Pat Credit is at 170 M G Roadknow As 89 J L Bajaj Street, Kolkata, West Bengal, India – 700007.
Pat Credit operates in the financial services industry, in the nbfc segment.
The compliance status of Pat Credit is compliant as of 27 August 2026. The company is actively filing with the Registrar of Companies.