About Pennyflo Fintech Private Limited
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Pennyflo Fintech Private Limited is a private limited company based in Ernakulam, Kerala, India. It was incorporated on 08 June 2023.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U62099KL2023PTC081875.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Karthik Sreedharan and Vaishnav Raj Koyitti Veettil.
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 Ernakulam, Kerala.
As per the financials filed for FY 2025, the company reported a revenue of ₹3.89 Lakh. For the same year it recorded a net loss of ₹2.64 Lakh (net margin -68%) and EBITDA of -₹2.64 Lakh (EBITDA margin -68%).
The company is associated with 1 brand: PennyFlo.
For more details, the company can be reached via its website pennyflo.in.
Company details
Contact details
Pennyflo Fintech Private Limited's registered office is in Ernakulam, Kerala.
- Registered AddressBuilding No. 60/49E, Third Floor Jc Chambers, Ernakulam, Kerala, India – 682036
- 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
Brands
Pennyflo Fintech operates one associated brand: PennyFlo. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| AI platform for automating contract to invoice workflows and payment collections. | pennyflo.io |
Financials of Pennyflo Fintech Private Limited
FY 2025 filings availablePennyflo Fintech Private Limited reported revenue of ₹3.89 Lakh for FY 2025.
Financial Statement Summary
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| EBITDA | -₹2.64 Lakh | |
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| Net Profit (PAT) | -₹2.64 Lakh | |
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 |
|---|---|---|
| Profitability | ||
| EBITDA Margin | -68% | |
| Net Profit Margin | -68% | |
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To see the full financial statements and ratios of Pennyflo Fintech Private Limited, buy the company report.
Board of directors of Pennyflo Fintech Private Limited
Pennyflo Fintech has 3 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Karthik Sreedharan | Director | 08 Jun 2023 | 3 Years 5 Months | Current |
| Vaishnav Raj Koyitti Veettil Also directs: Actnow Global Business Solutions Private Limited, Luxin Autonomy India Private Limited, Brixline Housing Private Limited and 2 more | Director | 08 Jun 2023 | 3 Years 5 Months | Current |
| Thinnappan Balasubramanian Also directs: Enum Exports (OPC) Private Limited | Director | 26 Nov 2024 | 1 Years 11 Months | Current |
Peer comparison
Pennyflo Fintech Private Limited is compared with the 10 companies closest to it by revenue in the BFSI industry (Fintech), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Zigzy Fintech Private Limited | ₹4.15 Lakh (FY 2025) | Ahmedabad, Gujarat, India | ||||
| Algogrow Fintech Private Limited | ₹4.02 Lakh (FY 2025) | -95.0% | Bangalore, Karnataka, India | |||
| Jaijui Fintech Private Limited | ₹4 Lakh (FY 2024) | 398.0% | Pune, Maharashtra, India | |||
| Finbridge Fintech (OPC) Private Limited | ₹4 Lakh (FY 2025) | 36.0% | Indore, Madhya Pradesh, India | |||
| Namaste Fintech Services Private Limited | ₹3.92 Lakh (FY 2025) | 13.0% | Akola, Maharashtra, India | |||
| Pennyflo Fintech Private Limitedthis company | ₹3.89 Lakh (FY 2025) | -₹2.64 Lakh | -68% | Ernakulam, Kerala, India | ||
| 5Na Fintech Solutions Private Limited | ₹3.81 Lakh (FY 2025) | Perumalpuram, Tamil Nadu, India | ||||
| Mavy Fintech Private Limited | ₹3.74 Lakh (FY 2025) | Mumbai, Maharashtra, India | ||||
| Neobook Fintech Private Limited | ₹3.71 Lakh (FY 2024) | 225.0% | Raipur, Chhattisgarh, India | |||
| Akhilananda Fintech Private Limited | ₹3.7 Lakh (FY 2025) | Bangalore, Karnataka, India | ||||
| Finfly Fintech Private Limited | ₹3.69 Lakh (FY 2024) | Bangalore, Karnataka, India |
To see the full peer comparison of Pennyflo Fintech Private Limited, buy the company report.
Legal cases
No court or tribunal cases involving Pennyflo Fintech Private Limited are on our record; a case search with case numbers, parties and status is in the company report Buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Pennyflo Fintech Private Limited; 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 Pennyflo Fintech Private Limited; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Pennyflo Fintech Private Limited has 4 board changes on record since 2023: 4 appointments. The latest: Thinnappan Balasubramanian was appointed as Director on 26 Nov 2024.
Frequently asked questions
Pennyflo Fintech is an active private limited company based in Ernakulam, Kerala, India. It was incorporated on 08 June 2023 (3+ years old) and is registered under CIN U62099KL2023PTC081875.
Pennyflo Fintech has 3 current directors:
- Karthik Sreedharan - Director
- Vaishnav Raj Koyitti Veettil - Director
- Thinnappan Balasubramanian - Director
The latest financial statements of Pennyflo Fintech 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 2024 are in the company report.
The CIN (Corporate Identification Number) of Pennyflo Fintech is U62099KL2023PTC081875. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Pennyflo Fintech was incorporated on 08 June 2023, making it 3+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Pennyflo Fintech by revenue are Zigzy Fintech Private Limited, Algogrow Fintech Private Limited, Jaijui Fintech Private Limited, Finbridge Fintech (OPC) Private Limited, Namaste Fintech Services Private Limited and 5 more, all in the BFSI industry (Fintech).
Thinnappan Balasubramanian was appointed as Director on 26 Nov 2024. Karthik Sreedharan was appointed as Director on 08 Jun 2023. Krishna Prasad Narendran was appointed as Individual Subscriber on 08 Jun 2023. Pennyflo Fintech has 4 board changes on record in total.
Pennyflo Fintech can be reached through the website pennyflo.in. Its registered office is in Ernakulam, Kerala, India.
The registered office of Pennyflo Fintech is at Building No. 6049E, Third Floor Jc Chambers, Ernakulam, Kerala, India – 682036.
Pennyflo Fintech has 1 associated brand: Pennyflo.
Pennyflo Fintech is registered under the jurisdiction of the Registrar of Companies (ROC), Ernakulam.
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