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Phobosgold Technologies Private Limited - financial services in Bangalore, Karnataka, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹26.65 Cr
▲ 102% YoY
Net profit · FY 2025
₹3.42 Cr
Net margin 12.8%
EBITDA · FY 2025
₹4.66 Cr
EBITDA margin 17.5%
Authorised capital
₹10 Lakh
Registered with MCA
Paid-up capital
₹1 Lakh
Issued & subscribed
Open charges
₹2 Cr
Satisfied ₹25 Lakh
Company age
6 yrs
Est. 2020
Employees · EPFO
106
Provident fund records
About Phobosgold Technologies Private Limited
Data last updated:
Phobosgold Technologies Private Limited is a private limited company based in Bangalore, Karnataka, India, recognised as a startup by DPIIT. It operates in the gold loan NBFC segment of the financial services sector. It was incorporated on 15 May 2020 and has been in existence for over 6 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U74999KA2020PTC134142. Its GSTIN is 29AALCP1390A1ZH (Karnataka).
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Kunhiraman Krishnaraj (Whole-Time Director) and Dharmapuri Sarvathama Rao Sridhar (Whole-Time Director).
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 Bangalore, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹26.65 Cr, a growth of 102% compared to the previous year. For the same year it recorded a net profit of ₹3.42 Cr (net margin 12.8%) and EBITDA of ₹4.66 Cr (EBITDA margin 17.5%). Revenue has grown at a compounded annual rate (CAGR) of 110% over three years.
The company has about 106 employees on its provident fund (EPFO) records.
As per MCA filings, the company has open charges of ₹2 Cr and satisfied charges of ₹25 Lakh on record.
Phobosgold Technologies Private Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-KR-03-0001762). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website phobosgoldinc.com.
Company Details of Phobosgold Technologies Private Limited
CIN U74999KA2020PTC134142
Registration Number 134142
Incorporation Date 15 May 2020
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
DPIIT Recognition Recognised Startup
MSME Classification Small
Udyam Registration UDYAM-KR-03-0001762
Key People
Kunhiraman Krishnaraj Whole-Time Director Dharmapuri Sarvathama Rao Sridhar Whole-Time Director Neelakanta Bose Whole-Time Director Recognitions & Rankings of Phobosgold Technologies
MSME (Udyam registered) Ministry of MSME
- Category
- Small (2024-25)
- Udyam number
- UDYAM-KR-03-0001762
Contact Details
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressNo. 202 2nd Floor Anand Chambers No. 14/1 14th Cross, Elephant Rock Road Jayanagar 3rd Block, Bangalore, Karnataka, India – 560011
- IndustryFinancial Services, Gold Loan NBFC
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Business Activity of Phobosgold Technologies Private Limited
The main business activity of Phobosgold Technologies is professional, scientific and technical. In detail, this covers other professional, scientific and technical activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| M | Professional, Scientific and Technical | M9 | Other professional, scientific and technical activities | Locked |
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Turnover share and past changes in activity are in the company report.
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Financials of Phobosgold Technologies Private Limited FY 2025 filings available
Phobosgold Technologies Private Limited reported revenue of ₹26.65 Cr (up 102% YoY) for FY 2025.
Revenue · FY 2025
₹26.65 Cr ▲ 102%
Net profit · FY 2025
₹3.42 Cr margin 12.8%
EBITDA · FY 2025
₹4.66 Cr margin 17.5%
Compounded Annual Growth Rate (CAGR) of Phobosgold Technologies Private Limited
Revenue CAGR growth
1 year
▲ 102%
3 years · compounded
▲ 110%
EBITDA CAGR growth
1 year
▲ 244%
3 years · compounded
▲ 111%
Revenue has grown at a compounded annual rate (CAGR) of 110% over three years, including 102% growth in the latest year. EBITDA rose 244% 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 of Phobosgold Technologies Private Limited
| 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 | ₹4.66 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹3.42 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 of Phobosgold Technologies Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 17.5% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 12.8% | •••• | •••• | •••• | •••• |
| 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 | •••• | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Phobosgold Technologies are in the company report.
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Financial statements from FY 2021
Earlier years and trend charts are in the company report.
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Board of Directors of Phobosgold Technologies Private Limited
Phobosgold Technologies has 4 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Kunhiraman Krishnaraj Also directs: Arany Audire LLP, Goldguru Appraisals Private Limited | Whole-Time Director | 15 May 2020 | 6 Years 5 Months | Current |
| Lekshmi Devi | Director | 15 May 2020 | 6 Years 5 Months | Current |
| Dharmapuri Sarvathama Rao Sridhar Also directs: Goldguru Appraisals Private Limited | Whole-Time Director | 30 Sep 2023 | 3 Years 0 Months | Current |
| Neelakanta Bose Also directs: Goldguru Appraisals Private Limited | Whole-Time Director | 30 Sep 2023 | 3 Years 0 Months | Current |
Peer Comparison of Phobosgold Technologies Private Limited
Phobosgold Technologies Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Gold NBFCs). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Ifl Finance Limited | ₹71.37 Cr (FY 2025) | •••• | •••• | 12.0% | •••• | New Delhi, Delhi, India |
| Phobosgold Technologies Private Limited this company | ₹26.65 Cr (FY 2025) | •••• | •••• | 102.0% | •••• | Bangalore, Karnataka, India |
| Goldcash Limited | ₹21.64 Cr (FY 2025) | •••• | •••• | 71.0% | •••• | Bhubaneswar, Odisha, India |
| Value Gold Private Limited | ₹15.81 Cr (FY 2024) | •••• | •••• | •••• | Hyderabad, Telangana, India | |
| Subam Benefit Fund Nidhi Limited | ₹15.31 Cr (FY 2025) | •••• | •••• | 23.0% | •••• | Pattukottai, Tamil Nadu, India |
| Accurate Future India Private Limited | ₹14.89 Cr (FY 2025) | •••• | •••• | 124.0% | •••• | Mulshi, Maharashtra, India |
| Kosamattam Mathew K. Cherian Financiers Private Limited | ₹8.06 Cr (FY 2017) | •••• | •••• | -19.0% | •••• | Kottayam, Kerala, India |
Peers are the five companies nearest above and the five nearest below Phobosgold Technologies by revenue in the BFSI industry (Gold NBFCs), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Phobosgold Technologies Private Limited
Phobosgold Technologies Private Limited is audited by N. Naresh & Co. for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| N. Naresh & Co. | Locked | Locked | Locked |
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Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
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Ownership and Shareholding of Phobosgold Technologies Private Limited
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Shareholding and ownership data
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Charges & Borrowings of Phobosgold Technologies Private Limited
Open charges
₹2 Cr
Satisfied charges
₹25 Lakh
Breakdown by lending institutions
Latest charge details
| Date | Lender | Amount | Status |
|---|---|---|---|
| 03 Dec 2021 | Others | ₹2 Cr | Open |
| 16 Feb 2021 | Canara Bank | ₹25 Lakh | Satisfied |
Total charge records: 2 View all charges
Employees and EPFO Compliance at Phobosgold Technologies Private Limited
Phobosgold Technologies Private Limited has a workforce of 106 employees as of Apr 04, 2024.
Employee count
106
Active EPFO establishments
1
Employee growth
9.28%
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Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
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Recent Activity on Phobosgold Technologies Private Limited
Phobosgold Technologies Private Limited has 8 board changes on record since 2020: 6 appointments and 2 cessations. The latest: Soumya Sridhar ceased to be Director on 09 Dec 2025.
Ceased
Soumya Sridhar ceased to be Director.
Ceased
Usha Krishnaraj ceased to be Director.
AGM
Phobosgold Technologies Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Filing
Phobosgold Technologies Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Bangalore.
Charges
A charge with Others of Rs. 200.00 Lakh registered on 03 Dec 2021 with Charge ID 100513193 was modified on 09 Jan 2024.
Appointed
Dharmapuri Sarvathama Rao Sridhar was appointed as Whole-Time Director.
Appointed
Neelakanta Bose was appointed as Whole-Time Director.
Appointed
Usha Krishnaraj was appointed as Director.
Charges
A charge registered on 16 Feb 2021 via Charge ID 100428367 with Canara Bank was fully satisfied on 26 Dec 2022.
Charges
A charge with Others amounted to Rs. 200.00 Lakh with Charge ID 100513193 was registered on 03 Dec 2021.
Charges
A charge with Canara Bank amounted to Rs. 25.00 Lakh with Charge ID 100428367 was registered on 16 Feb 2021.
Appointed
Kunhiraman Krishnaraj was appointed as Whole-Time Director.
3 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Phobosgold Technologies Private Limited
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MSME Payment Delays by Phobosgold Technologies Private Limited
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Subsidiaries & Group Companies of Phobosgold Technologies Private Limited
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GST Compliance of Phobosgold Technologies Private Limited
Phobosgold Technologies has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AALCP1390A1ZH | Karnataka | Active | 15 Jun 2020 |
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MCA Filings & Documents of Phobosgold Technologies Private Limited
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Frequently Asked Questions about Phobosgold Technologies Private Limited
Phobosgold Technologies is an active private limited company based in Bangalore, Karnataka, India. The company works in gold loan nbfc, within the financial services industry. It was incorporated on 15 May 2020 (6+ years old) and is registered under CIN U74999KA2020PTC134142.
Phobosgold Technologies reported revenue of ₹26.65 Cr for FY 2025 (up 102% YoY).
Phobosgold Technologies has 4 current directors:
- Kunhiraman Krishnaraj - Whole-Time Director
- Dharmapuri Sarvathama Rao Sridhar - Whole-Time Director
- Neelakanta Bose - Whole-Time Director
- Lekshmi Devi - Director
Phobosgold Technologies reported a net profit of ₹3.42 Cr (net margin 12.8%) and EBITDA of ₹4.66 Cr (EBITDA margin 17.5%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Phobosgold Technologies is 110% over three years. In the latest year (FY 2025) revenue rose 102%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Phobosgold Technologies is 29AALCP1390A1ZH, registered in Karnataka.
The CIN (Corporate Identification Number) of Phobosgold Technologies is U74999KA2020PTC134142. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Phobosgold Technologies was incorporated on 15 May 2020, making it 6+ years old. It is registered with the Registrar of Companies, Bangalore.
The peers of Phobosgold Technologies by revenue are Ifl Finance Limited, Goldcash Limited, Value Gold Private Limited, Subam Benefit Fund Nidhi Limited, Accurate Future India Private Limited and 1 more, all in the BFSI industry (Gold NBFCs).
Soumya Sridhar ceased to be Director on 09 Dec 2025. Usha Krishnaraj ceased to be Director on 09 Dec 2025. Dharmapuri Sarvathama Rao Sridhar was appointed as Whole-Time Director on 30 Sep 2023. Phobosgold Technologies has 8 board changes on record in total.
Yes, Phobosgold Technologies is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).