Puliyanath Chits Private Limited
About Puliyanath Chits Private Limited
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Puliyanath Chits Private Limited is a private limited company based in Kochi, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 26 November 2012 and has been in existence for over 14 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2012PTC032723.
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Joby Raphel and Subin Joseph.
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 18/2383 Pallichal Road Thoppumpady, Kochi, Kerala, India – 682005.
As per the financials filed for FY 2025, the company reported a revenue of ₹68,500, a growth of 1% compared to the previous year. For the same year it recorded a net loss of ₹1.48 Lakh (net margin -215.5%) and EBITDA of -₹1.42 Lakh (EBITDA margin -207.8%). Revenue has grown at a compounded annual rate (CAGR) of 2% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Puliyanath Chits Private Limited's registered office is in Kochi, Kerala. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered Address18/2383 Pallichal Road Thoppumpady, Kochi, Kerala, India – 682005
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Puliyanath Chits Private Limited, 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 Puliyanath Chits 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 Puliyanath Chits Private Limited, buy the company report.
Financials of Puliyanath Chits Private Limited
FY 2025 filings availablePuliyanath Chits Private Limited reported revenue of ₹68,500 (up 1% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 2% over three years, including 1% growth in the latest year. EBITDA rose 4% 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 | -₹1.42 Lakh | ||||
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| Net Profit (PAT) | -₹1.48 Lakh | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| Profitability | |||||
| EBITDA Margin | -207.8% | ||||
| Net Profit Margin | -215.5% | ||||
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To see the full financial statements and ratios of Puliyanath Chits Private Limited, buy the company report.
Board of directors of Puliyanath Chits Private Limited
Puliyanath Chits has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Joby Raphel Also directs: R.J.S Steels Private Limited | Director | 26 Nov 2012 | 13 Years 11 Months | Current |
| Subin Joseph Also directs: Malabar Trading Corpn Pvt Ltd, R.J.S Steels Private Limited | Director | 26 Nov 2012 | 13 Years 11 Months | Current |
Peer comparison
Puliyanath Chits Private Limited is compared with the 4 companies closest to it by revenue in the BFSI industry (Micro Finance), 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 |
|---|---|---|---|---|---|---|
| South West Kuries and Loans Limited | ₹71,000 (FY 2025) | -3.0% | Thrissur, Kerala, India | |||
| Ayushdhan Micro Finance Foundation | ₹68,673 (FY 2018) | 109.0% | Lucknow, Uttar Pradesh, India | |||
| Puliyanath Chits Private Limitedthis company | ₹68,500 (FY 2025) | -₹1.48 Lakh | -215.5% | 1.0% | Kochi, Kerala, India | |
| Varahala Chit Funds Private Limited | ₹66,430 (FY 2019) | 274.0% | Hyderabad, Telangana, India | |||
| Om Sri Senthilganesh Chits Private Limited | ₹66,225 (FY 2020) | -83.0% | Tiruchirappalli, Tamil Nadu, India |
To see the full peer comparison of Puliyanath Chits Private Limited, buy the company report.
Auditor
Puliyanath Chits Private Limited is audited by SAJAN P VARGHESE for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| SAJAN P VARGHESE | FY 2023 | 023753 |
Shareholding
The shareholding of Puliyanath Chits 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 Puliyanath Chits Private Limited, buy the company report.
Legal cases
No court or tribunal cases involving Puliyanath Chits 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 Puliyanath Chits 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 Puliyanath Chits Private Limited; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Puliyanath Chits Private Limited has 2 board changes on record since 2012: 2 appointments. The latest: Joby Raphel was appointed as Director on 26 Nov 2012.
Frequently asked questions
Puliyanath Chits is an active private limited company based in Kochi, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 26 November 2012 (14+ years old) and is registered under CIN U65992KL2012PTC032723.
Puliyanath Chits has 2 current directors:
- Joby Raphel - Director
- Subin Joseph - Director
The latest financial statements of Puliyanath Chits 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 Puliyanath Chits is U65992KL2012PTC032723. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Puliyanath Chits was incorporated on 26 November 2012, making it 14+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Puliyanath Chits by revenue are South West Kuries and Loans Limited, Ayushdhan Micro Finance Foundation, Varahala Chit Funds Private Limited, Om Sri Senthilganesh Chits Private Limited, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Joby Raphel was appointed as Director on 26 Nov 2012. Subin Joseph was appointed as Director on 26 Nov 2012.
The registered office of Puliyanath Chits is at 182383 Pallichal Road Thoppumpady, Kochi, Kerala, India – 682005.
Puliyanath Chits operates in the financial services industry, in the microfinance institutions segment.
The compliance status of Puliyanath Chits is compliant as of 22 July 2026. The company is actively filing with the Registrar of Companies.
Puliyanath Chits can be reached at its registered office: 182383 Pallichal Road Thoppumpady, Kochi, Kerala, India – 682005.
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