Ramcharan Chits Private Limited
About Ramcharan Chits Private Limited
Data last updated:
Ramcharan Chits Private Limited is a private limited company based in Bengaluru, Karnataka, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 22 April 1994 and has been in existence for over 32 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65992KA1994PTC015540. Its GSTIN is 29AAACR7140R1ZR (Karnataka).
The company has an authorised share capital of ₹2 Lakh and a paid-up capital of ₹1.16 Lakh. It is led by directors Masthi Subramanya Setty Srinivasa (Managing Director) and Masthi Srinivas Sujatha.
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 Bengaluru, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹3.83 Cr, a growth of 107% compared to the previous year. For the same year it recorded a net profit of ₹1.25 Cr (net margin 32.7%) and EBITDA of ₹1.74 Cr (EBITDA margin 45.3%). Revenue has grown at a compounded annual rate (CAGR) of 25% over three years and 8% over five years.
As per MCA filings, the company has open charges of ₹7 Lakh on record. Court records list 1 case involving the company.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressSouthern Portion Of III Floor No. 98/1 Sujatha Arcade Gandhi Bazaar Main Road, Basavanag, Bengaluru, Karnataka, India – 560004
- IndustryFinancial Services, Microfinance Institutions
- 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
- One PDF report, delivered after checkout
Business Activity of Ramcharan Chits Private Limited
The main business activity of Ramcharan Chits is financial and insurance activities. In detail, this covers activities auxiliary to financial service and insurance activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance activities | 66 | Activities auxiliary to financial service and insurance activities | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Ramcharan Chits Private Limited FY 2025 filings available
Ramcharan Chits Private Limited reported revenue of ₹3.83 Cr (up 107% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Ramcharan Chits Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 8% over five years, including 107% growth in the latest year. EBITDA rose 93% 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 Ramcharan Chits 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 | ₹1.74 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹1.25 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 Ramcharan Chits Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 45.3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 32.7% | •••• | •••• | •••• | •••• |
| 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 | •••• | •••• | •••• | •••• | •••• |
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 Ramcharan Chits are in the company report.
Financial statements from 2015
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Peer Comparison of Ramcharan Chits Private Limited
Ramcharan Chits Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Micro Finance). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| SKST Chit Funds Private Limited | ₹3.99 Cr (FY 2024) | •••• | •••• | -5.0% | •••• | Coimbatore, Tamil Nadu, India |
| Annachi Chits Private Limited | ₹3.94 Cr (FY 2024) | •••• | •••• | 38.0% | •••• | Chennai, Tamil Nadu, India |
| Panasuna Chits Private Limited | ₹3.89 Cr (FY 2024) | •••• | •••• | 18.0% | •••• | Tamil Nadu, India |
| Deccanbhagya Nidhi Limited | ₹3.84 Cr (FY 2025) | •••• | •••• | 2.0% | •••• | Mala, Kerala, India |
| Chiranjeeva Chit Funds Private Limited | ₹3.84 Cr (FY 2024) | •••• | •••• | 16.0% | •••• | Vijayawada, Andhra Pradesh, India |
| Ramcharan Chits Private Limited this company | ₹3.83 Cr (FY 2025) | •••• | •••• | 107.0% | •••• | Bengaluru, Karnataka, India |
| Dhana Chit Fund Private Limited | ₹3.76 Cr (FY 2025) | •••• | •••• | 0.0% | •••• | Chennai, Tamil Nadu, India |
| Alankar Benefit Fund Nidhi Limited | ₹3.75 Cr (FY 2024) | •••• | •••• | 19.0% | •••• | Thanjavur, Tamil Nadu, India |
| VVRS Chitfund Tamilnadu Private Limited | ₹3.7 Cr (FY 2025) | •••• | •••• | 47.0% | •••• | Tirupur, Tamil Nadu, India |
| Sidheshwari Commotrade Private Limited | ₹3.7 Cr (FY 2025) | •••• | •••• | -35.0% | •••• | Delhi, India |
| Exway Micro Credit Private Limited | ₹3.69 Cr (FY 2024) | •••• | •••• | 13.0% | •••• | Varanasi, Uttar Pradesh, India |
Peers are the five companies nearest above and the five nearest below Ramcharan Chits by revenue in the BFSI industry (Micro Finance), 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 Ramcharan Chits Private Limited
Auditor information for Ramcharan Chits Private Limited provides details about the firm responsible for auditing the company's financial statements and ensuring compliance with regulatory requirements.
Board of Directors of Ramcharan Chits Private Limited
Ramcharan Chits has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Masthi Srinivas Sujatha Also directs: Monica Chits Private Limited | Director | 22 Apr 1994 | 32 Years 5 Months | Current |
| Masthi Subramanya Setty Srinivasa Also directs: Monica Chits Private Limited | Managing Director | 22 Apr 1994 | 32 Years 5 Months | Current |
Ownership and Shareholding of Ramcharan Chits Private Limited
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Ramcharan Chits Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 26 Sep 2006 | Vijaya Bank | ₹7 Lakh | Open |
Total charge records: 1 View all charges
Legal Cases of Ramcharan Chits Private Limited
Ramcharan Chits Private Limited has 1 court case on record: 1 where it is another party. All case is disposed. Status as checked on 30 Sep 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Karnataka | Writ petition | Company is another party | Disposed |
Full case history
All 1 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Employees and EPFO Compliance at Ramcharan Chits Private Limited
Employment history and EPFO contributions of people linked to Ramcharan Chits.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
Recent Activity on Ramcharan Chits Private Limited
Ramcharan Chits Private Limited has 2 board changes on record since 1994: 2 appointments. The latest: Masthi Srinivas Sujatha was appointed as Director on 22 Apr 1994.
Credit Ratings, Litigation & Regulatory Alerts for Ramcharan Chits Private Limited
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Ramcharan Chits Private Limited
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Ramcharan Chits Private Limited
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Ramcharan Chits Private Limited
Ramcharan Chits has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAACR7140R1ZR | Karnataka | Active | 01 Jul 2017 |
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Ramcharan Chits Private Limited
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Ramcharan Chits Private Limited
Ramcharan Chits is an active private limited company based in Bengaluru, Karnataka, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 22 April 1994 (32+ years old) and is registered under CIN U65992KA1994PTC015540.
Ramcharan Chits reported revenue of ₹3.83 Cr for FY 2025 (up 107% YoY).
Ramcharan Chits has 2 current directors:
- Masthi Subramanya Setty Srinivasa - Managing Director
- Masthi Srinivas Sujatha - Director
Ramcharan Chits reported a net profit of ₹1.25 Cr (net margin 32.7%) and EBITDA of ₹1.74 Cr (EBITDA margin 45.3%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Ramcharan Chits is 25% over three years and 8% over five years. In the latest year (FY 2025) revenue rose 107%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Ramcharan Chits is 29AAACR7140R1ZR, registered in Karnataka.
The CIN (Corporate Identification Number) of Ramcharan Chits is U65992KA1994PTC015540. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Ramcharan Chits has 1 court case on record.
Ramcharan Chits was incorporated on 22 April 1994, making it 32+ years old. It is registered with the Registrar of Companies, Bangalore.
The peers of Ramcharan Chits by revenue are SKST Chit Funds Private Limited, Annachi Chits Private Limited, Panasuna Chits Private Limited, Deccanbhagya Nidhi Limited, Chiranjeeva Chit Funds Private Limited and 5 more, all in the BFSI industry (Micro Finance).
Masthi Srinivas Sujatha was appointed as Director on 22 Apr 1994. Masthi Subramanya Setty Srinivasa was appointed as Managing Director on 22 Apr 1994.