Real Smart Micro Finance Association
About Real Smart Micro Finance Association
Data last updated:
Real Smart Micro Finance Association is a private not for profit company based in Varanasi, Uttar Pradesh, India. It operates in the financial auxiliary services segment of the financial services sector. It was incorporated on 09 March 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U67190UP2016NPL077061.
The company has an authorised share capital of ₹2 Cr and a paid-up capital of ₹70 Lakh. It is led by directors including Ashok Kumar Yadav and Suresh Chandra Yadav.
Its last annual general meeting (AGM) was held on 25 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at H No – 2 Village Ahmadpur Post Shivpur Vsi, Varanasi, Uttar Pradesh, India – 221003.
As per the financials filed for FY 2025, the company reported a revenue of ₹1.07 Cr, a growth of 48% compared to the previous year. For the same year it recorded a net profit of ₹3.85 Lakh (net margin 3.6%) and EBITDA of ₹25.64 Lakh (EBITDA margin 24%). Revenue has grown at a compounded annual rate (CAGR) of 397% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Real Smart Micro Finance Association's registered office is in Varanasi, Uttar Pradesh. Its e-mail address is in the company report.
- Email
- Registered AddressH No – 2 Village Ahmadpur Post Shivpur Vsi, Varanasi, Uttar Pradesh, India – 221003
- IndustryFinancial Services, Auxiliary To Financial Intermediatory
To see the full contact details of Real Smart Micro Finance Association, 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 Real Smart Micro Finance Association 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 Real Smart Micro Finance Association, buy the company report.
Financials of Real Smart Micro Finance Association
FY 2025 filings availableReal Smart Micro Finance Association reported revenue of ₹1.07 Cr (up 48% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 397% over three years, including 48% growth in the latest year. EBITDA rose 236% 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 | ₹25.64 Lakh | ||||
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| Net Profit (PAT) | ₹3.85 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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| EBITDA Margin | 24% | ||||
| Net Profit Margin | 3.6% | ||||
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To see the full financial statements and ratios of Real Smart Micro Finance Association, buy the company report.
Board of directors of Real Smart Micro Finance Association
Real Smart Micro Finance Association has 3 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ashok Kumar Yadav | Director | 01 Oct 2021 | 5 Years 0 Months | Current |
| Suresh Chandra Yadav | Director | 01 Oct 2021 | 5 Years 0 Months | Current |
| Vijay Kumar Yadav | Director | 01 Oct 2021 | 5 Years 0 Months | Current |
Peer comparison
Real Smart Micro Finance Association is compared with the 4 companies closest to it by revenue in the BFSI industry (Finance, 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 |
|---|---|---|---|---|---|---|
| Fingold Micro Foundation | ₹1.07 Cr (FY 2025) | 41.0% | Shahadra, Delhi, India | |||
| Real Smart Micro Finance Associationthis company | ₹1.07 Cr (FY 2025) | ₹3.85 Lakh | 3.6% | 48.0% | Varanasi, Uttar Pradesh, India | |
| Lionlender Finance Private Limited | ₹1.06 Cr (FY 2024) | 836.0% | Nagpur, Maharashtra, India | |||
| Wincoast Nidhi Limited | ₹1.06 Cr (FY 2025) | -10.0% | Thrissur, Kerala, India | |||
| Girnar Chit Funds Private Limited | ₹1.06 Cr (FY 2025) | 0.0% | Hyderabad, Telangana, India |
To see the full peer comparison of Real Smart Micro Finance Association, buy the company report.
Legal cases
No court or tribunal cases involving Real Smart Micro Finance Association 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 Real Smart Micro Finance Association; 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 Real Smart Micro Finance Association; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Real Smart Micro Finance Association has 6 board changes on record since 2021: 3 appointments and 3 cessations. The latest: Raj Kishor Chaurasia ceased to be Director on 18 Oct 2021.
Frequently asked questions
Real Smart Micro Finance Association is an active private not for profit company based in Varanasi, Uttar Pradesh, India. The company works in auxiliary to financial intermediatory, within the financial services industry. It was incorporated on 09 March 2016 (10+ years old) and is registered under CIN U67190UP2016NPL077061.
Real Smart Micro Finance Association has 3 current directors:
- Ashok Kumar Yadav - Director
- Suresh Chandra Yadav - Director
- Vijay Kumar Yadav - Director
The latest financial statements of Real Smart Micro Finance Association on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 25 September 2025. Year-wise statements from FY 2016 are in the company report.
The CIN (Corporate Identification Number) of Real Smart Micro Finance Association is U67190UP2016NPL077061. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Real Smart Micro Finance Association was incorporated on 09 March 2016, making it 10+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
The peers of Real Smart Micro Finance Association by revenue are Fingold Micro Foundation, Lionlender Finance Private Limited, Wincoast Nidhi Limited, Girnar Chit Funds Private Limited, all in the BFSI industry (Finance, Micro Finance), with the same principal business activity (other financial activities).
Raj Kishor Chaurasia ceased to be Director on 18 Oct 2021. Shambhu Choursiya ceased to be Director on 18 Oct 2021. Narendra ceased to be Director on 14 Oct 2021. Real Smart Micro Finance Association has 6 board changes on record in total.
The registered office of Real Smart Micro Finance Association is at H No – 2 Village Ahmadpur Post Shivpur Vsi, Varanasi, Uttar Pradesh, India – 221003.
Real Smart Micro Finance Association operates in the financial services industry, in the auxiliary to financial intermediatory segment.
The compliance status of Real Smart Micro Finance Association is compliant as of 05 September 2026. The company is actively filing with the Registrar of Companies.
Real Smart Micro Finance Association can be reached at its registered office: H No – 2 Village Ahmadpur Post Shivpur Vsi, Varanasi, Uttar Pradesh, India – 221003.