Realstar Microcredit Foundation
About Realstar Microcredit Foundation
Data last updated:
Realstar Microcredit Foundation is a private not for profit company based in Agra, Uttar Pradesh, India. It operates in the bank intermediatories segment of the financial services sector. It was incorporated on 10 January 2020 and has been in existence for over 6 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U65100UP2020NPL125582.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹5 Lakh. It is led by directors including Bijaya Kumar Bala and Bebina Jena.
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 Shop No. 14 2nd Floor Block – 3 Shoe Market Sanjay Place, Agra, Uttar Pradesh, India – 282002.
As per the financials filed for FY 2025, the company reported a revenue of ₹72.88 Lakh, a decline of 54% compared to the previous year. For the same year it recorded a net loss of ₹14,539 (net margin -0.2%) and EBITDA of ₹50,666 (EBITDA margin 0.7%). Revenue has declined at a compounded annual rate (CAGR) of 1% over three years.
Company details
CIN history
Realstar Microcredit Foundation has one previous CIN (Corporate Identification Number): U85300UP2020NPL125582. The current CIN is U65100UP2020NPL125582, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65100UP2020NPL125582 | Current |
| U85300UP2020NPL125582 | Previous |
Contact details
Realstar Microcredit Foundation's registered office is in Agra, Uttar Pradesh.
- Registered AddressShop No. 14 2nd Floor Block – 3 Shoe Market Sanjay Place, Agra, Uttar Pradesh, India – 282002
- IndustryFinancial Services, Bank Intermediatories
- 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 Realstar Microcredit Foundation is financial and insurance service. In detail, this covers activities by trusts, funds and other financial holding companies.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K2 | Activities by Trusts, funds and other financial holding companies |
To see the full business activity and turnover split of Realstar Microcredit Foundation, buy the company report.
Financials of Realstar Microcredit Foundation
FY 2025 filings availableRealstar Microcredit Foundation reported revenue of ₹72.88 Lakh (down 54% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 1% over three years, including a 54% fall in the latest year. EBITDA fell 92% 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 | ₹50,666 | ||||
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| Net Profit (PAT) | -₹14,539 | ||||
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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 | 0.7% | ||||
| Net Profit Margin | -0.2% | ||||
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To see the full financial statements and ratios of Realstar Microcredit Foundation, buy the company report.
Board of directors of Realstar Microcredit Foundation
Realstar Microcredit Foundation has 3 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Bijaya Kumar Bala | Director | 06 Jun 2020 | 6 Years 4 Months | Current |
| Bebina Jena Also directs: Udayanath Foundation | Director | 06 Jun 2020 | 6 Years 4 Months | Current |
| Prasanta Kumar Jena | Director | 06 Jun 2020 | 6 Years 4 Months | Current |
Peer comparison
Realstar Microcredit Foundation is compared with the 10 companies closest to it by revenue in the same principal business activity (activities by trusts, funds and other financial holding companies), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Motilal Oswal Trustee Company Limited | ₹74.83 Lakh (FY 2025) | 8.0% | Mumbai, Maharashtra, India | |||
| Arbor Charitable Foundation | ₹74.62 Lakh (FY 2018) | 271.0% | Khammam, Telangana, India | |||
| Sudharsanam Investments Limited | ₹74.6 Lakh (FY 2025) | 25.0% | Rajapalaiyam, Tamil Nadu, India | |||
| Rishba Devi Chit Funds Private Limited | ₹73.78 Lakh (FY 2025) | 4.0% | Tiruppur, Tamil Nadu, India | |||
| Aditya Metal Trading Private Limited | ₹73.48 Lakh (FY 2025) | -13.0% | Mumbai, Maharashtra, India | |||
| Realstar Microcredit Foundationthis company | ₹72.88 Lakh (FY 2025) | -₹14,539 | -0.2% | -54.0% | Agra, Uttar Pradesh, India | |
| Navanithi Benefit Fund Nidhi Limited | ₹71.83 Lakh (FY 2025) | -1.0% | Uthamapalayam, Tamil Nadu, India | |||
| Spec Finance (Ifsc) Private Limited | ₹70.88 Lakh (FY 2025) | 354300.0% | Gandhinagar, Gujarat, India | |||
| Viruksha Services Foundation | ₹70.35 Lakh (FY 2025) | 11.0% | Udumalaipettai, Tamil Nadu, India | |||
| Snehitha Chit Fund Private Limited | ₹69.95 Lakh (FY 2020) | -6.0% | Hyderabad, Telangana, India | |||
| WRS Info India Private Limited | ₹69.72 Lakh (FY 2025) | 65.0% | New Delhi, Delhi, India |
To see the full peer comparison of Realstar Microcredit Foundation, buy the company report.
Legal cases
No court or tribunal cases involving Realstar Microcredit Foundation 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 Realstar Microcredit Foundation; 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 Realstar Microcredit Foundation; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Realstar Microcredit Foundation has 5 board changes on record since 2020: 3 appointments and 2 cessations. The latest: Rolly Pandey ceased to be Director on 07 Jun 2020.
Frequently asked questions
Realstar Microcredit Foundation is an active private not for profit company based in Agra, Uttar Pradesh, India. The company works in bank intermediatories, within the financial services industry. It was incorporated on 10 January 2020 (6+ years old) and is registered under CIN U65100UP2020NPL125582.
Realstar Microcredit Foundation has 3 current directors:
- Bijaya Kumar Bala - Director
- Bebina Jena - Director
- Prasanta Kumar Jena - Director
The latest financial statements of Realstar Microcredit Foundation 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 2020 are in the company report.
The CIN (Corporate Identification Number) of Realstar Microcredit Foundation is U65100UP2020NPL125582. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Realstar Microcredit Foundation was incorporated on 10 January 2020, making it 6+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Realstar Microcredit Foundation by revenue are Motilal Oswal Trustee Company Limited, Arbor Charitable Foundation, Sudharsanam Investments Limited, Rishba Devi Chit Funds Private Limited, Aditya Metal Trading Private Limited and 5 more, all in the same principal business activity (activities by trusts, funds and other financial holding companies).
Rolly Pandey ceased to be Director on 07 Jun 2020. Shanker Kumar Prajapati ceased to be Director on 07 Jun 2020. Bebina Jena was appointed as Director on 06 Jun 2020. Realstar Microcredit Foundation has 5 board changes on record in total.
The registered office of Realstar Microcredit Foundation is at Shop No. 14 2nd Floor Block – 3 Shoe Market Sanjay Place, Agra, Uttar Pradesh, India – 282002.
Realstar Microcredit Foundation operates in the financial services industry, in the bank intermediatories segment.
Realstar Microcredit Foundation can be reached at its registered office: Shop No. 14 2nd Floor Block – 3 Shoe Market Sanjay Place, Agra, Uttar Pradesh, India – 282002.
Realstar Microcredit Foundation is registered under the jurisdiction of the Registrar of Companies (ROC), Kanpur.