Roshco Chits Private Limited
About Roshco Chits Private Limited
Data last updated:
Roshco Chits Private Limited is a private limited company based in Kottayam, Kerala, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 18 March 2013 and has been in existence for over 13 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2013PTC033537. Its GSTIN is 32AAGCR3266G1ZI (Kerala).
The company has an authorised share capital of ₹3 Cr and a paid-up capital of ₹1.25 Cr. It is led by directors Reshma Shyna Shajan (Managing Director) and Roshna Shyna Shajan (Managing 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 13/666B Near Kerala Kaumudi T.B. Road, Kottayam, Kerala, India – 686001.
As per the financials filed for FY 2024, the company reported a revenue of ₹1.02 Cr, a decline of 10% compared to the previous year. For the same year it recorded a net profit of ₹7.49 Lakh (net margin 7.3%) and EBITDA of ₹11.54 Lakh (EBITDA margin 11.3%). Revenue has declined at a compounded annual rate (CAGR) of 246% over three years and 6% over five years.
Court records list 2 cases involving the company, including 1 filed by the company.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address13/666B Near Kerala Kaumudi T.B. Road, Kottayam, Kerala, India – 686001
- IndustryFinancial Services, Financial Activities
- 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 Roshco Chits Private Limited
The main business activity of Roshco Chits is financial and insurance service. In detail, this covers other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial 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 Roshco Chits Private Limited FY 2025 filings available
Roshco Chits Private Limited reported revenue of ₹1.02 Cr (down 10% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Roshco Chits Private Limited
Revenue has declined at a compounded annual rate (CAGR) of 6% over five years, including a 10% fall in the latest year. EBITDA rose 18% 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 Roshco Chits Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| 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 | ₹11.54 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹7.49 Lakh | •••• | •••• | •••• | •••• |
| 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 Roshco Chits Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 11.3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 7.3% | •••• | •••• | •••• | •••• |
| 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 Roshco 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 Roshco Chits Private Limited
Roshco Chits Private Limited is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Priya Nivesh Pvt. Ltd. | ₹1.03 Cr (FY 2025) | •••• | •••• | 50.0% | •••• | Kolkata, West Bengal, India |
| Millennials Insurance Brokers Private Limited | ₹1.02 Cr (FY 2025) | •••• | •••• | -61.0% | •••• | Gurgaon, Haryana, India |
| Labhanshi Nidhi Limited | ₹1.02 Cr (FY 2023) | •••• | •••• | -3.0% | •••• | Bhopal, Madhya Pradesh, India |
| Hima Chit Fund Private Limited | ₹1.02 Cr (FY 2024) | •••• | •••• | -7.0% | •••• | Hanamkonda, Telangana, India |
| Jackson Commercial Pvt.Ltd. | ₹1.02 Cr (FY 2024) | •••• | •••• | 35.0% | •••• | Kolkata, West Bengal, India |
| Roshco Chits Private Limited this company | ₹1.02 Cr (FY 2024) | •••• | •••• | -10.0% | •••• | Kottayam, Kerala, India |
| American Radiolabeled Chemicals (India) Company Private Limited | ₹1.02 Cr (FY 2025) | •••• | •••• | 1.0% | •••• | Hyderabad, Telangana, India |
| Goshop Utility & Financial Services Private Limited | ₹1.02 Cr (FY 2025) | •••• | •••• | -77.0% | •••• | Ghaziabad, Uttar Pradesh, India |
| Koliakode Nidhi Limited | ₹1.02 Cr (FY 2025) | •••• | •••• | 16.0% | •••• | Thiruvananthapuram, Kerala, India |
| Parshwa Credit and Finance Private Limited | ₹1.02 Cr (FY 2025) | •••• | •••• | 90.0% | •••• | Surat, Gujarat, India |
| Parasramka Projects Pvt Ltd | ₹1.02 Cr (FY 2025) | •••• | •••• | 18.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Roshco Chits by revenue in the same principal business activity (Other financial activities), 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 Roshco Chits Private Limited
Roshco Chits Private Limited is audited by ROBIN JOSEPH for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| ROBIN JOSEPH | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Roshco Chits Private Limited
Roshco Chits has 2 current directors and 5 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Reshma Shyna Shajan Also directs: Roshco Mutual Benefit Nidhi Limited | Managing Director | 28 Mar 2017 | 9 Years 6 Months | Current |
| Roshna Shyna Shajan Also directs: Roshco Mutual Benefit Nidhi Limited | Managing Director | 02 Jul 2018 | 8 Years 3 Months | Current |
Ownership and Shareholding of Roshco 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 Roshco Chits Private Limited
Roshco Chits Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Roshco Chits Private Limited
Roshco Chits Private Limited has 2 court cases on record: 1 filed by Roshco Chits, 1 where it is another party. All cases are disposed. Status as checked between 01 Oct 2026 and 03 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 0 |
| District courts | 1 | 0 | 0 |
Cases on record (2 of 2)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Kottayam, Kerala | Execution petition | Filed by the company against an individual | Disposed |
| High Court of Kerala | Writ petition | Company is another party | Disposed |
Full case history
All 2 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 Roshco Chits Private Limited
Employment history and EPFO contributions of people linked to Roshco 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 Roshco Chits Private Limited
Roshco Chits Private Limited has 7 board changes on record since 2017: 2 appointments and 5 cessations. The latest: Reshma Shyna Shajan ceased to be Director on 12 Dec 2022.
Credit Ratings, Litigation & Regulatory Alerts for Roshco 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 Roshco 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 Roshco 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 Roshco Chits Private Limited
Roshco Chits has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AAGCR3266G1ZI | Kerala | 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 Roshco 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 Roshco Chits Private Limited
Roshco Chits is an active private limited company based in Kottayam, Kerala, India. The company works in financial activities, within the financial services industry. It was incorporated on 18 March 2013 (13+ years old) and is registered under CIN U65992KL2013PTC033537.
Roshco Chits reported revenue of ₹1.02 Cr for FY 2024 (down 10% YoY).
Roshco Chits has 2 current directors:
- Reshma Shyna Shajan - Managing Director
- Roshna Shyna Shajan - Managing Director
Roshco Chits reported a net profit of ₹7.49 Lakh (net margin 7.3%) and EBITDA of ₹11.54 Lakh (EBITDA margin 11.3%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Roshco Chits is 246% over three years and -6% over five years. In the latest year (FY 2024) revenue fell 10%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Roshco Chits is 32AAGCR3266G1ZI, registered in Kerala.
The CIN (Corporate Identification Number) of Roshco Chits is U65992KL2013PTC033537. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Roshco Chits has 2 court cases on record: 1 filed by the company. Most are in the high courts.
Roshco Chits was incorporated on 18 March 2013, making it 13+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Roshco Chits by revenue are Priya Nivesh Pvt. Ltd, Millennials Insurance Brokers Private Limited, Labhanshi Nidhi Limited, Hima Chit Fund Private Limited, Jackson Commercial Pvt.Ltd. and 5 more, all in the same principal business activity (Other financial activities).
Reshma Shyna Shajan ceased to be Director on 12 Dec 2022. Roshan Shajan ceased to be Director on 09 Nov 2022. Roshna Shyna Shajan ceased to be Director on 09 Nov 2022. Roshco Chits has 7 board changes on record in total.