S M L Finance Limited - Company Profile

It is a financial services public limited company based in Thrissur, Kerala, India, established in 1996.
1996 Thrissur, Kerala, India Active
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About S M L Finance Limited

S M L Finance Limited, a active public limited company, was established on 13 August 1996 in Thrissur, Kerala, India. Engaging in investment & credit nbfc within the financial and insurance service sector, it holds CIN: U65910KL1996PLC010648. Registered under ROC Roc Ernakulam. it is unlisted. It has an authorized capital of ₹15.00 Cr and a paid-up capital of ₹6.03 Cr.

Formerly known as S M L Finance Private Limited. It upholds a compliant status. Employing 181 professional, Its leadership includes Chungath Cheru Simon (Director), Abin M Behanan (Director), Jojo Joseph Njezhuvinkel (Director). Past directors included William Varghese Chungath Cheru, Abin M Behanan, Abraham Jacob. It holds ₹122.13 Cr open charges and ₹459.52 Cr settled loans. Its latest AGM occurred on 30 September 2025, with the balance sheet filed on 31 March 2025. It is based at El/Xv652Kmc Bethani Complexthrissur Road Kunnamkulam, Thrissur, Kerala, 680503.

Company Details
  • Email
    **********
  • Telephone

    +91-XXXXXXXXXX

  • Website
    **********
  • Social Media
    **********
  • Apps
    **********

Company Details

  • CIN/LLPIN

    U65910KL1996PLC010648

  • Registration Number

    010648

  • Incorporation Date

    13 August 1996

  • Authorized Capital

    ₹15.00 Cr

  • Paid-Up Capital

    ₹6.03 Cr

  • ROC Code

    Roc Ernakulam

  • Listing Status

    Unlisted

  • Company Status

    Active

Key Metrics
  • Authorised Capital ₹ 15.00 Cr
  • Paid Up Capital ₹ 6.03 Cr
  • Company Age 29 Year, 6 Months
  • Last Filing with ROC 31 Mar 2025
  • Open Charges ₹ 122.13 Cr
  • Satisfied Charges ₹ 459.52 Cr
  • Revenue Growth **** 2.60%
  • Profit Growth **** 70.86%
  • Ebitda **** -61.70%
  • Net Worth 1.01%
  • Total Assets -8.46%
Company report

S M L Finance Limited

Company Report FY 2025-2026

Comprehensive Company Insights

Explore comprehensive insights into S M L Finance Limited — covering financial performance, compliance records, Competitor, shareholding patterns, directors, key metrics, and litigation history. Unlock to see detailed insights and stay informed.

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Who are the key members and board of directors at S M L Finance Limited?
Current Directors
Name Designation Appointment Date Status
Chungath Cheru Simon Director 05 Nov 1996 Current
Abin M Behanan Director 03 Mar 2020 Current
Jojo Joseph Njezhuvinkel Director 04 Aug 2016 Current
Puthukkunnathu Kuriakose Thankarajan Director 19 Nov 2022 Current
Kocheril Ittoop Varghese Director 06 Nov 2018 Current
Susanna Isaac Director 30 Aug 2010 Current
Past Directors
Name Designation Cessation Status
Pramod Abcsdd Director 12 Apr 2019 Past
Pramod Abcsdd Additional Director 31 Dec 2020 Past
Pramod Abcsdd Additional Director 27 Sep 2018 Past
Pramod Abcsdd Cfo(Kmp) - Past
Pramod Abcsdd Company Secretary - Past
Pramod Abcsdd Additional Director 30 Sep 2016 Past

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Financial Performance of S M L Finance.

S M L Finance Limited, for the financial year ended 2023, experienced modest growth in revenue, with a 2.6% increase. The company also saw a substantial improvement in profitability, with a 70.86% increase in profit. The company's net worth moved up by a moderate rise of 1.01%.

S M L Finance revenue growth over time
S M L Finance profit and loss trends over time
Date Amount Transaction Name Valuation Lead Investors Investors
Jul, 2021 Amount Post-IPO - Grab Valuation

investors
Emtek
Feb, 2021 Amount Post-IPO - Grab Valuation

investors
Signite Partners
Jan, 2021 Amount Post-IPO - Grab Valuation

investors
Hana Financial Group , GGV Capital
Feb, 2021 Amount Post-IPO - Grab Valuation

investors
Signite Partners
  • Key Matrics
  • Balance Sheet
  • Profit and Loss
  • Cash Flow
  • Ratios
Metrics
(FY 2023) YOY Growth
(FY 2022) (FY 2021) (FY 2020) (FY 2019)
Total Revenue
********
 2.60%
*******
*******
*******
*******
Revenue from Operations
*******
 -16.18%
*******
*******
*******
*******
Total Assets
*******
 -8.46%
*******
*******
*******
*******
Profit or Loss
*******
 70.86%
*******
*******
*******
*******
Net Worth
*******
 1.01%
*******
*******
*******
*******
EBITDA
*******
 -61.70%
*******
*******
*******
*******

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What is the Ownership and Shareholding Structure of S M L Finance?

In 2023, S M L Finance had a promoter holding of 100.00%. The company had 1 Subsidiary. Access key insights, ownership, including shareholding patterns, funding, foreign investors, KMP remuneration, group structure, and overseas investments.

Shareholding Pattern (FY 2024)
shareholding
  • Promoters: 92.83%
  • Public: 4.10%
  • Others: 3.07%
Shareholding Pattern over the Year
FY (2024) FY (2023) FY (2022) FY (2021) FY (2020)
Promoters 92.83 94.62 94.55 94.55 94.55
Public 4.10 3.89 3.95 3.96 3.98
Others 3.07 1.49 1.50 1.49 1.47

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Charges (Loans)
Open Charges

₹1,221,345,782.00

Satisfied Charges

₹4,595,230,000.00

Charges Breakdown by Lending Institutions
  • Others : 73.90 Cr
  • State Bank Of India : 30.08 Cr
  • Indian Overseas Bank : 17.95 Cr
  • Corporation Bank : 0.12 Cr
  • Sundaram Finance Ltd. : 0.08 Cr
Latest Charge Details
Date Lender Amount Status
29 Sep 2025 Others ₹5.75 M Open
24 Sep 2025 Others ₹1.23 Cr Open
28 Apr 2025 Others ₹1.65 Cr Open
03 Apr 2025 Indian Overseas Bank ₹2.95 Cr Open
28 Mar 2025 Others ₹7.50 Cr Open

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How Many Employees Work at S M L Finance?

S M L Finance has a workforce of 181 employees as of Apr 05, 2024. Unlock access to detailed historical data on individuals associated with the company, including employment records, contributions to the Employees' Provident Fund Organization (EPFO), and other related insights.

Employee Date Number of Employees
2020 78,000
2021 80,500
2022 83,200
2023 86,000
2024 89,500
2025 92,000
Deals i
Graph showing company valuation over time

Gain comprehensive insights into the Deals and Valuation data of S M L Finance, offering detailed information on various transactions, including security allotment data. Explore the intricate details of financial agreements, mergers, acquisitions, divestitures, and strategic partnerships that have shaped S M L Finance's trajectory.

Rating
Graph displaying rating trends over time

Access the credit rating data, providing valuable insights into the company's creditworthiness and financial stability. Explore assessments from leading credit rating agencies, evaluating factors such as debt obligations, liquidity, profitability, and overall financial health.

Alerts
Alert Indicator

Stay informed about regulatory alerts and litigation involving and associated companies. Receive timely updates on legal proceedings, regulatory changes, and compliance issues that may impact the company's operations, reputation, and financial performance. Monitor litigation involving subsidiaries, joint ventures, and other affiliated entities to assess potential risks and liabilities.

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Latest Updates, News, and FAQs on S M L Finance
Recent Activity within the Organization
  • Annual General Meeting

    S M L Finance Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records. was recorded as a recent event.

  • Charges

    A charge with Others amounted to Rs. 0.58 Cr with Charge ID 101171017 was registered on 29 Sep 2025. was recorded as a recent event.

  • Charges

    The activity A charge with Others amounted to Rs. 1.23 Cr with Charge ID 101171018 was registered on 24 Sep 2025. was completed.

  • Charges

    A charge registered on 31 Jul 2015 via Charge ID 100025143 with Others was fully satisfied on 22 Sep 2025. was recorded as a recent event.

  • Charges

    Progress on A charge registered on 25 Jun 2014 via Charge ID 10559191 with Others was fully satisfied on 22 Sep 2025. was documented.

  • Charges

    Progress on A charge registered on 30 Apr 2015 via Charge ID 10604456 with Others was fully satisfied on 13 May 2025. was documented.

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Frequently Asked Questions
What is the CIN of S M L Finance Limited?

The CIN of S M L Finance Limited is U65910KL1996PLC010648.

Where is S M L Finance Limited headquartered?

S M L Finance Limited is headquartered at El/Xv652Kmc Bethani Complexthrissur Road Kunnamkulam, Thrissur, Kerala, 680503.

When was S M L Finance Limited incorporated?

S M L Finance Limited was incorporated on 13 August 1996.

Who are the current directors of S M L Finance Limited?

The current directors of S M L Finance Limited are

What is the primary industry of S M L Finance Limited?

The primary industry of S M L Finance Limited is Financial And Insurance Service.

Is S M L Finance Limited a listed company?

S M L Finance Limited is unlisted.

What is the capital structure of S M L Finance Limited?

The authorized capital of S M L Finance Limited is ₹15.00 Cr, and the paid-up capital is ₹6.03 Cr.

What is the compliance status of S M L Finance Limited?

The compliance status of S M L Finance Limited is Compliant.

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