About Sai Samarpan Micro Credit
Data last updated:
Sai Samarpan Micro Credit is a private not for profit company based in Lucknow, Uttar Pradesh, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 15 April 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U93030UP2011NPL044372.
The company has an authorised share capital of ₹10 Cr and a paid-up capital of ₹4.95 Cr. It is led by directors Praveen Yadav and Sanjay Kumar Yadav.
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 1D/02 Vardan Khand Gomti Nagar, Lucknow, Uttar Pradesh, India – 226010.
As per the financials filed for FY 2025, the company reported a revenue of ₹62.29 Lakh, a growth of 8% compared to the previous year. For the same year it recorded a net profit of ₹78,608 (net margin 1.3%) and EBITDA of ₹1.86 Lakh (EBITDA margin 3%). Revenue has declined at a compounded annual rate (CAGR) of 3% over three years and 10% over five years.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website saissgroup.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered Address1D/02 Vardan Khand Gomti Nagar, Lucknow, Uttar Pradesh, India – 226010
- 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 Sai Samarpan Micro Credit
The main business activity of Sai Samarpan Micro Credit 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 Sai Samarpan Micro Credit FY 2025 filings available
Sai Samarpan Micro Credit reported revenue of ₹62.29 Lakh (up 8% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Sai Samarpan Micro Credit
Revenue rose 8% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 10%. EBITDA fell 7% 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 Sai Samarpan Micro Credit
| 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 | ₹1.86 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹78,608 | •••• | •••• | •••• | •••• |
| 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 Sai Samarpan Micro Credit
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 1.3% | •••• | •••• | •••• | •••• |
| 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 Sai Samarpan Micro Credit 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 Sai Samarpan Micro Credit
Sai Samarpan Micro Credit is compared with the companies closest to it by revenue in the BFSI industry (Other Financial Services). Revenue, net profit, margin and growth of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| M N K Chits Private Limited | •••• | •••• | •••• | •••• | - | Bangalore, Karnataka, India |
| Abhyudaya Vanijya Private Limited | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Pinaca Consultants Private Limited | •••• | •••• | •••• | •••• | - | Chandighar, Chandigarh, India |
| Strikord Mercantiles Limited | •••• | •••• | •••• | •••• | - | Park Circus, West Bengal, India |
| Sagarmal Ramesh Kumar Pvt Ltd | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Sai Samarpan Micro Credit this company | •••• | •••• | •••• | •••• | - | Lucknow, Uttar Pradesh, India |
| Jagdamba Tradecomm Private Limited | •••• | •••• | •••• | •••• | - | Kolkata, West Bengal, India |
| Delta Agro Commodites Private Limited | •••• | •••• | •••• | •••• | - | Mumbai, Maharashtra, India |
| Radical Agro Products Private Limited | •••• | •••• | •••• | •••• | - | New Delhi, Delhi, India |
| Anam Machinery Fabricators Private Limited | •••• | •••• | •••• | •••• | - | Chennai, Tamil Nadu, India |
| Softdeal Professional Services Private Limited | •••• | •••• | •••• | •••• | - | Ranchi, Jharkhand, India |
Peers are the five companies nearest above and the five nearest below Sai Samarpan Micro Credit by revenue in the BFSI industry (Other Financial Services), from the latest filed financials of each company. Revenue, net profit, margin and growth of each peer are in the company report.
Auditor Details of Sai Samarpan Micro Credit
Sai Samarpan Micro Credit is audited by GAURAV SAXENA & Co for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| GAURAV SAXENA & Co | 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 Sai Samarpan Micro Credit
Sai Samarpan Micro Credit has 2 current directors and 11 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Praveen Yadav Also directs: Light Foundation | Director | 28 Aug 2023 | 3 Years 1 Months | Current |
| Sanjay Kumar Yadav | Director | 22 Mar 2023 | 3 Years 6 Months | Current |
Ownership and Shareholding of Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
Sai Samarpan Micro Credit does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Sai Samarpan Micro Credit
Employment history and EPFO contributions of people linked to Sai Samarpan Micro Credit.
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 Sai Samarpan Micro Credit
Sai Samarpan Micro Credit has 15 board changes on record since 2011: 4 appointments and 11 cessations. The latest: Amit Kumar Pandey ceased to be Director on 30 Jun 2025.
6 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
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 Sai Samarpan Micro Credit
Sai Samarpan Micro Credit is an active private not for profit company based in Lucknow, Uttar Pradesh, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 15 April 2011 (15+ years old) and is registered under CIN U93030UP2011NPL044372.
Sai Samarpan Micro Credit reported revenue of ₹62.29 Lakh for FY 2025 (up 8% YoY).
Sai Samarpan Micro Credit has 2 current directors:
- Praveen Yadav - Director
- Sanjay Kumar Yadav - Director
Sai Samarpan Micro Credit reported a net profit of ₹78,608 (net margin 1.3%) and EBITDA of ₹1.86 Lakh (EBITDA margin 3%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Sai Samarpan Micro Credit is -3% over three years and -10% over five years. In the latest year (FY 2025) revenue rose 8%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Sai Samarpan Micro Credit is U93030UP2011NPL044372. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Sai Samarpan Micro Credit was incorporated on 15 April 2011, making it 15+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
The peers of Sai Samarpan Micro Credit by revenue are M N K Chits Private Limited, Abhyudaya Vanijya Private Limited, Pinaca Consultants Private Limited, Strikord Mercantiles Limited, Sagarmal Ramesh Kumar Pvt Ltd and 5 more, all in the BFSI industry (Other Financial Services).
Amit Kumar Pandey ceased to be Director on 30 Jun 2025. Praveen Yadav ceased to be Additional Director on 29 Sep 2023. Mukesh Kumar ceased to be Director on 04 Sep 2023. Sai Samarpan Micro Credit has 15 board changes on record in total.
Sai Samarpan Micro Credit can be reached through the website saissgroup.com. Its registered office is in Lucknow, Uttar Pradesh, India.
The registered office of Sai Samarpan Micro Credit is at 1D02 Vardan Khand Gomti Nagar, Lucknow, Uttar Pradesh, India – 226010.