MSME (Udyam registered) Ministry of MSME
- Category
- Micro (2024-25)
- Udyam number
- UDYAM-WB-14-0014189
Sanjay Credit Pvt. Ltd
Sanjay Credit Pvt. Ltd - business outsourcing in Jugberia, West Bengal, India. FY 2026 financials & compliance.
Revenue · FY 2023
₹30,000
▼ 75% YoY
Net loss · FY 2023
₹11,262
Net margin -37.5%
EBITDA · FY 2023
-₹36,262
EBITDA margin -120.9%
Authorised capital
₹5 Lakh
Registered with MCA
Paid-up capital
₹3.2 Lakh
Issued & subscribed
Open charges
₹10.7 Cr
Secured borrowings
Company age
34 yrs
Est. 1992
Directors on board
3
As per MCA filings
About Sanjay Credit Pvt. Ltd
Data last updated:
Sanjay Credit Pvt. Ltd is a private limited company based in Jugberia, West Bengal, India. It operates in the business and IT consulting segment of the business process outsourcing sector. It was incorporated on 22 May 1992 and has been in existence for over 34 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U70101WB1992PTC055520. The company has 1 GST registration on record, which is no longer active.
The company has an authorised share capital of ₹5 Lakh and a paid-up capital of ₹3.2 Lakh. It is led by directors including Abhishek Agarwal and Krishna Kumar Agarwal.
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 Bodai Panchayat Road Jugberia Gali No 3 Sodepur Ghola, West Bengal, India – 700110.
As per the financials filed for FY 2023, the company reported a revenue of ₹30,000, a decline of 75% compared to the previous year. For the same year it recorded a net loss of ₹11,262 (net margin -37.5%) and EBITDA of -₹36,262 (EBITDA margin -120.9%).
As per MCA filings, the company has open charges of ₹10.7 Cr on record. Court records list 1 case involving the company, including 1 filed by the company.
Sanjay Credit Pvt. Ltd is registered as a micro enterprise under the Udyam registration framework (Reg. No. UDYAM-WB-14-0014189). The current compliance status is marked as compliant by the Registrar of Companies.
Company details
CIN U70101WB1992PTC055520
Registration Number 055520
Incorporation Date 22 May 1992
ROC Kolkata
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Micro
Udyam Registration UDYAM-WB-14-0014189
Key People
Abhishek Agarwal Additional Director Krishna Kumar Agarwal Additional Director Deepak Agarwal Additional Director Recognitions & Rankings of Sanjay Credit
Contact details
Sanjay Credit Pvt. Ltd's registered office is in Jugberia, West Bengal. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered AddressBodai Panchayat Road Jugberia Gali No 3 Sodepur Ghola, West Bengal, India – 700110
- IndustryBusiness Outsourcing, Business & IT Consulting
To see the full contact details of Sanjay Credit Pvt. Ltd, buy the company report.
Comprehensive company report
Sanjay Credit Pvt. Ltd - one report that includes everything
- 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
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Financials of Sanjay Credit Pvt. Ltd
FY 2025 filings availableSanjay Credit Pvt. Ltd reported revenue of ₹30,000 (down 75% YoY) for FY 2023.
Revenue · FY 2023
₹30,000 ▼ 75%
Net loss · FY 2023
₹11,262 margin -37.5%
EBITDA · FY 2023
-₹36,262 margin -120.9%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▼ 75%
Revenue fell 75% in the latest year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹30,000 | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | -₹36,262 | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹11,262 | ||||
| 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
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -120.9% | ||||
| Net Profit Margin | -37.5% | ||||
| 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 | |||||
To see the full financial statements and ratios of Sanjay Credit Pvt. Ltd, buy the company report.
Board of directors of Sanjay Credit Pvt. Ltd
Sanjay Credit has 3 current directors and 2 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Abhishek Agarwal Also directs: Cubic Packaging Solutions LLP, ZVG Clothing Private Limited, Goldmonk Industries Private Limited and 2 more | Additional Director | 20 Jan 2021 | 5 Years 9 Months | Current |
| Krishna Kumar Agarwal Also directs: Cubic Packaging Solutions LLP, Sanjay Shelters Pvt Ltd | Additional Director | 20 Jan 2021 | 5 Years 9 Months | Current |
| Deepak Agarwal Also directs: Cubic Packaging Solutions LLP, ZVG Clothing Private Limited, Goldmonk Industries Private Limited and 2 more | Additional Director | 20 Jan 2021 | 5 Years 9 Months | Current |
Auditor
Sanjay Credit Pvt. Ltd is audited by SATISH CHOUDHARY for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| SATISH CHOUDHARY | FY 2023 | 314505 |
Shareholding
The shareholding of Sanjay Credit Pvt. Ltd is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Sanjay Credit Pvt. Ltd, buy the company report.
Charges & borrowings
Open charges
₹10.7 Cr
Satisfied charges
None
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 06 Feb 2023 | 100693492 | Others | ₹2.5 Cr | Open | |
| 06 Feb 2023 | 100693295 | Others | ₹3.85 Cr | Open | |
| 29 Oct 2021 | 100514084 | Hdfc Bank Limited | ₹4.35 Cr | Open |
To see the full charge records of Sanjay Credit Pvt. Ltd, buy the company report.
Total charge records: 3 View all charges
Legal cases
Sanjay Credit Pvt. Ltd has 1 court case on record: 1 filed by Sanjay Credit. All case is disposed.
Total cases
1
Filed by the company
1
Disposed
1
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court | Company petition | Filed by the company against Sanjay Saha -VS- the Registrar of Companies, West Bengal | Disposed |
To see the full case history of Sanjay Credit Pvt. Ltd, buy the company report.
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.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Sanjay Credit Pvt. Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Sanjay Credit has 1 GST registration on record, and it has been cancelled or is inactive. Only active GST numbers are listed on this page.
Total GSTINs
1
Cancelled / inactive
1
To see the full GST registrations and return filing status of Sanjay Credit Pvt. Ltd, buy the company report.
Recent activity
Sanjay Credit Pvt. Ltd has 5 board changes on record since 2021: 3 appointments and 2 cessations. The latest: Abhishek Agarwal was appointed as Additional Director on 20 Jan 2021.
AGM
Sanjay Credit Pvt. Ltd last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Filing
Sanjay Credit Pvt. Ltd has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Kolkata.
Charges
A charge with Others of Rs. 250.00 Lakh registered on 06 Feb 2023 with Charge ID 100693492 was modified on 24 Jan 2024.
Charges
A charge with Others of Rs. 384.80 Lakh registered on 06 Feb 2023 with Charge ID 100693295 was modified on 04 Apr 2023.
Charges
A charge with Others amounted to Rs. 384.80 Lakh with Charge ID 100693295 was registered on 06 Feb 2023.
Charges
A charge with Others amounted to Rs. 250.00 Lakh with Charge ID 100693492 was registered on 06 Feb 2023.
Charges
A charge with Hdfc Bank Limited amounted to Rs. 434.91 Lakh with Charge ID 100514084 was registered on 29 Oct 2021.
Appointed
Abhishek Agarwal was appointed as Additional Director.
Appointed
Deepak Agarwal was appointed as Additional Director.
Appointed
Krishna Kumar Agarwal was appointed as Additional Director.
Ceased
Rakhi Saha ceased to be Director.
Ceased
Sanjay Saha ceased to be Director.
1 earlier event is in the company report.
Frequently asked questions
Sanjay Credit is an active private limited company based in Jugberia, West Bengal, India. The company works in business and IT consulting, within the business outsourcing industry. It was incorporated on 22 May 1992 (34+ years old) and is registered under CIN U70101WB1992PTC055520.
Sanjay Credit has 3 current directors:
- Abhishek Agarwal - Additional Director
- Krishna Kumar Agarwal - Additional Director
- Deepak Agarwal - Additional Director
The latest financial statements of Sanjay Credit 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 2015 are in the company report.
No. Sanjay Credit has 1 GST registration on record and it is cancelled or inactive.
The CIN (Corporate Identification Number) of Sanjay Credit is U70101WB1992PTC055520. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Sanjay Credit has 1 court case on record: 1 filed by the company.
Sanjay Credit was incorporated on 22 May 1992, making it 34+ years old. It is registered with the Registrar of Companies, Kolkata.
Abhishek Agarwal was appointed as Additional Director on 20 Jan 2021. Deepak Agarwal was appointed as Additional Director on 20 Jan 2021. Krishna Kumar Agarwal was appointed as Additional Director on 20 Jan 2021. Sanjay Credit has 5 board changes on record in total.
Yes, Sanjay Credit is registered as a micro enterprise under Udyam registration (number: UDYAM-WB-14-0014189).
The registered office of Sanjay Credit is at Bodai Panchayat Road Jugberia Gali No 3 Sodepur Ghola, West Bengal, India – 700110.
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