Sanjay M.Credit Pvt Ltd
About Sanjay M.Credit Pvt Ltd
Data last updated:
Sanjay M.Credit Pvt Ltd is a private limited company based in Howrah, West Bengal, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 08 February 1996 and has been in existence for over 30 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U67120WB1996PTC077154.
The company has an authorised share capital of ₹2.6 Cr and a paid-up capital of ₹2.6 Cr. It is led by directors Manju Biyala and Sanjay Kumar Biyala.
Its last annual general meeting (AGM) was held on 30 September 2024, and its latest financial statements are for the year ended 31 March 2024. The registered office is at Howrah, West Bengal.
As per the financials filed for FY 2025, the company reported a revenue of ₹36.65 Lakh, a growth of 25% compared to the previous year. For the same year it recorded a net profit of ₹85,592 (net margin 2.3%) and EBITDA of ₹1.15 Lakh (EBITDA margin 3.1%). Revenue has grown at a compounded annual rate (CAGR) of 14% over three years and 35% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Sanjay M.Credit Pvt Ltd's registered office is in Howrah, West Bengal. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered Address48/1 Rose Mary Lane, 4th Floor Flat No.402, Howrah, West Bengal, India – 711101
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Sanjay M.Credit Pvt Ltd, buy the company report.
- 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 Sanjay M.Credit is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Sanjay M.Credit Pvt Ltd, buy the company report.
Financials of Sanjay M.Credit Pvt Ltd
FY 2024 filings availableSanjay M.Credit Pvt Ltd reported revenue of ₹36.65 Lakh (up 25% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 35% over five years, including 25% growth in the latest year. EBITDA fell 80% 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 | ₹1.15 Lakh | ||||
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| Net Profit (PAT) | ₹85,592 | ||||
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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 | 3.1% | ||||
| Net Profit Margin | 2.3% | ||||
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To see the full financial statements and ratios of Sanjay M.Credit Pvt Ltd, buy the company report.
Board of directors of Sanjay M.Credit Pvt Ltd
Sanjay M.Credit has 2 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Manju Biyala Also directs: Planko Commercial Pvt.Ltd., Priti Tradefin Pvt Ltd, Sanjay Consultancy & Investment Pvt Ltd and 1 more | Director | 08 Feb 1996 | 30 Years 8 Months | Current |
| Sanjay Kumar Biyala Also directs: Avenue Traders Pvt. Ltd., Planko Commercial Pvt.Ltd., Priti Tradefin Pvt Ltd and 5 more | Director | 08 Feb 1996 | 30 Years 8 Months | Current |
Peer comparison
Sanjay M.Credit Pvt Ltd is compared with the 5 companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Hari and Company Investments Madras Private Limited | ₹36.72 Lakh (FY 2025) | -97.0% | Chennai, Tamil Nadu, India | |||
| Sapna Cans Private Limited | ₹36.67 Lakh (FY 2024) | -34.0% | New Delhi, Delhi, India | |||
| Sanjay M.Credit Pvt Ltdthis company | ₹36.65 Lakh (FY 2025) | ₹85,592 | 2.3% | 25.0% | Howrah, West Bengal, India | |
| Paropkar Distributors Pvt Ltd | ₹36.61 Lakh (FY 2024) | 9.0% | Kolkata, West Bengal, India | |||
| Himavanta Investors Pvt. Ltd. | ₹36.53 Lakh (FY 2025) | -36.0% | Kolkata, West Bengal, India | |||
| Jammu Sai Holdings and Hire Purchase Private Limited | ₹36.53 Lakh (FY 2025) | 39.0% | Jammu and Kashmir, India |
To see the full peer comparison of Sanjay M.Credit Pvt Ltd, buy the company report.
Auditor
Sanjay M.Credit Pvt Ltd is audited by BIKASH ASSOCIATES for the financial year 2022.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| BIKASH ASSOCIATES | FY 2022 | 320336E |
Shareholding
The shareholding of Sanjay M.Credit Pvt Ltd is on record for 5 financial years, the latest being FY 2022, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Sanjay M.Credit Pvt Ltd, buy the company report.
Legal cases
No court or tribunal cases involving Sanjay M.Credit Pvt Ltd 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 Sanjay M.Credit Pvt Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Group structure & subsidiaries
Sanjay M.Credit has 3 associated companies. This group structure data is as of FY 2022. The table lists each entity with its relationship and holding.
GST
No GST registration is on our record for Sanjay M.Credit Pvt Ltd; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Sanjay M.Credit Pvt Ltd has 3 board changes on record since 1996: 2 appointments and 1 cessation. The latest: Ravi Prakash Biyala ceased to be Director on 02 Feb 2015.
Frequently asked questions
Sanjay M.Credit is an active private limited company based in Howrah, West Bengal, India. The company works in nbfc, within the financial services industry. It was incorporated on 08 February 1996 (30+ years old) and is registered under CIN U67120WB1996PTC077154.
Sanjay M.Credit has 2 current directors:
- Manju Biyala - Director
- Sanjay Kumar Biyala - Director
The latest financial statements of Sanjay M.Credit on record with the MCA are for the year ended 31 March 2024. Its last annual general meeting was held on 30 September 2024. Year-wise statements from 2015 are in the company report.
The CIN (Corporate Identification Number) of Sanjay M.Credit is U67120WB1996PTC077154. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Sanjay M.Credit was incorporated on 08 February 1996, making it 30+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Sanjay M.Credit by revenue are Hari and Company Investments Madras Private Limited, Sapna Cans Private Limited, Paropkar Distributors Pvt Ltd, Himavanta Investors Pvt. Ltd, Jammu Sai Holdings and Hire Purchase Private Limited, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Ravi Prakash Biyala ceased to be Director on 02 Feb 2015. Manju Biyala was appointed as Director on 08 Feb 1996. Sanjay Kumar Biyala was appointed as Director on 08 Feb 1996.
The registered office of Sanjay M.Credit is at 481 Rose Mary Lane, 4th Floor Flat No.402, Howrah, West Bengal, India – 711101.
Sanjay M.Credit operates in the financial services industry, in the nbfc segment.
The compliance status of Sanjay M.Credit is compliant as of 21 September 2026. The company is actively filing with the Registrar of Companies.
Sanjay M.Credit can be reached at its registered office: 481 Rose Mary Lane, 4th Floor Flat No.402, Howrah, West Bengal, India – 711101.
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