Savera Micro Credit Association
About Savera Micro Credit Association
Data last updated:
Savera Micro Credit Association is a private not for profit company based in Nichlaul, Uttar Pradesh, India. It operates in the social services and community development segment of the non-profit sector. It was incorporated on 30 August 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U85300UP2016NPL085996.
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Ashish Dubey and Vivek Singh.
Its last annual general meeting (AGM) was held on 30 September 2023, and its latest financial statements are for the year ended 31 March 2023. The registered office is at Nichlaul, Uttar Pradesh.
As per the financials filed for FY 2023, the company reported a revenue of ₹1.19 Lakh, a growth of 58% compared to the previous year. For the same year it recorded a net profit of ₹16,375 (net margin 13.8%) and EBITDA of ₹22,129 (EBITDA margin 18.7%). Revenue has grown at a compounded annual rate (CAGR) of 10% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
- EmailLocked
- TelephoneLocked
- WebsiteLocked
- Social MediaLocked
- Registered AddressPole No. 87/5 S/O Sardar Yadav, Nichhlaul Maharajganj, Nichlaul, Uttar Pradesh, India – 273304
- IndustryNon-Profit Organizations, Social Work
- 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 Savera Micro Credit Association
The main business activity of Savera Micro Credit Association 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 Savera Micro Credit Association FY 2023 filings available
Savera Micro Credit Association reported revenue of ₹1.19 Lakh (up 58% YoY) for FY 2023.
Compounded Annual Growth Rate (CAGR) of Savera Micro Credit Association
Revenue has grown at a compounded annual rate (CAGR) of 10% over three years, including 58% growth in the latest year. EBITDA rose 538% 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 Savera Micro Credit Association
| 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 | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹22,129 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹16,375 | •••• | •••• | •••• | •••• |
| 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 Savera Micro Credit Association
| Metrics | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 18.7% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 13.8% | •••• | •••• | •••• | •••• |
| 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 Savera Micro Credit Association are in the company report.
Financial statements from FY 2017
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 Savera Micro Credit Association
Savera Micro Credit Association 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 |
|---|---|---|---|---|---|---|
| Brijshwar Industries Private Limited | ₹1.19 Lakh (FY 2025) | •••• | •••• | -87.0% | •••• | Paramakudi, Tamil Nadu, India |
| S M Complex Pvt Ltd | ₹1.19 Lakh (FY 2024) | •••• | •••• | 4306.0% | •••• | Kolkata, West Bengal, India |
| Chennur Chit Funds Private Limited | ₹1.19 Lakh (FY 2020) | •••• | •••• | -84.0% | •••• | Chennur, Telangana, India |
| Shwetchandra Nidhi Limited | ₹1.19 Lakh (FY 2022) | •••• | •••• | 17.0% | •••• | Radhanagari, Maharashtra, India |
| Naksh Consultants Private Limited | ₹1.19 Lakh (FY 2025) | •••• | •••• | -41.0% | •••• | Surat, Gujarat, India |
| Savera Micro Credit Association this company | ₹1.19 Lakh (FY 2023) | •••• | •••• | 58.0% | •••• | Nichlaul, Uttar Pradesh, India |
| Netzwerk.Ai Private Limited | ₹1.19 Lakh (FY 2022) | •••• | •••• | 5928850.0% | •••• | Karnataka, India |
| Karur Makkal Sakti Benefit Fund Limited | ₹1.19 Lakh (FY 2020) | •••• | •••• | -13.0% | •••• | Karur Dt, Tamil Nadu, India |
| Q-Tech Systems India Private Limited | ₹1.18 Lakh (FY 2025) | •••• | •••• | -57.0% | •••• | Bara Chauraha, Uttar Pradesh, India |
| Rudrapriya Nidhi Limited | ₹1.18 Lakh (FY 2025) | •••• | •••• | -57.0% | •••• | Jaipur, Rajasthan, India |
| Wiscom Management Consultants Private Limited | ₹1.18 Lakh (FY 2019) | •••• | •••• | -66.0% | •••• | Kalka Ji, Delhi, India |
Peers are the five companies nearest above and the five nearest below Savera Micro Credit Association 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.
Board of Directors of Savera Micro Credit Association
Savera Micro Credit Association has 4 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ashish Dubey | Director | 30 Aug 2016 | 10 Years 1 Months | Current |
| Vivek Singh | Director | 30 Aug 2016 | 10 Years 1 Months | Current |
| Vishal Yadav | Director | 02 Dec 2025 | 0 Years 10 Months | Current |
| Akash Yadav | Director | 02 Dec 2025 | 0 Years 10 Months | Current |
Ownership and Shareholding of Savera Micro Credit Association
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 Savera Micro Credit Association
Savera Micro Credit Association does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Savera Micro Credit Association
Employment history and EPFO contributions of people linked to Savera Micro Credit Association.
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 Savera Micro Credit Association
Savera Micro Credit Association has 4 board changes on record since 2016: 4 appointments. The latest: Akash Yadav was appointed as Director on 02 Dec 2025.
Credit Ratings, Litigation & Regulatory Alerts for Savera Micro Credit Association
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 Savera Micro Credit Association
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 Savera Micro Credit Association
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 Savera Micro Credit Association
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 Savera Micro Credit Association
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 Savera Micro Credit Association
Savera Micro Credit Association is an active private not for profit company based in Nichlaul, Uttar Pradesh, India. The company works in social work, within the non-profit organizations industry. It was incorporated on 30 August 2016 (10+ years old) and is registered under CIN U85300UP2016NPL085996.
Savera Micro Credit Association reported revenue of ₹1.19 Lakh for FY 2023 (up 58% YoY).
Savera Micro Credit Association has 4 current directors:
- Ashish Dubey - Director
- Vivek Singh - Director
- Vishal Yadav - Director
- Akash Yadav - Director
Savera Micro Credit Association reported a net profit of ₹16,375 (net margin 13.8%) and EBITDA of ₹22,129 (EBITDA margin 18.7%) for FY 2023, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Savera Micro Credit Association is 10% over three years. In the latest year (FY 2023) revenue rose 58%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Savera Micro Credit Association is U85300UP2016NPL085996. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Savera Micro Credit Association was incorporated on 30 August 2016, making it 10+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Savera Micro Credit Association by revenue are Brijshwar Industries Private Limited, S M Complex Pvt Ltd, Chennur Chit Funds Private Limited, Shwetchandra Nidhi Limited, Naksh Consultants Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Akash Yadav was appointed as Director on 02 Dec 2025. Vishal Yadav was appointed as Director on 02 Dec 2025. Ashish Dubey was appointed as Director on 30 Aug 2016. Savera Micro Credit Association has 4 board changes on record in total.
The registered office of Savera Micro Credit Association is at Pole No. 875 SO Sardar Yadav, Nichhlaul Maharajganj, Nichlaul, Uttar Pradesh, India – 273304.
Savera Micro Credit Association has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh.