About Scintilla Commercial & Credit Ltd
Data last updated: 15 July 2026
Scintilla Commercial & Credit Ltd is a public limited company based in Kolkata, West Bengal, India. It specialises in investment and credit NBFC, a part of the broader financial services sector. Incorporated on 29 January 1990, the company has been in operation for over 36 years.
Registered with ROC Kolkata under CIN L65191WB1990PLC048276. Listed on BSE: 538857.
Capital: an authorised share capital of ₹10.05 Cr and a paid-up capital of ₹10.03 Cr. It is led by directors including Mahesh Kumar Kejriwal and Jitendra Kumar Goyal.
Last AGM: 26 September 2025. Financial statements filed for year ended 31 March 2025. Office: Mercantile Building Block – E 2Nd Floor 9/12 Lalbazar Street, Kolkata, West Bengal, India – 700001.
As per BSE-filed consolidated financials for FY 2024, the company reported a revenue of ₹59.48 Lakh, a growth of 11.68% compared to the previous year. The net worth stands at ₹9.92 Cr (down 18.25% YoY). Total assets are valued at ₹10.74 Cr (down 16.87% YoY).
Its group structure includes 2 subsidiaries.
The company is associated with 1 brand - Scintilla Commercial & Credit.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website scintilla.co.in.
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Registered AddressMercantile Building Block – E 2Nd Floor 9/12 Lalbazar Street, Kolkata, West Bengal, India – 700001
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IndustryFinancial Services, Investment & Credit NBFC, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd has one previous CIN (Corporate Identification Number): U65191WB1990PLC048276. The current CIN is L65191WB1990PLC048276, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65191WB1990PLC048276 | Current |
| U65191WB1990PLC048276 | Previous |
Associated Brands with Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd operates one associated brand: Scintilla Commercial & Credit. These brands represent Scintilla Commercial & Credit Ltd's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Provision of commercial loans, advances, and share investments is conducted. | scintilla.co.in |
Competitors & Alternatives of Scintilla Commercial & Credit Ltd
Brands and companies operating in the same space as Scintilla Commercial & Credit Ltd include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
|
Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
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Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
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Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
|
Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
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Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Mahindra Finance
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Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Hero Fincorp
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2-wheeler loans and consumer/business financing are provided by Hero Fincorp. | Delhi, India, India | 1991 |
Kinara Capital
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Collateral-free loans are provided to MSMEs for business operations. | Bengaluru, India, India | 2011 |
Dvara KGFS
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Loans for consumers and SMEs are provided alongside financial services. | Chennai, India, India | 2008 |
Business Activity of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd operates primarily in the financial and insurance service sector. The company has 1 registered business activity segment, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
Detailed business activity records for Scintilla Commercial & Credit Ltd
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
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Auditor Details of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd is audited by C. K. CHANDAK & CO for the financial year 2019. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| C. K. CHANDAK & CO | Locked | Locked | Locked |
Complete auditor history for Scintilla Commercial & Credit Ltd
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
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Board of Directors of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd is currently managed by 6 directors, with 19 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
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Mahesh Kumar Kejriwal
Also directs:
Virat Leasing Limited, Kaushal Investments Ltd
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Director | 06 Oct 2016 | 9 Years 9 Months | Current |
| Jitendra Kumar Goyal | Managing Director | 29 Jan 1990 | 36 Years 5 Months | Current |
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Pooja Kalanouria
Also directs:
Decillion Finance Limited, Khaitan (India) Ltd
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Director | 11 Feb 2021 | 5 Years 5 Months | Current |
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Ritu Agarwal
Also directs:
Virat Leasing Limited, Kaushal Investments Ltd
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Director | 30 May 2018 | 8 Years 1 Months | Current |
| Meena Agarwal | Director | 02 Sep 2025 | 0 Years 10 Months | Current |
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Manisha Khandelwal
Also directs:
Ganesh Infraworld Limited, Ravita Engineering Services Limited
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Director | 01 Sep 2023 | 2 Years 10 Months | Current |
Financials of Scintilla Commercial & Credit Ltd FY 2024 filings available
Scintilla Commercial & Credit Ltd reported revenue of ₹59.48 Lakh (up 11.68% YoY) for FY 2024.
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue from Operations | ₹59.48 Lakh | ₹53.26 Lakh | ₹55.99 Lakh | ₹49.03 Lakh | ₹45.91 Lakh | ₹88.21 Lakh |
| Interest Earned | ₹59.48 Lakh | ₹53.26 Lakh | ₹55.47 Lakh | ₹47.93 Lakh | ₹45.9 Lakh | - |
| Other Income | ₹12,000 | ₹88,000 | ₹6.11 Lakh | ₹17.58 Lakh | ₹13.64 Lakh | ₹6.5 Lakh |
| Total Income | ₹59.6 Lakh | ₹54.14 Lakh | ₹62.11 Lakh | ₹66.61 Lakh | ₹59.54 Lakh | - |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹75.25 Lakh |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | -₹20 Lakh |
| Employee Benefit Expense | ₹8.09 Lakh | ₹9.11 Lakh | ₹13.44 Lakh | ₹16.58 Lakh | ₹9.59 Lakh | ₹14.36 Lakh |
| Finance Costs | ₹5.09 Lakh | ₹5.52 Lakh | ₹2.52 Lakh | ₹0 | ₹0 | ₹0 |
| Depreciation & Amortisation | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Other Expenses | ₹12.29 Lakh | ₹15.8 Lakh | ₹11.36 Lakh | ₹17 Lakh | ₹29.07 Lakh | ₹25.33 Lakh |
| Total Expenses | ₹77.6 Lakh | ₹53.8 Lakh | ₹51.65 Lakh | ₹57.42 Lakh | ₹61.61 Lakh | ₹94.94 Lakh |
| Profit Before Exceptional Items & Tax | -₹18 Lakh | ₹34,000 | ₹10.46 Lakh | ₹9.19 Lakh | -₹2.07 Lakh | - |
| Exceptional Items | -₹2.04 Cr | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Profit Before Tax | -₹2.22 Cr | ₹34,000 | ₹10.46 Lakh | ₹9.19 Lakh | -₹2.07 Lakh | -₹22,800 |
| Total Tax Expense | -₹2.73 Lakh | ₹1.08 Lakh | ₹2.86 Lakh | ₹1.67 Lakh | -₹3.02 Lakh | ₹32,700 |
| Net Profit | -₹2.19 Cr | -₹74,000 | ₹7.6 Lakh | ₹7.52 Lakh | ₹95,500 | -₹12,300 |
| attributable to Owners | -₹2.21 Cr | ₹81,000 | ₹6.46 Lakh | ₹5.13 Lakh | -₹33,700 | - |
| attributable to NCI | ₹0 | -₹1.55 Lakh | ₹1.15 Lakh | ₹2.39 Lakh | ₹1.29 Lakh | - |
| Other Comprehensive Income | -₹2.25 Lakh | ₹0 | ₹7.92 Lakh | ₹2,400 | ₹0 | - |
| Total Comprehensive Income | -₹2.21 Cr | -₹74,000 | ₹15.52 Lakh | ₹7.54 Lakh | ₹95,500 | - |
| EBITDA (computed) | -₹12.91 Lakh | ₹5.86 Lakh | ₹12.98 Lakh | ₹9.19 Lakh | -₹2.07 Lakh | - |
| Basic EPS | ₹-2.19 | ₹-0.01 | ₹0.08 | ₹0.08 | ₹0.01 | - |
| Diluted EPS | ₹-2.19 | ₹-0.01 | ₹0.08 | ₹0.08 | ₹0.01 | - |
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Total Assets | ₹10.74 Cr | ₹12.92 Cr | ₹12.97 Cr | ₹12.08 Cr | ₹11.97 Cr | ₹12.04 Cr |
| Non-current Assets | - | - | - | - | - | ₹1.45 Cr |
| Current Assets | - | - | - | - | - | ₹10.6 Cr |
| Property, Plant & Equipment | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹43.59 Lakh |
| Cash & Equivalents | ₹16.69 Lakh | ₹62.86 Lakh | ₹14.2 Lakh | ₹85.61 Lakh | ₹16.53 Lakh | ₹19.09 Lakh |
| Equity (Net Worth) | ₹9.92 Cr | ₹12.13 Cr | ₹12.14 Cr | ₹11.99 Cr | ₹11.91 Cr | - |
| Equity Share Capital | ₹10.03 Cr | ₹10.03 Cr | ₹10.03 Cr | ₹10.03 Cr | ₹10.03 Cr | - |
| Current Liabilities | - | - | - | - | - | ₹6.62 Lakh |
| Total Liabilities | ₹81.87 Lakh | ₹78.4 Lakh | ₹83.47 Lakh | ₹9.42 Lakh | ₹5.89 Lakh | - |
| Metrics | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|
| Operating Cash Flow | -₹44.98 Lakh | ₹48.56 Lakh | -₹1.47 Cr |
| Investing Cash Flow | ₹12,000 | ₹88,000 | ₹6.11 Lakh |
| Financing Cash Flow | -₹1.3 Lakh | -₹78,000 | ₹69.74 Lakh |
| Capital Expenditure | ₹0 | ₹0 | ₹0 |
| Free Cash Flow (computed) | -₹44.98 Lakh | ₹48.56 Lakh | -₹1.47 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | -₹46.16 Lakh | ₹48.66 Lakh | -₹71.41 Lakh |
| Metrics | FY 2024 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Revenue from Operations | ₹59.48 Lakh | ₹55.99 Lakh | ₹49.03 Lakh | ₹45.91 Lakh | ₹86.26 Lakh |
| Interest Earned | ₹59.48 Lakh | ₹55.47 Lakh | ₹47.93 Lakh | ₹45.9 Lakh | - |
| Other Income | ₹12,000 | ₹0 | ₹44,400 | ₹21,500 | ₹1,000 |
| Total Income | ₹59.6 Lakh | ₹55.99 Lakh | ₹49.48 Lakh | ₹46.12 Lakh | - |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹75.25 Lakh |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | -₹18.05 Lakh |
| Employee Benefit Expense | ₹8.09 Lakh | ₹8.61 Lakh | ₹7.08 Lakh | ₹7.84 Lakh | ₹6.02 Lakh |
| Finance Costs | ₹5.09 Lakh | ₹2.52 Lakh | ₹0 | ₹0 | ₹0 |
| Depreciation & Amortisation | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Other Expenses | ₹12.29 Lakh | ₹10.66 Lakh | ₹15.67 Lakh | ₹27.43 Lakh | ₹22.51 Lakh |
| Total Expenses | ₹77.6 Lakh | ₹49.33 Lakh | ₹46.5 Lakh | ₹48.5 Lakh | ₹85.73 Lakh |
| Profit Before Exceptional Items & Tax | -₹18 Lakh | ₹6.67 Lakh | ₹2.98 Lakh | -₹2.38 Lakh | - |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Profit Before Tax | -₹18 Lakh | ₹6.67 Lakh | ₹2.98 Lakh | -₹2.38 Lakh | ₹54,000 |
| Total Tax Expense | -₹1.12 Lakh | ₹1.61 Lakh | ₹77,300 | -₹46,000 | ₹14,000 |
| Net Profit | -₹16.88 Lakh | ₹5.05 Lakh | ₹2.2 Lakh | -₹1.92 Lakh | ₹40,000 |
| Other Comprehensive Income | -₹2.25 Lakh | ₹7.92 Lakh | ₹2,400 | ₹0 | - |
| Total Comprehensive Income | -₹19.13 Lakh | ₹12.97 Lakh | ₹2.23 Lakh | -₹1.92 Lakh | - |
| EBITDA (computed) | -₹12.91 Lakh | ₹9.18 Lakh | ₹2.98 Lakh | -₹2.38 Lakh | - |
| Basic EPS | ₹-0.17 | ₹0.05 | ₹0.02 | ₹-0.02 | - |
| Diluted EPS | ₹-0.17 | ₹0.05 | ₹0.02 | ₹-0.02 | - |
| Metrics | FY 2024 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Total Assets | ₹10.74 Cr | ₹10.82 Cr | ₹9.97 Cr | ₹9.95 Cr | ₹10.18 Cr |
| Non-current Assets | - | - | - | - | ₹3.62 Cr |
| Current Assets | - | - | - | - | ₹6.56 Cr |
| Property, Plant & Equipment | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹43.6 Lakh |
| Cash & Equivalents | ₹16.69 Lakh | ₹7.76 Lakh | ₹8.37 Lakh | ₹1.64 Lakh | ₹3.64 Lakh |
| Equity (Net Worth) | ₹9.92 Cr | ₹10.08 Cr | ₹9.95 Cr | ₹9.93 Cr | - |
| Equity Share Capital | ₹10.03 Cr | ₹10.03 Cr | ₹10.03 Cr | ₹10.03 Cr | - |
| Current Liabilities | - | - | - | - | ₹3.07 Lakh |
| Total Liabilities | ₹81.87 Lakh | ₹73.45 Lakh | ₹1.51 Lakh | ₹1.64 Lakh | - |
| Metrics | FY 2024 | FY 2022 |
|---|---|---|
| Operating Cash Flow | -₹41.94 Lakh | -₹70.37 Lakh |
| Investing Cash Flow | ₹12,000 | ₹0 |
| Financing Cash Flow | -₹1.3 Lakh | ₹69.75 Lakh |
| Capital Expenditure | ₹0 | ₹0 |
| Free Cash Flow (computed) | -₹41.94 Lakh | -₹70.37 Lakh |
| Dividends Paid | ₹0 | ₹0 |
| Net Change in Cash | -₹43.12 Lakh | -₹61,800 |
| Metrics | Q3 FY25 | Q2 FY25 | Q1 FY25 |
|---|---|---|---|
| Revenue from Operations | ₹15.56 Lakh | ₹15.47 Lakh | ₹15.34 Lakh |
| Interest Earned | ₹15.56 Lakh | ₹15.47 Lakh | ₹15.34 Lakh |
| Other Income | ₹0 | ₹0 | ₹0 |
| Total Income | ₹15.56 Lakh | ₹15.47 Lakh | ₹15.34 Lakh |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹2.03 Lakh | ₹2.02 Lakh | ₹2.03 Lakh |
| Finance Costs | ₹1.13 Lakh | ₹1.05 Lakh | ₹1.09 Lakh |
| Depreciation & Amortisation | ₹0 | ₹0 | ₹0 |
| Other Expenses | ₹3.08 Lakh | ₹1.49 Lakh | ₹7 Lakh |
| Total Expenses | ₹8.82 Lakh | ₹31.48 Lakh | ₹16.24 Lakh |
| Profit Before Exceptional Items & Tax | ₹6.74 Lakh | -₹16.01 Lakh | -₹90,000 |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹6.74 Lakh | -₹16.01 Lakh | -₹90,000 |
| Total Tax Expense | -₹65,000 | ₹31,000 | -₹2.28 Lakh |
| Net Profit | ₹7.39 Lakh | -₹16.32 Lakh | ₹1.38 Lakh |
| Other Comprehensive Income | -₹31,000 | -₹1.22 Lakh | ₹0 |
| Total Comprehensive Income | ₹7.08 Lakh | -₹17.54 Lakh | ₹1.38 Lakh |
| EBITDA (computed) | ₹7.87 Lakh | -₹14.96 Lakh | ₹19,000 |
| Basic EPS | ₹0.07 | ₹-0.16 | ₹0.01 |
| Diluted EPS | ₹0.07 | ₹-0.16 | ₹0.01 |
Shareholding Pattern of Scintilla Commercial & Credit Ltd
As per the shareholding pattern filed with BSE for the quarter ended Mar 2026, promoters hold 18.81%, retail and other public shareholders hold 81.19% of Scintilla Commercial & Credit Ltd. The company had 2,018 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 18.81% | 18.81% | 18.81% | 18.81% | 18.81% | 18.81% |
| Public | 81.19% | 81.19% | 81.19% | 81.19% | 81.19% | 81.19% |
| Mar 2026 | Mar 2025 | Mar 2024 | |
|---|---|---|---|
| Promoters | 18.81% | 18.81% | 18.81% |
| Public | 81.19% | 81.19% | 81.19% |
| Promoter change (YoY, %pts) | +0.00 | +0.00 | - |
Group Structure of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd has 2 subsidiary companies. This group structure data is as of FY 2023. The corporate group structure reflects Scintilla Commercial & Credit Ltd's business expansion strategy and organizational complexity.
| Company Name | CIN | Shares Held |
|---|---|---|
| Mericogold Trading Private Limited | U52100WB2012PTC186402 | - |
| Jaimatarani Merchants Private Limited | U52390WB2012PTC186401 | - |
Showing major subsidiaries. Total: 2.
Charges & Borrowings Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Scintilla Commercial & Credit Ltd
View historical data on people associated with Scintilla Commercial & Credit Ltd, including employment history and EPFO contributions.
Employee and EPFO history for Scintilla Commercial & Credit Ltd
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GST Compliance of Scintilla Commercial & Credit Ltd
GST registrations and filing compliance for Scintilla Commercial & Credit Ltd
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Credit Ratings, Litigation & Regulatory Alerts for Scintilla Commercial & Credit Ltd
Credit ratings, litigation, and regulatory alerts for Scintilla Commercial & Credit Ltd
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MSME Payment Delays by Scintilla Commercial & Credit Ltd
MSME payment history for Scintilla Commercial & Credit Ltd
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
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Subsidiaries & Group Companies of Scintilla Commercial & Credit Ltd
Corporate group structure for Scintilla Commercial & Credit Ltd
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MCA Filings & Documents of Scintilla Commercial & Credit Ltd
MCA filings and documents for Scintilla Commercial & Credit Ltd
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
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Recent Activity on Scintilla Commercial & Credit Ltd
Recent News on Scintilla Commercial & Credit Ltd
Frequently Asked Questions about Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit Ltd is an active public limited company in the financial services sector based in Kolkata, West Bengal, India. It was incorporated on 29 January 1990 (36+ years old) and is registered under CIN L65191WB1990PLC048276. Listed on BSE: 538857.
Scintilla Commercial & Credit Ltd reported revenue of ₹59.48 Lakh for FY 2024 (up 11.68% YoY) based on consolidated BSE filings.
The current directors of Scintilla Commercial & Credit Ltd are:
- Mahesh Kumar Kejriwal - Director
- Jitendra Kumar Goyal - Managing Director
- Pooja Kalanouria - Director
- Ritu Agarwal - Director
- Meena Agarwal - Director
- Manisha Khandelwal - Director
The primary industry of Scintilla Commercial & Credit Ltd is financial services. The company specifically operates in investment and credit nbfc. The company is currently active in this sector.
Yes. Scintilla Commercial & Credit Ltd is listed on BSE with code 538857.
Scintilla Commercial & Credit Ltd can be reached at the registered office: Mercantile Building Block – E 2Nd Floor 912 Lalbazar Street, Kolkata, West Bengal, India – 700001, or through the website scintilla.co.in.