About Scintilla Commercial & Credit Ltd
Data last updated:
Scintilla Commercial & Credit Ltd is a public limited company based in Kolkata, West Bengal, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 29 January 1990 and has been in existence for over 36 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN L65191WB1990PLC048276. It is a listed company as per MCA records. Its shares are listed on BSE: 538857.
The company has an authorised share capital of ₹10.05 Cr and a paid-up capital of ₹10.03 Cr. It is led by directors including Jitendra Kumar Goyal (Managing Director) and Mahesh Kumar Kejriwal.
Its last annual general meeting (AGM) was held on 26 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Mercantile Building Block – E 2nd Floor 9/12 Lalbazar Street, Kolkata, West Bengal, India – 700001.
As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹65 Lakh, a growth of 4.8% compared to the previous year. For the same year it recorded a net loss of ₹19 Lakh (net margin -29.2%) and EBITDA of -₹13 Lakh (EBITDA margin -20%).
Its group structure includes 2 subsidiaries.
The company is associated with 1 brand: Scintilla Commercial & Credit. Court records list 1 case involving the company, including 1 filed by the company.
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.
Company details
CIN history
Scintilla Commercial & Credit 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 |
Contact details
Scintilla Commercial & Credit Ltd's registered office is in Kolkata, West Bengal. Its website is scintilla.co.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressMercantile Building Block – E 2nd Floor 9/12 Lalbazar Street, Kolkata, West Bengal, India – 700001
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Scintilla Commercial & Credit 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
Brands
Scintilla Commercial & Credit operates one associated brand: Scintilla Commercial & Credit. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provision of commercial loans, advances, and share investments is conducted. | scintilla.co.in |
Business activity
The main business activity of Scintilla Commercial & 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 Scintilla Commercial & Credit Ltd, buy the company report.
Financials of Scintilla Commercial & Credit Ltd
FY 2025-26 filings availableScintilla Commercial & Credit Ltd reported revenue of ₹65 Lakh (up 4.8% YoY) for FY 2025-26.
Financial Highlights
FY 2023-24 · ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 0.60 | 0.54 | 0.62 | 0.67 | 0.59 | 0.58 | 0.66 |
| Revenue growth | +11.1% | -12.9% | -7.5% | +13.6% | +1.7% | -12.1% | - |
| EBITDA | (2.16) | 0.07 | 0.13 | 0.09 | (0.03) | 0.01 | 0.01 |
| EBITDA margin | -360.0% | +13.0% | +21.0% | +13.4% | -5.1% | +1.7% | +1.5% |
| Profit before tax | (2.21) | 0.01 | 0.10 | 0.09 | (0.02) | 0.02 | 0.04 |
| Net profit | (0.14) | 0.01 | 0.06 | 0.05 | 0.00 | (0.01) | 0.03 |
| Net profit margin | -23.3% | +1.9% | +9.7% | +7.5% | 0.0% | -1.7% | +4.6% |
| EPS (₹) | (2.19) | 0.01 | 0.06 | 0.05 | 0.00 | 0.00 | 0.04 |
| Balance sheet | |||||||
| Total assets | 10.73 | 12.90 | 12.86 | 11.99 | 11.91 | 11.90 | 11.98 |
| Net worth | 9.92 | 10.28 | 10.27 | 10.12 | 10.07 | 10.08 | 10.18 |
| Total debt | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash & bank | 0.17 | 0.63 | 0.14 | 0.86 | 0.17 | 0.19 | 0.33 |
| Net working capital | 0.51 | 0.84 | 0.26 | 0.92 | 0.19 | 0.27 | 6.91 |
| Cash flow | |||||||
| Cash from operations | (0.45) | 0.49 | (1.47) | 0.52 | (0.16) | (0.05) | (0.47) |
| Cash from investing | 0.00 | 0.01 | 0.06 | 0.18 | 0.14 | (0.09) | (1.09) |
| Cash from financing | (0.01) | (0.01) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Particulars | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.18 | 0.17 | 0.15 | 0.16 | 0.19 | 0.13 | 0.13 | 0.13 |
| Revenue growth (YoY) | -5.3% | +30.8% | +15.4% | +23.1% | -13.6% | - | - | - |
| Other income | 0.00 | (0.05) | 0.05 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| EBITDA | (2.35) | 0.12 | 0.11 | (0.04) | (0.13) | 0.09 | 0.08 | 0.03 |
| EBITDA margin | -1678.6% | +70.6% | +73.3% | -25.0% | -86.7% | +69.2% | +61.5% | +23.1% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 |
| Profit before tax | (2.36) | 0.06 | 0.15 | (0.06) | (0.13) | 0.07 | 0.06 | 0.01 |
| Tax | (0.06) | 0.03 | 0.03 | (0.02) | (0.03) | 0.02 | 0.02 | 0.01 |
| Net profit | (2.30) | 0.03 | 0.12 | (0.04) | (0.10) | 0.05 | 0.04 | 0.00 |
| EPS (₹) | (2.29) | 0.04 | 0.12 | (0.05) | (0.12) | 0.06 | 0.04 | 0.01 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 0.65 | 0.62 | 0.60 | 0.54 | 0.56 | 0.49 | 0.46 |
| Revenue growth | +4.8% | +3.3% | +11.1% | -3.6% | +14.3% | +6.5% | - |
| EBITDA | (0.13) | 0.05 | (0.12) | 0.09 | 0.09 | 0.03 | (0.02) |
| EBITDA margin | -20.0% | +8.1% | -20.0% | +16.7% | +16.1% | +6.1% | -4.4% |
| Profit before tax | (0.17) | 0.01 | (0.17) | 0.03 | 0.06 | 0.03 | (0.02) |
| Net profit | (0.19) | 0.04 | (0.16) | 0.02 | 0.05 | 0.02 | (0.02) |
| Net profit margin | -29.2% | +6.5% | -26.7% | +3.7% | +8.9% | +4.1% | -4.4% |
| EPS (₹) | (0.19) | 0.03 | (0.17) | 0.03 | 0.05 | 0.02 | (0.02) |
| Balance sheet | |||||||
| Total assets | - | 10.75 | 10.73 | 10.88 | 10.81 | 9.95 | 9.93 |
| Net worth | - | 9.94 | 9.92 | 10.11 | 10.09 | 9.96 | 9.93 |
| Total debt | - | 0.82 | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 |
| Cash & bank | - | 0.06 | 0.17 | 0.60 | 0.08 | 0.08 | 0.02 |
| Net working capital | - | 0.16 | 0.50 | 0.81 | 0.29 | 0.21 | 0.08 |
| Cash flow | |||||||
| Cash from operations | - | (0.08) | (0.42) | 0.52 | (0.70) | 0.06 | (0.02) |
| Cash from investing | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from financing | - | (0.04) | (0.01) | (0.01) | 0.70 | 0.00 | 0.00 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.16 | 0.10 | 0.13 | 0.25 | 0.17 | 0.16 | 0.16 | 0.15 |
| Revenue growth (YoY) | -5.9% | -37.5% | -18.8% | +66.7% | +13.3% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.10 | 0.03 | 0.59 | 0.05 | 0.11 | 0.04 | 0.08 | 0.30 |
| EBITDA | 0.06 | 0.07 | (0.46) | 0.20 | 0.06 | 0.12 | 0.08 | (0.15) |
| EBITDA margin | +42.9% | +53.8% | -328.6% | +133.3% | +37.5% | +75.0% | +50.0% | -100.0% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Profit before tax | 0.05 | 0.06 | (0.47) | 0.19 | 0.05 | 0.11 | 0.07 | (0.16) |
| Tax | 0.01 | (0.01) | (0.03) | 0.05 | 0.01 | 0.00 | (0.01) | 0.00 |
Financial Statements
| Particulars | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.18 | 0.17 | 0.15 | 0.16 | 0.19 | 0.13 | 0.13 | 0.13 |
| Revenue growth (YoY) | -5.3% | +30.8% | +15.4% | +23.1% | -13.6% | - | - | - |
| Other income | 0.00 | (0.05) | 0.05 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| EBITDA | (2.35) | 0.12 | 0.11 | (0.04) | (0.13) | 0.09 | 0.08 | 0.03 |
| EBITDA margin | -1678.6% | +70.6% | +73.3% | -25.0% | -86.7% | +69.2% | +61.5% | +23.1% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 |
| Profit before tax | (2.36) | 0.06 | 0.15 | (0.06) | (0.13) | 0.07 | 0.06 | 0.01 |
| Tax | (0.06) | 0.03 | 0.03 | (0.02) | (0.03) | 0.02 | 0.02 | 0.01 |
| Net profit | (2.30) | 0.03 | 0.12 | (0.04) | (0.10) | 0.05 | 0.04 | 0.00 |
| EPS (₹) | (2.29) | 0.04 | 0.12 | (0.05) | (0.12) | 0.06 | 0.04 | 0.01 |
| Particulars | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|---|---|
| Revenue | 0.60 | 0.54 | 0.62 | 0.67 | 0.59 | 0.58 | 0.66 |
| Revenue growth | +11.1% | -12.9% | -7.5% | +13.6% | +1.7% | -12.1% | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.03 |
| Total expenses | 2.76 | 0.47 | 0.49 | 0.58 | 0.62 | 0.57 | 0.65 |
| Employee cost | 0.05 | 0.06 | 0.11 | 0.15 | 0.09 | 0.14 | 0.14 |
| EBITDA | (2.16) | 0.07 | 0.13 | 0.09 | (0.03) | 0.01 | 0.01 |
| EBITDA margin | -360.0% | +13.0% | +21.0% | +13.4% | -5.1% | +1.7% | +1.5% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.05 | 0.06 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | (2.21) | 0.01 | 0.10 | 0.09 | (0.02) | 0.02 | 0.04 |
| Tax | (0.03) | 0.02 | 0.03 | 0.02 | (0.03) | 0.01 | 0.01 |
| Net profit | (0.14) | 0.01 | 0.06 | 0.05 | 0.00 | (0.01) | 0.03 |
| Net profit margin | -23.3% | +1.9% | +9.7% | +7.5% | 0.0% | -1.7% | +4.6% |
| EPS (₹) | (2.19) | 0.01 | 0.06 | 0.05 | 0.00 | 0.00 | 0.04 |
| Particulars | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 |
| Reserves & surplus | (0.11) | 0.25 | 0.24 | 0.09 | 0.04 | 0.05 | 0.15 |
| Shareholders' funds (net worth) | 9.92 | 10.28 | 10.27 | 10.12 | 10.07 | 10.08 | 10.18 |
| Minority interest | 0.00 | 1.86 | 1.87 | 1.86 | 1.84 | 1.83 | 1.80 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total debt | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 10.73 | 12.90 | 12.86 | 11.99 | 11.91 | 11.90 | 11.98 |
| Assets | |||||||
| Gross block | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Net block | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 2.64 | 3.74 | 4.20 | 4.14 | 5.03 | 5.25 | 5.05 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.26 |
| Sundry debtors | 0.26 | 0.16 | 0.16 | 0.12 | 0.00 | 0.06 | 0.00 |
| Cash & bank balances | 0.17 | 0.63 | 0.14 | 0.86 | 0.17 | 0.19 | 0.33 |
| Loans & advances | 0.09 | 0.07 | 0.07 | 0.03 | 0.08 | 0.07 | 6.37 |
| Total current assets | 0.52 | 0.86 | 0.37 | 1.01 | 0.25 | 0.32 | 6.96 |
| Total current liabilities | 0.01 | 0.02 | 0.11 | 0.09 | 0.06 | 0.05 | 0.05 |
| Net working capital | 0.51 | 0.84 | 0.26 | 0.92 | 0.19 | 0.27 | 6.91 |
| Total assets | 10.73 | 12.90 | 12.86 | 11.99 | 11.91 | 11.90 | 11.98 |
| Particulars | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|---|---|
| Opening cash | 0.63 | 0.14 | 0.86 | 0.17 | 0.19 | 0.33 | 1.89 |
| Net cash from operating activities | (0.45) | 0.49 | (1.47) | 0.52 | (0.16) | (0.05) | (0.47) |
| Net cash from investing activities | 0.00 | 0.01 | 0.06 | 0.18 | 0.14 | (0.09) | (1.09) |
| Net cash from financing activities | (0.01) | (0.01) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net change in cash | (0.46) | 0.49 | (0.71) | 0.69 | (0.03) | (0.13) | (1.56) |
| Closing cash | 0.17 | 0.63 | 0.14 | 0.86 | 0.17 | 0.19 | 0.33 |
| Particulars | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 | FY 2018-19 | FY 2017-18 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +11.1% | -12.9% | -7.5% | +13.6% | +1.7% | -12.1% | - |
| EBITDA growth | -3185.7% | -46.2% | +44.4% | +400.0% | -400.0% | 0.0% | - |
| PBT growth | - | -90.0% | +11.1% | +9998.0% | - | -50.0% | +9998.0% |
| Net income growth | -1500.0% | -83.3% | +20.0% | - | +100.0% | -133.3% | - |
| Revenue CAGR (3Y) | -3.6% | -2.9% | +2.3% | +0.5% | -11.1% | -40.6% | -24.4% |
| EBITDA CAGR (3Y) | - | - | +135.1% | +108.0% | -35.2% | -30.7% | - |
| Profitability & leverage | |||||||
| Net income margin | -363.3% | -1.9% | +11.3% | +10.5% | +1.7% | +1.7% | +4.6% |
| Return on capital employed | 0.0% | +0.5% | +1.3% | +1.0% | -0.2% | +0.3% | +0.5% |
| Return on net worth | 0.0% | -0.1% | +0.8% | +0.8% | +0.1% | +0.2% | +0.4% |
| Debt / equity | 0.08 | 0.07 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-term debt / equity | 0.08 | 0.07 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | -2.31 | 85.71 | 23.08 | 0.00 | 0.00 | 0.00 | 0.00 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 60.00 | 27.00 | 31.00 | 33.50 | 30.00 | 29.50 | 34.50 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.54 | 2.56 |
| Debtors turnover | 2.86 | 3.38 | 4.43 | 11.17 | 20.00 | 19.67 | 0.65 |
| EPS (₹) | (2.19) | 0.01 | 0.06 | 0.05 | 0.00 | 0.00 | 0.04 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 9.89 | 10.25 | 10.24 | 10.09 | 10.04 | 10.05 | 10.15 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.16 | 0.10 | 0.13 | 0.25 | 0.17 | 0.16 | 0.16 | 0.15 |
| Revenue growth (YoY) | -5.9% | -37.5% | -18.8% | +66.7% | +13.3% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.10 | 0.03 | 0.59 | 0.05 | 0.11 | 0.04 | 0.08 | 0.30 |
| EBITDA | 0.06 | 0.07 | (0.46) | 0.20 | 0.06 | 0.12 | 0.08 | (0.15) |
| EBITDA margin | +42.9% | +53.8% | -328.6% | +133.3% | +37.5% | +75.0% | +50.0% | -100.0% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Profit before tax | 0.05 | 0.06 | (0.47) | 0.19 | 0.05 | 0.11 | 0.07 | (0.16) |
| Tax | 0.01 | (0.01) | (0.03) | 0.05 | 0.01 | 0.00 | (0.01) | 0.00 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 0.65 | 0.62 | 0.60 | 0.54 | 0.56 | 0.49 | 0.46 |
| Revenue growth | +4.8% | +3.3% | +11.1% | -3.6% | +14.3% | +6.5% | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 0.78 | 0.57 | 0.72 | 0.45 | 0.47 | 0.46 | 0.48 |
| Employee cost | 0.00 | 0.05 | 0.05 | 0.06 | 0.07 | 0.05 | 0.07 |
| EBITDA | (0.13) | 0.05 | (0.12) | 0.09 | 0.09 | 0.03 | (0.02) |
| EBITDA margin | -20.0% | +8.1% | -20.0% | +16.7% | +16.1% | +6.1% | -4.4% |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.04 | 0.04 | 0.05 | 0.06 | 0.03 | 0.00 | 0.00 |
| Profit before tax | (0.17) | 0.01 | (0.17) | 0.03 | 0.06 | 0.03 | (0.02) |
| Tax | 0.02 | (0.03) | (0.01) | 0.01 | 0.01 | 0.01 | 0.00 |
| Net profit | (0.19) | 0.04 | (0.16) | 0.02 | 0.05 | 0.02 | (0.02) |
| Net profit margin | -29.2% | +6.5% | -26.7% | +3.7% | +8.9% | +4.1% | -4.4% |
| EPS (₹) | (0.19) | 0.03 | (0.17) | 0.03 | 0.05 | 0.02 | (0.02) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | - | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 |
| Reserves & surplus | - | (0.09) | (0.11) | 0.08 | 0.06 | (0.07) | (0.10) |
| Shareholders' funds (net worth) | - | 9.94 | 9.92 | 10.11 | 10.09 | 9.96 | 9.93 |
| Secured loans | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | - | 0.82 | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 |
| Total debt | - | 0.82 | 0.81 | 0.77 | 0.72 | 0.00 | 0.00 |
| Total liabilities | - | 10.75 | 10.73 | 10.88 | 10.81 | 9.95 | 9.93 |
| Assets | |||||||
| Gross block | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net block | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Capital work in progress | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | - | 2.37 | 2.64 | 4.39 | 4.83 | 3.93 | 3.84 |
| Inventories | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | - | 0.00 | 0.26 | 0.16 | 0.16 | 0.12 | 0.00 |
| Cash & bank balances | - | 0.06 | 0.17 | 0.60 | 0.08 | 0.08 | 0.02 |
| Loans & advances | - | 0.11 | 0.08 | 0.06 | 0.06 | 0.03 | 0.08 |
| Total current assets | - | 0.17 | 0.51 | 0.82 | 0.30 | 0.23 | 0.10 |
| Total current liabilities | - | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Net working capital | - | 0.16 | 0.50 | 0.81 | 0.29 | 0.21 | 0.08 |
| Total assets | - | 10.75 | 10.73 | 10.88 | 10.81 | 9.95 | 9.93 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | - | 0.17 | 0.60 | 0.08 | 0.08 | 0.02 | 0.04 |
| Net cash from operating activities | - | (0.08) | (0.42) | 0.52 | (0.70) | 0.06 | (0.02) |
| Net cash from investing activities | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net cash from financing activities | - | (0.04) | (0.01) | (0.01) | 0.70 | 0.00 | 0.00 |
| Net change in cash | - | (0.11) | (0.43) | 0.52 | (0.01) | 0.07 | (0.02) |
| Closing cash | - | 0.06 | 0.17 | 0.60 | 0.08 | 0.08 | 0.02 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +4.8% | +3.3% | +11.1% | -3.6% | +14.3% | +6.5% | - |
| EBITDA growth | -360.0% | +141.7% | -233.3% | 0.0% | +200.0% | +250.0% | - |
| PBT growth | - | +9998.0% | - | -50.0% | +100.0% | +9998.0% | +33.3% |
| Net income growth | -575.0% | +125.0% | -900.0% | -60.0% | +150.0% | +200.0% | - |
| Revenue CAGR (3Y) | +6.4% | +3.5% | +7.0% | +5.5% | +3.9% | -4.9% | -15.8% |
| EBITDA CAGR (3Y) | - | -17.8% | - | - | - | -9.1% | -41.5% |
| Profitability & leverage | |||||||
| Net income margin | -29.2% | +6.5% | -26.7% | +3.7% | +8.9% | +4.1% | -4.4% |
| Return on capital employed | - | +0.4% | 0.0% | +0.9% | +1.0% | +0.3% | 0.0% |
| Return on net worth | - | +0.3% | 0.0% | +0.3% | +0.5% | +0.2% | 0.0% |
| Debt / equity | - | 0.08 | 0.08 | 0.07 | 0.04 | 0.00 | 0.00 |
| Long-term debt / equity | - | 0.08 | 0.08 | 0.07 | 0.04 | 0.00 | 0.00 |
| Interest cover | -30.77 | 80.00 | -41.67 | 66.67 | 33.33 | 0.00 | 0.00 |
| Efficiency & per share | |||||||
| Fixed asset turnover | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | - | 4.77 | 2.86 | 3.38 | 4.00 | 8.17 | 15.33 |
| EPS (₹) | (0.19) | 0.03 | (0.17) | 0.03 | 0.05 | 0.02 | (0.02) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 0.00 | 9.91 | 9.89 | 10.08 | 10.06 | 9.93 | 9.90 |
To see the full year-wise statements and ratios of Scintilla Commercial & Credit Ltd, buy the company report.
Board of directors of Scintilla Commercial & Credit Ltd
Scintilla Commercial & Credit has 6 current directors and 19 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Mahesh Kumar Kejriwal Also directs: Virat Leasing Limited, Kaushal Investments Ltd | Director | 06 Oct 2016 | 10 Years 1 Months | Current |
| Jitendra Kumar Goyal | Managing Director | 29 Jan 1990 | 36 Years 9 Months | Current |
| Pooja Kalanouria Also directs: Decillion Finance Limited, Khaitan (India) Ltd | Director | 11 Feb 2021 | 5 Years 9 Months | Current |
| Ritu Agarwal Also directs: Virat Leasing Limited, Kaushal Investments Ltd | Director | 30 May 2018 | 8 Years 5 Months | Current |
| Meena Agarwal | Director | 02 Sep 2025 | 1 Years 2 Months | Current |
| Manisha Khandelwal Also directs: Ganesh Infraworld Limited, Ravita Engineering Services Limited | Director | 01 Sep 2023 | 3 Years 2 Months | Current |
Peer comparison
Scintilla Commercial & Credit Ltd is compared with the 6 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 |
|---|---|---|---|---|---|---|
| Jaishree Commotrade Pvt Ltd | ₹86.53 Lakh (FY 2020) | -58.0% | Kolkata, West Bengal, India | |||
| God Gift Finvest and Leasing Private Limited | ₹86.27 Lakh (FY 2025) | 0.0% | Udapur, Rajasthan, India | |||
| TDS Fincap Private Limited | ₹86.1 Lakh (FY 2020) | -52.0% | Indore, Madhya Pradesh, India | |||
| Mount Shikhar Financial Services Limited | ₹86.04 Lakh (FY 2025) | 89.0% | New Delhi, Delhi, India | |||
| Kamna Deposits and Advances Pvt Ltd | ₹86.03 Lakh (FY 2025) | 9.0% | Ghaziabad, Uttar Pradesh, India | |||
| Variable Plaza Pvt Ltd | ₹85.98 Lakh (FY 2025) | -37.0% | Kolkata, West Bengal, India | |||
| Scintilla Commercial & Credit Ltdthis company | ₹65 Lakh (FY 2026) | -₹19 Lakh | -29.2% | 4.8% | Kolkata, West Bengal, India |
To see the full peer comparison of Scintilla Commercial & Credit Ltd, buy the company report.
Auditor
Scintilla Commercial & Credit Ltd is audited by C. K. CHANDAK & CO for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| C. K. CHANDAK & CO | FY 2019 | 326844E |
Shareholding
Shareholding for the quarter ended Mar 2026: promoters hold 18.80%, foreign institutional investors hold 0.00%, domestic institutional investors hold 0.00% and retail and other public shareholders hold 81.20%.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | |
|---|---|---|---|---|
| Promoters | 18.80% | 18.80% | 18.80% | 18.80% |
| Public | 81.20% | 81.20% | 81.20% | 81.20% |
Legal cases
Scintilla Commercial & Credit Ltd has 1 court case on record: 1 filed by Scintilla Commercial & Credit. All case is disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Calcutta, West Bengal | Court case (TS) | Filed by the company against BSE Limited and 1 other | Disposed |
To see the full case history of Scintilla Commercial & Credit 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 Scintilla Commercial & Credit Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Group structure & subsidiaries
Scintilla Commercial & Credit has 2 subsidiary companies. This group structure data is as of FY 2023. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Mericogold Trading Private Limited | U52100WB2012PTC186402 | |
| Jaimatarani Merchants Private Limited | U52390WB2012PTC186401 |
To see the full group structure of Scintilla Commercial & Credit Ltd, buy the company report.
GST
No GST registration is on our record for Scintilla Commercial & Credit Ltd; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Scintilla Commercial & Credit Ltd has 36 board changes on record since 1990: 22 appointments and 14 cessations. The latest: Meena Agarwal was appointed as Director on 02 Sep 2025.
27 earlier events are in the company report.
News
Frequently asked questions
Scintilla Commercial & Credit is an active public limited company based in Kolkata, West Bengal, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 29 January 1990 (36+ years old) and is registered under CIN L65191WB1990PLC048276. Listed on BSE: 538857.
Scintilla Commercial & Credit reported revenue of ₹65 Lakh for FY 2025-26 (up 4.8% YoY) based on standalone financials.
Scintilla Commercial & Credit has 6 current directors:
- Jitendra Kumar Goyal - Managing Director
- Mahesh Kumar Kejriwal - Director
- Pooja Kalanouria - Director
- Ritu Agarwal - Director
- Meena Agarwal - Director
- Manisha Khandelwal - Director
The latest financial statements of Scintilla Commercial & Credit on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 26 September 2025. Year-wise statements from 2015 are in the company report.
The CIN (Corporate Identification Number) of Scintilla Commercial & Credit is L65191WB1990PLC048276. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. Scintilla Commercial & Credit is a listed company as per MCA records. Its shares are listed on BSE (code: 538857).
Scintilla Commercial & Credit has 1 court case on record: 1 filed by the company.
Scintilla Commercial & Credit was incorporated on 29 January 1990, making it 36+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Scintilla Commercial & Credit by revenue are Jaishree Commotrade Pvt Ltd, God Gift Finvest and Leasing Private Limited, TDS Fincap Private Limited, Mount Shikhar Financial Services Limited, Kamna Deposits and Advances Pvt Ltd and 1 more, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Meena Agarwal was appointed as Director on 02 Sep 2025. Vidhu Bhushan Verma ceased to be Director on 30 Aug 2024. Manisha Khandelwal was appointed as Director on 01 Sep 2023. Scintilla Commercial & Credit has 36 board changes on record in total.
Scintilla Commercial & Credit can be reached through the website scintilla.co.in. Its registered office is in Kolkata, West Bengal, India.
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