Shiv Micro Credit Services for Rural Development
About Shiv Micro Credit Services for Rural Development
Data last updated:
Shiv Micro Credit Services for Rural Development is a private not for profit company based in Delhi, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 12 August 2011 and has been in existence for over 15 years.
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN U65923DL2011NPL254623.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh. It is led by directors including Chandra Shekhar (Managing Director) and Saroj Devi.
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 170 – B Ff Dda Lig Flat Jhhilmil Satyam Enclave Delhi, Delhi, India – 110095.
As per the financials filed for FY 2025, the company reported a revenue of ₹7.66 Lakh, a growth of 6% compared to the previous year. For the same year it recorded a net profit of ₹24,370 (net margin 3.2%) and EBITDA of ₹33,030 (EBITDA margin 4.3%). Revenue has declined at a compounded annual rate (CAGR) of 14% over three years and 6% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address170 – B Ff Dda Lig Flat Jhhilmil Satyam Enclave Delhi, Delhi, India – 110095
- IndustryFinancial Services, Microfinance Institutions
- 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 Shiv Micro Credit Services for Rural Development
The main business activity of Shiv Micro Credit Services for Rural Development is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing 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 Shiv Micro Credit Services for Rural Development FY 2025 filings available
Shiv Micro Credit Services for Rural Development reported revenue of ₹7.66 Lakh (up 6% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Shiv Micro Credit Services for Rural Development
Revenue rose 6% in the latest year, though over five years it has declined at a compounded annual rate (CAGR) of 6%. EBITDA rose 5% 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 Shiv Micro Credit Services for Rural Development
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| 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 | ₹33,030 | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹24,370 | •••• | •••• | •••• | •••• |
| 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 Shiv Micro Credit Services for Rural Development
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 4.3% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 3.2% | •••• | •••• | •••• | •••• |
| 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 Shiv Micro Credit Services for Rural Development are in the company report.
Financial statements from 2015
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 Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development is compared with the companies closest to it by revenue in the BFSI industry (Micro Finance). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Purasai Sree-Abirami Chit Fund Private Limited | ₹7.81 Lakh (FY 2022) | •••• | •••• | -61.0% | •••• | Chennai, Tamil Nadu, India |
| Dhareshwar Nidhi Limited | ₹7.74 Lakh (FY 2023) | •••• | •••• | 41.0% | •••• | Pune, Maharashtra, India |
| Akhandjyoti Micro Finance | ₹7.74 Lakh (FY 2018) | •••• | •••• | -48.0% | •••• | Jaunpur, Uttar Pradesh, India |
| Sanfund Chits Private Limited | ₹7.71 Lakh (FY 2025) | •••• | •••• | 45.0% | •••• | Chennai, Tamil Nadu, India |
| Sajilee Nidhi Limited | ₹7.69 Lakh (FY 2022) | •••• | •••• | -20.0% | •••• | Mannarkkad, Kerala, India |
| Shiv Micro Credit Services for Rural Development this company | ₹7.66 Lakh (FY 2025) | •••• | •••• | 6.0% | •••• | Delhi, India |
| Yashvi Chits Private Limited | ₹7.59 Lakh (FY 2025) | •••• | •••• | -48.0% | •••• | Gurgaon, Haryana, India |
| Purvaanchal Jandhan Gramin Nidhi Limited | ₹7.58 Lakh (FY 2021) | •••• | •••• | •••• | Maharajganj, Uttar Pradesh, India | |
| Sree Yasodha Chit Funds (India) Private Limited | ₹7.58 Lakh (FY 2024) | •••• | •••• | -23.0% | •••• | Pollachi, Tamil Nadu, India |
| Royal Chit Fund Private Limited | ₹7.58 Lakh (FY 2025) | •••• | •••• | -60.0% | •••• | Gurugram, Haryana, India |
| Parpal Nidhi Limited | ₹7.55 Lakh (FY 2021) | •••• | •••• | 113.0% | •••• | Mumbai, Maharashtra, India |
Peers are the five companies nearest above and the five nearest below Shiv Micro Credit Services for Rural Development by revenue in the BFSI industry (Micro Finance), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development is audited by SUBODH K & ASSOCIATES for the financial year 2016.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| SUBODH K & ASSOCIATES | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development has 3 current directors and 5 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Chandra Shekhar | Managing Director | 01 Nov 2011 | 14 Years 11 Months | Current |
| Saroj Devi | Director | 03 Dec 2014 | 11 Years 10 Months | Current |
| Anuradha Chaudhary | Director | 03 Dec 2014 | 11 Years 10 Months | Current |
Ownership and Shareholding of Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Shiv Micro Credit Services for Rural Development
Employment history and EPFO contributions of people linked to Shiv Micro Credit Services for Rural Development.
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.
CIN History of Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development has one previous CIN (Corporate Identification Number): U65923UP2011NPL046167. The current CIN is U65923DL2011NPL254623, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65923DL2011NPL254623 | Current |
| U65923UP2011NPL046167 | Previous |
Recent Activity on Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development has 8 board changes on record since 2011: 3 appointments and 5 cessations. The latest: Sandeep Choudhary ceased to be Director on 08 Dec 2014.
Credit Ratings, Litigation & Regulatory Alerts for Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
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 Shiv Micro Credit Services for Rural Development
Shiv Micro Credit Services for Rural Development is an active private not for profit company based in Delhi, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 12 August 2011 (15+ years old) and is registered under CIN U65923DL2011NPL254623.
Shiv Micro Credit Services for Rural Development reported revenue of ₹7.66 Lakh for FY 2025 (up 6% YoY).
Shiv Micro Credit Services for Rural Development has 3 current directors:
- Chandra Shekhar - Managing Director
- Saroj Devi - Director
- Anuradha Chaudhary - Director
Shiv Micro Credit Services for Rural Development reported a net profit of ₹24,370 (net margin 3.2%) and EBITDA of ₹33,030 (EBITDA margin 4.3%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Shiv Micro Credit Services for Rural Development is -14% over three years and -6% over five years. In the latest year (FY 2025) revenue rose 6%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Shiv Micro Credit Services for Rural Development is U65923DL2011NPL254623. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Shiv Micro Credit Services for Rural Development was incorporated on 12 August 2011, making it 15+ years old. It is registered with the Registrar of Companies, Delhi.
The peers of Shiv Micro Credit Services for Rural Development by revenue are Purasai Sree-Abirami Chit Fund Private Limited, Dhareshwar Nidhi Limited, Akhandjyoti Micro Finance, Sanfund Chits Private Limited, Sajilee Nidhi Limited and 5 more, all in the BFSI industry (Micro Finance).
Sandeep Choudhary ceased to be Director on 08 Dec 2014. Brindavan Chaudhary ceased to be Director on 05 Dec 2014. Anuradha Chaudhary was appointed as Director on 03 Dec 2014. Shiv Micro Credit Services for Rural Development has 8 board changes on record in total.
The registered office of Shiv Micro Credit Services for Rural Development is at 170 – B Ff Dda Lig Flat Jhhilmil Satyam Enclave Delhi, Delhi, India – 110095.
Shiv Micro Credit Services for Rural Development has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh.