About Sindhuja Microcredit Private Limited
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Sindhuja Microcredit Private Limited is a private limited company based in Noida, Uttar Pradesh, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 01 December 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Uttar Pradesh, under CIN U65990UP2017PTC099006. Its GSTIN is 09AAZCS5308P1Z9 (Uttar Pradesh). The company holds 13 GST registrations, all of them active.
The company has an authorised share capital of ₹71.7 Cr and a paid-up capital of ₹55.84 Cr. It was formerly known as Sindhuja Micro Finance Private Limited and Sindhuja Fintech Private Limited. It is led by directors including Abhisheka Kumar (Managing Director) and Malkit Singh Didyala (Whole-Time Director).
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 701A – 721A 7A Floor Tower C Noida One Plot No. – 8, Block – B Sector – 62 Noida, Uttar Pradesh, India – 201301.
As per the financials filed for FY 2025, the company reported a revenue of ₹256.91 Cr, a growth of 15% compared to the previous year. For the same year it recorded a net loss of ₹35.44 Cr (net margin -13.8%) and EBITDA of ₹35.56 Cr (EBITDA margin 13.8%). Revenue has grown at a compounded annual rate (CAGR) of 60% over three years and 59% over five years.
The company has about 1,540 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Sindhuja Microcredit. As per MCA filings, the company has open charges of ₹1,250.6 Cr and satisfied charges of ₹1,751.21 Cr on record. Court records list 29 cases involving the company, including 20 filed by the company and 9 filed against it; 18 cases are pending. The company has 22 deals on record (11 funding rounds, 7 debt financings, 2 rights issues), with disclosed funding of ₹498.76 Cr; the latest was in May 2026. Its 6 peer companies in the BFSI industry (Micro Finance Institutions, Mid Sized Non Deposit NBFC, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 4 larger and 2 smaller; the largest is Arihant Enterprises Ltd with revenue of ₹235.61 Cr. The company has 7 MSME Form 1 returns on record between 2023 and 2024, listing 27 overdue payments to 8 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website sindhujamicrocredit.com.
Company details
Name history
Sindhuja Microcredit has undergone 3 name changes throughout its history. The company was previously known as Sindhuja Micro Finance Private Limited, Sindhuja Fintech Private Limited, and Sindhuja Microcredit Private Limited. The current legal name is Sindhuja Microcredit Private Limited.
| Company Name | Status |
|---|---|
| Sindhuja Microcredit Private Limited | Current |
| Sindhuja Micro Finance Private Limited | Previous |
| Sindhuja Fintech Private Limited | Previous |
Contact details
Sindhuja Microcredit Private Limited's registered office is in Noida, Uttar Pradesh. Its website is sindhujamicrocredit.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address701A – 721A 7A Floor Tower C Noida One Plot No. – 8, Block – B Sector – 62 Noida, Uttar Pradesh, India – 201301
- IndustryFinancial Services, NBFC, Microfinance Institutions
To see the full contact details of Sindhuja Microcredit Private Limited, 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
Sindhuja Microcredit operates one associated brand: Sindhuja Microcredit. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Microcredit and insurance services are offered to low-income groups. | sindhujamicrocredit.com |
Business activity
The main business activity of Sindhuja Microcredit 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 Sindhuja Microcredit Private Limited, buy the company report.
Financials of Sindhuja Microcredit Private Limited
FY 2025 filings availableSindhuja Microcredit Private Limited reported revenue of ₹256.91 Cr (up 15% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 59% over five years, including 15% growth in the latest year. EBITDA fell 74% 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 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹256.91 Cr | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹35.56 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹35.44 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 13.8% | ||||
| Net Profit Margin | -13.8% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
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| Payable Days | |||||
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To see the full financial statements and ratios of Sindhuja Microcredit Private Limited, buy the company report.
Board of directors of Sindhuja Microcredit Private Limited
Sindhuja Microcredit has 9 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Abhisheka Kumar | Managing Director | 01 Dec 2017 | 8 Years 10 Months | Current |
| Malkit Singh Didyala | Whole-Time Director | 01 Dec 2017 | 8 Years 10 Months | Current |
| Abhishek Sharman Also directs: Carpediem Capital LLP, Inc.5 Shoes Private Limited, Food Service Network Private Limited and 4 more | Nominee Director | 05 Sep 2019 | 7 Years 1 Months | Current |
| Diwakar Pundir Also directs: STFT Finance Private Limited | Director | 09 Jun 2022 | 4 Years 4 Months | Current |
| Sandeep Shashidhar Phanasgaonkar | Director | 25 Mar 2021 | 5 Years 6 Months | Current |
| Jagriti Bhandari Also directs: Svasti Microfinance Private Limited | Nominee Director | 16 Dec 2022 | 3 Years 10 Months | Current |
Peer comparison
Sindhuja Microcredit Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Micro Finance Institutions, Mid Sized Non Deposit NBFC, 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 |
|---|---|---|---|---|---|---|
| Sindhuja Microcredit Private Limitedthis company | ₹256.91 Cr (FY 2025) | -₹35.44 Cr | -13.8% | 15.0% | 1,540 | Noida, Uttar Pradesh, India |
| Arihant Enterprises Ltd | ₹235.61 Cr (FY 2024) | 71.0% | Kolkata, West Bengal, India | |||
| Akasa Finance Limited | ₹235.01 Cr (FY 2025) | 149.0% | New Delhi, Delhi, India | |||
| Ashika Global Securities Private Limited | ₹227.98 Cr (FY 2024) | 116.0% | Kolkata, West Bengal, India | |||
| Smartlink Holdings Limited | ₹226.44 Cr (FY 2025) | 8.0% | Salcete, Goa, India | |||
| TMT Viniyogan Ltd. | ₹218.58 Cr (FY 2020) | 525.0% | Kolkata, West Bengal, India | |||
| Epoch Synthetics Pvt.Ltd. | ₹213.04 Cr (FY 2025) | -6.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Sindhuja Microcredit Private Limited, buy the company report.
Auditor
Sindhuja Microcredit Private Limited is audited by SCV & Co. LLP for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| SCV & Co. LLP | FY 2023 | 000235N/N500089 |
Shareholding
The shareholding of Sindhuja Microcredit Private Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | 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 Sindhuja Microcredit Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 25 Jun 2026 | 101321686 | Others | ₹15 Cr | Open | |
| 25 Jun 2026 | 101323666 | Idbi Bank Limited | ₹20 Cr | Open | |
| 23 Jun 2026 | 101327052 | Others | ₹10 Cr | Open | |
| 23 Jun 2026 | 101327036 | Others | ₹10 Cr | Open | |
| 29 May 2026 | 101302347 | Others | ₹15.5 Cr | Open |
To see the full charge records of Sindhuja Microcredit Private Limited, buy the company report.
Total charge records: 210 View all charges
Deals & funding
Sindhuja Microcredit Private Limited has 22 deals on record (11 funding rounds, 7 debt financings, 2 rights issues), with disclosed funding of ₹498.76 Cr; the latest was in May 2026.
Deals on record (5 of 22)
| When | Deal | Amount | Parties |
|---|---|---|---|
| May 2026 | Funding round · Pre-Series D | ₹47.23 Cr | Investors: Abler Nordic (Nordic Microfinance Initiative), GAWA Capital, Oikocredit |
| Mar 2024 | Funding round · Series C | ₹120.28 Cr | Investors: GAWA Capital, Oikocredit |
| Dec 2023 | Debt financing | ₹31 Cr | Investors: Northern ARC Investments, GAWA Capital |
| Jun 2023 | Debt financing | ₹6 Cr | Investors: 4 individuals |
| Feb 2020 | Debt financing | ₹5 Cr | Investors: Platinum Urbanbuild Private Limited , Kautilya Urbanbuild Private Limited , Ajna Urbanbuild Private Limited |
To see the full deal history of Sindhuja Microcredit Private Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Sindhuja Microcredit Private Limited has 29 court cases on record: 20 filed by Sindhuja Microcredit, 9 filed against it. 18 cases are pending and 11 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 29 | 9 | 18 |
Cases on record (5 of 29)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Viluppuram, Tamil Nadu | Court case (COS) | Filed against the company by City Union Bank Ltd. | Pending |
| District court, Vellore, Tamil Nadu | Criminal case | Filed against the company by DNC Chits Private Limited Salem Branch Managing Director D.C. Elangovan | Pending |
| District court, Coimbatore, Tamil Nadu | Motor accident claim | Filed by the company against Parveen Travels Private Limited., and 1 other | Pending |
| District court, Ayodhya, Uttar Pradesh | Motor accident claim | Filed by the company against Oriental Insurance Company Ltd.And Others | Pending |
| District court, Vellore, Tamil Nadu | Criminal miscellaneous application | Filed by the company against DNC Chits Private Limited Salem Branch Managing Director D.C. Elangovan | Disposed |
To see the full case history of Sindhuja Microcredit Private Limited, 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.
Credit ratings & regulatory alerts
Sindhuja Microcredit Private Limited was last rated by Indiarating on 02 Mar 2023.
| Rating agency | Rated on | Rating |
|---|---|---|
| Indiarating | 02 Mar 2023 |
To see the full credit ratings and regulatory alerts of Sindhuja Microcredit Private Limited, buy the company report.
MSME payment delays
Sindhuja Microcredit Private Limited has 7 MSME Form 1 returns on record between 2023 and 2024, listing 27 overdue payments to 8 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (5 of 8)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Analog Legalhub Technology Solutions Private Limited | |||
| an individual supplier | |||
| an individual supplier | |||
| Equifax Analytics Private Limited | |||
| an individual supplier |
To see the full MSME payment records of Sindhuja Microcredit Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Sindhuja Microcredit Private Limited has a workforce of 1,540 employees on its EPFO records as of Apr 09, 2024, across 1 active EPFO establishment.
GST
Sindhuja Microcredit has 13 GST registrations: 13 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 09AAZCS5308P1Z9 | Uttar Pradesh | Active | 07 Dec 2018 |
| 09AAZCS5308P2Z8 | Uttar Pradesh | Active | 01 May 2023 |
| 10AAZCS5308P1ZQ | Bihar | Active | 10 May 2018 |
| 20AAZCS5308P1ZP | Jharkhand | Active | 18 Dec 2018 |
To see the full GST registrations and return filing status of Sindhuja Microcredit Private Limited, buy the company report.
Recent activity
Sindhuja Microcredit Private Limited has 15 board changes on record since 2017: 12 appointments and 3 cessations. The latest: Agustin Vitorica was appointed as Nominee Director on 05 Sep 2024.
376 earlier events are in the company report.
News
Frequently asked questions
Sindhuja Microcredit is an active private limited company based in Noida, Uttar Pradesh, India. The company works in nbfc, within the financial services industry. It was incorporated on 01 December 2017 (9+ years old) and is registered under CIN U65990UP2017PTC099006.
Sindhuja Microcredit has 9 current directors:
- Abhisheka Kumar - Managing Director
- Malkit Singh Didyala - Whole-Time Director
- Abhishek Sharman - Nominee Director
- Diwakar Pundir - Director
- Sandeep Shashidhar Phanasgaonkar - Director
- Jagriti Bhandari - Nominee Director
- Agustin Vitorica - Nominee Director
- Laetitia Counye - Nominee Director
- Ameet Goyall - Nominee Director
The latest financial statements of Sindhuja Microcredit on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2018 are in the company report.
The GSTIN of Sindhuja Microcredit is 09AAZCS5308P1Z9, registered in Uttar Pradesh. The company has 13 GST registrations in all, of which 13 are active. Other active GSTINs include 09AAZCS5308P2Z8 (Uttar Pradesh), 10AAZCS5308P1ZQ (Bihar), 20AAZCS5308P1ZP (Jharkhand).
The CIN (Corporate Identification Number) of Sindhuja Microcredit is U65990UP2017PTC099006. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Sindhuja Microcredit has 29 court cases on record: 20 filed by the company and 9 filed against it. 18 are pending.
Sindhuja Microcredit was incorporated on 01 December 2017, making it 9+ years old. It is registered with the Registrar of Companies, Uttar Pradesh.
Sindhuja Microcredit has 22 deals on record (11 funding rounds, 7 debt financings, 2 rights issues), with disclosed funding of ₹498.76 Cr; the latest was in May 2026.
The peers of Sindhuja Microcredit by revenue are Arihant Enterprises Ltd, Akasa Finance Limited, Ashika Global Securities Private Limited, Smartlink Holdings Limited, TMT Viniyogan Ltd. and 1 more, all in the BFSI industry (Micro Finance Institutions, Mid Sized Non Deposit NBFC, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Agustin Vitorica was appointed as Nominee Director on 05 Sep 2024. Laetitia Counye was appointed as Nominee Director on 05 Sep 2024. Yashvant Malhotra ceased to be Director on 04 Sep 2024. Sindhuja Microcredit has 15 board changes on record in total.
Sindhuja Microcredit has 7 MSME Form 1 returns on record between 2023 and 2024, listing 27 overdue payments to 8 micro and small suppliers. The latest return was filed on 25 Apr 2024.
Sindhuja Microcredit can be reached through the website sindhujamicrocredit.com. Its registered office is in Noida, Uttar Pradesh, India.