Smart Credit India Finance Limited - Company Profile

It is a financial services public limited company based in Trichy, Tamil Nadu, India, established in 1996.
1996 Trichy, Tamil Nadu, India Active
Last Updated:
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About Smart Credit India Finance Limited

Smart Credit India Finance Limited, a active public limited company, was established on 06 June 1996 in Trichy, Tamil Nadu, India. Engaging in asset financing companies within the financial and insurance service sector, it holds CIN: U65191TN1996PLC035675. Registered under ROC Roc Chennai. it is unlisted. It has an authorized capital of ₹11.00 Cr and a paid-up capital of ₹3.93 Cr.

Formerly known as Karur Gayathiri Finance Limited. It upholds a compliant status. Its leadership includes Ganesan Sundar (Director), Geetha Ramachandran (Director), Balasubramanian Senthil Kumar (Director). Past directors included Ganesan Sundar, Geetha Ramachandran, Balasubramanian Senthil Kumar. It holds ₹1.10 Cr open charges and ₹0.36 M settled loans. Its latest AGM occurred on 30 September 2024, with the balance sheet filed on 31 March 2024. It is based at Nachiyar Towers, 5/26 E.V.R Salai, K.K Nagar, Trichy, Tamil Nadu, 620021.

Company Details
  • Email
    **********
  • Telephone

    +91-XXXXXXXXXX

  • Website
    **********
  • Social Media
    **********
  • Apps
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Company Details

  • CIN/LLPIN

    U65191TN1996PLC035675

  • Registration Number

    035675

  • Incorporation Date

    06 June 1996

  • Authorized Capital

    ₹11.00 Cr

  • Paid-Up Capital

    ₹3.93 Cr

  • ROC Code

    Roc Chennai

  • Listing Status

    Unlisted

  • Company Status

    Active

Key Metrics
  • Authorised Capital ₹ 11.00 Cr
  • Paid Up Capital ₹ 3.93 Cr
  • Company Age 29 Year, 9 Months
  • Last Filing with ROC 31 Mar 2024
  • Open Charges ₹ 1.10 Cr
  • Satisfied Charges ₹ 0.36 M
  • Revenue Growth **** 167.15%
  • Profit Growth **** -389.97%
  • Ebitda **** -187.35%
  • Net Worth -8.39%
  • Total Assets **** 429.27%
Company report

Smart Credit India Finance Limited

Company Report FY 2025-2026

Comprehensive Company Insights

Explore comprehensive insights into Smart Credit India Finance Limited — covering financial performance, compliance records, Competitor, shareholding patterns, directors, key metrics, and litigation history. Unlock to see detailed insights and stay informed.

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Who are the key members and board of directors at Smart Credit India Finance Limited?
Current Directors
Name Designation Appointment Date Status
Ganesan Sundar Director 07 Aug 2023 Current
Geetha Ramachandran Director 23 Jun 2022 Current
Balasubramanian Senthil Kumar Director 23 Jun 2022 Current
Mookaih Sivasubramaniyam Whole-Time Director 06 Jun 1996 Current
Ramachandran Balashanmugam Director 23 Jun 2022 Current
Past Directors
Name Designation Cessation Status
Pramod Abcsdd Additional Director 29 Sep 2023 Past
Pramod Abcsdd Additional Director 30 Aug 2022 Past
Pramod Abcsdd Additional Director 30 Aug 2022 Past
Pramod Abcsdd Additional Director 12 Sep 2018 Past
Pramod Abcsdd Director 02 Apr 2021 Past
Pramod Abcsdd Director 23 Jun 2022 Past

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Financial Performance of Smart Credit India Finance.

Smart Credit India Finance Limited, for the financial year ended 2023, experienced significant growth in revenue, with a 167.15% increase. The company also saw a substantial fall in profitability, with a 389.97% decrease in profit. The company's net worth dipped by a decrease of 8.39%.

Smart Credit India Finance revenue growth over time
Smart Credit India Finance profit and loss trends over time
Date Amount Transaction Name Valuation Lead Investors Investors
Jul, 2021 Amount Post-IPO - Grab Valuation

investors
Emtek
Feb, 2021 Amount Post-IPO - Grab Valuation

investors
Signite Partners
Jan, 2021 Amount Post-IPO - Grab Valuation

investors
Hana Financial Group , GGV Capital
Feb, 2021 Amount Post-IPO - Grab Valuation

investors
Signite Partners
  • Key Matrics
  • Balance Sheet
  • Profit and Loss
  • Cash Flow
  • Ratios
Metrics
(FY 2023) YOY Growth
(FY 2022) (FY 2021) (FY 2020) (FY 2019)
Total Revenue
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 167.15%
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Revenue from Operations
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 202.45%
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Total Assets
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 429.27%
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Profit or Loss
*******
 -389.97%
*******
*******
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Net Worth
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 -8.39%
*******
*******
*******
*******
EBITDA
*******
 -187.35%
*******
*******
*******
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What is the Ownership and Shareholding Structure of Smart Credit India Finance?

In 2022, Smart Credit India Finance had a promoter holding of 31.40% and a public holding of 68.60%. Access key insights, ownership, including shareholding patterns, funding, foreign investors, KMP remuneration, group structure, and overseas investments.

Shareholding Pattern (FY 2024)
shareholding
  • Promoters: 92.83%
  • Public: 4.10%
  • Others: 3.07%
Shareholding Pattern over the Year
FY (2024) FY (2023) FY (2022) FY (2021) FY (2020)
Promoters 92.83 94.62 94.55 94.55 94.55
Public 4.10 3.89 3.95 3.96 3.98
Others 3.07 1.49 1.50 1.49 1.47

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Charges (Loans)
Open Charges

₹11,000,000.00

Satisfied Charges

₹356,345.00

Charges Breakdown by Lending Institutions
  • State Bank Of India : 1.10 Cr
Latest Charge Details
Date Lender Amount Status
11 Jun 2025 State Bank Of India ₹1.10 Cr Open
16 Oct 2014 Gda Trusteeship Limited ₹0.36 M Satisfied

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How Many Employees Work at Smart Credit India Finance?

Unlock and access historical data on people associated with Smart Credit India Finance, such as employment history, contributions to the Employees' Provident Fund Organization (EPFO), and related information.

Employee Date Number of Employees
2020 78,000
2021 80,500
2022 83,200
2023 86,000
2024 89,500
2025 92,000
Deals i
Graph showing company valuation over time

Gain comprehensive insights into the Deals and Valuation data of Smart Credit India Finance, offering detailed information on various transactions, including security allotment data. Explore the intricate details of financial agreements, mergers, acquisitions, divestitures, and strategic partnerships that have shaped Smart Credit India Finance's trajectory.

Rating
Graph displaying rating trends over time

Access the credit rating data, providing valuable insights into the company's creditworthiness and financial stability. Explore assessments from leading credit rating agencies, evaluating factors such as debt obligations, liquidity, profitability, and overall financial health.

Alerts
Alert Indicator

Stay informed about regulatory alerts and litigation involving and associated companies. Receive timely updates on legal proceedings, regulatory changes, and compliance issues that may impact the company's operations, reputation, and financial performance. Monitor litigation involving subsidiaries, joint ventures, and other affiliated entities to assess potential risks and liabilities.

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Latest Updates, News, and FAQs on Smart Credit India Finance
Recent Activity within the Organization
  • Charges

    Progress on A charge with State Bank Of India amounted to Rs. 1.10 Cr with Charge ID 101142029 was registered on 11 Jun 2025. was documented.

  • Annual General Meeting

    Progress on Smart Credit India Finance Limited last Annual general meeting of members was held on 30 Sep 2024 as per latest MCA records. was documented.

  • Balance Sheet

    The activity Smart Credit India Finance Limited has filed its annual Financial statements for the year ended 31 Mar 2024 with Roc Chennai. was completed.

  • Director Appointment

    Ganesan Sundar was appointed as a Director was appointed as a Director on 07 Aug 2023 & has been associated with this company since 2 years 7 months . was recorded as a recent event.

  • Charges

    Progress on A charge registered on 16 Oct 2014 via Charge ID 10527341 with Gda Trusteeship Limited was fully satisfied on 27 Jun 2022. was documented.

  • Director Appointment

    The activity Geetha Ramachandran was appointed as a Director was appointed as a Director on 23 Jun 2022 & has been associated with this company since 3 years 8 months . was completed.

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Frequently Asked Questions
What is the CIN of Smart Credit India Finance Limited?

The CIN of Smart Credit India Finance Limited is U65191TN1996PLC035675.

Where is Smart Credit India Finance Limited headquartered?

Smart Credit India Finance Limited is headquartered at Nachiyar Towers, 5/26 E.V.R Salai, K.K Nagar, Trichy, Tamil Nadu, 620021.

When was Smart Credit India Finance Limited incorporated?

Smart Credit India Finance Limited was incorporated on 06 June 1996.

Who are the current directors of Smart Credit India Finance Limited?

The current directors of Smart Credit India Finance Limited are

What is the primary industry of Smart Credit India Finance Limited?

The primary industry of Smart Credit India Finance Limited is Financial And Insurance Service.

Is Smart Credit India Finance Limited a listed company?

Smart Credit India Finance Limited is unlisted.

What is the capital structure of Smart Credit India Finance Limited?

The authorized capital of Smart Credit India Finance Limited is ₹11.00 Cr, and the paid-up capital is ₹3.93 Cr.

What is the compliance status of Smart Credit India Finance Limited?

The compliance status of Smart Credit India Finance Limited is Compliant.

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