About S M L Finance Limited
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S M L Finance Limited is a public limited company based in Thrissur, Kerala, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 13 August 1996 and has been in existence for over 30 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65910KL1996PLC010648. Its GSTIN is 32AADCS2801F1ZZ (Kerala). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹15 Cr and a paid-up capital of ₹6.03 Cr. It was formerly known as S M L Finance Private Limited. It is led by directors including Griger Cherry Williams (Managing Director) and Chungath Cheru Simon.
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 El/Xv652Kmc Bethani Complexthrissur Road Kunnamkulam, Kerala, India – 680503.
As per the financials filed for FY 2025, the company reported a revenue of ₹87.55 Cr, a decline of 11% compared to the previous year. For the same year it recorded a net loss of ₹2.91 Cr (net margin -3.3%) and EBITDA of ₹32.36 Cr (EBITDA margin 37%). Revenue has grown at a compounded annual rate (CAGR) of 36% over three years and 2% over five years.
The company has about 181 employees on its provident fund (EPFO) records. Its group structure includes 1 subsidiary.
The company is associated with 1 brand: SML Finance. As per MCA filings, the company has open charges of ₹122.13 Cr and satisfied charges of ₹459.52 Cr on record. Court records list 12,007 cases involving the company, including 11,748 filed by the company and 260 filed against it; 1,260 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website smlfinance.com.
Company details
Contact details
S M L Finance Limited's registered office is in Thrissur, Kerala. Its website is smlfinance.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressEl/Xv652Kmc Bethani Complexthrissur Road Kunnamkulam, Kerala, India – 680503
- IndustryFinancial Services, Investment & Credit NBFC, NBFC, Asset Financing Companies
To see the full contact details of S M L Finance 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
S M L Finance operates one associated brand: SML Finance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers financial loans, investments, and insurance to customers in India. | smlfinance.com |
Business activity
The main business activity of S M L Finance is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities |
To see the full business activity and turnover split of S M L Finance Limited, buy the company report.
Financials of S M L Finance Limited
FY 2025 filings availableS M L Finance Limited reported revenue of ₹87.55 Cr (down 11% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue fell 11% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 2%. EBITDA fell 21% 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 |
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| EBITDA | ₹32.36 Cr | ||||
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| Net Profit (PAT) | -₹2.91 Cr | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA Margin | 37% | ||||
| Net Profit Margin | -3.3% | ||||
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To see the full financial statements and ratios of S M L Finance Limited, buy the company report.
Board of directors of S M L Finance Limited
S M L Finance has 8 current directors and 16 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Chungath Cheru Simon Also directs: B R D Developers and Builders Limited, B R D Motors Limited, B R D Car World Limited and 4 more | Director | 05 Nov 1996 | 29 Years 11 Months | Current |
| Abin M Behanan Also directs: Vanchinad Finance Private Limited | Director | 03 Mar 2020 | 6 Years 7 Months | Current |
| Jojo Joseph Njezhuvinkel Also directs: B R D Car World Limited, BRD Securities Ltd | Director | 04 Aug 2016 | 10 Years 2 Months | Current |
| Puthukkunnathu Kuriakose Thankarajan | Director | 19 Nov 2022 | 3 Years 11 Months | Current |
| Kocheril Ittoop Varghese Also directs: Vanchinad Finance Private Limited, Sangeeth Nidhi Limited | Director | 06 Nov 2018 | 7 Years 11 Months | Current |
| Susanna Isaac | Director | 30 Aug 2010 | 16 Years 1 Months | Current |
Auditor
S M L Finance Limited is audited by Damodaran P Namboodiri for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Damodaran P Namboodiri | FY 2023 | 221178 |
Shareholding
The shareholding of S M L Finance 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 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of S M L Finance Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 29 Sep 2025 | 101171017 | Others | ₹57.5 Lakh | Open | |
| 24 Sep 2025 | 101171018 | Others | ₹1.23 Cr | Open | |
| 28 Apr 2025 | 101106833 | Others | ₹1.65 Cr | Open | |
| 03 Apr 2025 | 101081765 | Indian Overseas Bank | ₹2.95 Cr | Open | |
| 28 Mar 2025 | 101074485 | Others | ₹7.5 Cr | Open |
To see the full charge records of S M L Finance Limited, buy the company report.
Total charge records: 111 View all charges
Legal cases
S M L Finance Limited has 12,007 court cases on record: 11,748 filed by S M L Finance, 260 filed against it. 1,260 cases are pending and 10,747 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 11,910 | 188 | 1,242 |
| High courts | 85 | 60 | 12 |
| NCLAT | 9 | 9 | 6 |
| NCLT | 3 | 3 | 0 |
Cases on record (5 of 12,007)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Kerala | Writ petition | Filed against the company by BRD Car World Ltd. | Pending |
| High Court | Writ petition | Filed against the company by Sundaram Home Finance Ltd | Disposed |
| District court, Thrissur, Kerala | Appeal | Filed against the company by an individual | Pending |
| District court, Ernakulam, Kerala | Civil suit | Filed against the company by an individual | Pending |
| District court, Palakkad, Kerala | Civil suit | Filed against the company by an individual | Pending |
To see the full case history of S M L Finance 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
S M L Finance Limited was last rated by Crisil on 10 Nov 2021.
| Rating agency | Rated on | Rating |
|---|---|---|
| Crisil | 10 Nov 2021 |
To see the full credit ratings and regulatory alerts of S M L Finance Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for S M L Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Group structure & subsidiaries
S M L Finance has 1 subsidiary company. This group structure data is as of FY 2023. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Vanchinad Finance Private Limited | U65910KL1987PTC004722 |
To see the full group structure of S M L Finance Limited, buy the company report.
Employees & EPFO
S M L Finance Limited has a workforce of 181 employees on its EPFO records as of Apr 05, 2024, across 1 active EPFO establishment.
GST
S M L Finance has 2 GST registrations: 2 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AADCS2801F1ZZ | Kerala | Active | 01 Jul 2017 |
| 29AADCS2801F1ZM | Karnataka | Active | 08 May 2021 |
To see the full GST registrations and return filing status of S M L Finance Limited, buy the company report.
Recent activity
S M L Finance Limited has 22 board changes on record since 1996: 8 appointments and 14 cessations. The latest: Thattarayil Paily George ceased to be Additional Director on 29 Sep 2025.
254 earlier events are in the company report.
Frequently asked questions
S M L Finance is an active public limited company based in Thrissur, Kerala, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 13 August 1996 (30+ years old) and is registered under CIN U65910KL1996PLC010648.
S M L Finance has 8 current directors:
- Griger Cherry Williams - Managing Director
- Chungath Cheru Simon - Director
- Abin M Behanan - Director
- Jojo Joseph Njezhuvinkel - Director
- Puthukkunnathu Kuriakose Thankarajan - Director
- Kocheril Ittoop Varghese - Director
- Susanna Isaac - Director
- Thattarayil Paily George - Director
The latest financial statements of S M L Finance 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 2015 are in the company report.
The GSTIN of S M L Finance is 32AADCS2801F1ZZ, registered in Kerala. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 29AADCS2801F1ZM (Karnataka).
The CIN (Corporate Identification Number) of S M L Finance is U65910KL1996PLC010648. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
S M L Finance has 12,007 court cases on record: 11,748 filed by the company and 260 filed against it. 1,260 are pending. Most are in the district courts.
S M L Finance was incorporated on 13 August 1996, making it 30+ years old. It is registered with the Registrar of Companies, Ernakulam.
Thattarayil Paily George ceased to be Additional Director on 29 Sep 2025. Thattarayil Paily George was appointed as Director on 24 Apr 2025. Puthukkunnathu Kuriakose Thankarajan ceased to be Additional Director on 29 Sep 2023. S M L Finance has 22 board changes on record in total.
S M L Finance can be reached through the website smlfinance.com. Its registered office is in Thrissur, Kerala, India.
The registered office of S M L Finance is at ElXv652Kmc Bethani Complexthrissur Road Kunnamkulam, Kerala, India – 680503.