Spenny Fintech Private Limited

Spenny Fintech Private Limited - internet in Bangalore, Karnataka, India. FY 2026 financials and compliance.
CIN U67100KA2020FTC131808 Incorporated 22 January 2020 ROC Bangalore HQ Bangalore, Karnataka, India
Active Foreign Private Limited Company internet
Data last updated
Revenue · FY 2023
₹3.81 Cr
▼ 4.00% YoY
EBITDA · FY 2023
*****
▼ 14.00% YoY
Net profit · FY 2023
*****
▼ 51.00% YoY
Authorised capital
₹6.82 Cr
Registered with MCA
Paid-up capital
₹6.82 Cr
Issued & subscribed
Open charges
None
Secured borrowings
Company age
6 yrs
Est. 2020
Last financials
Mar 2023
Balance sheet date

About Spenny Fintech Private Limited

Data last updated: 23 December 2025

Spenny Fintech Private Limited is a foreign private limited company based in Bangalore, Karnataka, India, a subsidiary of Spenny Pte. Inc. It specialises in online financial services, a part of the broader internet and digital services sector. Incorporated on 22 January 2020, the company has been in operation for over 6 years.

Registered with ROC Bangalore under CIN U67100KA2020FTC131808.

Capital: an authorised share capital of ₹6.82 Cr and a paid-up capital of ₹6.82 Cr. It is led by directors Rathin Jitesh Shah and Narasimha Sastry Vasanth.

Last AGM: 30 September 2023. Financial statements filed for year ended 31 March 2023. Office: 677 1St Floor 27Th Main 13Th Cross Sector 1 Hsr Layout, Bangalore, Karnataka, India – 560102.

As per the financials filed for FY 2023, the company reported a revenue of ₹3.81 Cr, a decline of 4% compared to the previous year.

It operates as a subsidiary of Spenny Pte. Inc.

The company is associated with 1 brand - Spenny.

For more details, the company can be reached via its website spenny.com.

Company Details of Spenny Fintech Private Limited
CIN U67100KA2020FTC131808
Registration Number 131808
Incorporation Date 22 January 2020
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2023
Date of Balance Sheet 31 March 2023
Parent Company Spenny Pte. Inc
Key People
Rathin Jitesh Shah Director Narasimha Sastry Vasanth Director
Contact Details
  • Email
    *****@*****.com
  • Telephone
    +91-****-******
  • Website
    spenny.com
  • Social Media
  • Registered Address
    677 1St Floor 27Th Main 13Th Cross Sector 1 Hsr Layout, Bangalore, Karnataka, India – 560102
  • Industry
    Internet, Online Financial Services
Company report
Spenny Fintech Private Limited - full intelligence report
  • Historical Financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Litigation, compliance and MCA filings
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Financials, compliance, directors, charges, ownership and filings for Spenny Fintech Private Limited in one report.

10-year financials Directors & ownership Charges & compliance

CIN History of Spenny Fintech Private Limited

Spenny Fintech Private Limited has one previous CIN (Corporate Identification Number): U65929KA2020FTC131808. The current CIN is U67100KA2020FTC131808, which is the unique identifier assigned by the Registrar of Companies.

CIN Status
U67100KA2020FTC131808 Current
U65929KA2020FTC131808 Previous

Associated Brands with Spenny Fintech Private Limited

Spenny Fintech Private Limited operates one associated brand: Spenny. These brands represent Spenny Fintech Private Limited's diversified market presence and brand portfolio.

Brand Description Website
Spenny
Savings and gold investments are enabled through app-based transaction roundups. spenny.com

Competitors & Alternatives of Spenny Fintech Private Limited

Brands and companies operating in the same space as Spenny Fintech Private Limited include Piggy, Tranako, Codeister Technologies and 1 more.

Competitor Description Location Founded
Piggy Piggy Piggy is recognized as a direct mutual fund investment platform in India. Bengaluru, India, India 2016
Tranako Tranako Spare change from purchases is automatically invested in global assets. Tokyo, Japan, Japan 2016
Codeister Technologies Codeister Technologies Web and mobile app-based microsavings platform Kochi, India, India 2015
pennywise pennywise Offers financial workshops, digital tools, and community for corporate employee education. India 2020

Business Activity of Spenny Fintech Private Limited

Spenny Fintech Private Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including financial advisory, brokerage and consultancy services.

Main Activity Group Code Description of Main Activity Business Activity Code Description of Business Activity Turnover Percentage
K Financial and insurance Service K7 Financial Advisory, brokerage and Consultancy Services *********

Auditor Details of Spenny Fintech Private Limited

Spenny Fintech Private Limited is audited by S R G A & Co. for the financial year 2023. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.

Name Status Appointment Date Cessation Date
S R G A & Co. blur-value blur-value blur-value

Board of Directors of Spenny Fintech Private Limited

Spenny Fintech Private Limited is currently managed by 2 directors, with 2 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
Name Designation Appointment Date Tenure Status
Rathin Jitesh Shah
Also directs: Spenny Fintech Private Limited
Director 22 Jan 2020 6 Years 5 Months Current
Narasimha Sastry Vasanth
Also directs: Spenny Fintech Private Limited, Dreampurse Technologies Private Limited, Dreamplug Advisory Solutions Private Limited and 1 more
Director 05 Sep 2024 1 Years 10 Months Current
View all directors

Financials of Spenny Fintech Private Limited FY 2023 filings available

Spenny Fintech Private Limited reported revenue of ₹3.81 Cr (down 4% YoY) for FY 2023. Profit growth despite declining revenue indicates effective cost management and margin discipline.

Revenue
₹3.81 Cr ▼ -4%
Profit
***** ▼ -51%
EBITDA
***** ▼ -14%
Metrics
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Revenue
Revenue from Operations
*****
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Revenue Growth %
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Other Income
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Total Revenue
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Expenses
Total Expenses
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Raw Material Cost
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Change in Inventory FG
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Change in Inventory WIP
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Purchase of Traded Goods
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Employee Cost
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Managerial Remuneration
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Audit Fees
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Insurance
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Power & Fuel
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Interest
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Depreciation
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Other Expenses
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Profitability
EBITDA (Operating Profit)
*****
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Operating Margin %
*****
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Exceptional Items
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Extraordinary Items
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Profit Before Exceptional & Extraordinary Items
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Profit Before Tax
*****
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Tax & Net Profit
Tax Expense
*****
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Current Tax
*****
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Deferred Tax
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Profit from Discontinued Operations
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Tax on Discontinued Operations
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Profit
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Net Margin %
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Metrics
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Shareholders' Funds
Total Shareholders' Funds
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Equity Capital
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Reserves & Surplus
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Money Against Warrants
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Other Equity
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Non-Current Liabilities
Total Non-Current Liabilities
*****
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Long-Term Borrowings
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Deferred Tax Liabilities
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Other Non-Current Liabilities
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Long-Term Provisions
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Current Liabilities
Total Current Liabilities
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Short-Term Borrowings
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Trade Payables
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Other Current Liabilities
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Short-Term Provisions
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Total Equity & Liabilities
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Non-Current Assets
Non-Current Assets
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Tangible Assets
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Intangible Assets
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Capital WIP
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Intangibles Under Dev
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Investments
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Deferred Tax Assets
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LT Loans & Advances
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Other Non-Current Assets
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Current Assets
Current Assets
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Current Investments
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Inventories
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Trade Receivables
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Cash & Bank Balance
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ST Loans & Advances
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Other Current Assets
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Total Assets
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Metrics
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Cash from Operating Activities (CFO)
Profit Before Tax
*****
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Non-Cash Adjustments
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+ Interest Expense
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+ Depreciation
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+/- Unrealized Forex
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- Dividend Income
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- Interest Income
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+/- Other Non-Cash Items
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Changes in Working Capital
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+/- Inventory
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+/- Debtors
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+/- Creditors
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Reconciliation Adjustments
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Cash Generated from Operations
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Income Taxes Paid
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Net CFO (Cash from Operations)
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Cash from Investing Activities (CFI)
Acquisitions & Disposals
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Disposal of Subsidiaries
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Acquisition of Subsidiaries
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Capex
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Purchase of Fixed Assets
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Sale of Fixed Assets
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Other Investing Cash Flows
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Net CFI (Cash from Investing)
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Cash from Financing Activities (CFF)
Equity Issuance
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Debt Raised
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Debt Repaid
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Dividends Paid
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Interest Paid
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Net CFF (Cash from Financing)
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Net Cash Position
Net Change in Cash (Pre-Forex)
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Closing Cash & Equivalents
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Metrics
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Liquidity
Current Ratio
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Quick Ratio
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Cash Ratio
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Efficiency
Inventory Days
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Debtor Days
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Creditor Days
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Cash Conversion Cycle
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Asset Turnover
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Profitability
Net Profit Margin %
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Operating Margin %
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ROE %
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ROCE %
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Net Worth Margin %
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Growth
Revenue Growth %
*****
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Leverage
Equity Multiplier
*****
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Debt / EBITDA
*****
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Solvency
D/E Ratio
*****
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ICR
*****
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*****

Consolidated Statements

Income Statement, Balance Sheet, Cash Flow & Ratios available in the full report.

Unlock Complete Financial History (FY 2015 – Latest)
Standalone & Consolidated - Income Statement, Balance Sheet, Cash Flow, Financial Ratios and Growth Trends with 10+ years of line-item data.
10+ years of data Line-item breakdown Balance Sheet detail Cash Flow analysis 20+ ratios & metrics Downloadable PDF

Shareholding Pattern of Spenny Fintech Private Limited

As of FY 2023, Spenny Fintech Private Limited's shareholding pattern shows 100.00% by promoters. The promoters hold a majority stake, indicating strong promoter control.

2025
YEAR
38.19% Promoters
25.22% DII (Domestic Institutional)
10.28% FII (Foreign Institutional)
25.89% Public
2.42% Others
Shareholding Trend
Year 2025
Promoters 33.19%
DII 23.22%
FII 18.28%
Public 22.89%
Others 2.42%

Charges & Borrowings Spenny Fintech Private Limited

Spenny Fintech Private Limited does not have any charges (loans) registered with the Registrar of Companies.

Employees and EPFO Compliance at Spenny Fintech Private Limited

View historical data on people associated with Spenny Fintech Private Limited, including employment history and EPFO contributions.

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Employee Count & EPFO Data of Spenny Fintech Private Limited

Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.

Monthly employee headcount & PF contributions
EPFO establishment details & ECR filing status
Year-wise workforce analytics & attrition trends
PF exemption, coverage & compliance verification

GST Compliance of Spenny Fintech Private Limited

XX%
Compliant
GSTR-1
GSTR-3B
GSTR-9
MH
KA
UP
TN
TS

GSTIN & GST Filing Data of Spenny Fintech Private Limited

Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.

GSTIN registrations & state-wise presence
Filing compliance - GSTR-1, GSTR-3B, GSTR-9
HSN/SAC codes with goods & services details
Taxpayer type, jurisdiction & business constitution

Credit Ratings, Litigation & Regulatory Alerts for Spenny Fintech Private Limited

Credit rating
AAA
AA+
AA
AA-
! !
2015 2017 2019 2021 2023
Litigation
District Court 35
High Court 45
Supreme Court 0
NCLT / NCLAT 0
Pending
Disposed
Regulatory alerts
GSTIN Cancelled
Andhra Pradesh
GSTIN Cancelled
Telangana (on application)
EPFO Delay
12 months delay - Haryana
Violations via Directors
20 MCA + 19 Bank defaults

Credit Ratings, Legal Cases & Regulatory Alerts of Spenny Fintech Private Limited

Access complete credit rating history, litigation records, regulatory alerts, and compliance data.

Credit rating history across CARE, ICRA, Brickwork & India Ratings
Instrument-wise ratings, outlook & action timeline
Court-wise litigation (District, High Court, Supreme Court, NCLT)
Group company & common directorship litigation
Statutory compliance alerts (GSTIN, EPFO, ROC)
Director & company violations (MCA, SEBI, Banks, BSE/NSE)

MSME Payment Delays by Spenny Fintech Private Limited

MSME Payment Delays by Spenny Fintech Private Limited

Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.

Amounts outstanding to MSME suppliers
Delay periods & reasons for delayed payments
Half-yearly MSME-1 filing history
Vendor-payment behaviour as a counterparty risk signal

Subsidiaries & Group Companies of Spenny Fintech Private Limited

Subsidiaries & Group Companies of Spenny Fintech Private Limited

See the full corporate group - holding company, subsidiaries, associates and joint ventures of Spenny Fintech Private Limited with ownership details.

Holding & parent company details
Subsidiaries & step-down subsidiaries with % holding
Associates & joint ventures with partner details
Investments in other entities year-on-year

MCA Filings & Documents of Spenny Fintech Private Limited

MCA Filings & Documents of Spenny Fintech Private Limited

Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.

Incorporation documents, MoA & AoA
Annual returns (MGT-7) & financial statements (AOC-4)
Charge filings (CHG-1, CHG-4) & resolutions
Complete document index with filing dates

Recent Activity on Spenny Fintech Private Limited

Directors
05 Sep 2024
Narasimha Sastry Vasanth was appointed as a Director on 05 Sep 2024 & has been associated with this company since 1 year 10 months.
Activity
30 Sep 2023
Spenny Fintech Private Limited last Annual general meeting of members was held on 30 Sep 2023 as per latest MCA records.
Activity
31 Mar 2023
Spenny Fintech Private Limited has filed its annual Financial statements for the year ended 31 Mar 2023 with Roc Bangalore.
Directors
22 Jan 2020
Rathin Jitesh Shah was appointed as a Director on 22 Jan 2020 & has been associated with this company since 6 years 5 months.
Activity
22 Jan 2020
Spenny Fintech Private Limited was registered on 22 Jan 2020 with Roc Bangalore & aged 6 years 5 months as per MCA records.

Recent News on Spenny Fintech Private Limited

Frequently Asked Questions about Spenny Fintech Private Limited

Spenny Fintech Private Limited is an active foreign private limited company in the internet sector based in Bangalore, Karnataka, India. It was incorporated on 22 January 2020 (6+ years old) and is registered under CIN U67100KA2020FTC131808.

Spenny Fintech Private Limited reported revenue of ₹3.81 Cr for FY 2023 (down 4.00% YoY).

The current directors of Spenny Fintech Private Limited are:

The primary industry of Spenny Fintech Private Limited is internet. The company specifically operates in online financial services. The company is currently active in this sector.

Spenny Fintech Private Limited can be reached at the registered office: 677 1St Floor 27Th Main 13Th Cross Sector 1 Hsr Layout, Bangalore, Karnataka, India – 560102, or through the website spenny.com.

The authorised capital is ₹6.82 Cr, and the paid-up capital is ₹6.82 Cr.

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