Spoorthy Micro Finance Foundation
About Spoorthy Micro Finance Foundation
Data last updated:
Spoorthy Micro Finance Foundation is a private not for profit company based in Chandauli, Uttar Pradesh, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 29 December 2015 and has been in existence for over 11 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U65923UP2015NPL075355.
The company has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors including Rajaywan Jaiswal and Diptwan Jaiswal.
Its last annual general meeting (AGM) was held on 20 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at 98 Pachwaniya Pachvan Chakia, Chandauli, Uttar Pradesh, India – 232103.
As per the financials filed for FY 2025, the company reported a revenue of ₹5.08 Lakh, a decline of 42% compared to the previous year. For the same year it recorded a net loss of ₹3.61 Lakh (net margin -71.1%) and EBITDA of -₹4.82 Lakh (EBITDA margin -94.8%). Revenue has declined at a compounded annual rate (CAGR) of 18% over three years and 23% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered Address98 Pachwaniya Pachvan Chakia, Chandauli, Uttar Pradesh, India – 232103
- IndustryFinancial Services, Financial Activities
- 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 Spoorthy Micro Finance Foundation
The main business activity of Spoorthy Micro Finance Foundation is financial and insurance service. In detail, this covers other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial 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 Spoorthy Micro Finance Foundation FY 2025 filings available
Spoorthy Micro Finance Foundation reported revenue of ₹5.08 Lakh (down 42% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Spoorthy Micro Finance Foundation
Revenue has declined at a compounded annual rate (CAGR) of 23% over five years, including a 42% fall in the latest year. EBITDA rose 7% 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 Spoorthy Micro Finance Foundation
| 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 | -₹4.82 Lakh | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹3.61 Lakh | •••• | •••• | •••• | •••• |
| 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 Spoorthy Micro Finance Foundation
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -94.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -71.1% | •••• | •••• | •••• | •••• |
| 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 Spoorthy Micro Finance Foundation are in the company report.
Financial statements from FY 2016
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.
Board of Directors of Spoorthy Micro Finance Foundation
Spoorthy Micro Finance Foundation has 6 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Rajaywan Jaiswal | Director | 11 Feb 2016 | 10 Years 8 Months | Current |
| Diptwan Jaiswal | Director | 11 Feb 2016 | 10 Years 8 Months | Current |
| Mamata | Director | 11 Feb 2016 | 10 Years 8 Months | Current |
| Madhukant Jaiswal | Director | 11 Feb 2016 | 10 Years 8 Months | Current |
| Akhilesh Kumar Gupta | Director | 29 Dec 2015 | 10 Years 9 Months | Current |
| Shesh Nath Pandey Also directs: Spoorthy Rural Distribution Services Private Limited | Director | 29 Dec 2015 | 10 Years 9 Months | Current |
Peer Comparison of Spoorthy Micro Finance Foundation
Spoorthy Micro Finance Foundation is compared with the companies closest to it by revenue in the BFSI industry (Finance, 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 |
|---|---|---|---|---|---|---|
| Pramila Finance and Investments Private Limited | ₹5.13 Lakh (FY 2022) | •••• | •••• | •••• | Thane, Maharashtra, India | |
| Act Finance Private Limited | ₹5.1 Lakh (FY 2024) | •••• | •••• | -7.0% | •••• | Kolkata, West Bengal, India |
| Zoom Textiles & Finance Pvt. Ltd. | ₹5.1 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | Gorakhpur, Uttar Pradesh, India |
| Lattice Point Academy of Finance Private Limited | ₹5.1 Lakh (FY 2024) | •••• | •••• | •••• | Chennai, Tamil Nadu, India | |
| Harvinder Motor Finance Private Limited | ₹5.1 Lakh (FY 2024) | •••• | •••• | -49.0% | •••• | Uttar Pradesh, India |
| Spoorthy Micro Finance Foundation this company | ₹5.08 Lakh (FY 2025) | •••• | •••• | -42.0% | •••• | Chandauli, Uttar Pradesh, India |
| Emca Leasing and Finance Pvt. Ltd. | ₹5.07 Lakh (FY 2025) | •••• | •••• | 4.0% | •••• | New Delhi, Delhi, India |
| Thirunindra Narayanan Finance & Investment Limited | ₹5.07 Lakh (FY 2025) | •••• | •••• | 6.0% | •••• | Chennai, Tamil Nadu, India |
| Yashwantraje Urban Multiple Nidhi Limited | ₹5.07 Lakh (FY 2025) | •••• | •••• | 0.0% | •••• | Panvel, Maharashtra, India |
| Janodaya Nidhi Limited | ₹5.07 Lakh (FY 2023) | •••• | •••• | 9.0% | •••• | Doddaballapur, Karnataka, India |
| Byzoo Nidhi Limited | ₹5.06 Lakh (FY 2022) | •••• | •••• | •••• | Jhabua, Madhya Pradesh, India |
Peers are the five companies nearest above and the five nearest below Spoorthy Micro Finance Foundation by revenue in the BFSI industry (Finance, Micro Finance), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Ownership and Shareholding of Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
Spoorthy Micro Finance Foundation does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Spoorthy Micro Finance Foundation
Employment history and EPFO contributions of people linked to Spoorthy Micro Finance Foundation.
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.
Recent Activity on Spoorthy Micro Finance Foundation
Spoorthy Micro Finance Foundation has 6 board changes on record since 2015: 6 appointments. The latest: Diptwan Jaiswal was appointed as Director on 11 Feb 2016.
Credit Ratings, Litigation & Regulatory Alerts for Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
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 Spoorthy Micro Finance Foundation
Spoorthy Micro Finance Foundation is an active private not for profit company based in Chandauli, Uttar Pradesh, India. The company works in financial activities, within the financial services industry. It was incorporated on 29 December 2015 (11+ years old) and is registered under CIN U65923UP2015NPL075355.
Spoorthy Micro Finance Foundation reported revenue of ₹5.08 Lakh for FY 2025 (down 42% YoY).
Spoorthy Micro Finance Foundation has 6 current directors:
- Rajaywan Jaiswal - Director
- Diptwan Jaiswal - Director
- Mamata - Director
- Madhukant Jaiswal - Director
- Akhilesh Kumar Gupta - Director
- Shesh Nath Pandey - Director
Spoorthy Micro Finance Foundation reported a net loss of ₹3.61 Lakh (net margin -71.1%) and EBITDA of -₹4.82 Lakh (EBITDA margin -94.8%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Spoorthy Micro Finance Foundation is -18% over three years and -23% over five years. In the latest year (FY 2025) revenue fell 42%. CAGR is the steady yearly rate that links the first and the last year.
The CIN (Corporate Identification Number) of Spoorthy Micro Finance Foundation is U65923UP2015NPL075355. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Spoorthy Micro Finance Foundation was incorporated on 29 December 2015, making it 11+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Spoorthy Micro Finance Foundation by revenue are Pramila Finance and Investments Private Limited, Act Finance Private Limited, Zoom Textiles & Finance Pvt. Ltd, Lattice Point Academy of Finance Private Limited, Harvinder Motor Finance Private Limited and 5 more, all in the BFSI industry (Finance, Micro Finance).
Diptwan Jaiswal was appointed as Director on 11 Feb 2016. Madhukant Jaiswal was appointed as Director on 11 Feb 2016. Mamata was appointed as Director on 11 Feb 2016. Spoorthy Micro Finance Foundation has 6 board changes on record in total.
The registered office of Spoorthy Micro Finance Foundation is at 98 Pachwaniya Pachvan Chakia, Chandauli, Uttar Pradesh, India – 232103.
Spoorthy Micro Finance Foundation has an authorised share capital of ₹1 Lakh and a paid-up capital of ₹1 Lakh.