Startup India Government of India
STK Credit Private Limited - financial services in Bangalore, Karnataka, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹10.06 Cr
▲ 577% YoY
Net loss · FY 2025
₹11.55 Cr
Net margin -114.8%
EBITDA · FY 2025
-₹8.17 Cr
EBITDA margin -81.3%
Authorised capital
₹4.3 Cr
Registered with MCA
Paid-up capital
₹3.75 Cr
Issued & subscribed
Open charges
₹150 Cr
Secured borrowings
Company age
5 yrs
Est. 2021
Employees · EPFO
27
Provident fund records
About STK Credit Private Limited
Data last updated:
STK Credit Private Limited is a private limited company based in Bangalore, Karnataka, India, recognised as a startup by DPIIT. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 08 December 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65990KA2021PTC155348. Its GSTIN is 29ABHCS4573M1ZK (Karnataka).
The company has an authorised share capital of ₹4.3 Cr and a paid-up capital of ₹3.75 Cr. It is led by directors including Manish Kumar Raj and Rajat Kumar Singh.
Its last annual general meeting (AGM) was held on 08 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Bangalore, Karnataka.
As per the financials filed for FY 2025, the company reported a revenue of ₹10.06 Cr, reflecting significant growth compared to the previous year. For the same year it recorded a net loss of ₹11.55 Cr (net margin -114.8%) and EBITDA of -₹8.17 Cr (EBITDA margin -81.3%).
The company has about 27 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: InPrime Finserv. As per MCA filings, the company has open charges of ₹150 Cr on record. Court records list 33 cases involving the company, including 33 filed by the company; 15 cases are pending. The company has 8 deals on record (3 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹108.15 Cr; the latest was in December 2025. Its 6 peer companies in the BFSI industry (NBFC), with the same principal business activity (other financial activities) are compared by revenue, 2 larger and 4 smaller; the largest is Finaleap Finserv Private Limited with revenue of ₹12.08 Cr.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website inprime.in.
Company details
CIN U65990KA2021PTC155348
Registration Number 155348
Incorporation Date 08 December 2021
ROC Bangalore
Listing Status Unlisted
Company Status Active
Date of Last AGM 08 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
DPIIT Recognition Recognised Startup
Recognitions & Rankings of STK Credit
Contact details
STK Credit Private Limited's registered office is in Bangalore, Karnataka. Its website is inprime.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressOlsen Spaces 3rd Floor Site No 1810, Sector – 1 Hsr Layout, Bangalore, Karnataka, India – 560102
- IndustryFinancial Services, NBFC
To see the full contact details of STK Credit Private Limited, buy the company report.
Comprehensive company report
STK Credit Private Limited - one report that includes everything
- 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
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included
Brands
STK Credit operates one associated brand: InPrime Finserv. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Financial services are delivered to India's informal economy prime segment. | inprime.in |
Business activity
The main business activity of STK Credit 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 STK Credit Private Limited, buy the company report.
Financials of STK Credit Private Limited
FY 2025 filings availableSTK Credit Private Limited reported revenue of ₹10.06 Cr (up 577% YoY) for FY 2025.
Revenue · FY 2025
₹10.06 Cr ▲ 577%
Net loss · FY 2025
₹11.55 Cr margin -114.8%
EBITDA · FY 2025
-₹8.17 Cr margin -81.3%
Compounded Annual Growth Rate (CAGR)
Revenue CAGR growth
1 year
▲ 577%
EBITDA CAGR growth
1 year
▼ 94%
3 years · compounded
▼ 954%
Revenue rose 577% in the latest year. EBITDA fell 94% 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 |
|---|---|---|---|---|
| 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 | -₹8.17 Cr | |||
| Profit Before Tax | ||||
| Tax Expense | ||||
| Net Profit (PAT) | -₹11.55 Cr | |||
| 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
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Profitability | ||||
| EBITDA Margin | -81.3% | |||
| Net Profit Margin | -114.8% | |||
| 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 | ||||
To see the full financial statements and ratios of STK Credit Private Limited, buy the company report.
Board of directors of STK Credit Private Limited
STK Credit has 3 directors on record. No former directors are listed.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Manish Kumar Raj | Director | 08 Dec 2021 | 4 Years 10 Months | Current |
| Rajat Kumar Singh | Director | 08 Dec 2021 | 4 Years 10 Months | Current |
| Sneh Thakur | Director | 08 Dec 2021 | 4 Years 10 Months | Current |
Peer comparison
STK Credit Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (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 |
|---|---|---|---|---|---|---|
| Finaleap Finserv Private Limited | ₹12.08 Cr (FY 2024) | 728.0% | Pune, Maharashtra, India | |||
| Knab Finance Advisors Private Limited | ₹10.4 Cr (FY 2025) | 61.0% | New Delhi, Delhi, India | |||
| STK Credit Private Limitedthis company | ₹10.06 Cr (FY 2025) | -₹11.55 Cr | -114.8% | 577.0% | 27 | Bangalore, Karnataka, India |
| Rama Investment Co Private Ltd | ₹9.83 Cr (FY 2025) | -64.0% | Raipur, Chhattisgarh, India | |||
| Citra Financials Private Limited | ₹9.7 Cr (FY 2025) | 29.0% | New Delhi, Delhi, India | |||
| Archway Investment Company Limited | ₹9.61 Cr (FY 2016) | -5.0% | Mumbai, Maharashtra, India | |||
| Ftcash Finance Private Limited | ₹9.54 Cr (FY 2025) | 8.0% | Thane, Maharashtra, India |
To see the full peer comparison of STK Credit Private Limited, buy the company report.
Auditor
STK Credit Private Limited is audited by Govindarajan R & Company, for the financial year 2022.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Govindarajan R & Company, | FY 2022 | FNA252849 |
Shareholding
The shareholding of STK Credit Private Limited is on record for 2 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of STK Credit Private Limited, buy the company report.
Charges & borrowings
Open charges
₹150 Cr
Satisfied charges
None
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 02 Jan 2026 | 101216934 | Others | ₹3 Cr | Open | |
| 19 Dec 2025 | 101208595 | Others | ₹10 Cr | Open | |
| 11 Dec 2025 | 101207527 | Others | ₹10 Cr | Open | |
| 28 Nov 2025 | 101194708 | Others | ₹2 Cr | Open | |
| 17 Oct 2025 | 101174907 | Others | ₹15 Cr | Open |
Total charge records: 22 View all charges
Deals & funding
STK Credit Private Limited has 8 deals on record (3 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹108.15 Cr; the latest was in December 2025.
Total deals
8
Funding rounds
3
Debt financings
3
Rights issue
1
Secondary share transfer
1
Disclosed funding
₹108.15 Cr
Deals on record (5 of 8)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Dec 2025 | Debt financing | ₹10 Cr | Investors: Blacksoil Group |
| Jun 2025 | Debt financing | ₹5 Cr | Investors: InnoVen Capital |
| Apr 2025 | Debt financing | ₹5 Cr | Investors: Blacksoil Group |
| Dec 2023 | Funding round · Series A | ₹26.14 Cr | Investors: Z47 (Matrix Partners India), Info Edge Ventures, Kettleborough VC |
| Oct 2022 | Funding round · Seed | ₹12.01 Cr | Investors: Info Edge Ventures, Kettleborough VC, Titan Capital |
To see the full deal history of STK Credit 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
STK Credit Private Limited has 33 court cases on record: 33 filed by STK Credit. 15 cases are pending and 18 are disposed.
Total cases
33
Filed by the company
33
Pending
15
Disposed
18
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 33 | 0 | 15 |
Cases on record (5 of 33)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Vasantha | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against an individual | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against an individual | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against an individual | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against an individual | Pending |
To see the full case history of STK Credit 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.
MSME payment delays
No delayed payments to MSME suppliers are on our record for STK Credit Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
STK Credit Private Limited has a workforce of 27 employees on its EPFO records as of Apr 04, 2024, across 1 active EPFO establishment.
Employee count
27
Active EPFO establishments
1
Employee growth
575%
GST
STK Credit has 1 GST registration: 1 active.
Total GSTINs
1
Active
1
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29ABHCS4573M1ZK | Karnataka | Active | 17 Apr 2023 |
To see the full GST registrations and return filing status of STK Credit Private Limited, buy the company report.
Recent activity
STK Credit Private Limited has 3 board changes on record since 2021: 3 appointments. The latest: Manish Kumar Raj was appointed as Director on 08 Dec 2021.
Charges
A charge with Others amounted to Rs. 3.00 Cr with Charge ID 101216934 was registered on 02 Jan 2026.
Charges
A charge with Others amounted to Rs. 10.00 Cr with Charge ID 101208595 was registered on 19 Dec 2025.
Charges
A charge with Others amounted to Rs. 10.00 Cr with Charge ID 101207527 was registered on 11 Dec 2025.
Charges
A charge with Others amounted to Rs. 2.00 Cr with Charge ID 101194708 was registered on 28 Nov 2025.
Charges
A charge with Others amounted to Rs. 15.00 Cr with Charge ID 101174907 was registered on 17 Oct 2025.
Charges
A charge with Others amounted to Rs. 3.00 Cr with Charge ID 101166777 was registered on 29 Sep 2025.
Charges
A charge with Others amounted to Rs. 20.00 Cr with Charge ID 101163578 was registered on 27 Sep 2025.
Charges
A charge with Others amounted to Rs. 3.00 Cr with Charge ID 101164328 was registered on 26 Sep 2025.
AGM
Stk Credit Private Limited last Annual general meeting of members was held on 08 Sep 2025 as per latest MCA records.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101116266 was registered on 12 Jun 2025.
Charges
A charge with Others amounted to Rs. 10.00 Cr with Charge ID 101142967 was registered on 22 May 2025.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101095570 was registered on 28 Apr 2025.
16 earlier events are in the company report.
News
Frequently asked questions
STK Credit is an active private limited company based in Bangalore, Karnataka, India. The company works in nbfc, within the financial services industry. It was incorporated on 08 December 2021 (5+ years old) and is registered under CIN U65990KA2021PTC155348.
STK Credit has 3 current directors:
- Manish Kumar Raj - Director
- Rajat Kumar Singh - Director
- Sneh Thakur - Director
The latest financial statements of STK Credit on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 08 September 2025. Year-wise statements from FY 2022 are in the company report.
The GSTIN of STK Credit is 29ABHCS4573M1ZK, registered in Karnataka.
The CIN (Corporate Identification Number) of STK Credit is U65990KA2021PTC155348. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
STK Credit has 33 court cases on record: 33 filed by the company. 15 are pending.
STK Credit was incorporated on 08 December 2021, making it 5+ years old. It is registered with the Registrar of Companies, Bangalore.
STK Credit has 8 deals on record (3 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹108.15 Cr; the latest was in December 2025.
The peers of STK Credit by revenue are Finaleap Finserv Private Limited, Knab Finance Advisors Private Limited, Rama Investment Co Private Ltd, Citra Financials Private Limited, Archway Investment Company Limited and 1 more, all in the BFSI industry (NBFC), with the same principal business activity (other financial activities).
Manish Kumar Raj was appointed as Director on 08 Dec 2021. Rajat Kumar Singh was appointed as Director on 08 Dec 2021. Sneh Thakur was appointed as Director on 08 Dec 2021.
Yes, STK Credit is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Sample company reports
The same report you get when you buy one: financials, directors, ownership, deals, charges, legal cases, brands and filings, with the Excel workbook alongside.
Swiggy Limited Listed company · 92 pages
BharatPe (Resilient Innovations Pvt Ltd) Unlisted company · 78 pages