Sugmya Finance Private Limited

Sugmya Finance Private Limited - financial services in Delhi, India. FY 2026 financials & compliance.
CIN U65929DL2017PTC324280 Incorporated 28 September 2017 ROC Delhi HQ Delhi, India
Active Private Limited Company financial services MSME · Medium
Data last updated
Revenue · FY 2025
₹155.04 Cr
▲ 8% YoY
Net profit · FY 2025
₹2.01 Cr
Net margin 1.3%
EBITDA · FY 2025
₹65 Cr
EBITDA margin 41.9%
Authorised capital
₹30 Cr
Registered with MCA
Paid-up capital
₹23.78 Cr
Issued & subscribed
Open charges
₹303.65 Cr
Satisfied ₹609.8 Cr
Company age
9 yrs
Est. 2017
Employees · EPFO
1,008
Provident fund records

About Sugmya Finance Private Limited

Data last updated:

Sugmya Finance Private Limited is a private limited company based in Delhi, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 28 September 2017 and has been in existence for over 9 years.

The company is registered with the Registrar of Companies (ROC), Delhi, under CIN U65929DL2017PTC324280. Its GSTIN is 07AAZCS2829P1Z9 (Delhi). The company holds 13 GST registrations, of which 12 are active.

The company has an authorised share capital of ₹30 Cr and a paid-up capital of ₹23.78 Cr. It is led by directors including Brajmohan Singh (Whole-Time Director) and Shishir Chandra Mishra.

Its last annual general meeting (AGM) was held on 24 September 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Lgf Plot No. 16 Rishabh Corporate Tower, Karkardooma Community Centre Karkardooma, Delhi, India – 110092.

As per the financials filed for FY 2025, the company reported a revenue of ₹155.04 Cr, a growth of 8% compared to the previous year. For the same year it recorded a net profit of ₹2.01 Cr (net margin 1.3%) and EBITDA of ₹65 Cr (EBITDA margin 41.9%). Revenue has grown at a compounded annual rate (CAGR) of 137% over three years and 119% over five years.

The company has about 1,008 employees on its provident fund (EPFO) records.

The company is associated with 2 brands: CreditBazzar and Sugmya Finance. As per MCA filings, the company has open charges of ₹303.65 Cr and satisfied charges of ₹609.8 Cr on record. Court records list 52 cases involving the company, including 52 filed by the company; 50 cases are pending. The company has 31 deals on record (17 secondary share transfers, 9 funding rounds, 4 rights issues), with disclosed funding of ₹87.95 Cr; the latest was in August 2024. Its 6 peer companies in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 3 smaller; the largest is Unifi Financial Private Limited with revenue of ₹156.57 Cr.

Sugmya Finance Private Limited is registered as a medium enterprise under the Udyam registration framework (Reg. No. UDYAM-DL-02-0050061). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website sufinn.com.

Company details

CIN U65929DL2017PTC324280
Registration Number 324280
Incorporation Date 28 September 2017
ROC Delhi
Listing Status Unlisted
Company Status Active
Date of Last AGM 24 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
MSME Classification Medium
Udyam Registration UDYAM-DL-02-0050061
Key People
Brajmohan Singh Whole-Time Director Shishir Chandra Mishra Director Gaurav Pabby Director

Recognitions & Rankings of Sugmya Finance

MSME (Udyam registered) Ministry of MSME
Category
Medium (2024-25)
Udyam number
UDYAM-DL-02-0050061

Contact details

Sugmya Finance Private Limited's registered office is in Delhi, Delhi. Its website is sufinn.com. Its e-mail address and telephone number are in the company report.

  • Email
  • Telephone
  • Website
    sufinn.com
  • Social Media
  • Registered Address
    Lgf Plot No. 16 Rishabh Corporate Tower, Karkardooma Community Centre Karkardooma, Delhi, India – 110092
  • Industry
    Financial Services, NBFC, Investment & Credit NBFC

To see the full contact details of Sugmya Finance Private Limited, buy the company report.

Comprehensive company report
Sugmya Finance 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
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Brands

Sugmya Finance operates two associated brands: CreditBazzar and Sugmya Finance. Each brand links to its own profile.

BrandDescriptionWebsite
CreditBazzar
Short-term personal loans are provided via an online platform.creditbazzar.com
Sugmya Finance
Provider of financial solutions empowering marginal and MSME entrepreneurssufinn.com

Business activity

The main business activity of Sugmya Finance is financial and insurance service. In detail, this covers other financial activities.

Main activity group codeMain activityBusiness activity codeBusiness activityShare of turnover
KFinancial and insurance ServiceK8Other financial activities

To see the full business activity and turnover split of Sugmya Finance Private Limited, buy the company report.

Financials of Sugmya Finance Private Limited

FY 2025 filings available

Sugmya Finance Private Limited reported revenue of ₹155.04 Cr (up 8% YoY) for FY 2025.

Revenue · FY 2025
₹155.04 Cr ▲ 8%
Net profit · FY 2025
₹2.01 Cr margin 1.3%
EBITDA · FY 2025
₹65 Cr margin 41.9%

Compounded Annual Growth Rate (CAGR)

Revenue CAGR growth
1 year
▲ 8%
3 years · compounded
▲ 137%
5 years · compounded
▲ 119%
EBITDA CAGR growth
1 year
▼ 26%
3 years · compounded
▲ 114%
5 years · compounded
▲ 266%

Revenue has grown at a compounded annual rate (CAGR) of 119% over five years, including 8% growth in the latest year. EBITDA fell 26% 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

MetricsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 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₹65 Cr
Profit Before Tax
Tax Expense
Net Profit (PAT)₹2.01 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

MetricsFY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Profitability
EBITDA Margin41.9%
Net Profit Margin1.3%
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 Sugmya Finance Private Limited, buy the company report.

Board of directors of Sugmya Finance Private Limited

Sugmya Finance has 7 current directors and 1 former director. Current directors are listed first, with their designation and appointment date.

Current Directors
NameDesignationAppointment DateTenureStatus
Shishir Chandra MishraDirector28 Apr 20224 Years 6 MonthsCurrent
Gaurav Pabby
Also directs: Vi-Can Immigration Consultants Private Limited
Director28 Sep 20179 Years 1 MonthsCurrent
Brajmohan Singh
Also directs: Vaidik Venture Private Limited, Sugmya Foundation
Whole-Time Director28 Sep 20179 Years 1 MonthsCurrent
Vikas Singh
Also directs: Sugmya Foundation
Director02 Nov 20206 Years 0 MonthsCurrent
Prem Singh Hooda
Also directs: Aayushya Foundation
Director05 Jun 20251 Years 5 MonthsCurrent
Raji Thekedathumadam Subramani Gain
Also directs: Save Microfinance Private Limited, Samavesh Finserve Private Limited
Director01 Jul 20242 Years 4 MonthsCurrent
Showing 6 of 7 current directors. View all directors

Peer comparison

Sugmya Finance Private Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.

CompanyRevenueNet profitMarginGrowth (1 yr)EmployeesLocation
Unifi Financial Private Limited₹156.57 Cr (FY 2023)-2.0%Chennai, Tamil Nadu, India
Grow Money Capital Private Limited₹155.78 Cr (FY 2025)10.0%New Delhi, Delhi, India
Udayachal Viniyog Pvt Ltd₹155.08 Cr (FY 2025)-14.0%Kolkata, West Bengal, India
Sugmya Finance Private Limitedthis company₹155.04 Cr (FY 2025)₹2.01 Cr1.3%8.0%1,008Delhi, India
SRG Housing Finance Limited₹154.55 Cr (FY 2025)22.0%Udaipur, Rajasthan, India
Idfc Limited₹154.24 Cr (FY 2023)70.0%Chennai, Tamil Nadu, India
Standard Chartered Capital Limited₹153.17 Cr (FY 2019)-15.0%Mumbai, Maharashtra, India

To see the full peer comparison of Sugmya Finance Private Limited, buy the company report.

Auditor

Sugmya Finance Private Limited is audited by Thakur Vaidyanath Aiyar & Co for the financial year 2023.

Auditor firmFinancial yearFirm registration number
Thakur Vaidyanath Aiyar & CoFY 2023000038N

Shareholding

The shareholding of Sugmya Finance Private 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 categoryFY 2023FY 2022FY 2021FY 2020FY 2019
Promoters
Domestic institutional investors (DII)
Foreign institutional investors (FII)
Public
Others

To see the full shareholding pattern of Sugmya Finance Private Limited, buy the company report.

Charges & borrowings

Open charges
₹303.65 Cr
Satisfied charges
₹609.8 Cr
Breakdown by lending institutions
Others₹278.65 Cr
Indian Overseas Bank₹25.00 Cr
Latest charge details
DateCharge IDLenderAmountStatusModified or satisfied on
24 Nov 2025101194241Others₹1 CrOpen
15 Sep 2025101177365Others₹95 LakhOpen
31 Aug 2025101149039Others₹1 CrOpen
20 Aug 2025101148586Others₹50 LakhOpen
05 Aug 2025101152642Others₹10 CrOpen

To see the full charge records of Sugmya Finance Private Limited, buy the company report.

Total charge records: 178 View all charges

Deals & funding

Sugmya Finance Private Limited has 31 deals on record (17 secondary share transfers, 9 funding rounds, 4 rights issues), with disclosed funding of ₹87.95 Cr; the latest was in August 2024.

Total deals
31
Secondary share transfers
17
Funding rounds
9
Rights issues
4
Debt financing
1
Disclosed funding
₹87.95 Cr

Deals on record (5 of 31)

WhenDealAmountParties
Mar 2024Secondary share transferUndisclosedBuyer: Deepa Bagla Financial Consultants Private Limited
Seller: an individual
Mar 2024Funding round₹24 CrInvestors: Pms Venture, 3 individuals
Jul 2023Funding round₹13.5 CrInvestors: Shri Sookt Financial Services Private Limited , Angelbay Holdings Private Limited , 2 individuals
Mar 2023Secondary share transferUndisclosedBuyer: Deltacoin Financial Services Private Limited , 3 individuals
Seller: 2 individuals
Dec 2022Funding round₹7.5 CrInvestors: Angelbay Holdings Private Limited , 3 individuals

To see the full deal history of Sugmya Finance Private Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

Credit ratings & regulatory alerts

Sugmya Finance Private Limited was last rated by Care on 21 Sep 2022.

Rating agencyRated onRating
Care21 Sep 2022

To see the full credit ratings and regulatory alerts of Sugmya Finance Private Limited, buy the company report.

MSME payment delays

No delayed payments to MSME suppliers are on our record for Sugmya Finance Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.

Employees & EPFO

Sugmya Finance Private Limited has a workforce of 1,008 employees on its EPFO records as of Mar 30, 2024, across 1 active EPFO establishment.

Employee count
1,008
Active EPFO establishments
1
Employee growth
144.66%

GST

Sugmya Finance has 13 GST registrations: 12 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.

Total GSTINs
13
Active
12
Cancelled / inactive
1
GSTINStateStatusRegistered on
07AAZCS2829P1Z9DelhiActive20 Feb 2019
23AAZCS2829P1ZFMadhya PradeshActive07 Aug 2020
10AAZCS2829P1ZMBiharActive27 Jan 2022
08AAZCS2829P1Z7RajasthanActive06 Jul 2022

To see the full GST registrations and return filing status of Sugmya Finance Private Limited, buy the company report.

Recent activity

Sugmya Finance Private Limited has 7 board changes on record since 2017: 7 appointments. The latest: Prem Singh Hooda was appointed as Director on 05 Jun 2025.

Charges
A charge registered on 06 Feb 2024 via Charge ID 100867819 with Others was fully satisfied on 02 Jan 2026.
Charges
A charge registered on 27 Sep 2024 via Charge ID 100992179 with Others was fully satisfied on 18 Dec 2025.
Charges
A charge registered on 31 Aug 2024 via Charge ID 100977814 with Others was fully satisfied on 11 Dec 2025.
Charges
A charge registered on 23 Nov 2023 via Charge ID 100830852 with Others was fully satisfied on 04 Dec 2025.
Charges
A charge registered on 27 Feb 2024 via Charge ID 100882468 with Others was fully satisfied on 25 Nov 2025.
Charges
A charge with Others amounted to Rs. 1.00 Cr with Charge ID 101194241 was registered on 24 Nov 2025.
Charges
A charge registered on 21 Mar 2024 via Charge ID 100890910 with Others was fully satisfied on 19 Nov 2025.
Charges
A charge registered on 12 Nov 2024 via Charge ID 101007258 with Others was fully satisfied on 23 Oct 2025.
Charges
A charge registered on 27 Mar 2024 via Charge ID 100904371 with Others was fully satisfied on 14 Oct 2025.
Charges
A charge registered on 18 Aug 2023 via Charge ID 100777376 with Others was fully satisfied on 10 Oct 2025.
Charges
A charge registered on 20 Feb 2024 via Charge ID 100871808 with Others was fully satisfied on 09 Oct 2025.
Charges
A charge registered on 29 Mar 2024 via Charge ID 100901225 with Others was fully satisfied on 08 Oct 2025.

310 earlier events are in the company report.

News

Frequently asked questions

Sugmya Finance is an active private limited company based in Delhi, India. The company works in nbfc, within the financial services industry. It was incorporated on 28 September 2017 (9+ years old) and is registered under CIN U65929DL2017PTC324280.

Sugmya Finance has 7 current directors:

The latest financial statements of Sugmya Finance on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 24 September 2025. Year-wise statements from FY 2018 are in the company report.

The GSTIN of Sugmya Finance is 07AAZCS2829P1Z9, registered in Delhi. The company has 13 GST registrations in all, of which 12 are active and 1 is cancelled or inactive. Other active GSTINs include 23AAZCS2829P1ZF (Madhya Pradesh), 10AAZCS2829P1ZM (Bihar), 08AAZCS2829P1Z7 (Rajasthan).

The CIN (Corporate Identification Number) of Sugmya Finance is U65929DL2017PTC324280. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Sugmya Finance has 52 court cases on record: 52 filed by the company. 50 are pending.

Sugmya Finance was incorporated on 28 September 2017, making it 9+ years old. It is registered with the Registrar of Companies, Delhi.

Sugmya Finance has 31 deals on record (17 secondary share transfers, 9 funding rounds, 4 rights issues), with disclosed funding of ₹87.95 Cr; the latest was in August 2024.

The peers of Sugmya Finance by revenue are Unifi Financial Private Limited, Grow Money Capital Private Limited, Udayachal Viniyog Pvt Ltd, SRG Housing Finance Limited, Idfc Limited and 1 more, all in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).

Prem Singh Hooda was appointed as Director on 05 Jun 2025. Narinder Singh was appointed as Director on 01 Jul 2024. Raji Thekedathumadam Subramani Gain was appointed as Director on 01 Jul 2024. Sugmya Finance has 7 board changes on record in total.

Yes, Sugmya Finance is registered as a medium enterprise under Udyam registration (number: UDYAM-DL-02-0050061).