About Svasti Microfinance Private Limited
Data last updated:
Svasti Microfinance Private Limited is a private limited company based in Chennai, Tamil Nadu, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 23 February 1995 and has been in existence for over 31 years.
The company is registered with the Registrar of Companies (ROC), Chennai, under CIN U65922TN1995PTC030293. Its GSTIN is 33AAACE2124L2Z0 (Tamil Nadu). The company holds 10 GST registrations, of which 9 are active.
The company has an authorised share capital of ₹8.23 Cr and a paid-up capital of ₹5.97 Cr. It was formerly known as Svasti Microfinance Limited and Easy Housing and Finance Limited. It is led by directors including Bhagavathi Narayanan Subramaniam (Whole-Time Director) and Arunkumar Padmanabhan (Whole-Time Director).
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 6 First Floor First Street Tiger Varadachari Road Kalakshetra Colony Besant Nagar, Chennai, Tamil Nadu, India – 600090.
As per the financials filed for FY 2025, the company reported a revenue of ₹252.07 Cr, a decline of 10% compared to the previous year. For the same year it recorded a net loss of ₹21.48 Cr (net margin -8.5%) and EBITDA of ₹82.55 Cr (EBITDA margin 32.8%). Revenue has grown at a compounded annual rate (CAGR) of 39% over three years and 28% over five years.
The company has about 1,990 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Svasti Microfinance. As per MCA filings, the company has open charges of ₹648.06 Cr and satisfied charges of ₹2,185.21 Cr on record. Court records list 106 cases involving the company, including 103 filed by the company; 90 cases are pending. The company has 26 deals on record (13 secondary share transfers, 12 funding rounds, 1 rights issue), with disclosed funding of ₹151.44 Cr; the latest was in January 2026. Its 10 peer companies in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC) are compared by revenue, 5 larger and 5 smaller; the largest is Epimoney Private Limited with revenue of ₹262.9 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 svasti.in.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered Address6 First Floor First Street Tiger Varadachari Road Kalakshetra Colony Besant Nagar, Chennai, Tamil Nadu, India – 600090
- IndustryFinancial Services, Microfinance Institutions, NBFC
- 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 Svasti Microfinance Private Limited
The main business activity of Svasti Microfinance 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 Svasti Microfinance Private Limited FY 2025 filings available
Svasti Microfinance Private Limited reported revenue of ₹252.07 Cr (down 10% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Svasti Microfinance Private Limited
Revenue fell 10% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 28%. EBITDA fell 49% 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 Svasti Microfinance Private Limited
| 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 | ₹252.07 Cr | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹82.55 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | -₹21.48 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 of Svasti Microfinance Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 32.8% | •••• | •••• | •••• | •••• |
| Net Profit Margin | -8.5% | •••• | •••• | •••• | •••• |
| 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 Svasti Microfinance are in the company report.
Financial statements from 2015
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.
Peer Comparison of Svasti Microfinance Private Limited
Svasti Microfinance Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Epimoney Private Limited | ₹262.9 Cr (FY 2024) | •••• | •••• | 140.0% | •••• | Chennai, Tamil Nadu, India |
| Apac Financial Services Private Limited | ₹258.9 Cr (FY 2024) | •••• | •••• | 49.0% | •••• | Mumbai, Maharashtra, India |
| Shri Ram Finance Corporation Private Limited | ₹258.18 Cr (FY 2024) | •••• | •••• | 41.0% | •••• | Raipur, Chhattisgarh, India |
| Hamilton & Company Limited | ₹258.01 Cr (FY 2025) | •••• | •••• | -71.0% | •••• | Mumbai, Maharashtra, India |
| Digamber Capfin Ltd | ₹256.82 Cr (FY 2023) | •••• | •••• | 19.0% | •••• | Jaipur, Rajasthan, India |
| Spotlight Vanijya Ltd | ₹254.4 Cr (FY 2019) | •••• | •••• | 1660.0% | •••• | Kolkata, West Bengal, India |
| Chhatisgarh Investments Limited | ₹252.94 Cr (FY 2025) | •••• | •••• | -41.0% | •••• | Nagpur, Maharashtra, India |
| New Mount Trading & Investment Co Ltd | ₹252.4 Cr (FY 2025) | •••• | •••• | 8.0% | •••• | Kolkata, West Bengal, India |
| Niche Financial Services Private Limited | ₹252.22 Cr (FY 2025) | •••• | •••• | 60.0% | •••• | Mumbai, Maharashtra, India |
| Avanti Finance Private Limited | ₹252.1 Cr (FY 2024) | •••• | •••• | 122.0% | •••• | Bangalore, Karnataka, India |
| Svasti Microfinance Private Limited this company | ₹252.07 Cr (FY 2025) | •••• | •••• | -10.0% | •••• | Chennai, Tamil Nadu, India |
Peers are the five companies nearest above and the five nearest below Svasti Microfinance by revenue in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Svasti Microfinance Private Limited
Svasti Microfinance Private Limited is audited by V. Narayanan & Co. for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| V. Narayanan & Co. | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Svasti Microfinance Private Limited
Svasti Microfinance has 5 current directors and 12 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Bhagavathi Narayanan Subramaniam Also directs: Svasti Financial Services Private Limited, Svasti Foundation | Whole-Time Director | 15 Mar 2010 | 16 Years 6 Months | Current |
| Arunkumar Padmanabhan | Whole-Time Director | 15 Mar 2010 | 16 Years 6 Months | Current |
| Ramanathan Annamalai Also directs: Gilada Finance and Investments Limited, Mangal Credit and Fincorp Limited, Go Dairy Private Limited and 2 more | Director | 06 Nov 2019 | 6 Years 11 Months | Current |
| Jagriti Bhandari Also directs: Sindhuja Microcredit Private Limited | Nominee Director | 10 Dec 2022 | 3 Years 10 Months | Current |
| Jaya Janardanan Also directs: Byld Capital Finance Limited, Krayontek Solutions Private Limited | Director | 10 Jun 2024 | 2 Years 4 Months | Current |
Ownership and Shareholding of Svasti Microfinance Private Limited
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 Svasti Microfinance Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 18 Aug 2026 | Others | ₹30 Cr | Open |
| 01 Aug 2026 | Others | ₹5 Cr | Open |
| 31 Jul 2026 | Others | ₹5 Cr | Open |
| 27 Jul 2026 | Others | ₹25 Cr | Open |
| 01 Jul 2026 | Others | ₹40 Cr | Open |
Total charge records: 294 View all charges
Deals & Funding of Svasti Microfinance Private Limited
Svasti Microfinance Private Limited has 26 deals on record (13 secondary share transfers, 12 funding rounds, 1 rights issue), with disclosed funding of ₹151.44 Cr; the latest was in January 2026.
Deals on record (5 of 26)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Mar 2023 | Funding round | ₹39.5 Cr | Investors: Abler Nordic (Nordic Microfinance Initiative), Ramrod Advisors LLP , 2 individuals |
| Oct 2019 | Funding round | ₹40 Cr | Investors: Abler Nordic (Nordic Microfinance Initiative), Poonawala Family Office, Kayenne Ventures (Fabiani Family Office), an individual |
| Nov 2018 | Secondary share transfer | Undisclosed | Buyer: Sprinters Capital LLP Seller: Kotak Mahindra Investments Limited |
| Feb 2015 | Funding round | ₹5.35 Cr | Investors: Poonawala Family Office, Indovest Holdings Private Limited , an individual |
| Mar 2011 | Secondary share transfer | Undisclosed | Buyer: Indovest Holdings Private Limited Seller: Michael & Susan Dell Foundation, Topsgrup International Security Academy Private Limited |
Full deal history
All 26 deals with amounts, valuations, instruments and every party are in the company report.
- Every funding round and share transfer
- Amounts and valuations
- Investors, buyers and sellers
- Instruments and deal dates
Verified entity values are shown only after access is granted.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal Cases of Svasti Microfinance Private Limited
Svasti Microfinance Private Limited has 106 court cases on record: 103 filed by Svasti Microfinance, 3 where it is another party. 90 cases are pending and 16 are disposed. Status as checked on 21 Sep 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 103 | 0 | 90 |
| High courts | 3 | 0 | 0 |
Cases on record (5 of 106)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Thane, Maharashtra | Civil suit | Filed by the company against an individual | Pending |
| District court, Thane, Maharashtra | Civil suit | Filed by the company against an individual | Pending |
| District court, Thane, Maharashtra | Civil suit | Filed by the company against an individual | Pending |
| District court, Thane, Maharashtra | Civil suit | Filed by the company against an individual | Pending |
| District court, Thane, Maharashtra | Civil suit | Filed by the company against an individual | Pending |
Full case history
All 106 cases with case numbers, court, year-wise trend, opposite parties and decision dates are in the company report.
- Every case with its case number
- Year-wise trend
- Opposite parties
- Decision dates and orders
Verified entity values are shown only after access is granted.
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.
Associated Brands with Svasti Microfinance Private Limited
Svasti Microfinance operates one associated brand: Svasti Microfinance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Microfinance services are extended to urban poor communities. | svasti.in |
Employees and EPFO Compliance at Svasti Microfinance Private Limited
Svasti Microfinance Private Limited has a workforce of 1,990 employees as of Apr 09, 2024.
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.
Name History of Svasti Microfinance Private Limited
Svasti Microfinance has undergone 2 name changes throughout its history. The company was previously known as Svasti Microfinance Limited, and Easy Housing And Finance Limited. The current legal name is Svasti Microfinance Private Limited.
| Company Name | Status |
|---|---|
| Svasti Microfinance Private Limited | Current |
| Svasti Microfinance Limited | Previous |
| Easy Housing And Finance Limited | Previous |
CIN History of Svasti Microfinance Private Limited
Svasti Microfinance has one previous CIN (Corporate Identification Number): U65922TN1995PLC030293. The current CIN is U65922TN1995PTC030293, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65922TN1995PTC030293 | Current |
| U65922TN1995PLC030293 | Previous |
Recent Activity on Svasti Microfinance Private Limited
Svasti Microfinance Private Limited has 29 board changes on record since 1995: 17 appointments and 12 cessations. The latest: Jaya Janardanan was appointed as Director on 10 Jun 2024.
584 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Svasti Microfinance Private Limited
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 Svasti Microfinance Private Limited
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 Svasti Microfinance Private Limited
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 Svasti Microfinance Private Limited
Svasti Microfinance has 10 GST registrations: 9 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 33AAACE2124L2Z0 | Tamil Nadu | Active | 21 Sep 2017 |
| 27AAACE2124L1ZU | Maharashtra | Active | 01 Jul 2017 |
| 23AAACE2124L1Z2 | Madhya Pradesh | Active | 12 Aug 2017 |
| 24AAACE2124L1Z0 | Gujarat | Active | 07 Sep 2017 |
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 Svasti Microfinance Private Limited
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 Svasti Microfinance Private Limited
Svasti Microfinance is an active private limited company based in Chennai, Tamil Nadu, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 23 February 1995 (31+ years old) and is registered under CIN U65922TN1995PTC030293.
Svasti Microfinance reported revenue of ₹252.07 Cr for FY 2025 (down 10% YoY).
Svasti Microfinance has 5 current directors:
- Bhagavathi Narayanan Subramaniam - Whole-Time Director
- Arunkumar Padmanabhan - Whole-Time Director
- Ramanathan Annamalai - Director
- Jagriti Bhandari - Nominee Director
- Jaya Janardanan - Director
Svasti Microfinance reported a net loss of ₹21.48 Cr (net margin -8.5%) and EBITDA of ₹82.55 Cr (EBITDA margin 32.8%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Svasti Microfinance is 39% over three years and 28% over five years. In the latest year (FY 2025) revenue fell 10%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Svasti Microfinance is 33AAACE2124L2Z0, registered in Tamil Nadu. The company has 10 GST registrations in all, of which 9 are active and 1 is cancelled or inactive. Other active GSTINs include 27AAACE2124L1ZU (Maharashtra), 23AAACE2124L1Z2 (Madhya Pradesh), 24AAACE2124L1Z0 (Gujarat).
The CIN (Corporate Identification Number) of Svasti Microfinance is U65922TN1995PTC030293. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Svasti Microfinance has 106 court cases on record: 103 filed by the company. 90 are pending. Most are in the district courts.
Svasti Microfinance was incorporated on 23 February 1995, making it 31+ years old. It is registered with the Registrar of Companies, Chennai.
Svasti Microfinance has 26 deals on record (13 secondary share transfers, 12 funding rounds, 1 rights issue), with disclosed funding of ₹151.44 Cr; the latest was in January 2026.
The peers of Svasti Microfinance by revenue are Epimoney Private Limited, Apac Financial Services Private Limited, Shri Ram Finance Corporation Private Limited, Hamilton & Company Limited, Digamber Capfin Ltd and 5 more, all in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC).