About Svatantra Microfin Private Limited
Data last updated:
Svatantra Microfin Private Limited is a private limited company based in Mumbai, Maharashtra, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 17 February 2012 and has been in existence for over 14 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U74120MH2012PTC227069. Its GSTIN is 27AARCS0730K1Z1 (Maharashtra). The company holds 26 GST registrations, of which 22 are active.
The company has an authorised share capital of ₹10,055 Cr and a paid-up capital of ₹626.89 Cr. It is led by directors including Vineet Bijendra Chattree (Managing Director) and Gagan Lalit Mohan Joshi.
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 Sunshine Tower Level 20 Senapati Bapat Marg Elphinstone Road, Mumbai, Maharashtra, India – 400013.
As per the financials filed for FY 2025, the company reported a revenue of ₹3,206.75 Cr, a growth of 44% compared to the previous year. For the same year it recorded a net profit of ₹36.32 Cr (net margin 1.1%) and EBITDA of ₹1,657.25 Cr (EBITDA margin 51.7%). Revenue has grown at a compounded annual rate (CAGR) of 57% over three years and 55% over five years.
The company has about 10,779 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Svatantra Microfinance. As per MCA filings, the company has open charges of ₹17,427 Cr and satisfied charges of ₹1,876.27 Cr on record. Court records list 4 cases involving the company, including 2 filed by the company and 1 filed against it; 3 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website svatantramicrofin.com.
- EmailLocked
- TelephoneLocked
- Website
- Social Media
- Registered AddressSunshine Tower Level 20 Senapati Bapat Marg Elphinstone Road, Mumbai, Maharashtra, India – 400013
- 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 Svatantra Microfin Private Limited
The main business activity of Svatantra Microfin 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 Svatantra Microfin Private Limited FY 2025 filings available
Svatantra Microfin Private Limited reported revenue of ₹3,206.75 Cr (up 44% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR) of Svatantra Microfin Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 55% over five years, including 44% growth in the latest year. EBITDA rose 104% 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 Svatantra Microfin 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 | •••• | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• | •••• |
| EBITDA | ₹1,657.25 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹36.32 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 Svatantra Microfin Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 51.7% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 1.1% | •••• | •••• | •••• | •••• |
| 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 Svatantra Microfin 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 Svatantra Microfin Private Limited
Svatantra Microfin Private Limited is compared with the companies closest to it by revenue in the same principal business activity (Other financial activities). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Capri Global Capital Limited Listed | ₹3,250.84 Cr (FY 2025) | •••• | •••• | 40.0% | •••• | Mumbai, Maharashtra, India |
| BSE Limited Listed | ₹3,236.31 Cr (FY 2025) | •••• | •••• | 103.0% | •••• | Mumbai, Maharashtra, India |
| Hitachi Payment Services Private Limited | ₹3,215.75 Cr (FY 2025) | •••• | •••• | 20.0% | •••• | Chennai, Tamil Nadu, India |
| Aakaaish Investments Private Limited | ₹3,211.66 Cr (FY 2025) | •••• | •••• | 16.0% | •••• | Faridabad, Haryana, India |
| Jump Trading Financial India Private Limited | ₹3,210.7 Cr (FY 2025) | •••• | •••• | 25.0% | •••• | Gandhinagar, Gujarat, India |
| Svatantra Microfin Private Limited this company | ₹3,206.75 Cr (FY 2025) | •••• | •••• | 44.0% | •••• | Mumbai, Maharashtra, India |
| Itzcash Payment Solutions Limited | ₹3,165.88 Cr (FY 2021) | •••• | •••• | 756.0% | •••• | Mumbai, Maharashtra, India |
| Edelweiss Business Services Limited | ₹3,157.72 Cr (FY 2024) | •••• | •••• | 42.0% | •••• | Mumbai, Maharashtra, India |
| Tamilnadu Power Finance and Infrastructure Development Corporation Limited | ₹3,035.58 Cr (FY 2019) | •••• | •••• | 15.0% | •••• | Chennai, Tamil Nadu, India |
| Gujarat State Financial Services Ltd | ₹3,025.69 Cr (FY 2019) | •••• | •••• | 37.0% | •••• | Ahmedabad, Gujarat, India |
| Emerald Company Private Limited | ₹3,023.84 Cr (FY 2025) | •••• | •••• | -8.0% | •••• | Kolkata, West Bengal, India |
Peers are the five companies nearest above and the five nearest below Svatantra Microfin by revenue in the same principal business activity (Other financial activities), 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 Svatantra Microfin Private Limited
Svatantra Microfin Private Limited is audited by Suresh Surana & Associates LLP for the financial year 2020.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Suresh Surana & Associates LLP | 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 Svatantra Microfin Private Limited
Svatantra Microfin has 9 current directors and 8 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Gagan Lalit Mohan Joshi | Director | 31 Oct 2024 | 1 Years 11 Months | Current |
| Vineet Bijendra Chattree Also directs: Chaitanya India Fin Credit Private Limited | Managing Director | 10 Oct 2017 | 9 Years 0 Months | Current |
| Shweta Jalan | Director | 31 Oct 2024 | 1 Years 11 Months | Current |
| Neerja Birla Also directs: Aditya Birla New Age Hospitality Private Limited, Mananam Foundation, Birla Cosmetics Private Limited and 5 more | Director | 17 Feb 2012 | 14 Years 7 Months | Current |
| Renuka Ramnath Also directs: Multiples Private Equity Fund II LLP, Shri Nath G Corporate Management Services LLP, Maam Advisor IV LLP and 5 more | Director | 31 Oct 2024 | 1 Years 11 Months | Current |
| Meena Jagtiani Also directs: Chaitanya India Fin Credit Private Limited, Accelya Solutions India Limited, Sheela Foam Limited and 2 more | Director | 28 Mar 2022 | 4 Years 6 Months | Current |
Ownership and Shareholding of Svatantra Microfin 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 Svatantra Microfin Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 20 Jan 2026 | Hdfc Bank Limited | ₹25 Lakh | Open |
| 26 Sep 2025 | Sidbi | ₹325 Cr | Open |
| 21 Apr 2025 | Others | ₹9 Lakh | Open |
| 19 Mar 2025 | Others | ₹30 Cr | Open |
| 10 Mar 2025 | Yes Bank Limited | ₹10 Lakh | Open |
Total charge records: 38 View all charges
Legal Cases of Svatantra Microfin Private Limited
Svatantra Microfin Private Limited has 4 court cases on record: 2 filed by Svatantra Microfin, 1 filed against it, 1 where it is another party. 3 cases are pending and 1 is disposed. Status as checked between 21 Sep 2026 and 03 Oct 2026.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 2 | 0 | 2 |
| District courts | 2 | 1 | 1 |
Cases on record (4 of 4)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, North Twenty Four Parganas, West Bengal | Civil suit | Company is another party | Pending |
| High Court of Rajasthan | Interim or miscellaneous application | Filed by the company against Laxmi India Finlease Cap Private Limited | Pending |
| High Court of Rajasthan | Writ petition | Filed by the company against Laxmi India Finlease Cap Private Limited | Pending |
| District court, Fatehabad, Haryana | Civil suit | Filed against the company by an individual | Disposed |
Full case history
All 4 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 Svatantra Microfin Private Limited
Svatantra Microfin operates one associated brand: Svatantra Microfinance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Microcredit services are provided to rural women for financial inclusion. | svatantramicrofin.com |
Employees and EPFO Compliance at Svatantra Microfin Private Limited
Svatantra Microfin Private Limited has a workforce of 10,779 employees as of Jan 06, 2025.
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.
CIN History of Svatantra Microfin Private Limited
Svatantra Microfin has one previous CIN (Corporate Identification Number): U74120MH2012PLC227069. The current CIN is U74120MH2012PTC227069, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U74120MH2012PTC227069 | Current |
| U74120MH2012PLC227069 | Previous |
News related to Svatantra Microfin Private Limited
Recent Activity on Svatantra Microfin Private Limited
Svatantra Microfin Private Limited has 16 board changes on record since 2012: 9 appointments and 7 cessations. The latest: Gagan Lalit Mohan Joshi was appointed as Director on 31 Oct 2024.
77 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Svatantra Microfin 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 Svatantra Microfin 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 Svatantra Microfin 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 Svatantra Microfin Private Limited
Svatantra Microfin has 26 GST registrations: 22 active and 4 cancelled or inactive. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AARCS0730K1Z1 | Maharashtra | Active | 01 Jul 2017 |
| 27AARCS0730K2Z0 | Maharashtra | Active | 16 Aug 2017 |
| 27AARCS0730K3ZZ | Maharashtra | Active | 21 Sep 2017 |
| 08AARCS0730K1Z1 | Rajasthan | Active | 01 Jul 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 Svatantra Microfin 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 Svatantra Microfin Private Limited
Svatantra Microfin is an active private limited company based in Mumbai, Maharashtra, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 17 February 2012 (14+ years old) and is registered under CIN U74120MH2012PTC227069.
Svatantra Microfin reported revenue of ₹3,206.75 Cr for FY 2025 (up 44% YoY).
Svatantra Microfin has 9 current directors:
- Vineet Bijendra Chattree - Managing Director
- Gagan Lalit Mohan Joshi - Director
- Shweta Jalan - Director
- Neerja Birla - Director
- Renuka Ramnath - Director
- Meena Jagtiani - Director
- Ananyashree Birla - Director
- Kumar Mangalam Birla - Director
- Shankar Girija Natarajan - Director
Svatantra Microfin reported a net profit of ₹36.32 Cr (net margin 1.1%) and EBITDA of ₹1,657.25 Cr (EBITDA margin 51.7%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Svatantra Microfin is 57% over three years and 55% over five years. In the latest year (FY 2025) revenue rose 44%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Svatantra Microfin is 27AARCS0730K1Z1, registered in Maharashtra. The company has 26 GST registrations in all, of which 22 are active and 4 are cancelled or inactive. Other active GSTINs include 27AARCS0730K2Z0 (Maharashtra), 27AARCS0730K3ZZ (Maharashtra), 08AARCS0730K1Z1 (Rajasthan).
The CIN (Corporate Identification Number) of Svatantra Microfin is U74120MH2012PTC227069. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Svatantra Microfin has 4 court cases on record: 2 filed by the company and 1 filed against it. 3 are pending. Most are in the high courts.
Svatantra Microfin was incorporated on 17 February 2012, making it 14+ years old. It is registered with the Registrar of Companies, Mumbai.
The peers of Svatantra Microfin by revenue are Capri Global Capital Limited, BSE Limited, Hitachi Payment Services Private Limited, Aakaaish Investments Private Limited, Jump Trading Financial India Private Limited and 5 more, all in the same principal business activity (Other financial activities).
Gagan Lalit Mohan Joshi was appointed as Director on 31 Oct 2024. Gagan Lalit Mohan Joshi ceased to be Additional Director on 31 Oct 2024. Renuka Ramnath was appointed as Director on 31 Oct 2024. Svatantra Microfin has 16 board changes on record in total.