Svatantra Microfin Private Limited

Svatantra Microfin Private Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials and compliance.
CIN U74120MH2012PTC227069 Incorporated 17 February 2012 ROC Mumbai HQ Mumbai, Maharashtra, India
Active Private Limited Company financial services
Data last updated
Revenue · FY 2025
₹3,206.75 Cr
▲ 44.00% YoY
EBITDA · FY 2025
*****
▲ 104.00% YoY
Net profit · FY 2025
*****
▲ 118.00% YoY
Authorised capital
₹10,055 Cr
Registered with MCA
Paid-up capital
₹626.89 Cr
Issued & subscribed
Open charges
₹17,427 Cr
Satisfied ₹1,876.27 Cr
Company age
14 yrs
Est. 2012
Employees · EPFO
10,779
Latest available

About Svatantra Microfin Private Limited

Data last updated: 26 February 2026

Svatantra Microfin Private Limited is a private limited company based in Mumbai, Maharashtra, India. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 17 February 2012, the company has been in operation for over 14 years.

Registered with ROC Mumbai under CIN U74120MH2012PTC227069.

Capital: an authorised share capital of ₹10,055 Cr and a paid-up capital of ₹626.89 Cr. It is led by directors including Gagan Lalit Mohan Joshi and Vineet Bijendra Chattree.

Last AGM: 30 September 2025. Financial statements filed for year ended 31 March 2025. Office: 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.

The company has a workforce of approximately 10,779 employees as per the latest available data.

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.

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.

Company Details of Svatantra Microfin Private Limited
CIN U74120MH2012PTC227069
Registration Number 227069
Incorporation Date 17 February 2012
ROC Mumbai
Listing Status Unlisted
Company Status Active
Date of Last AGM 30 September 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
Key People
Vineet Bijendra Chattree Managing Director Gagan Lalit Mohan Joshi Director Shweta Jalan Director
Contact Details
  • Email
    *****@*****.com
  • Telephone
    +91-****-******
  • Website
    svatantramicrofin.com
  • Social Media
  • Registered Address
    Sunshine Tower Level 20 Senapati Bapat Marg Elphinstone Road, Mumbai, Maharashtra, India – 400013
  • Industry
    Financial Services, Microfinance Institutions, NBFC
Company report
Svatantra Microfin Private Limited - full intelligence report
  • Historical Financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Litigation, compliance and MCA filings
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Financials, compliance, directors, charges, ownership and filings for Svatantra Microfin Private Limited in one report.

10-year financials Directors & ownership Charges & compliance

Associated Brands with Svatantra Microfin Private Limited

Svatantra Microfin Private Limited operates one associated brand: Svatantra Microfinance. These brands represent Svatantra Microfin Private Limited's diversified market presence and brand portfolio.

Brand Description Website
Svatantra Microfinance
Microcredit services are provided to rural women for financial inclusion. svatantramicrofin.com

Competitors & Alternatives of Svatantra Microfin Private Limited

Brands and companies operating in the same space as Svatantra Microfin Private Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.

Competitor Description Location Founded
AU Small Finance Bank AU Small Finance Bank Collateralised loans for commercial vehicles are extended to rural entrepreneurs. Jaipur, India, India 1996
Ujjivan Small Finance Bank Ujjivan Small Finance Bank Small finance services are extended to underserved segments in India. Bengaluru, India, India 2005
ESAF ESAF Microfinance banking services are offered in India by ESAF. Thrissur, India, India 1992
Jana Small Finance Bank Jana Small Finance Bank Microfinance bank Bengaluru, India, India 1999
Suryoday Suryoday Small finance bank offering savings accounts, deposits, and loan products Mumbai, India, India 2008
Equitas Small Finance Bank Equitas Small Finance Bank Small finance bank Chennai, India, India 2007
Utkarsh Bank Utkarsh Bank Small finance bank Varanasi, India, India 2009
Capital Small Finance Bank Capital Small Finance Bank Microfinance services including savings accounts and loans are provided. Jalandhar, India, India 2016
Fincare Small Finance Bank Fincare Small Finance Bank Micro-finance bank Bengaluru, India, India 2007
Spandana Sphoorty Financial Spandana Sphoorty Financial Microfinance loans are extended to low-income households for various needs. Hyderabad, India, India 2003

Business Activity of Svatantra Microfin Private Limited

Svatantra Microfin Private Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including 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 *********

Auditor Details of Svatantra Microfin Private Limited

Svatantra Microfin Private Limited is audited by Suresh Surana & Associates LLP for the financial year 2020. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.

Name Status Appointment Date Cessation Date
Suresh Surana & Associates LLP blur-value blur-value blur-value

Board of Directors of Svatantra Microfin Private Limited

Svatantra Microfin Private Limited is currently managed by 11 directors, with 8 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
Name Designation Appointment Date Tenure Status
Gagan Lalit Mohan Joshi
Also directs: Krazybee Services Limited, Finnovation Tech Solutions Private Limited
Director 31 Oct 2024 1 Years 8 Months Current
Vineet Bijendra Chattree
Also directs: Chaitanya India Fin Credit Private Limited
Managing Director 10 Oct 2017 8 Years 9 Months Current
Shweta Jalan
Also directs: Modenik Lifestyle Private Limited
Director 31 Oct 2024 1 Years 8 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 4 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 8 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 3 Months Current
Showing 6 of 11 current directors. View all directors

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. Profit growth despite declining revenue indicates effective cost management and margin discipline.

Revenue
₹3,206.75 Cr ▲ 44%
Profit
***** ▲ 118%
EBITDA
***** ▲ 104%
Metrics
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Revenue
Revenue from Operations
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Revenue Growth %
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Other Income
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Total Revenue
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Expenses
Total Expenses
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Raw Material Cost
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Change in Inventory FG
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Change in Inventory WIP
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Purchase of Traded Goods
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Employee Cost
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Managerial Remuneration
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Audit Fees
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Insurance
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Power & Fuel
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Interest
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Depreciation
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Other Expenses
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Profitability
EBITDA (Operating Profit)
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Operating Margin %
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Exceptional Items
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Extraordinary Items
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Profit Before Exceptional & Extraordinary Items
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Profit Before Tax
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Tax & Net Profit
Tax Expense
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Current Tax
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Deferred Tax
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Profit from Discontinued Operations
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Tax on Discontinued Operations
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Profit
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Net Margin %
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Metrics
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Shareholders' Funds
Total Shareholders' Funds
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Equity Capital
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Reserves & Surplus
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Money Against Warrants
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Other Equity
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Non-Current Liabilities
Total Non-Current Liabilities
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Long-Term Borrowings
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Deferred Tax Liabilities
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Other Non-Current Liabilities
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Long-Term Provisions
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Current Liabilities
Total Current Liabilities
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Short-Term Borrowings
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Trade Payables
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Other Current Liabilities
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Short-Term Provisions
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Total Equity & Liabilities
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Non-Current Assets
Non-Current Assets
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Tangible Assets
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Intangible Assets
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Capital WIP
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Intangibles Under Dev
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Investments
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Deferred Tax Assets
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LT Loans & Advances
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Other Non-Current Assets
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Current Assets
Current Assets
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Current Investments
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Inventories
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Trade Receivables
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Cash & Bank Balance
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ST Loans & Advances
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Other Current Assets
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Total Assets
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Metrics
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Cash from Operating Activities (CFO)
Profit Before Tax
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Non-Cash Adjustments
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+ Interest Expense
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+ Depreciation
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+/- Unrealized Forex
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- Dividend Income
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- Interest Income
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+/- Other Non-Cash Items
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Changes in Working Capital
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+/- Inventory
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+/- Debtors
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+/- Creditors
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Reconciliation Adjustments
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Cash Generated from Operations
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Income Taxes Paid
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Net CFO (Cash from Operations)
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Cash from Investing Activities (CFI)
Acquisitions & Disposals
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Disposal of Subsidiaries
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Acquisition of Subsidiaries
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Capex
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Purchase of Fixed Assets
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Sale of Fixed Assets
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Other Investing Cash Flows
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Net CFI (Cash from Investing)
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Cash from Financing Activities (CFF)
Equity Issuance
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Debt Raised
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Debt Repaid
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Dividends Paid
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Interest Paid
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Net CFF (Cash from Financing)
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Net Cash Position
Net Change in Cash (Pre-Forex)
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Closing Cash & Equivalents
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Metrics
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Liquidity
Current Ratio
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Quick Ratio
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Cash Ratio
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Efficiency
Inventory Days
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Debtor Days
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Creditor Days
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Cash Conversion Cycle
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Asset Turnover
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Profitability
Net Profit Margin %
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Operating Margin %
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ROE %
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ROCE %
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Net Worth Margin %
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Growth
Revenue Growth %
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Leverage
Equity Multiplier
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Debt / EBITDA
*****
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Solvency
D/E Ratio
*****
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ICR
*****
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Consolidated Statements

Income Statement, Balance Sheet, Cash Flow & Ratios available in the full report.

Unlock Complete Financial History (FY 2015 – Latest)
Standalone & Consolidated - Income Statement, Balance Sheet, Cash Flow, Financial Ratios and Growth Trends with 10+ years of line-item data.
10+ years of data Line-item breakdown Balance Sheet detail Cash Flow analysis 20+ ratios & metrics Downloadable PDF

Shareholding Pattern of Svatantra Microfin Private Limited

As of FY 2020, Svatantra Microfin Private Limited's shareholding pattern shows 100.00% by promoters. The promoters hold a majority stake, indicating strong promoter control.

2025
YEAR
38.19% Promoters
25.22% DII (Domestic Institutional)
10.28% FII (Foreign Institutional)
25.89% Public
2.42% Others
Shareholding Trend
Year 2025
Promoters 33.19%
DII 23.22%
FII 18.28%
Public 22.89%
Others 2.42%

Charges & Borrowings of Svatantra Microfin Private Limited

Open charges
₹17,427 Cr
Satisfied charges
₹1,876.27 Cr
Breakdown by lending institutions
Others₹16,351.95 Cr
Sidbi₹1,075.00 Cr
Hdfc Bank Limited₹0.25 Cr
Yes Bank Limited₹0.10 Cr
Latest charge details
DateLenderAmountStatus
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

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 count
10,779
Active EPFO establishments
1
Employee growth
28.26%
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Employee Count & EPFO Data of Svatantra Microfin Private Limited

Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.

Monthly employee headcount & PF contributions
EPFO establishment details & ECR filing status
Year-wise workforce analytics & attrition trends
PF exemption, coverage & compliance verification

GST Compliance of Svatantra Microfin Private Limited

XX%
Compliant
GSTR-1
GSTR-3B
GSTR-9
MH
KA
UP
TN
TS

GSTIN & GST Filing Data of Svatantra Microfin Private Limited

Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.

GSTIN registrations & state-wise presence
Filing compliance - GSTR-1, GSTR-3B, GSTR-9
HSN/SAC codes with goods & services details
Taxpayer type, jurisdiction & business constitution

Credit Ratings, Litigation & Regulatory Alerts for Svatantra Microfin Private Limited

Credit rating
AAA
AA+
AA
AA-
! !
2015 2017 2019 2021 2023
Litigation
District Court 35
High Court 45
Supreme Court 0
NCLT / NCLAT 0
Pending
Disposed
Regulatory alerts
GSTIN Cancelled
Andhra Pradesh
GSTIN Cancelled
Telangana (on application)
EPFO Delay
12 months delay - Haryana
Violations via Directors
20 MCA + 19 Bank defaults

Credit Ratings, Legal Cases & Regulatory Alerts of Svatantra Microfin Private Limited

Access complete credit rating history, litigation records, regulatory alerts, and compliance data.

Credit rating history across CARE, ICRA, Brickwork & India Ratings
Instrument-wise ratings, outlook & action timeline
Court-wise litigation (District, High Court, Supreme Court, NCLT)
Group company & common directorship litigation
Statutory compliance alerts (GSTIN, EPFO, ROC)
Director & company violations (MCA, SEBI, Banks, BSE/NSE)

MSME Payment Delays by Svatantra Microfin Private Limited

MSME Payment Delays by Svatantra Microfin Private Limited

Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.

Amounts outstanding to MSME suppliers
Delay periods & reasons for delayed payments
Half-yearly MSME-1 filing history
Vendor-payment behaviour as a counterparty risk signal

Subsidiaries & Group Companies of Svatantra Microfin Private Limited

Subsidiaries & Group Companies of Svatantra Microfin Private Limited

See the full corporate group - holding company, subsidiaries, associates and joint ventures of Svatantra Microfin Private Limited with ownership details.

Holding & parent company details
Subsidiaries & step-down subsidiaries with % holding
Associates & joint ventures with partner details
Investments in other entities year-on-year

MCA Filings & Documents of Svatantra Microfin Private Limited

MCA Filings & Documents of Svatantra Microfin Private Limited

Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.

Incorporation documents, MoA & AoA
Annual returns (MGT-7) & financial statements (AOC-4)
Charge filings (CHG-1, CHG-4) & resolutions
Complete document index with filing dates

Recent Activity on Svatantra Microfin Private Limited

Charges
20 Jan 2026
A charge with Hdfc Bank Limited amounted to Rs. 0.25 Cr with Charge ID 101232647 was registered on 20 Jan 2026.
Charges
20 Jan 2026
A charge registered on 07 Feb 2023 via Charge ID 100676629 with Others was fully satisfied on 20 Jan 2026.
Charges
19 Jan 2026
A charge registered on 05 Jan 2023 via Charge ID 100660426 with Sidbi was fully satisfied on 19 Jan 2026.
Activity
30 Sep 2025
Svatantra Microfin Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Charges
26 Sep 2025
A charge with Sidbi amounted to Rs. 325.00 Cr with Charge ID 101165089 was registered on 26 Sep 2025.
Charges
21 Apr 2025
A charge with Others amounted to Rs. 0.09 Cr with Charge ID 101093424 was registered on 21 Apr 2025.

Recent News on Svatantra Microfin Private Limited

Frequently Asked Questions about Svatantra Microfin Private Limited

Svatantra Microfin Private Limited is an active private limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 17 February 2012 (14+ years old) and is registered under CIN U74120MH2012PTC227069. The company has 10,779 employees.

Svatantra Microfin Private Limited reported revenue of ₹3,206.75 Cr for FY 2025 (up 44.00% YoY).

The current directors of Svatantra Microfin Private Limited are:

The primary industry of Svatantra Microfin Private Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.

Svatantra Microfin Private Limited can be reached at the registered office: Sunshine Tower Level 20 Senapati Bapat Marg Elphinstone Road, Mumbai, Maharashtra, India – 400013, or through the website svatantramicrofin.com.

The authorised capital is ₹10,055 Cr, and the paid-up capital is ₹626.89 Cr.

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Financials, directors, compliance, charges and shareholding - sourced from MCA, SEBI and RBI filings.

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