Swaraksha Chit Funds Private Limited
About Swaraksha Chit Funds Private Limited
Data last updated:
Swaraksha Chit Funds Private Limited is a private limited company based in Kozhikode, Kerala, India. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 22 July 2003 and has been in existence for over 23 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL2003PTC016324. The company has 1 GST registration on record, which is no longer active.
The company has an authorised share capital of ₹9.15 Lakh and a paid-up capital of ₹9.11 Lakh. It is led by directors including Sequeira Victorxavier (Managing Director) and Salim Pollayil Sebastian (Managing 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 4/86 Stjosephs Church Compoundkannur Road Nadakavu P O, Kozhikode, Kerala, India – 673001.
As per the financials filed for FY 2024, the company reported a revenue of ₹6.47 Lakh, a decline of 20% compared to the previous year. For the same year it recorded a net profit of ₹2,802 (net margin 0.4%) and EBITDA of ₹12,937 (EBITDA margin 2%). Revenue has grown at a compounded annual rate (CAGR) of 10% over three years and 3% over five years.
Court records list 1 case involving the company, including 1 filed by the company.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Swaraksha Chit Funds Private Limited's registered office is in Kozhikode, Kerala. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered Address4/86 Stjosephs Church Compoundkannur Road Nadakavu P O, Kozhikode, Kerala, India – 673001
- IndustryFinancial Services, Financial Activities
To see the full contact details of Swaraksha Chit Funds Private Limited, buy the company report.
- 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
Business activity
The main business activity of Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited, buy the company report.
Financials of Swaraksha Chit Funds Private Limited
FY 2025 filings availableSwaraksha Chit Funds Private Limited reported revenue of ₹6.47 Lakh (down 20% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR)
Revenue fell 20% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 3%. EBITDA fell 81% 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 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| 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 | ₹12,937 | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹2,802 | ||||
| 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 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 2% | ||||
| Net Profit Margin | 0.4% | ||||
| 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 Swaraksha Chit Funds Private Limited, buy the company report.
Board of directors of Swaraksha Chit Funds Private Limited
Swaraksha Chit Funds has 10 current directors and 7 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Antony Arackel Joseph | Director | 10 Feb 2005 | 21 Years 8 Months | Current |
| Painedath Varghese George | Director | 27 Apr 2017 | 9 Years 5 Months | Current |
| Antoninus Joseph | Director | 27 Dec 2004 | 21 Years 9 Months | Current |
| Sequeira Victorxavier Also directs: Maestro Human Resources Private Limited | Managing Director | 10 Mar 2007 | 19 Years 7 Months | Current |
| Mullassery Varghese Johny | Director | 22 Jul 2003 | 23 Years 3 Months | Current |
| Valiyaparambil Lazar Joseph | Director | 10 Feb 2005 | 21 Years 8 Months | Current |
Peer comparison
Swaraksha Chit Funds Private Limited is compared with the 7 companies closest to it by revenue in the BFSI industry (Chit Funds), 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 |
|---|---|---|---|---|---|---|
| Jagadeeshwar Chit Funds Private Limited | ₹6.59 Lakh (FY 2025) | 0.0% | Warangal, Telangana, India | |||
| Sri Kasireddy Nayana Chit Funds Private Limited | ₹6.58 Lakh (FY 2023) | -9.0% | Kurnool, Andhra Pradesh, India | |||
| Swashakthi Chit Funds Private Limited | ₹6.57 Lakh (FY 2020) | 6.0% | Hanamkonda, Telangana, India | |||
| Anwita Chit Funds Private Limited | ₹6.55 Lakh (FY 2022) | 332.0% | Kamareddy, Telangana, India | |||
| Swaraksha Chit Funds Private Limitedthis company | ₹6.47 Lakh (FY 2024) | ₹2,802 | 0.4% | -20.0% | Kozhikode, Kerala, India | |
| Kanipakam Vinayaka Chit Funds Chittoor Private Limited | ₹6.45 Lakh (FY 2021) | -67.0% | Chittoor, Andhra Pradesh, India | |||
| Neelakanta Chit Funds Private Limited | ₹6.2 Lakh (FY 2021) | 1030.0% | Jammikunta, Karimnagar, Telangana, India | |||
| Jaya Chelve Chit Funds Private Limited | ₹6.16 Lakh (FY 2025) | -20.0% | Madurai, Tamil Nadu, India |
To see the full peer comparison of Swaraksha Chit Funds Private Limited, buy the company report.
Auditor
Swaraksha Chit Funds Private Limited is audited by SANDHYA BHASKAR for the financial year 2017.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| SANDHYA BHASKAR | FY 2017 | 206773 |
Shareholding
The shareholding of Swaraksha Chit Funds Private Limited is on record for 2 financial years, the latest being FY 2017, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2017 | FY 2016 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of Swaraksha Chit Funds Private Limited, buy the company report.
Legal cases
Swaraksha Chit Funds Private Limited has 1 court case on record: 1 filed by Swaraksha Chit Funds. All case is disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Kozhikode, Kerala | Court case (Crl.RP) | Filed by the company against individuals | Disposed |
To see the full case history of Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Swaraksha Chit Funds has 1 GST registration on record, and it has been cancelled or is inactive. Only active GST numbers are listed on this page.
To see the full GST registrations and return filing status of Swaraksha Chit Funds Private Limited, buy the company report.
Recent activity
Swaraksha Chit Funds Private Limited has 17 board changes on record since 2003: 10 appointments and 7 cessations. The latest: Sequeira Victorxavier ceased to be Director on 31 Mar 2025.
8 earlier events are in the company report.
Frequently asked questions
Swaraksha Chit Funds is an active private limited company based in Kozhikode, Kerala, India. The company works in financial activities, within the financial services industry. It was incorporated on 22 July 2003 (23+ years old) and is registered under CIN U65992KL2003PTC016324.
Swaraksha Chit Funds has 10 current directors:
- Sequeira Victorxavier - Managing Director
- Salim Pollayil Sebastian - Managing Director
- Joseph Pulimoottil Lonappan - Managing Director
- Antony Arackel Joseph - Director
- Painedath Varghese George - Director
- Antoninus Joseph - Director
- Mullassery Varghese Johny - Director
- Valiyaparambil Lazar Joseph - Director
- Antony Nellikkal Joseph - Director
- Binu Edward - Director
The latest financial statements of Swaraksha Chit Funds on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
No. Swaraksha Chit Funds has 1 GST registration on record and it is cancelled or inactive.
The CIN (Corporate Identification Number) of Swaraksha Chit Funds is U65992KL2003PTC016324. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Swaraksha Chit Funds has 1 court case on record: 1 filed by the company.
Swaraksha Chit Funds was incorporated on 22 July 2003, making it 23+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Swaraksha Chit Funds by revenue are Jagadeeshwar Chit Funds Private Limited, Sri Kasireddy Nayana Chit Funds Private Limited, Swashakthi Chit Funds Private Limited, Anwita Chit Funds Private Limited, Kanipakam Vinayaka Chit Funds Chittoor Private Limited and 2 more, all in the BFSI industry (Chit Funds), with the same principal business activity (other financial activities).
Sequeira Victorxavier ceased to be Director on 31 Mar 2025. Joseph Pulimoottil Lonappan ceased to be Director on 18 Aug 2023. Elexton Lopez ceased to be Managing Director on 15 Jul 2019. Swaraksha Chit Funds has 17 board changes on record in total.
The registered office of Swaraksha Chit Funds is at 486 Stjosephs Church Compoundkannur Road Nadakavu P O, Kozhikode, Kerala, India – 673001.
Swaraksha Chit Funds operates in the financial services industry, in the financial activities segment.