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 The company has 1 GST registration on record, which is no longer active.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.
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- Registered Address4/86 Stjosephs Church Compoundkannur Road Nadakavu P O, Kozhikode, Kerala, India – 673001
- IndustryFinancial Services, Financial Activities
- 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 Swaraksha Chit Funds Private Limited
The main business activity of Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited FY 2025 filings available
Swaraksha Chit Funds Private Limited reported revenue of ₹6.47 Lakh (down 20% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Swaraksha Chit Funds Private Limited
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 of Swaraksha Chit Funds Private Limited
| 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 of Swaraksha Chit Funds Private Limited
| 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 | •••• | •••• | •••• | •••• | •••• |
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 Swaraksha Chit Funds 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.
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 of Swaraksha Chit Funds Private Limited
Swaraksha Chit Funds Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Chit Funds). Net profit, margin and employee counts of each company are in the company report.
| 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 |
| C G V Chit Funds Private Limited | ₹6.52 Lakh (FY 2025) | •••• | •••• | 13.0% | •••• | Coimbatore, Tamil Nadu, India |
| Swaraksha Chit Funds Private Limited this company | ₹6.47 Lakh (FY 2024) | •••• | •••• | -20.0% | •••• | Kozhikode, Kerala, India |
| Kanipakam Vinayaka Chit Funds Chittoor Private Limited | ₹6.45 Lakh (FY 2021) | •••• | •••• | -67.0% | •••• | Chittoor, Andhra Pradesh, India |
| Mathrushreeambani Chit Funds Private Limited | ₹6.4 Lakh (FY 2025) | •••• | •••• | •••• | Chintamani, Karnataka, India | |
| Vetrikumaran Chit Funds Private Limited | ₹6.35 Lakh (FY 2024) | •••• | •••• | 38.0% | •••• | Vadalur, Tamil Nadu, 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 |
Peers are the five companies nearest above and the five nearest below Swaraksha Chit Funds by revenue in the BFSI industry (Chit Funds), 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 Swaraksha Chit Funds Private Limited
Swaraksha Chit Funds Private Limited is audited by SANDHYA BHASKAR for the financial year 2017.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| SANDHYA BHASKAR | 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.
Ownership and Shareholding of Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited
Swaraksha Chit Funds Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Legal Cases of Swaraksha Chit Funds Private Limited
Swaraksha Chit Funds Private Limited has 1 court case on record: 1 filed by Swaraksha Chit Funds. All case is disposed. Status as checked on 28 Sep 2026.
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 an individual | Disposed |
Full case history
All 1 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.
Employees and EPFO Compliance at Swaraksha Chit Funds Private Limited
Employment history and EPFO contributions of people linked to Swaraksha Chit Funds.
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.
Recent Activity on Swaraksha Chit Funds Private Limited
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 listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Swaraksha Chit Funds 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 Swaraksha Chit Funds 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 Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited
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.
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 Swaraksha Chit Funds 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 Swaraksha Chit Funds Private Limited
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 reported revenue of ₹6.47 Lakh for FY 2024 (down 20% YoY).
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
Swaraksha Chit Funds reported a net profit of ₹2,802 (net margin 0.4%) and EBITDA of ₹12,937 (EBITDA margin 2%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Swaraksha Chit Funds is -10% over three years and 3% over five years. In the latest year (FY 2024) revenue fell 20%. CAGR is the steady yearly rate that links the first and the last year.
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, C G V Chit Funds Private Limited and 5 more, all in the BFSI industry (Chit Funds).
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.