About Terra Financial Services Private Limited
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Terra Financial Services Private Limited is a private limited company based in Kolkata, West Bengal, India, a subsidiary of Terra Motors India Private Limited. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 07 September 1990 and has been in existence for over 36 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U67100WB1990PTC049807. Its GSTIN is 19AABCR4121M1ZA (West Bengal).
The company has an authorised share capital of ₹15 Lakh and a paid-up capital of ₹11.18 Lakh. It was formerly known as Rashmi Exports Pvt Ltd. It is led by directors Kosuke Nakagawa and Akihiro Ueda.
Its last annual general meeting (AGM) was held on 25 August 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Stesalit Tower 8th Floor Plot – Gp Block E – 2 – 3 Sector – V, Kolkata, West Bengal, India – 700091.
As per the financials filed for FY 2026, the company reported a revenue of ₹19.83 Cr, a growth of 105% compared to the previous year. For the same year it recorded a net profit of ₹1.42 Cr (net margin 7.2%) and EBITDA of ₹5.18 Cr (EBITDA margin 26.1%). Revenue has grown at a compounded annual rate (CAGR) of 48% over three years and 202% over five years.
The company has about 123 employees on its provident fund (EPFO) records.
As per MCA filings, the company has open charges of ₹6.5 Cr on record. Court records list 1 case involving the company, including 1 filed against it.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website terrafinance.co.jp.
Company details
CIN history
Terra Financial Services has one previous CIN (Corporate Identification Number): U17232WB1990PTC049807. The current CIN is U67100WB1990PTC049807, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U67100WB1990PTC049807 | Current |
| U17232WB1990PTC049807 | Previous |
Contact details
Terra Financial Services Private Limited's registered office is in Kolkata, West Bengal. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Registered AddressStesalit Tower 8th Floor Plot – Gp Block E – 2 – 3 Sector – V, Kolkata, West Bengal, India – 700091
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Terra Financial Services 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 Terra Financial Services is financial and insurance activities. In detail, this covers activities auxiliary to financial service and insurance activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance activities | 66 | Activities auxiliary to financial service and insurance activities |
To see the full business activity and turnover split of Terra Financial Services Private Limited, buy the company report.
Financials of Terra Financial Services Private Limited
FY 2026 filings availableTerra Financial Services Private Limited reported revenue of ₹19.83 Cr (up 105% YoY) for FY 2026.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 202% over five years, including 105% growth in the latest year. EBITDA rose 142% 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 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹19.83 Cr | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹5.18 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹1.42 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 | |||||
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Financial Ratios
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 26.1% | ||||
| Net Profit Margin | 7.2% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
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| Quick Ratio | |||||
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| 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 Terra Financial Services Private Limited, buy the company report.
Board of directors of Terra Financial Services Private Limited
Terra Financial Services has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Kosuke Nakagawa | Additional Director | 05 Jul 2021 | 5 Years 4 Months | Current |
| Akihiro Ueda Also directs: Terra Motors India Private Limited | Additional Director | 05 Jul 2021 | 5 Years 4 Months | Current |
Auditor
Terra Financial Services Private Limited is audited by MAROTI & ASSOCIATES for the financial year 2026.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| MAROTI & ASSOCIATES | FY 2026 | 322770E |
Shareholding
The shareholding of Terra Financial Services Private Limited is on record for 5 financial years, the latest being FY 2026, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Terra Financial Services Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 28 Sep 2026 | 101412183 | Others | ₹1.5 Cr | Open | |
| 25 Feb 2026 | 101259187 | Others | ₹2.5 Cr | Open | |
| 11 Oct 2025 | 101177186 | Others | ₹2.5 Cr | Open |
Total charge records: 3 View all charges
Legal cases
Terra Financial Services Private Limited has 1 court case on record: 1 filed against it. All case is disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 1 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court, West Bengal | Court case (CRR) | Filed against the company by M/S New RKBK Motors and Anr. Ashutosh Singh and 1 other | Disposed |
To see the full case history of Terra Financial Services 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 Terra Financial Services Private Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Terra Financial Services Private Limited has a workforce of 123 employees on its EPFO records as of May 2026, across 1 active EPFO establishment.
Headcount by financial year
| Financial year | Employees (EPFO) |
|---|---|
| FY 2026-27 | 123 |
| FY 2025-26 | |
| FY 2024-25 | |
| FY 2023-24 | |
| FY 2022-23 |
To see the full employee and EPFO history of Terra Financial Services Private Limited, buy the company report.
GST
Terra Financial Services has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 19AABCR4121M1ZA | West Bengal | Active | 05 Mar 2022 |
To see the full GST registrations and return filing status of Terra Financial Services Private Limited, buy the company report.
Recent activity
Terra Financial Services Private Limited has 2 board changes on record since 2021: 2 appointments. The latest: Akihiro Ueda was appointed as Additional Director on 05 Jul 2021.
Frequently asked questions
Terra Financial Services is an active private limited company based in Kolkata, West Bengal, India. The company works in nbfc, within the financial services industry. It was incorporated on 07 September 1990 (36+ years old) and is registered under CIN U67100WB1990PTC049807.
Terra Financial Services has 2 current directors:
- Kosuke Nakagawa - Additional Director
- Akihiro Ueda - Additional Director
The latest financial statements of Terra Financial Services on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 25 August 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of Terra Financial Services is 19AABCR4121M1ZA, registered in West Bengal.
The CIN (Corporate Identification Number) of Terra Financial Services is U67100WB1990PTC049807. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Terra Financial Services has 1 court case on record: 1 filed against it.
Terra Financial Services was incorporated on 07 September 1990, making it 36+ years old. It is registered with the Registrar of Companies, Kolkata.
Akihiro Ueda was appointed as Additional Director on 05 Jul 2021. Kosuke Nakagawa was appointed as Additional Director on 05 Jul 2021.
Terra Financial Services can be reached through the website terrafinance.co.jp. Its registered office is in Kolkata, West Bengal, India.
The registered office of Terra Financial Services is at Stesalit Tower 8th Floor Plot – Gp Block E – 2 – 3 Sector – V, Kolkata, West Bengal, India – 700091.
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