Tharamgini Kuries and Loans Pvt Ltd
About Tharamgini Kuries and Loans Pvt Ltd
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Tharamgini Kuries and Loans Pvt Ltd is a private limited company based in Thrissur, Kerala, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 06 May 1982 and has been in existence for over 44 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65992KL1982PTC003545. The company has 1 GST registration on record, which is no longer active.
The company has an authorised share capital of ₹35 Lakh and a paid-up capital of ₹25 Lakh. It is led by directors including Kallarakkal Ouseph Johny (Managing Director) and Balaraman Brarath Raman.
Its last annual general meeting (AGM) was held on 31 December 2020, and its latest financial statements are for the year ended 31 March 2020. The registered office is at 21/174 Civil Lane Road, Thrissur, Kerala, India – 680004.
As per the financials filed for FY 2020, the company reported a revenue of ₹7.46 Lakh, a decline of 80% compared to the previous year. For the same year it recorded a net loss of ₹8.09 Lakh (net margin -108.5%) and EBITDA of -₹3.84 Lakh (EBITDA margin -51.5%). Revenue has declined at a compounded annual rate (CAGR) of 23% over three years and 18% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Tharamgini Kuries and Loans Pvt Ltd's registered office is in Thrissur, Kerala. Its e-mail address is in the company report.
- Email
- Registered Address21/174 Civil Lane Road, Thrissur, Kerala, India – 680004
- IndustryFinancial Services, Microfinance Institutions
To see the full contact details of Tharamgini Kuries and Loans Pvt Ltd, 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 Tharamgini Kuries and Loans 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 Tharamgini Kuries and Loans Pvt Ltd, buy the company report.
Financials of Tharamgini Kuries and Loans Pvt Ltd
FY 2020 filings availableTharamgini Kuries and Loans Pvt Ltd reported revenue of ₹7.46 Lakh (down 80% YoY) for FY 2020.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 18% over five years, including a 80% fall 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 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | |||||
| Other Income | |||||
| Total Revenue | ₹7.46 Lakh | ||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | -₹3.84 Lakh | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | -₹8.09 Lakh | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
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| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
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Financial Ratios
| Metrics | FY 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 | FY 2015-16 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | -51.5% | ||||
| Net Profit Margin | -108.5% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
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| 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 Tharamgini Kuries and Loans Pvt Ltd, buy the company report.
Board of directors of Tharamgini Kuries and Loans Pvt Ltd
Tharamgini Kuries and Loans has 6 current directors and 8 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Kallarakkal Ouseph Johny | Managing Director | 24 Oct 2006 | 20 Years 0 Months | Current |
| Balaraman Brarath Raman Also directs: Visrutha Kuries Limited | Director | 19 Sep 1994 | 32 Years 1 Months | Current |
| Premanandan | Additional Director | 08 Feb 2021 | 5 Years 9 Months | Current |
| Ramesh Urath | Director | 08 Mar 2016 | 10 Years 8 Months | Current |
| Pokkuruparambil Krishnan Ananthan | Director | 06 May 1982 | 44 Years 6 Months | Current |
| Subramanian | Director | 20 Jul 1997 | 29 Years 3 Months | Current |
Peer comparison
Tharamgini Kuries and Loans Pvt Ltd is compared with the 8 companies closest to it by revenue in the BFSI industry (Micro Finance), 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 |
|---|---|---|---|---|---|---|
| Calicut Mercantile Chits Private Limited | ₹37.01 Lakh (FY 2024) | 4.0% | Kozhikode, Kerala, India | |||
| Yuva Nidhi Company Limited | ₹36.78 Lakh (FY 2019) | -23.0% | Naroda, Gujarat, India | |||
| NHS Benefits Nidhi Limited | ₹36.73 Lakh (FY 2024) | 80.0% | Delhi, India | |||
| Srihani Chitfunds Private Limited | ₹36.64 Lakh (FY 2025) | -13.0% | Suryapet, Telangana, India | |||
| Antalia Nidhi Limited | ₹36.36 Lakh (FY 2025) | 12.0% | Thrissur, Kerala, India | |||
| Srisaithirumala Chitfunds India Private Limited | ₹36.11 Lakh (FY 2019) | -19.0% | Warangal, Telangana, India | |||
| Edha Mithra Nidhi Limited | ₹35.99 Lakh (FY 2024) | 4.0% | Kottarakara, Kollam, Kerala, India | |||
| Aryanshekar Chit Funds Private Limited | ₹35.73 Lakh (FY 2025) | 36.0% | Hyderabad, Telangana, India | |||
| Tharamgini Kuries and Loans Pvt Ltdthis company | ₹7.46 Lakh (FY 2020) | -₹8.09 Lakh | -108.5% | -80.0% | Thrissur, Kerala, India |
To see the full peer comparison of Tharamgini Kuries and Loans Pvt Ltd, buy the company report.
Auditor
Tharamgini Kuries and Loans Pvt Ltd is audited by C KRISHNAKUMAR & CO for the financial year 2020.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| C KRISHNAKUMAR & CO | FY 2020 | 004934S |
Shareholding
The shareholding of Tharamgini Kuries and Loans Pvt Ltd is on record for 3 financial years, the latest being FY 2020, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2020 | FY 2017 | FY 2016 |
|---|---|---|---|
| Promoters | |||
| Domestic institutional investors (DII) | |||
| Foreign institutional investors (FII) | |||
| Public | |||
| Others |
To see the full shareholding pattern of Tharamgini Kuries and Loans Pvt Ltd, buy the company report.
Legal cases
No court or tribunal cases involving Tharamgini Kuries and Loans Pvt Ltd are on our record; a case search with case numbers, parties and status is in the company report Buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Tharamgini Kuries and Loans Pvt Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
Tharamgini Kuries and Loans 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 Tharamgini Kuries and Loans Pvt Ltd, buy the company report.
Recent activity
Tharamgini Kuries and Loans Pvt Ltd has 14 board changes on record since 1982: 6 appointments and 8 cessations. The latest: Balaraman Brarath Raman ceased to be Managing Director on 09 Mar 2023.
5 earlier events are in the company report.
Frequently asked questions
Tharamgini Kuries and Loans is an active private limited company based in Thrissur, Kerala, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 06 May 1982 (44+ years old) and is registered under CIN U65992KL1982PTC003545.
Tharamgini Kuries and Loans has 6 current directors:
- Kallarakkal Ouseph Johny - Managing Director
- Balaraman Brarath Raman - Director
- Premanandan - Additional Director
- Ramesh Urath - Director
- Pokkuruparambil Krishnan Ananthan - Director
- Subramanian - Director
The latest financial statements of Tharamgini Kuries and Loans on record with the MCA are for the year ended 31 March 2020. Its last annual general meeting was held on 31 December 2020. Year-wise statements from 2015 are in the company report.
No. Tharamgini Kuries and Loans has 1 GST registration on record and it is cancelled or inactive.
The CIN (Corporate Identification Number) of Tharamgini Kuries and Loans is U65992KL1982PTC003545. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Tharamgini Kuries and Loans was incorporated on 06 May 1982, making it 44+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Tharamgini Kuries and Loans by revenue are Calicut Mercantile Chits Private Limited, Yuva Nidhi Company Limited, NHS Benefits Nidhi Limited, Srihani Chitfunds Private Limited, Antalia Nidhi Limited and 3 more, all in the BFSI industry (Micro Finance), with the same principal business activity (other financial activities).
Balaraman Brarath Raman ceased to be Managing Director on 09 Mar 2023. Kallarakkal Ouseph Johny ceased to be Additional Director on 05 Feb 2023. Devassy Kallarackal Ouseph ceased to be Director on 13 Jul 2021. Tharamgini Kuries and Loans has 14 board changes on record in total.
The registered office of Tharamgini Kuries and Loans is at 21174 Civil Lane Road, Thrissur, Kerala, India – 680004.
Tharamgini Kuries and Loans operates in the financial services industry, in the microfinance institutions segment.
The compliance status of Tharamgini Kuries and Loans is compliant as of 09 August 2026. The company is actively filing with the Registrar of Companies.
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