Startup India Government of India
TML Fintech Private Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials & compliance.
Revenue · FY 2025
₹52.65 Cr
▲ 148% YoY
Net profit · FY 2025
₹23.3 Lakh
Net margin 0.4%
EBITDA · FY 2025
₹1.39 Cr
EBITDA margin 2.6%
Authorised capital
₹14 Lakh
Registered with MCA
Paid-up capital
₹1 Lakh
Issued & subscribed
Open charges
₹19.7 Lakh
Secured borrowings
Company age
5 yrs
Est. 2021
Directors on board
2
As per MCA filings
About TML Fintech Private Limited
Data last updated:
TML Fintech Private Limited is a private limited company based in Mumbai, Maharashtra, India, recognised as a startup by DPIIT. It operates in the housing finance companies segment of the financial services sector. It was incorporated on 29 July 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U74900MH2021PTC364860. Its GSTIN is 27AAICT7668N1ZC (Maharashtra). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹14 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Mohit Inderjit Vohra (Whole-Time Director) and Anjali Arvind Pandey.
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 Mumbai, Maharashtra.
As per the financials filed for FY 2025, the company reported a revenue of ₹52.65 Cr, a growth of 148% compared to the previous year. For the same year it recorded a net profit of ₹23.3 Lakh (net margin 0.4%) and EBITDA of ₹1.39 Cr (EBITDA margin 2.6%). Revenue has grown at a compounded annual rate (CAGR) of 221% over three years.
The company is associated with 1 brand: Test My Loan. As per MCA filings, the company has open charges of ₹19.7 Lakh on record.
TML Fintech Private Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-MH-18-0086737). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website testmyloan.ai.
Company Details of TML Fintech Private Limited
CIN U74900MH2021PTC364860
Registration Number 364860
Incorporation Date 29 July 2021
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
DPIIT Recognition Recognised Startup
MSME Classification Small
Udyam Registration UDYAM-MH-18-0086737
CIN History of TML Fintech Private Limited
TML Fintech has one previous CIN (Corporate Identification Number): U74999MH2021PTC364860. The current CIN is U74900MH2021PTC364860, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U74900MH2021PTC364860 | Current |
| U74999MH2021PTC364860 | Previous |
Recognitions & Rankings of TML Fintech
MSME (Udyam registered) Ministry of MSME
- Category
- Small (2024-25)
- Udyam number
- UDYAM-MH-18-0086737
Contact Details
- EmailLocked
- TelephoneLocked
- WebsiteLocked
- Social MediaLocked
- Registered Address2nd Floor I Square Sv Road Siddharth Nagar, Near Ram Mandir Signal Goregaon West, Mumbai, Maharashtra, India – 400104
- IndustryFinancial Services, Housing Finance Companies
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Associated Brands with TML Fintech Private Limited
TML Fintech operates one associated brand: Test My Loan. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Home mortgage loans are facilitated via an online marketplace. | testmyloan.ai |
Business Activity of TML Fintech Private Limited
The main business activity of TML Fintech 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 |
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Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
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Financials of TML Fintech Private Limited FY 2025 filings available
TML Fintech Private Limited reported revenue of ₹52.65 Cr (up 148% YoY) for FY 2025.
Revenue · FY 2025
₹52.65 Cr ▲ 148%
Net profit · FY 2025
₹23.3 Lakh margin 0.4%
EBITDA · FY 2025
₹1.39 Cr margin 2.6%
Compounded Annual Growth Rate (CAGR) of TML Fintech Private Limited
Revenue CAGR growth
1 year
▲ 148%
3 years · compounded
▲ 221%
EBITDA CAGR growth
1 year
▲ 317%
3 years · compounded
▲ 177%
Revenue has grown at a compounded annual rate (CAGR) of 221% over three years, including 148% growth in the latest year. EBITDA rose 317% 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 TML Fintech Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| 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 | ₹1.39 Cr | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹23.3 Lakh | •••• | •••• | •••• |
| 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 TML Fintech Private Limited
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Profitability | ||||
| EBITDA Margin | 2.6% | •••• | •••• | •••• |
| 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 TML Fintech are in the company report.
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Financial statements from FY 2022
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
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Verified entity values are shown only after access is granted.
Board of Directors of TML Fintech Private Limited
TML Fintech has 2 current directors and 3 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Anjali Arvind Pandey Also directs: E-Revbay Private Limited | Director | 26 Jun 2025 | 1 Years 3 Months | Current |
| Mohit Inderjit Vohra | Whole-Time Director | 29 Jul 2021 | 5 Years 2 Months | Current |
Peer Comparison of TML Fintech Private Limited
TML Fintech Private Limited is compared with the companies closest to it by revenue in the Outsourcing industry (Consulting Services, Fintech). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Tradesmart Fintech Securities Limited | ₹53.21 Cr (FY 2025) | •••• | •••• | -5.0% | •••• | Uttar Pradesh, India |
| Vheal Medical Services Private Limited | ₹53.18 Cr (FY 2022) | •••• | •••• | 20.0% | •••• | New Delhi, Delhi, India |
| Preferred Square Analytics Private Limited | ₹53.14 Cr (FY 2025) | •••• | •••• | 67.0% | •••• | Gurgaon, Haryana, India |
| Tewatia Construction Private Limited | ₹52.98 Cr (FY 2024) | •••• | •••• | -46.0% | •••• | Delhi, India |
| CVC Advisers (India) Private Limited | ₹52.73 Cr (FY 2024) | •••• | •••• | 9.0% | •••• | Mumbai, Maharashtra, India |
| TML Fintech Private Limited this company | ₹52.65 Cr (FY 2025) | •••• | •••• | 148.0% | •••• | Mumbai, Maharashtra, India |
| Cube Highways Technologies Private Limited | ₹52.31 Cr (FY 2025) | •••• | •••• | 16.0% | •••• | New Delhi, Delhi, India |
| Sapphiro Consulting Solutions Private Limited | ₹52.21 Cr (FY 2025) | •••• | •••• | -29.0% | •••• | Kolkata, West Bengal, India |
| Lcatterton Mumbai Advisory Services Private Limited | ₹52.15 Cr (FY 2025) | •••• | •••• | 56.0% | •••• | Mumbai, Maharashtra, India |
| Prathmik Merchants Private Limited | ₹52.11 Cr (FY 2025) | •••• | •••• | -29.0% | •••• | Kolkata, West Bengal, India |
| JCSS Consulting Private Limited | ₹52.1 Cr (FY 2024) | •••• | •••• | 4.0% | •••• | Bangalore, Karnataka, India |
Peers are the five companies nearest above and the five nearest below TML Fintech by revenue in the Outsourcing industry (Consulting Services, Fintech), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Charges & Borrowings of TML Fintech Private Limited
Open charges
₹19.7 Lakh
Satisfied charges
None
Breakdown by lending institutions
Latest charge details
| Date | Lender | Amount | Status |
|---|---|---|---|
| 23 Jan 2024 | Hdfc Bank Limited | ₹19.7 Lakh | Open |
Total charge records: 1 View all charges
Employees and EPFO Compliance at TML Fintech Private Limited
Employment history and EPFO contributions of people linked to TML Fintech.
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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 TML Fintech Private Limited
TML Fintech Private Limited has 5 board changes on record since 2021: 2 appointments and 3 cessations. The latest: Anjali Arvind Pandey ceased to be Additional Director on 29 Sep 2025.
AGM
Tml Fintech Private Limited last Annual general meeting of members was held on 30 Sep 2025 as per latest MCA records.
Ceased
Anjali Arvind Pandey ceased to be Additional Director.
Appointed
Anjali Arvind Pandey was appointed as Director.
Filing
Tml Fintech Private Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Mumbai I.
Ceased
Mohit Inderjit Vohra ceased to be Director.
Charges
A charge with Hdfc Bank Limited amounted to Rs. 19.70 Lakh with Charge ID 100912311 was registered on 23 Jan 2024.
Ceased
Ashish Tiwari ceased to be Director.
Appointed
Mohit Inderjit Vohra was appointed as Whole-Time Director.
Incorporation
29 Jul 2021
Tml Fintech Private Limited was registered on 29 Jul 2021 with Roc Mumbai I & aged 5 years 2 months as per MCA records.
Credit Ratings, Litigation & Regulatory Alerts for TML Fintech Private Limited
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Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
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MSME Payment Delays by TML Fintech Private Limited
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MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
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Subsidiaries & Group Companies of TML Fintech Private Limited
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Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
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GST Compliance of TML Fintech Private Limited
TML Fintech has 2 GST registrations: 2 active.
Total GSTINs
2
Active
2
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AAICT7668N1ZC | Maharashtra | Active | 04 Aug 2021 |
| 06AAICT7668N1ZG | Haryana | Active | 18 Dec 2023 |
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GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
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MCA Filings & Documents of TML Fintech Private Limited
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MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
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Frequently Asked Questions about TML Fintech Private Limited
TML Fintech is an active private limited company based in Mumbai, Maharashtra, India. The company works in housing finance companies, within the financial services industry. It was incorporated on 29 July 2021 (5+ years old) and is registered under CIN U74900MH2021PTC364860.
TML Fintech reported revenue of ₹52.65 Cr for FY 2025 (up 148% YoY).
TML Fintech has 2 current directors:
- Mohit Inderjit Vohra - Whole-Time Director
- Anjali Arvind Pandey - Director
TML Fintech reported a net profit of ₹23.3 Lakh (net margin 0.4%) and EBITDA of ₹1.39 Cr (EBITDA margin 2.6%) for FY 2025, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of TML Fintech is 221% over three years. In the latest year (FY 2025) revenue rose 148%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of TML Fintech is 27AAICT7668N1ZC, registered in Maharashtra. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 06AAICT7668N1ZG (Haryana).
The CIN (Corporate Identification Number) of TML Fintech is U74900MH2021PTC364860. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
TML Fintech was incorporated on 29 July 2021, making it 5+ years old. It is registered with the Registrar of Companies, Mumbai.
The peers of TML Fintech by revenue are Tradesmart Fintech Securities Limited, Vheal Medical Services Private Limited, Preferred Square Analytics Private Limited, Tewatia Construction Private Limited, CVC Advisers (India) Private Limited and 5 more, all in the Outsourcing industry (Consulting Services, Fintech).
Anjali Arvind Pandey ceased to be Additional Director on 29 Sep 2025. Anjali Arvind Pandey was appointed as Director on 26 Jun 2025. Mohit Inderjit Vohra ceased to be Director on 31 Mar 2024. TML Fintech has 5 board changes on record in total.
Yes, TML Fintech is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).