About Uc Inclusive Credit Private Limited
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Uc Inclusive Credit Private Limited is a private limited company based in Bangalore, Karnataka, India, a subsidiary of Unitus Capital Mauritius. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 17 June 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65929KA2016PTC094208. Its GSTIN is 29AABCU9503C1ZF (Karnataka).
The company has an authorised share capital of ₹104 Cr and a paid-up capital of ₹85.65 Cr. It is led by directors including Abhijit Ray (Managing Director) and Narayan Ramachandran.
Its last annual general meeting (AGM) was held on 01 July 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Bangalore, Karnataka.
As per the financials filed for FY 2026, the company reported a revenue of ₹110.26 Cr, a decline of 18% compared to the previous year. For the same year it recorded a net profit of ₹7.02 Cr (net margin 6.4%) and EBITDA of ₹70.29 Cr (EBITDA margin 63.7%). Revenue has grown at a compounded annual rate (CAGR) of 26% over three years and 36% over five years.
The company has about 28 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: UC Inclusive Credit. As per MCA filings, the company has open charges of ₹758.28 Cr and satisfied charges of ₹965.5 Cr on record. Court records list 28 cases involving the company, including 25 filed by the company and 3 filed against it; 14 cases are pending. The company has 9 deals on record (4 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹212.39 Cr; the latest was in March 2025. Its 7 peer companies in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities) are compared by revenue, 4 larger and 3 smaller; the largest is Easun Capital Markets Ltd with revenue of ₹135.24 Cr. The company has 10 MSME Form 1 returns on record between 2020 and 2023, listing 16 overdue payments to 3 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website ucinclusive.in.
Company details
Contact details
Uc Inclusive Credit Private Limited's registered office is in Bangalore North, Karnataka. Its website is ucinclusive.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressPrestige Towers, 99/100 Residency Road Shanthala Nagar Ashok Nagar, Bangalore, Karnataka, India – 560025
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Uc Inclusive Credit 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
Brands
Uc Inclusive Credit operates one associated brand: UC Inclusive Credit. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provider of financial inclusion services to underserved sectors | ucinclusive.in |
Business activity
The main business activity of Uc Inclusive Credit 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 Uc Inclusive Credit Private Limited, buy the company report.
Financials of Uc Inclusive Credit Private Limited
FY 2026 filings availableUc Inclusive Credit Private Limited reported revenue of ₹110.26 Cr (down 18% YoY) for FY 2026.
Compounded Annual Growth Rate (CAGR)
Revenue fell 18% in the latest year, but over five years it has grown at a compounded annual rate (CAGR) of 36%. EBITDA fell 28% 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 |
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| EBITDA | ₹70.29 Cr | ||||
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| Net Profit (PAT) | ₹7.02 Cr | ||||
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Financial Ratios
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
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| Profitability | |||||
| EBITDA Margin | 63.7% | ||||
| Net Profit Margin | 6.4% | ||||
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To see the full financial statements and ratios of Uc Inclusive Credit Private Limited, buy the company report.
Board of directors of Uc Inclusive Credit Private Limited
Uc Inclusive Credit has 5 current directors and 4 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Eric Savage | Nominee Director | 30 Jun 2021 | 5 Years 4 Months | Current |
| Narayan Ramachandran Also directs: Uc Investment Management LLP, Teamlease Services Limited, TVS Capital Funds Private Limited and 4 more | Director | 16 Sep 2016 | 10 Years 1 Months | Current |
| Abhijit Ray Also directs: Unitus Capital Private Limited | Managing Director | 17 Jun 2016 | 10 Years 4 Months | Current |
| Sandhya Vasudevan | Director | 20 Sep 2023 | 3 Years 1 Months | Current |
| Ruma Dey | Director | 17 Sep 2026 | 0 Years 1 Months | Current |
Peer comparison
Uc Inclusive Credit Private Limited is compared with the 7 companies closest to it by revenue in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies), 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 |
|---|---|---|---|---|---|---|
| Easun Capital Markets Ltd | ₹135.24 Cr (FY 2024) | 1.0% | Kolkata, West Bengal, India | |||
| Raj Capital and Finance Pvt.Ltd. | ₹135.11 Cr (FY 2025) | 31.0% | Kolkata, West Bengal, India | |||
| Mount Intra Finance Pvt Ltd | ₹134.51 Cr (FY 2025) | -2.0% | Kolkata, West Bengal, India | |||
| Winro Commercial (India) Ltd | ₹134.27 Cr (FY 2023) | -25.0% | Mumbai, Maharashtra, India | |||
| Amrit Malwa Capital Limited | ₹133.67 Cr (FY 2025) | 13.0% | Jalandhar, Punjab, India | |||
| Cimmco Vinimay Pvt Ltd | ₹132.39 Cr (FY 2023) | -80.0% | Kolkata, West Bengal, India | |||
| Arthmate Financing India Private Limited | ₹132.29 Cr (FY 2023) | 37.0% | Kolkata, West Bengal, India | |||
| Uc Inclusive Credit Private Limitedthis company | ₹110.26 Cr (FY 2026) | ₹7.02 Cr | 6.4% | -18.0% | 28 | Bangalore, Karnataka, India |
To see the full peer comparison of Uc Inclusive Credit Private Limited, buy the company report.
Auditor
Uc Inclusive Credit Private Limited is audited by R.G.N. Price & Co. for the financial year 2024.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| R.G.N. Price & Co. | FY 2024 | 002785S |
Shareholding
The shareholding of Uc Inclusive Credit Private Limited is on record for 5 financial years, the latest being FY 2024, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
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| Public | |||||
| Others |
To see the full shareholding pattern of Uc Inclusive Credit Private Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 28 Jul 2026 | 101359979 | Others | ₹18 Cr | Open | |
| 15 Jun 2026 | 101353152 | Idbi Trusteeship Services Limited | ₹10 Cr | Open | |
| 31 Mar 2026 | 101273817 | Others | ₹5 Cr | Open | |
| 29 Mar 2026 | 101273811 | Others | ₹15 Cr | Open | |
| 26 Mar 2026 | 101275691 | Others | ₹20 Cr | Open |
To see the full charge records of Uc Inclusive Credit Private Limited, buy the company report.
Total charge records: 168 View all charges
Deals & funding
Uc Inclusive Credit Private Limited has 9 deals on record (4 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹212.39 Cr; the latest was in March 2025.
Deals on record (5 of 9)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Mar 2025 | Debt financing | ₹10 Cr | Investors: Texterity Private Limited |
| Oct 2024 | Debt financing | ₹27.2 Cr | Investors: Michael & Susan Dell Foundation, an individual |
| Nov 2023 | Funding round · Series D | ₹73.59 Cr | Investors: Insitor Partners, Unitus Capital Mauritius, 2 individuals |
| Dec 2022 | Debt financing | ₹20 Cr | Investors: Michael & Susan Dell Foundation |
| Jun 2019 | Funding round · Series C | ₹26.5 Cr | Investors: Aarin Capital, Accurate Finman Services Limited , 2 individuals |
To see the full deal history of Uc Inclusive Credit Private Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Uc Inclusive Credit Private Limited has 28 court cases on record: 25 filed by Uc Inclusive Credit, 3 filed against it. 14 cases are pending and 14 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 27 | 2 | 13 |
| High courts | 1 | 1 | 1 |
Cases on record (5 of 28)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Aasra Fincorp Private Limited | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Tulita Ahara Private Limited | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Sagar Deposits and Advances Limited | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against M/S Reddy Automotive Private Limited | Pending |
| District court, BENGALURU, Karnataka | Criminal complaint | Filed by the company against Reddy Automotive Pvt Ltd | Pending |
To see the full case history of Uc Inclusive Credit 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
Uc Inclusive Credit Private Limited has 10 MSME Form 1 returns on record between 2020 and 2023, listing 16 overdue payments to 3 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (3 of 3)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| National E- Governance Services Limited | |||
| Uc Inclusive Credit Private Limited | |||
| Jayam Solutions Private Limited |
To see the full MSME payment records of Uc Inclusive Credit Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Employees & EPFO
Uc Inclusive Credit Private Limited has a workforce of 28 employees on its EPFO records as of Apr 01, 2024, across 1 active EPFO establishment.
GST
Uc Inclusive Credit has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AABCU9503C1ZF | Karnataka | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Uc Inclusive Credit Private Limited, buy the company report.
Recent activity
Uc Inclusive Credit Private Limited has 8 board changes on record since 2016: 5 appointments and 3 cessations. The latest: Ruma Dey was appointed as Director on 17 Sep 2026.
290 earlier events are in the company report.
News
Frequently asked questions
Uc Inclusive Credit is an active private limited company based in Bangalore, Karnataka, India. The company works in nbfc, within the financial services industry. It was incorporated on 17 June 2016 (10+ years old) and is registered under CIN U65929KA2016PTC094208.
Uc Inclusive Credit has 5 current directors:
- Abhijit Ray - Managing Director
- Eric Savage - Nominee Director
- Narayan Ramachandran - Director
- Sandhya Vasudevan - Director
- Ruma Dey - Director
The latest financial statements of Uc Inclusive Credit on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 01 July 2026. Year-wise statements from FY 2017 are in the company report.
The GSTIN of Uc Inclusive Credit is 29AABCU9503C1ZF, registered in Karnataka.
The CIN (Corporate Identification Number) of Uc Inclusive Credit is U65929KA2016PTC094208. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Uc Inclusive Credit has 28 court cases on record: 25 filed by the company and 3 filed against it. 14 are pending. Most are in the district courts.
Uc Inclusive Credit was incorporated on 17 June 2016, making it 10+ years old. It is registered with the Registrar of Companies, Bangalore.
Uc Inclusive Credit has 9 deals on record (4 funding rounds, 3 debt financings, 1 rights issue), with disclosed funding of ₹212.39 Cr; the latest was in March 2025.
The peers of Uc Inclusive Credit by revenue are Easun Capital Markets Ltd, Raj Capital and Finance Pvt.Ltd, Mount Intra Finance Pvt Ltd, Winro Commercial (India) Ltd, Amrit Malwa Capital Limited and 2 more, all in the BFSI industry (Large NBFC, Mid Sized Non Deposit NBFC, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities).
Ruma Dey was appointed as Director on 17 Sep 2026. Padmaja Nair ceased to be Director on 07 Aug 2026. Sandhya Vasudevan was appointed as Director on 20 Sep 2023. Uc Inclusive Credit has 8 board changes on record in total.
Uc Inclusive Credit has 10 MSME Form 1 returns on record between 2020 and 2023, listing 16 overdue payments to 3 micro and small suppliers. The latest return was filed on 23 Aug 2023.
Uc Inclusive Credit can be reached through the website ucinclusive.in. Its registered office is in Bangalore, Karnataka, India.
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