About Unity Small Finance Bank Limited
Data last updated:
Unity Small Finance Bank Limited is a public limited company based in New Delhi, Delhi, India, a subsidiary of Centrum Financial Services Limited. It operates in the banking institutions segment of the financial services sector. It was incorporated on 25 August 2021 and has been in existence for over 5 years.
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN U65990DL2021PLC385568. Its GSTIN is 07AACCU9065C1ZB (Delhi). The company holds 21 GST registrations, all of them active.
The company has an authorised share capital of ₹4,000 Cr and a paid-up capital of ₹2,953.4 Cr. It is led by directors including Camotra Singh Inderjit (Managing Director) and Renu Basu.
Its last annual general meeting (AGM) was held on 25 July 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Unit No. 1201 1202 & 1203 12th Floor, Ansal Bhawan 16 K. G. Marg New Delhi, Delhi, India – 110001.
As per the financials filed for FY 2025, the company reported a revenue of ₹2,837.09 Cr, a growth of 74% compared to the previous year. For the same year it recorded a net profit of ₹482.03 Cr (net margin 17%) and EBITDA of ₹482.03 Cr (EBITDA margin 17%). Revenue has grown at a compounded annual rate (CAGR) of 164% over three years.
The company has about 4,667 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Unity Small Finance Bank. As per MCA filings, the company has open charges of ₹63.9 Lakh and satisfied charges of ₹1,215.91 Cr on record. Court records list 2,040 cases involving the company, including 1,756 filed by the company and 285 filed against it; 1,339 cases are pending. The company has 4 deals on record (2 funding rounds, 1 convertible or debt financing, 1 acquisition), with disclosed funding of ₹3,523.82 Cr; the latest was in January 2022.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website theunitybank.com.
Company details
Contact details
Unity Small Finance Bank Limited's registered office is in New Delhi, Delhi. Its website is theunitybank.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressUnit No. 1201 1202 & 1203 12th Floor, Ansal Bhawan 16 K. G. Marg New Delhi, Delhi, India – 110001
- IndustryFinancial Services, Banking Institutions
To see the full contact details of Unity Small Finance Bank 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
Unity Small Finance Bank operates one associated brand: Unity Small Finance Bank. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Provides savings accounts, loans, and digital banking for personal and business financial needs. | theunitybank.com |
Business activity
The main business activity of Unity Small Finance Bank is financial and insurance service. In detail, this covers banking activities by central, commercial and saving banks.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K1 | Banking activities by Central, Commercial and Saving banks |
To see the full business activity and turnover split of Unity Small Finance Bank Limited, buy the company report.
Financials of Unity Small Finance Bank Limited
FY 2025 filings availableUnity Small Finance Bank Limited reported revenue of ₹2,837.09 Cr (up 74% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 164% over three years, including 74% growth in the latest year. EBITDA rose 10% 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 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 | ₹482.03 Cr | |||
| Profit Before Tax | ||||
| Tax Expense | ||||
| Net Profit (PAT) | ₹482.03 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 | ||||
| Cash and Bank Balance | ||||
| Total Assets | ||||
Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Profitability | ||||
| EBITDA Margin | 17% | |||
| Net Profit Margin | 17% | |||
| 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 | ||||
To see the full financial statements and ratios of Unity Small Finance Bank Limited, buy the company report.
Board of directors and KMP of Unity Small Finance Bank Limited
Unity Small Finance Bank Limited currently reports 13 directors and 2 key managerial personnel. 6 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Renu Basu | Director | 28 Jan 2022 | 4 Years 9 Months | Current |
| Jaspal Singh Bindra Also directs: Jas Advisory Services LLP, BG Advisory Services LLP, Centrum Alternatives LLP and 5 more | Director | 24 Mar 2023 | 3 Years 7 Months | Current |
| Archana Alok Goyal | Company Secretary | 22 Oct 2021 | 5 Years 0 Months | Current |
| Camotra Singh Inderjit Also directs: Bfsi Sector Skill Council of India | Managing Director | 05 Aug 2022 | 4 Years 2 Months | Current |
| Subhash Gundappa Kutte Also directs: Centrum Financial Services Limited, The Ugar Sugar Works Ltd, Synergy Green Industries Limited and 2 more | Director | 26 Oct 2021 | 5 Years 0 Months | Current |
| Basant Seth | Director | 26 Oct 2021 | 5 Years 0 Months | Current |
Auditor
Unity Small Finance Bank Limited is audited by V. Sankar Aiyar & Co. for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| V. Sankar Aiyar & Co. | FY 2023 | 109208W |
Shareholding
The shareholding of Unity Small Finance Bank Limited is on record for 2 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 |
|---|---|---|
| Promoters | ||
| Domestic institutional investors (DII) | ||
| Foreign institutional investors (FII) | ||
| Public | ||
| Others |
To see the full shareholding pattern of Unity Small Finance Bank Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 31 Jan 2025 | 101050348 | Others | ₹63.9 Lakh | Open | |
| 04 Apr 2022 | 100565608 | Others | ₹41.01 Cr | Satisfied | |
| 31 Mar 2022 | 100552404 | Others | ₹10 Cr | Satisfied | |
| 30 Mar 2022 | 100555412 | Sidbi | ₹50 Cr | Satisfied | |
| 28 Mar 2022 | 100555498 | Others | ₹20 Cr | Satisfied |
To see the full charge records of Unity Small Finance Bank Limited, buy the company report.
Total charge records: 76 View all charges
Deals & funding
Unity Small Finance Bank Limited has 4 deals on record (2 funding rounds, 1 convertible or debt financing, 1 acquisition), with disclosed funding of ₹3,523.82 Cr; the latest was in January 2022.
Deals on record (2 of 4)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Nov 2021 | Funding round | ₹745.72 Cr | Investors: Resilient Innovations Private Limited |
| Nov 2021 | Acquisition | ₹359.49 Cr | Buyer: Centrum Financial Services Limited |
To see the full deal history of Unity Small Finance Bank 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
Unity Small Finance Bank Limited has 2,040 court cases on record: 1,756 filed by Unity Small Finance Bank, 285 filed against it. 1,339 cases are pending and 701 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,721 | 104 | 1,199 |
| High courts | 165 | 92 | 80 |
| NCLAT | 123 | 78 | 58 |
| NCLT | 21 | 4 | 1 |
| Supreme Court | 10 | 7 | 1 |
Cases on record (5 of 2,040)
| Court | Type of case | Party | Status |
|---|---|---|---|
| NCLAT, NCLAT New Delhi | Interim or miscellaneous application | Filed against the company by Excel Arcade Private Limited | Pending |
| District court, Hyderabad CCC, Telangana | Civil suit | Filed against the company by Slokha Health Care Pvt Ltd/Seasons Hospital | Pending |
| NCLAT, NCLAT New Delhi | Interim or miscellaneous application | Filed by the company against Awas Developers and Constructions Private Limited | Pending |
| NCLAT, NCLAT New Delhi | Interim or miscellaneous application | Filed by the company against Laxmiroop Private Limited | Pending |
| NCLAT, NCLAT New Delhi | Insolvency matter | Filed by the company against Laxmiroop Private Limited | Pending |
To see the full case history of Unity Small Finance Bank 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.
Credit ratings & regulatory alerts
Unity Small Finance Bank Limited was last rated by Icra on 29 Dec 2021.
| Rating agency | Rated on | Rating |
|---|---|---|
| Icra | 29 Dec 2021 |
To see the full credit ratings and regulatory alerts of Unity Small Finance Bank Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Unity Small Finance Bank Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Unity Small Finance Bank Limited has a workforce of 4,667 employees on its EPFO records as of Mar 23, 2024, across 1 active EPFO establishment.
GST
Unity Small Finance Bank has 21 GST registrations: 21 active. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 07AACCU9065C1ZB | Delhi | Active | 01 Oct 2021 |
| 27AACCU9065C1Z9 | Maharashtra | Active | 02 Oct 2021 |
| 21AACCU9065C1ZL | Odisha | Active | 02 Dec 2021 |
| 08AACCU9065C1Z9 | Rajasthan | Active | 09 Dec 2021 |
To see the full GST registrations and return filing status of Unity Small Finance Bank Limited, buy the company report.
Recent activity
Unity Small Finance Bank Limited has 25 board changes on record since 2021: 20 appointments and 5 cessations. The latest: Anil Kishora was appointed as Additional Director on 02 Oct 2025.
171 earlier events are in the company report.
News
Frequently asked questions
Unity Small Finance Bank is an active public limited company based in New Delhi, Delhi, India. The company works in banking institutions, within the financial services industry. It was incorporated on 25 August 2021 (5+ years old) and is registered under CIN U65990DL2021PLC385568.
Unity Small Finance Bank has 15 current directors and KMP:
- Camotra Singh Inderjit - Managing Director
- Renu Basu - Director
- Jaspal Singh Bindra - Director
- Subhash Gundappa Kutte - Director
- Basant Seth - Director
- Sandip Ghose - Director
- David Paul Rasquinha - Director
- Anil Kishora - Additional Director
- Sumeet Singh - Director
- Pronab Sen - Director
- Bhaskar Pramanik - Director
- Chandir Gobind Gidwani - Director
- Sunil Kakar - Director
- Archana Alok Goyal - Company Secretary
- Abhishek Nirmal Baxi - Cfo
The latest financial statements of Unity Small Finance Bank on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 25 July 2025. Year-wise statements from FY 2022 are in the company report.
The GSTIN of Unity Small Finance Bank is 07AACCU9065C1ZB, registered in Delhi. The company has 21 GST registrations in all, of which 21 are active. Other active GSTINs include 27AACCU9065C1Z9 (Maharashtra), 21AACCU9065C1ZL (Odisha), 08AACCU9065C1Z9 (Rajasthan).
The CIN (Corporate Identification Number) of Unity Small Finance Bank is U65990DL2021PLC385568. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Unity Small Finance Bank has 2,040 court cases on record: 1,756 filed by the company and 285 filed against it. 1,339 are pending. Most are in the district courts.
Unity Small Finance Bank was incorporated on 25 August 2021, making it 5+ years old. It is registered with the Registrar of Companies, Delhi.
Unity Small Finance Bank has 4 deals on record (2 funding rounds, 1 convertible or debt financing, 1 acquisition), with disclosed funding of ₹3,523.82 Cr; the latest was in January 2022.
Anil Kishora was appointed as Additional Director on 02 Oct 2025. Sumeet Singh was appointed as Director on 26 Mar 2025. Parthapratim Sengupta ceased to be Director on 01 Nov 2024. Unity Small Finance Bank has 25 board changes on record in total.
Unity Small Finance Bank can be reached through the website theunitybank.com. Its registered office is in New Delhi, Delhi, India.
Sample company reports
The same report you get when you buy one: financials, directors, ownership, deals, charges, legal cases, brands and filings, with the Excel workbook alongside.
