About Urja Money Private Limited
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Urja Money Private Limited is a private limited company based in Mumbai, Maharashtra, India, a subsidiary of One 97 Communications Limited. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 30 October 2012 and has been in existence for over 14 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN U93000MH2012PTC237284. Its GSTIN is 27AABCU5287F1Z4 (Maharashtra).
The company has an authorised share capital of ₹11 Cr and a paid-up capital of ₹3.12 Cr. It is led by directors including Syed Zulfiqar Ali (Whole-Time Director) and Puneet Agarwal.
Its last annual general meeting (AGM) was held on 25 August 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 ₹18.59 Cr, a growth of 12% compared to the previous year. For the same year it recorded a net profit of ₹4.31 Cr (net margin 23.2%) and EBITDA of ₹5.04 Cr (EBITDA margin 27.1%). Revenue has grown at a compounded annual rate (CAGR) of 47% over three years and 43% over five years.
The company has about 5 employees on its provident fund (EPFO) records. Its group structure includes 1 subsidiary.
The company is associated with 1 brand: CreditMate. Court records list 1 case involving the company, including 1 filed by the company. The company has 12 deals on record (4 acquisitions, 4 funding rounds, 3 secondary share transfers), with disclosed funding of ₹18.01 Cr; the latest was in October 2021. Its 4 peer companies in the Ecommerce and Internet industry (Finance), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 1 smaller; the largest is Sharsh Finance and Investment Company Private Limited with revenue of ₹18.93 Cr. The company has 4 MSME Form 1 returns on record between 2021 and 2023, listing 4 overdue payments to 4 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 creditmate.in.
Company details
CIN history
Urja Money has one previous CIN (Corporate Identification Number): U65990MH2012PTC237284. The current CIN is U93000MH2012PTC237284, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U93000MH2012PTC237284 | Current |
| U65990MH2012PTC237284 | Previous |
Contact details
Urja Money Private Limited's registered office is in Mumbai, Maharashtra. Its website is creditmate.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered Address149 Udyog Bhavan, Sonawala Road Goregaon (East), Mumbai, Maharashtra, India – 400063
- IndustryInternet, Online Financial Services
To see the full contact details of Urja Money 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
Urja Money operates one associated brand: CreditMate. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Overdue payments are collected from borrowers for multiple lenders. | creditmate.in |
Business activity
The main business activity of Urja Money 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 Urja Money Private Limited, buy the company report.
Financials of Urja Money Private Limited
FY 2025 filings availableUrja Money Private Limited reported revenue of ₹18.59 Cr (up 12% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 43% over five years, including 12% growth in the latest year. EBITDA rose 497% 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 | FY 2020-21 |
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| EBITDA | ₹5.04 Cr | ||||
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| Net Profit (PAT) | ₹4.31 Cr | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 27.1% | ||||
| Net Profit Margin | 23.2% | ||||
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To see the full financial statements and ratios of Urja Money Private Limited, buy the company report.
Board of directors of Urja Money Private Limited
Urja Money has 4 current directors and 18 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Syed Zulfiqar Ali | Whole-Time Director | 25 Jul 2022 | 4 Years 3 Months | Current |
| Puneet Agarwal Also directs: Fincollect Services Private Limited | Director | 21 Apr 2023 | 3 Years 6 Months | Current |
| Ripunjai Gaur Also directs: Paytm Services Private Limited | Additional Director | 01 Oct 2025 | 1 Years 0 Months | Current |
| Avijit Jain Also directs: Fincollect Services Private Limited | Director | 15 Oct 2024 | 2 Years 0 Months | Current |
Peer comparison
Urja Money Private Limited is compared with the 4 companies closest to it by revenue in the Ecommerce and Internet industry (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 |
|---|---|---|---|---|---|---|
| Sharsh Finance and Investment Company Private Limited | ₹18.93 Cr (FY 2025) | 7.0% | New Delhi, Delhi, India | |||
| Arriba Inclusive Finance Private Limited | ₹18.62 Cr (FY 2025) | 95.0% | Hyderabad, Telangana, India | |||
| Ipcress Finance & Securities Private Limited | ₹18.6 Cr (FY 2022) | 9.0% | Kolkata, West Bengal, India | |||
| Urja Money Private Limitedthis company | ₹18.59 Cr (FY 2025) | ₹4.31 Cr | 23.2% | 12.0% | 5 | Mumbai, Maharashtra, India |
| S.R.Addhya Finance Pvt.Ltd. | ₹18.57 Cr (FY 2023) | 1061.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Urja Money Private Limited, buy the company report.
Auditor
Urja Money Private Limited is audited by S.R Batliboi & Associates LLP for the financial year 2023.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| S.R Batliboi & Associates LLP | FY 2023 | 101049W/E300004 |
Shareholding
The shareholding of Urja Money Private Limited is on record for 5 financial years, the latest being FY 2022, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Urja Money Private Limited, buy the company report.
Deals & funding
Urja Money Private Limited has 12 deals on record (4 acquisitions, 4 funding rounds, 3 secondary share transfers), with disclosed funding of ₹18.01 Cr; the latest was in October 2021.
Deals on record (5 of 12)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Oct 2021 | Acquisition | ₹3 Cr | Buyer: One 97 Communications Limited |
| Oct 2021 | Acquisition | ₹3 Cr | Buyer: One97 Mobility Fund |
| Mar 2020 | Funding round | ₹1 Lakh | Investors: an individual |
| Jul 2017 | Secondary share transfer | Undisclosed | Buyer: an individual Seller: Venture Product Foundry LLP |
| Jul 2016 | Acquisition | ₹90,000 | Buyer: Venture Product Foundry LLP Seller: 2 individuals |
To see the full deal history of Urja Money 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
Urja Money Private Limited has 1 court case on record: 1 filed by Urja Money. All case is disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1 | 0 | 0 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Mumbai CMM Courts, Maharashtra | Court case (S S) | Filed by the company against individuals | Disposed |
To see the full case history of Urja Money 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
Urja Money Private Limited has 4 MSME Form 1 returns on record between 2021 and 2023, listing 4 overdue payments to 4 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 (4 of 4)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Bitonic Technology Labs Private Limited | |||
| A1 Facility & Property Managers Pvt Ltd | |||
| Fincollect Services Private Limited | |||
| Girnar Care Private Limited |
To see the full MSME payment records of Urja Money Private Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
Urja Money has 1 subsidiary company. This group structure data is as of FY 2022. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Fincollect Services Private Limited | U67100MH2019PTC329349 |
To see the full group structure of Urja Money Private Limited, buy the company report.
Employees & EPFO
Urja Money Private Limited has a workforce of 5 employees on its EPFO records as of Apr 02, 2024, across 1 active EPFO establishment.
GST
Urja Money has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 27AABCU5287F1Z4 | Maharashtra | Active | 26 Jul 2017 |
To see the full GST registrations and return filing status of Urja Money Private Limited, buy the company report.
Recent activity
Urja Money Private Limited has 21 board changes on record since 2017: 4 appointments and 17 cessations. The latest: Ripunjai Gaur was appointed as Additional Director on 01 Oct 2025.
12 earlier events are in the company report.
News
Frequently asked questions
Urja Money is an active private limited company based in Mumbai, Maharashtra, India. The company works in online financial services, within the internet industry. It was incorporated on 30 October 2012 (14+ years old) and is registered under CIN U93000MH2012PTC237284.
Urja Money has 4 current directors:
- Syed Zulfiqar Ali - Whole-Time Director
- Puneet Agarwal - Director
- Ripunjai Gaur - Additional Director
- Avijit Jain - Director
The latest financial statements of Urja Money on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 25 August 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Urja Money is 27AABCU5287F1Z4, registered in Maharashtra.
The CIN (Corporate Identification Number) of Urja Money is U93000MH2012PTC237284. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Urja Money has 1 court case on record: 1 filed by the company.
Urja Money was incorporated on 30 October 2012, making it 14+ years old. It is registered with the Registrar of Companies, Mumbai.
Urja Money has 12 deals on record (4 acquisitions, 4 funding rounds, 3 secondary share transfers), with disclosed funding of ₹18.01 Cr; the latest was in October 2021.
The peers of Urja Money by revenue are Sharsh Finance and Investment Company Private Limited, Arriba Inclusive Finance Private Limited, Ipcress Finance & Securities Private Limited, S.R.Addhya Finance Pvt.Ltd, all in the Ecommerce and Internet industry (Finance), with the same principal business activity (other financial activities).
Ripunjai Gaur was appointed as Additional Director on 01 Oct 2025. Avijit Jain ceased to be Additional Director on 24 Aug 2025. Avijit Jain was appointed as Director on 15 Oct 2024. Urja Money has 21 board changes on record in total.
Urja Money has 4 MSME Form 1 returns on record between 2021 and 2023, listing 4 overdue payments to 4 micro and small suppliers. The latest return was filed on 28 Apr 2023.
Urja Money can be reached through the website creditmate.in. Its registered office is in Mumbai, Maharashtra, India.