Ushma Microcredit Foundation
About Ushma Microcredit Foundation
Data last updated:
Ushma Microcredit Foundation is a private not for profit company based in Varanasi, Uttar Pradesh, India. It operates in the social services and community development segment of the non-profit sector. It was incorporated on 24 April 2017 and has been in existence for over 9 years.
The company is registered with the Registrar of Companies (ROC), Kanpur, under CIN U85300UP2017NPL092493.
The company has an authorised share capital of ₹10 Lakh and a paid-up capital of ₹1 Lakh. It is led by directors Mahendra Nath Verma and Savita Kumari Maurya.
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 Meera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106.
As per the financials filed for FY 2025, the company reported a revenue of ₹46,450, a decline of 61% compared to the previous year. For the same year it recorded a net loss of ₹969 (net margin -2.1%) and EBITDA of -₹630 (EBITDA margin -1.4%). Revenue has declined at a compounded annual rate (CAGR) of 28% over three years and 20% over five years.
The current compliance status is marked as compliant by the Registrar of Companies.
Company details
Contact details
Ushma Microcredit Foundation's registered office is in Varanasi, Uttar Pradesh. Its e-mail address is in the company report.
- Email
- Registered AddressMeera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106
- IndustryNon-Profit Organizations, Social Work
To see the full contact details of Ushma Microcredit Foundation, 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 Ushma Microcredit Foundation 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 Ushma Microcredit Foundation, buy the company report.
Financials of Ushma Microcredit Foundation
FY 2025 filings availableUshma Microcredit Foundation reported revenue of ₹46,450 (down 61% YoY) for FY 2025.
Compounded Annual Growth Rate (CAGR)
Revenue has declined at a compounded annual rate (CAGR) of 20% over five years, including a 61% fall in the latest year. EBITDA rose 76% 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 | -₹630 | ||||
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| Net Profit (PAT) | -₹969 | ||||
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Financial Ratios
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
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| EBITDA Margin | -1.4% | ||||
| Net Profit Margin | -2.1% | ||||
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To see the full financial statements and ratios of Ushma Microcredit Foundation, buy the company report.
Board of directors of Ushma Microcredit Foundation
Ushma Microcredit Foundation has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Mahendra Nath Verma | Director | 24 Apr 2017 | 9 Years 6 Months | Current |
| Savita Kumari Maurya | Director | 24 Apr 2017 | 9 Years 6 Months | Current |
Peer comparison
Ushma Microcredit Foundation is compared with the 10 companies closest to it by revenue in 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 |
|---|---|---|---|---|---|---|
| Shri Revadi Laxmi Chits Private Limited | ₹46,719 (FY 2020) | -81.0% | Jamakhandi, Karnataka, India | |||
| Mountsoft Micro-Credit Federation | ₹46,711 (FY 2025) | Shahpur Bamheta, Uttar Pradesh, India | ||||
| Mermaid Vincom Private Limited | ₹46,685 (FY 2016) | Kolkata, West Bengal, India | ||||
| Pridand Nidhi Limited | ₹46,570 (FY 2024) | -24.0% | Saran, Bihar, India | |||
| Capital Street International Financial Services Private Limited | ₹46,500 (FY 2025) | Panchkula, Haryana, India | ||||
| Ushma Microcredit Foundationthis company | ₹46,450 (FY 2025) | -₹969 | -2.1% | -61.0% | Varanasi, Uttar Pradesh, India | |
| Himalayan Dairies Private Limited | ₹46,433 (FY 2025) | -100.0% | Delhi, India | |||
| Majestic Commotrade Private Limited | ₹46,431 (FY 2025) | 12.0% | Kolkata, West Bengal, India | |||
| Starpoint Management Pvt.Ltd. | ₹46,428 (FY 2023) | 137.0% | Kolkata, West Bengal, India | |||
| Lomas Technicut (India) Private Limited | ₹46,422 (FY 2016) | -71.0% | Mumbai, Maharashtra, India | |||
| Orraye Spa & Life Styles Limited | ₹46,400 (FY 2025) | 15.0% | Mumbai, Maharashtra, India |
To see the full peer comparison of Ushma Microcredit Foundation, buy the company report.
Legal cases
No court or tribunal cases involving Ushma Microcredit Foundation 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 Ushma Microcredit Foundation; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
No GST registration is on our record for Ushma Microcredit Foundation; the GSTIN and return-filing check is in the company report Buy the company report.
Recent activity
Ushma Microcredit Foundation has 2 board changes on record since 2017: 2 appointments. The latest: Mahendra Nath Verma was appointed as Director on 24 Apr 2017.
Frequently asked questions
Ushma Microcredit Foundation is an active private not for profit company based in Varanasi, Uttar Pradesh, India. The company works in social work, within the non-profit organizations industry. It was incorporated on 24 April 2017 (9+ years old) and is registered under CIN U85300UP2017NPL092493.
Ushma Microcredit Foundation has 2 current directors:
- Mahendra Nath Verma - Director
- Savita Kumari Maurya - Director
The latest financial statements of Ushma Microcredit Foundation on record with the MCA are for the year ended 31 March 2025. Its last annual general meeting was held on 30 September 2025. Year-wise statements from FY 2018 are in the company report.
The CIN (Corporate Identification Number) of Ushma Microcredit Foundation is U85300UP2017NPL092493. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Ushma Microcredit Foundation was incorporated on 24 April 2017, making it 9+ years old. It is registered with the Registrar of Companies, Kanpur.
The peers of Ushma Microcredit Foundation by revenue are Shri Revadi Laxmi Chits Private Limited, Mountsoft Micro-Credit Federation, Mermaid Vincom Private Limited, Pridand Nidhi Limited, Capital Street International Financial Services Private Limited and 5 more, all in the same principal business activity (other financial activities).
Mahendra Nath Verma was appointed as Director on 24 Apr 2017. Savita Kumari Maurya was appointed as Director on 24 Apr 2017.
The registered office of Ushma Microcredit Foundation is at Meera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106.
Ushma Microcredit Foundation operates in the non-profit organizations industry, in the social work segment.
The compliance status of Ushma Microcredit Foundation is compliant as of 13 July 2026. The company is actively filing with the Registrar of Companies.
Ushma Microcredit Foundation can be reached at its registered office: Meera Nagar Extension Kanchanpur, Varanasi, Uttar Pradesh, India – 221106.
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