About Uttrayan Financial Services Private Limited
Data last updated:
Uttrayan Financial Services Private Limited is a private limited company based in Kolkata, West Bengal, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 26 April 1995 and has been in existence for over 31 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN U67120WB1995PTC071237. Its GSTIN is 03AABCC0070E1ZJ (Punjab). The company holds 2 GST registrations, all of them active.
The company has an authorised share capital of ₹12 Cr and a paid-up capital of ₹9.04 Cr. It was formerly known as Chotanagpur Trade & Investments Private Limited. It is led by directors including Kartick Biswas (Managing Director) and Kanchan Chakrabarti.
Its last annual general meeting (AGM) was held on 30 August 2025, and its latest financial statements are for the year ended 31 March 2025. The registered office is at Infinity Benchmark 12th Floor Unit No. 1202 Plot No. G – 1, Ep & Gp Block Sector – V Salt Lake City North 24 Parganas Kolkata – 700091, West Bengal, India – 700091.
As per the financials filed for FY 2024, the company reported a revenue of ₹73.16 Cr, a growth of 58% compared to the previous year. For the same year it recorded a net profit of ₹10.36 Cr (net margin 14.2%) and EBITDA of ₹46.01 Cr (EBITDA margin 62.9%). Revenue has grown at a compounded annual rate (CAGR) of 16% over three years and 9% over five years.
The company has about 545 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Uttrayan Financial Services. As per MCA filings, the company has open charges of ₹467.93 Cr and satisfied charges of ₹899.8 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website uttrayan-mfi.com.
- EmailLocked
- TelephoneLocked
- Website
- Social MediaLocked
- Registered AddressInfinity Benchmark 12th Floor Unit No. 1202 Plot No. G – 1, Ep & Gp Block Sector – V Salt Lake City North 24 Parganas Kolkata – 700091, West Bengal, India – 700091
- IndustryFinancial Services, Microfinance Institutions, NBFC
- 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
- One PDF report, delivered after checkout
Business Activity of Uttrayan Financial Services Private Limited
The main business activity of Uttrayan Financial Services is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Uttrayan Financial Services Private Limited FY 2025 filings available
Uttrayan Financial Services Private Limited reported revenue of ₹73.16 Cr (up 58% YoY) for FY 2024.
Compounded Annual Growth Rate (CAGR) of Uttrayan Financial Services Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 9% over five years, including 58% growth in the latest year. EBITDA rose 88% 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 Uttrayan Financial Services Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| 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 | ₹46.01 Cr | •••• | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹10.36 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 of Uttrayan Financial Services Private Limited
| Metrics | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 62.9% | •••• | •••• | •••• | •••• |
| Net Profit Margin | 14.2% | •••• | •••• | •••• | •••• |
| 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 Uttrayan Financial Services are in the company report.
Financial statements from 2015
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Peer Comparison of Uttrayan Financial Services Private Limited
Uttrayan Financial Services Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Mentor Capital Limited | ₹75.3 Cr (FY 2024) | •••• | •••• | 255.0% | •••• | Mumbai, Maharashtra, India |
| Brescon Ventures Private Limited | ₹74.67 Cr (FY 2025) | •••• | •••• | 22.0% | •••• | Mumbai, Maharashtra, India |
| Castle Investment and Industries Private Limited | ₹74.52 Cr (FY 2025) | •••• | •••• | 51.0% | •••• | Mumbai, Maharashtra, India |
| Brios Finvest India Limited | ₹74.36 Cr (FY 2024) | •••• | •••• | 137.0% | •••• | Chennai, Tamil Nadu, India |
| Aristo Securities Private Limited | ₹74.34 Cr (FY 2024) | •••• | •••• | 138.0% | •••• | New Delhi, Delhi, India |
| Uttrayan Financial Services Private Limited this company | ₹73.16 Cr (FY 2024) | •••• | •••• | 58.0% | •••• | Kolkata, West Bengal, India |
| Gujarat State Investment Limited | ₹72.88 Cr (FY 2020) | •••• | •••• | -73.0% | •••• | Ahmedabad, Gujarat, India |
| Bwda Finance Limited | ₹72.75 Cr (FY 2025) | •••• | •••• | 21.0% | •••• | Villupuram, Tamil Nadu, India |
| Blue Bird Commercial Ltd | ₹72.4 Cr (FY 2025) | •••• | •••• | -1.0% | •••• | Kolkata, West Bengal, India |
| Rupen Investment and Industries Private Limited | ₹71.51 Cr (FY 2025) | •••• | •••• | 32.0% | •••• | Mumbai, Maharashtra, India |
| Sankhya Financial Services Private Limited | ₹71.38 Cr (FY 2019) | •••• | •••• | 1.0% | •••• | Mumbai, Maharashtra, India |
Peers are the five companies nearest above and the five nearest below Uttrayan Financial Services by revenue in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Uttrayan Financial Services Private Limited
Uttrayan Financial Services Private Limited is audited by Ray n Ray for the financial year 2023.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Ray n Ray | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Uttrayan Financial Services Private Limited
Uttrayan Financial Services has 5 current directors and 16 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Kanchan Chakrabarti | Director | 24 Oct 2019 | 6 Years 11 Months | Current |
| Anindya Sen Also directs: Vreedhi Financial Services Private Limited | Director | 18 Jun 2014 | 12 Years 3 Months | Current |
| Kartick Biswas | Managing Director | 08 Aug 2008 | 18 Years 2 Months | Current |
| Apu Dhar | Director | 25 Mar 2009 | 17 Years 6 Months | Current |
| Bijon Kanti Choudhury | Director | 27 Apr 2012 | 14 Years 5 Months | Current |
Ownership and Shareholding of Uttrayan Financial Services Private Limited
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Uttrayan Financial Services Private Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 26 Dec 2025 | Others | ₹3 Cr | Open |
| 24 Sep 2025 | Others | ₹6 Cr | Open |
| 26 Aug 2025 | Bangiya Gramin Vikash Bank | ₹15 Cr | Open |
| 19 Jul 2025 | Others | ₹25 Cr | Open |
| 05 May 2025 | Others | ₹13 Cr | Open |
Total charge records: 186 View all charges
Associated Brands with Uttrayan Financial Services Private Limited
Uttrayan Financial Services operates one associated brand: Uttrayan Financial Services. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Micro loans are extended to clients in West Bengal. | uttrayan-mfi.com |
Employees and EPFO Compliance at Uttrayan Financial Services Private Limited
Uttrayan Financial Services Private Limited has a workforce of 545 employees as of Apr 07, 2024.
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 Uttrayan Financial Services Private Limited
Uttrayan Financial Services Private Limited has 18 board changes on record since 2008: 5 appointments and 13 cessations. The latest: Prasenjit Chowdhury ceased to be Nominee Director on 14 Nov 2024.
343 earlier events are listed in the company report.
Credit Ratings, Litigation & Regulatory Alerts for Uttrayan Financial Services Private Limited
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Uttrayan Financial Services Private Limited
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Uttrayan Financial Services Private Limited
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Uttrayan Financial Services Private Limited
Uttrayan Financial Services has 2 GST registrations: 2 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 03AABCC0070E1ZJ | Punjab | Active | 17 Jan 2019 |
| 08AABCC0070E1Z9 | Rajasthan | Active | 06 Jul 2022 |
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Uttrayan Financial Services Private Limited
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Uttrayan Financial Services Private Limited
Uttrayan Financial Services is an active private limited company based in Kolkata, West Bengal, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 26 April 1995 (31+ years old) and is registered under CIN U67120WB1995PTC071237.
Uttrayan Financial Services reported revenue of ₹73.16 Cr for FY 2024 (up 58% YoY).
Uttrayan Financial Services has 5 current directors:
- Kartick Biswas - Managing Director
- Kanchan Chakrabarti - Director
- Anindya Sen - Director
- Apu Dhar - Director
- Bijon Kanti Choudhury - Director
Uttrayan Financial Services reported a net profit of ₹10.36 Cr (net margin 14.2%) and EBITDA of ₹46.01 Cr (EBITDA margin 62.9%) for FY 2024, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Uttrayan Financial Services is 16% over three years and 9% over five years. In the latest year (FY 2024) revenue rose 58%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Uttrayan Financial Services is 03AABCC0070E1ZJ, registered in Punjab. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 08AABCC0070E1Z9 (Rajasthan).
The CIN (Corporate Identification Number) of Uttrayan Financial Services is U67120WB1995PTC071237. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Uttrayan Financial Services was incorporated on 26 April 1995, making it 31+ years old. It is registered with the Registrar of Companies, Kolkata.
The peers of Uttrayan Financial Services by revenue are Mentor Capital Limited, Brescon Ventures Private Limited, Castle Investment and Industries Private Limited, Brios Finvest India Limited, Aristo Securities Private Limited and 5 more, all in the BFSI industry (Large NBFC, Micro Finance Institutions, Mid Sized Non Deposit NBFC).
Prasenjit Chowdhury ceased to be Nominee Director on 14 Nov 2024. Sridhar Venkata Subramania Rallabandi ceased to be Additional Director on 29 Aug 2023. S Manoj P ceased to be Nominee Director on 26 Aug 2022. Uttrayan Financial Services has 18 board changes on record in total.
Uttrayan Financial Services can be reached through the website uttrayan-mfi.com. Its registered office is in Kolkata, West Bengal, India.