About Xpay Life Private Limited
Data last updated: 22 December 2025
Xpay Life Private Limited is a private limited company based in Mumbai, Maharashtra, India, recognised as a startup by DPIIT. It specialises in digital payment solutions, a part of the broader financial services sector. Incorporated on 11 August 2016, the company has been in operation for over 10 years.
Registered with ROC Mumbai under CIN U74999MH2016PTC284682.
Capital: an authorised share capital of ₹10 Lakh and a paid-up capital of ₹10 Lakh. Formerly known as Xpay.Life Private Limited and Xiphias Xpay Life Private Limited. It is led by directors including Vandana Singh and Rohit Kumar.
Last AGM: 30 September 2024. Financial statements filed for year ended 31 March 2024. Office: Mumbai, Maharashtra.
As per the financials filed for FY 2025, the company reported a revenue of ₹5.61 Lakh, a decline of 96% compared to the previous year.
The company is associated with 1 brand - Xpay.Life.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website xpay.life.
-
EmailLocked
-
TelephoneLocked
-
Website
-
Social Media
-
Apps
-
Registered AddressPlot No.75 Behind Metro House Cst Road Kalina Bandra Kurla Complex Santacruz Ea, St, Mumbai, Maharashtra, India – 400098
-
IndustryFinancial Services, Digital Payment Solutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Xpay Life Private Limited
Xpay Life Private Limited has undergone 3 name changes throughout its history. The company was previously known as Xpay.Life Private Limited, Xiphias Xpay Life Private Limited, and Xiphias Studios Private Limited. The current legal name is Xpay Life Private Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Xpay Life Private Limited | Current |
| Xpay.Life Private Limited | Previous |
| Xiphias Xpay Life Private Limited | Previous |
| Xiphias Studios Private Limited | Previous |
Associated Brands with Xpay Life Private Limited
Xpay Life Private Limited operates one associated brand: XPay.Life. These brands represent Xpay Life Private Limited's diversified market presence and brand portfolio.
Competitors & Alternatives of Xpay Life Private Limited
Brands and companies operating in the same space as Xpay Life Private Limited include Aditya Birla Capital, Recharge.com, RNFI Services and 4 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Aditya Birla Capital
|
Diversified financial services including investment, insurance, and lending are offered. | Mumbai, India, India | 2007 |
Recharge.com
|
Online utility bill payment platform for individuals | Nijmegen, Netherlands, Netherlands | 2012 |
RNFI Services
|
Digital payment services including gateways, remittances, and recharges are provided. | Delhi, India, India | 2015 |
TalkCharge
|
Operates a digital platform providing discounts and cashback rewards for consumers. | Gurugram, India, India | 2015 |
Niki
|
Offers an AI-based automated order-taking app for concierge services. | Bengaluru, India, India | 2015 |
PayBingo
|
Agent-enabled payment solution for merchants | Kurukshetra, India, India | 2016 |
Bharat BillPay
|
Delivers an agent-based platform for efficient bill payments. | Mumbai, India, India | 2013 |
Business Activity of Xpay Life Private Limited
Xpay Life Private Limited is engaged in the principal business activity of support service to organizations, with detailed activities including other support services to organizations.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| N | Support service to Organizations | N7 | Other support services to organizations | Locked |
Business activity turnover details for Xpay Life Private Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Xpay Life Private Limited
Xpay Life Private Limited is audited by B.V.Swami & Co for the financial year 2023. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| B.V.Swami & Co | Locked | Locked | Locked |
Complete auditor history for Xpay Life Private Limited
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Xpay Life Private Limited
Xpay Life Private Limited is currently managed by 4 directors, with 3 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Vandana Singh
Also directs:
Xiphias Software Technologies Private Limited
|
Director | 26 May 2020 | 6 Years 2 Months | Current |
|
Rohit Kumar
Also directs:
Xiphias Software Technologies Private Limited
|
Director | 11 Aug 2016 | 10 Years 0 Months | Current |
| Deepak Ananth | Director | 05 Dec 2023 | 2 Years 8 Months | Current |
| Ballapuram Srinivasamurthy Surendranath | Additional Director | 20 Mar 2024 | 2 Years 4 Months | Current |
Financials of Xpay Life Private Limited FY 2024 filings available
Xpay Life Private Limited reported revenue of ₹5.61 Lakh (down 96.00% YoY) for FY 2025.
Ten-year financial statements for Xpay Life Private Limited
Historical statement values and trend charts require an active report plan.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Xpay Life Private Limited
Shareholding and ownership data for Xpay Life Private Limited
Promoter, institutional, public, and beneficial ownership values require an active report plan.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings Xpay Life Private Limited
Xpay Life Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Xpay Life Private Limited
Xpay Life Private Limited has a workforce of 0 employees as of Apr 05, 2024.
Employee and EPFO history for Xpay Life Private Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Xpay Life Private Limited
GST registrations and filing compliance for Xpay Life Private Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
Credit Ratings, Litigation & Regulatory Alerts for Xpay Life Private Limited
Credit ratings, litigation, and regulatory alerts for Xpay Life Private Limited
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- 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 Xpay Life Private Limited
MSME payment history for Xpay Life Private Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- 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 Xpay Life Private Limited
Corporate group structure for Xpay Life Private Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Xpay Life Private Limited
MCA filings and documents for Xpay Life Private Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Xpay Life Private Limited
Recent News on Xpay Life Private Limited
Frequently Asked Questions about Xpay Life Private Limited
Xpay Life Private Limited is an active private limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 11 August 2016 (10+ years old) and is registered under CIN U74999MH2016PTC284682.
Xpay Life Private Limited reported revenue of ₹5.61 Lakh for FY 2025 (down 96.00% YoY).
The current directors of Xpay Life Private Limited are:
- Vandana Singh - Director
- Rohit Kumar - Director
- Deepak Ananth - Director
- Ballapuram Srinivasamurthy Surendranath - Additional Director
The primary industry of Xpay Life Private Limited is financial services. The company specifically operates in digital payment solutions. The company is currently active in this sector.
Yes, Xpay Life Private Limited is recognised as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT).
Xpay Life Private Limited can be reached at the registered office: Plot No.75 Behind Metro House Cst Road Kalina Bandra Kurla Complex Santacruz Ea, St, Mumbai, Maharashtra, India – 400098, or through the website xpay.life.