Bss Sonata Microcredit Limited - Company overview

Bssmfi was incorporated on 5 April 1994 and is registered with ROC Bangalore.

1994-04-05 Bangalore, Karnataka Active Unlisted Active Compliant
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Key Metrics Public MCA facts are exact. Revenue, profit, assets, and employee figures may show as ranges until unlocked.

REVENUE
₹500–1000 Cr
▲ 72.5%
FY 2024
PROFIT / LOSS
₹100–500 Cr
▲ 42.5%
FY 2024
EBITDA
₹100–500 Cr
▲ 38.2%
FY 2024
NET WORTH
₹1000+ Cr
▲ 66.8%
FY 2024
TOTAL ASSETS
₹1000+ Cr
▲ 73.1%
FY 2024
EMPLOYEE COUNT
7,261–7,270
OPEN CHARGES
9
-
PAID-UP CAPITAL
31.84 cr
AUTHORISED CAPITAL
40.00 cr
COMPANY AGE
32 Years 6 Months
since 1994-04-05
LAST FILING WITH ROC
2025-03-31
Last AGM: 2025-06-20
ACTIVE GST
11
Updated: 2023-10-25 19:08:26
TOTAL MONEY RAISED
₹1–5 Cr
SATISFIED CHARGES
105
1,464.58 cr

Company Health Scores Scores from 0–100 based on filings, compliance signals, financials, and board history on this profile.

Health scores for Bssmfi covering vendor trust, statutory compliance, financial health and director risk - derived from MCA filings, GST and EPFO records, financial statements and the company's board history.

Vendor Trust Score Low risk
76/100
Overall counterparty comfort for vendors and customers.
  • Blend of compliance (51), financial health (90), director (85) and company-foundation signals.
  • Operating for 32+ years.
Compliance Score Moderate
51/100
Statutory filings, status and regulatory flags.
  • Company status is Active as per MCA.
  • Last balance sheet filed for Mar 2025 - slightly behind.
Financial Health Score Low risk
90/100
Profitability, leverage and liquidity from filed statements.
  • Profitable in FY 2024.
  • Positive net worth.
Director Risk Score Low risk
85/100
Board strength, DIN status and churn.
  • 4 directors on the board.
  • No disqualified or deactivated DINs on the current board.
Scores are derived from MCA filings, financial statements and public records on this page. Higher is safer. They are indicative, not a credit rating.
360° Intelligence Report: trust score, financial health, credit risk, growth & distress signals - auto-generated from filings. View report →

About Bssmfi Company identity, industry, contact, and registration details from MCA and company records.

Bssmfi was incorporated on 5 April 1994 and is registered with ROC Bangalore. It is an active public limited company, now more than 32 years old. The registered office is in Bangalore, Karnataka. Earlier names on record include Oyster Capitals Pvt Ltd and Bss Microfinance Private Limited.

In its MCA filings the main business is listed as other financial activities, which made up 100% of turnover.

It has four directors: Shwetha Kalappa, Manish Kothari, Anup Kumar Singh and Devarajan Kannan. The longest-serving is Devarajan Kannan, on the board since 2017; the most recent to join is Anup Kumar Singh, appointed in October 2025. 20 former directors are on record; the most recent to leave was Tapobrat Chaudhuri in November 2025. Between them, the directors also sit on the boards of 2 other companies, including Sonata Finance Private Limited and Zayaka Proventures LLP.

₹31.84 crore of its ₹40 crore authorised capital is paid up (about 80%). Its latest balance sheet on MCA is for the year ending 31 March 2025, and the last AGM was on 20 June 2025. Nine charges (secured loans) are still open, and 105 more have been paid off.

Financial Services ••••••••
  • Location No.11, 2Nd Block, 2Nd Stage, Outer Ring Road, Near Bda Complex, Nagarabhavi Layout, Bangalore, Karnataka - 560072
  • Website bssmfi.com
Name History
Legal NameBss Sonata Microcredit Limited
CIN / LLPINU66190KA1994PLC049746
Company No.049746
ClassificationPublic Limited Indian Non-Government Company
Incorporation Date1994-04-05
Date of AGM2025-06-20
Date of Balance Sheet2025-03-31
Listing StatusUnlisted
ROC CodeRoc Bangalore
PAN
LEI Number
Active ComplianceActive Compliant

Current Directors of Bssmfi (4) Current board members from MCA filings, including designation and appointment details.

S
Director | Since 2023-06-28 | DIN: 10214941
M
Director | Since 2024-04-23 | DIN: 10546805
A
CEO | Since 2025-10-18 | DIN: 00173413
D
Director | Since 2017-09-27 | DIN: 00498935

Financial Performance of Bssmfi Bands and Low / Medium / High trend shape. Exact figures unlock with your report.

Estimated bands · FY 2024
Revenue ₹500–1000 Cr ▲ 72.5%
P&L ₹100–500 Cr ▲ 42.5%
EBITDA ₹100–500 Cr ▲ 38.2%
Net worth ₹1000+ Cr ▲ 66.8%

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Charges of Bssmfi Open and satisfied charges registered against the company with MCA.

Others : 65.00 cr
Indian Bank : 30.00 cr
Canara Bank : 20.00 cr
Open Charges: 9 Satisfied Charges: 105
Open -
Satisfied 1,464.58 cr
LenderAmountStatus
Others
Creation Date: 30 Jun 2017
30.00 cr Closed
Others
Creation Date: 21 Jun 2017
20.00 cr Closed
Indian Bank
Creation Date: 30 Mar 2017
30.00 cr Closed

Business Activity Principal business activity and turnover mix from MCA filings.

Activity GroupDescriptionTurnover %
Financial and insurance ServiceOther financial activities100

Companies With Common Directors Of Bssmfi Other companies that share directors with this entity, based on MCA and compliance network data.

Financial Ratios of Bssmfi Profitability, leverage, and liquidity ratios from filed statements. Exact values unlock with your report.

10 years of ratios on record

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Net profit margin Debt / Equity Current ratio ROE

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Shareholding Pattern of Bssmfi Ownership and contribution detail from filings. Full breakdown unlocks with your report.

8 shareholder categories on record

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Ownership mix Category breakdown Year-wise pattern Promoter holding

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Employees and EPFO Compliance at Bssmfi EPFO establishments, contributions, and headcount history. Full records unlock with your report.

1 establishment linked

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Monthly headcount PF contributions ECR filing status Establishment history

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GST Compliance of Bssmfi GST registrations and filing status by state. Full compliance detail unlocks with your report.

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

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Credit Ratings, Litigation & Regulatory Alerts for Bssmfi Ratings, court records, and regulatory alerts. Full risk detail unlocks with your report.

1 regulatory flag on record

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Rating history Court and tribunal cases Regulatory alerts Director-linked violations

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MSME Payment Delays by Bssmfi MSME supplier payment delays and filing history. Full amounts unlock with your report.

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

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MCA Filings & Documents of Bssmfi Official MCA forms, returns, and filing index. Document access unlocks with your report.

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Incorporation documents Annual returns and statements Charge filings Complete filing index

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Frequently Asked Questions about Bssmfi Common questions about this company from MCA and profile data. Some answers are limited until unlocked.
Who is the owner of Bssmfi?
MCA does not publish an "owner" field. Bssmfi is run by its directors, Shwetha Kalappa, Manish Kothari, Anup Kumar Singh and one other. The people who own the shares are listed in its annual return (form MGT-7), which can differ from the directors.
Who are the current board members and directors of Bssmfi?
Bssmfi has four current directors: Shwetha Kalappa (since June 2023), Manish Kothari (since April 2024), Anup Kumar Singh (since October 2025) and Devarajan Kannan (since September 2017).
What is CIN of Bssmfi?
The CIN of Bssmfi is U66190KA1994PLC049746. Reading it left to right: U means it is not listed, 66190 is the industry code it registered under, KA is Karnataka, 1994 is the year it was registered, PLC is the company type and 049746 is its registration number.
When was Bssmfi incorporated?
Bssmfi was incorporated on 5 April 1994 with ROC Bangalore. That makes it more than 32 years old.
What is the registered address of Bssmfi?
The registered office on MCA records is No.11, 2Nd Block, 2Nd Stage, Outer Ring Road, Near Bda Complex, Nagarabhavi Layout, Bangalore, Karnataka - 560072.
What is the current status of Bssmfi?
MCA shows Bssmfi as Active, and its last AGM on record was in June 2025.
What is the contact number or email for Bssmfi?
You can post to its registered office at No.11, 2Nd Block, 2Nd Stage, Outer Ring Road, Near Bda Complex, Nagarabhavi Layout, Bangalore, Karnataka - 560072 and use its website, https://bssmfi.com.
What industry or business activity is Bssmfi associated with?
Its MCA filings list the main business as other financial activities (100% of turnover).
What is paid-up capital and authorised share capital of Bssmfi?
Paid-up capital is ₹31.84 crore and authorised capital is ₹40 crore, so about 80% of the authorised amount has been issued.
When did Bssmfi last file accounts and hold an AGM?
The last AGM on record was on 20 June 2025, and the latest balance sheet is for the year ending 31 March 2025.
Where can I see charges and lenders for Bssmfi?
Nine charges against Bssmfi are still open and 105 have been satisfied. Lenders named in the filings include Indian Bank and Canara Bank.
Have any directors left Bssmfi?
Yes, 20 former directors are on record. The most recent to leave were Tapobrat Chaudhuri (November 2025), Narayan Subramaniam Ayypankav (May 2022) and Chandrashekhar Shrikrishna Sathe (January 2022).
Which companies share directors with Bssmfi?
2 companies share directors with Bssmfi: Sonata Finance Private Limited and Zayaka Proventures LLP.
What is the turnover or revenue of Bssmfi?
Based on filed financial statements, the revenue of Bssmfi for FY 2024 was in the ₹500–1000 Cr range. That is up 72.5% on the previous year. Exact year-wise revenue, profit and balance sheet figures are on the Financial tab.
What is the net worth of Bssmfi?
For FY 2024, the net worth of Bssmfi was in the ₹1000+ Cr range.
How can I get the financial details of Bssmfi?
The latest accounts on record are for FY 2024. The Financial tab has year-wise profit and loss, balance sheet and ratios, with exact figures after you sign in.
What is the official website of Bssmfi?
The website on record for Bssmfi is https://bssmfi.com.
Which company owns bssmfi.com?
bssmfi.com is the website listed for Bss Sonata Microcredit Limited in its company records.
Bssmfi - is it listed or unlisted?
Bssmfi is unlisted, so its shares are not traded on a stock exchange. Its CIN starts with U for the same reason.
What is the ROC code of Bssmfi?
Bssmfi is registered with ROC Bangalore.
What is the company classification of Bssmfi?
MCA classifies Bssmfi as: Public Limited Indian Non-Government Company.
Does Bssmfi have GST registrations on file?
Yes, 11 active GST registrations are linked to Bssmfi, usually one per state it operates in.

Disclaimer: Data on this page is compiled from public sources as available in our system at the time of the last update and is for general information only. Scores are derived indicators, not credit ratings or advice - please verify from official sources and consult a professional before making any business or financial decision.