What we do Kumbhat Financial Services Ltd is an Indian NBFC providing commercial loans to businesses primarily, focusing on financing to drive growth in diverse financial services. |
Founded in 1,993 |
Market share Established NBFC with steady growth in commercial loan financing, meeting RBI scale-based regulatory norms. |
Problem solved Addresses credit needs of small and medium enterprises lacking easy access to bank financing, fueling business growth. |
Top clients or who we serve SMEs and commercial enterprises in India, primarily B2B customers seeking tailored loan products. |
Key management Sanjay Kumbhat (Managing Director), Sarika Kumbhat (Director), V. Premalatha (Chief Financial Officer) |
Our journey and innovations Incorporated in 1993, public issue in 1995, adoption of Ind-AS standards from 2019, compliance with RBI regulations, preferential share issue to enhance capital base. |
Where we operate Operations focused in various regions across India, with headquarters in Chennai. |
Top products or what we offer Commercial loans and other financial services aimed at SMEs and business clients. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is mainly from interest on commercial loans, reflecting recurring income characteristics. |
Our industry position Compliant NBFC meeting prudential norms with growing loan book and improving profitability. |
Financial highlights FY 2024-25 revenue Rs. 2.04 crore; net profit Rs. 1.36 crore; significant profit turnaround from previous losses. |
Geographical revenue split Majority of revenue earned from within India, focused on Tamil Nadu and nearby regions. |
Order book - |
Whats driving growth Rising demand for commercial credit among SMEs, RBI compliance fostering investor confidence, capital infusion through preferential share issue. |
Our future plans Focus on expanding loan book responsibly to meet RBI net owned fund targets, improve profitability, and sustain growth. |
Our green promise - |
Our people and values Committed to ethical practices, governance, and a safe, inclusive workplace culture. |
Key challenges ahead Managing risks related to economic slowdown, regulatory changes, and trade-related uncertainties. |
Interesting facts Achieved RBI mandated net owned fund of Rs. 5 crores by March 2025, strengthening financial base. |
Risks and strategy Proactively address credit risk, technology adoption for risk management, and regulatory compliance with continuous monitoring. |
