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BHARAT FINANCIAL INCLUSION LIMITED
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Updated: 24 Sep 2026
Bharat Financial Inclusion Limited is a leading microfinance company focused on providing financial services to the unbanked and underbanked segments of the population. It offers a range of financial products including micro-loans, insurance, and savings plans, empowering individuals and small businesses to access credit and improve their economic stability.
Bharat Financial Inclusion Limited, is an unlisted public company incorporated on 06 August, 2018. It is classified as a public limited company and is located in Mumbai, Maharashtra. It's authorized share capital is INR 60.00 cr and the total paid-up capital is INR 43.70 cr.
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Industry and products
Finance
- Other financial activities
Company size
₹ 60.0 Cr
₹ 43.7 Cr
₹ 2250-2500 cr
Auth Capital
Paidup Capital
Revenue
Key Metrics
** All rupee values in INR crores. Based on March 2024 numbers.
Total Revenue
34.53%
34.53%
EBITDA
-12.11%
-12.11%
Net Profit
-47.03%
-47.03%
Networth
6.39%
6.39%
Borrowings
-
Assets
-18.56%
-18.56%
Gross Margin
-
Operating Margin
-2.97
-2.97
Net Profit Margin
-1.79
-1.79
Return on Equity
-6.09
-6.09
ROCE
-14.24
-14.24
Debt to Equity
-
Sales
Mar 2024
Net worth
Mar 2024
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Locations
India
(286)
| State | Type | Address |
|---|
Locations on Map
Locations on Map
Filter (4)
Filter (4)
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Choose Location
People
| Designation | Name | DIN/PAN | Tenure |
|---|---|---|---|
| Director | Kandikuppa Subrahmanyam . | 06576376 | 5 years |
| Additional Director | Anil Marco Rao
Shareholder
|
06395743 | 4 years |
| Ceo | Tapobrat Chaudhuri | 09291548 | 1 years |
| Director | Shabnam Sinha | 00395378 | 0 years |
| Director | Atul Arora | 01999097 | 0 years |
| Director | Rajiv Anand | 02541753 | 1 years |
Financial Highlights
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| Sales | 880.3 | 1,310.2 | 1,622.4 | 1,724.8 | 2,323.9 |
| Operating profit | 67.7 | 221.0 | 307.1 | 147.1 | 129.3 |
| Net profit | 40.0 | 153.5 | 180.5 | 51.3 | 27.2 |
| Gross margin | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
| Operating margin | 7.7 | 16.9 | 18.9 | 8.5 | 5.6 |
| Net margin | 4.5 | 11.7 | 11.0 | 3.0 | 1.2 |
| Networth | 83.0 | 176.5 | 369.5 | 422.4 | 449.4 |
| Borrowings | - | - | - | - | - |
| Assets | 346.2 | 1,008.8 | 1,012.0 | 1,225.9 | 998.5 |
| Debt to equity | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Current ratio | 0.9 | 1.0 | 1.4 | 1.2 | 1.3 |
| ROE | 48.1 | 87.0 | 48.9 | 12.1 | 6.0 |
| Days payable | - | - | - | - | - |
| WC days | -13.0 | -4.0 | 51.0 | 34.0 | 24.0 |
Margins
Gross margin
Operating margin
Net margin
Balance Sheet
₹
%
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| Equity Capital | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 |
| Reserves | 39.3 | 132.8 | 325.8 | 378.7 | 405.7 |
| Borrowings + | - | - | - | - | - |
| Long term borrowings | - | - | - | - | - |
| Short term borrowings | - | - | - | - | - |
| Trade payables + | - | - | - | - | - |
| Days payable | - | - | - | - | - |
| Other liabilities + | 263.2 | 832.3 | 642.5 | 803.5 | 549.0 |
| Other non-current liabilities | 17.8 | 35.1 | 41.5 | 36.4 | 72.5 |
| Other current liabilities | 245.3 | 797.2 | 601.0 | 767.1 | 476.5 |
| Total liabilities | 346.2 | 1,008.8 | 1,012.0 | 1,225.9 | 998.5 |
| Fixed Assets + | 50.8 | 66.4 | 80.1 | 86.3 | 126.3 |
| Tangible assets | 42.3 | 58.2 | 73.7 | 83.6 | 123.6 |
| CWIP | 0.8 | - | - | - | - |
| Intangible assets | 7.6 | 8.2 | 6.3 | 2.7 | 2.7 |
| LT loans and advances | 74.5 | - | - | - | - |
| Other non-current assets | 7.2 | 158.8 | 102.4 | 213.3 | 245.7 |
| Current assets + | 213.7 | 783.6 | 829.6 | 926.3 | 626.5 |
| Inventories | - | - | - | - | - |
| Trade receivables | 0.2 | - | 0.4 | - | 222.4 |
| Cash and cash equivalents | 63.3 | 617.5 | 642.1 | 583.6 | 313.0 |
| ST loans and advances | 37.7 | - | - | - | - |
| Other current assets | 112.5 | 166.1 | 187.1 | 342.8 | 91.0 |
| Total assets | 346.2 | 1,008.8 | 1,012.0 | 1,225.9 | 998.5 |
Total assets
Profit & Loss
₹
%
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| Sales + | 880.3 | 1,310.2 | 1,622.4 | 1,724.8 | 2,323.9 |
| Sales growth % | None | 48.84 | 23.82 | 6.32 | 34.73 |
| Expenses + | 825.5 | 1,111.4 | 1,390.2 | 1,665.3 | 2,297.6 |
| Cost of goods | - | - | - | - | - |
| Employee cost | 625.6 | 841.3 | 1,016.6 | 1,173.8 | 1,519.7 |
| Other costs | 187.0 | 247.8 | 298.7 | 403.9 | 674.9 |
| Operating profit + | 67.7 | 221.0 | 307.1 | 147.1 | 129.3 |
| Operating margin % | 7.7 | 16.9 | 18.9 | 8.5 | 5.6 |
| Other income | 1.4 | 6.5 | 15.1 | 11.0 | 11.4 |
| Interest | - | - | 1.6 | 1.7 | 3.3 |
| Depreciation | 13.0 | 22.2 | 73.4 | 85.8 | 99.7 |
| Exceptional items | - | - | - | - | - |
| Profit before tax | 56.1 | 205.3 | 247.2 | 70.5 | 37.7 |
| Tax | 16.2 | 51.8 | 66.8 | 19.3 | 10.5 |
| Profit - disc. ops | - | - | - | - | - |
| Net profit | 40.0 | 153.5 | 180.5 | 51.3 | 27.2 |
| Net margin % | 4.5 | 11.7 | 11.0 | 3.0 | 1.2 |
Revenue from operations
Ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|
| Solvency + | |||||
| Total Debt/Equity | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Debt/Equity | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Debt/Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Assets/Equity | 4.2 | 5.7 | 2.7 | 2.9 | 2.2 |
| Liquidity + | |||||
| Current Ratio | 0.9 | 1.0 | 1.4 | 1.2 | 1.3 |
| Quick Ratio | 0.9 | 1.0 | 1.4 | 1.2 | 1.3 |
| Interest Coverage | - | - | 198.1 | 85.0 | 39.2 |
| Performance | |||||
| Gross Margin | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
| Operating Margin | 7.7 | 16.9 | 18.9 | 8.5 | 5.6 |
| Net Margin | 4.5 | 11.7 | 11.0 | 3.0 | 1.2 |
| Return + | |||||
| Return on Equity | 48.1 | 87.0 | 48.9 | 12.1 | 6.0 |
| Pre-tax ROCE | 285.9 | 376.2 | 75.7 | 24.9 | 10.7 |
| Return on Assets | 11.5 | 15.2 | 17.8 | 4.2 | 2.7 |
| Pre-tax ROIC | 65.9 | 112.6 | 63.2 | 14.5 | 6.6 |
| Efficiency + | |||||
| Days Payable | - | - | - | - | - |
| Days Inventory | - | - | - | - | - |
| Days Receivable | 0.0 | 0.0 | 0.0 | 0.0 | 35.0 |
| Fixed Asset Turnover | 17.3 | 19.7 | 20.3 | 20.0 | 18.4 |
| Total Asset Turnover | 2.5 | 1.3 | 1.6 | 1.4 | 2.3 |
| Working Capital | |||||
| Cash Conversion Cycle | 0.0 | 0.0 | 0.0 | 0.0 | 35.0 |
| Working Capital Days | -13.0 | -4.0 | 51.0 | 34.0 | 24.0 |
Ratios
Current ratio
Debt/equity ratio
Charges on assets
As per information available, the company has no registered charges.
Company Network
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|---|---|---|---|---|
| APNA COLD STORAGE PRIVATE LIMITED |
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22.3 L | 1 | Bihar |
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| I-PROCESS SERVICES (INDIA) PRIVATE LIMITED |
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| ICICI HOME FINANCE COMPANY LIMITED |
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| NATIONAL E- GOVERNANCE SERVICES LIMITED |
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10.5 Cr | 1 | Maharashtra |
| BOMBAY CHAMBER OF COMMERCE AND INDUSTRY |
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|
0.0 | 1 | Maharashtra |
| AKS REALBUILD PRIVATE LIMITED |
Strike Off
|
1.0 L | 1 | Delhi |
| BSS MICROFINANCE LIMITED |
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|
26.7 Cr | 1 | Karnataka |
| SONATA FINANCE PRIVATE LIMITED |
Amalgamated
|
26.5 Cr | 1 | Uttar Pradesh |
Tofler Score
Very Good
Poor
Fair
Good
Very Good
Excellent
Risk
Severe Risk
- No risks identified
Moderate Risk
- RECEIVABLES DETERIORATING
- CASH DETERIORATING
Low Risk
- EBITDA MARGINS DETERIORATING
- NET MARGIN DETERIORATING
- ROCE DETERIORATING
About Tofler Score
Tofler Score measures the quality of performance and integrity of a company. It is
dependent on three key factors - Sustainability, Governance, and Growth.
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Registered Details
CIN
U65999MH2018PLC312539Incorporation
2018, 8.2 yearsCompany Email
info@bfil.co.inPaid up Capital
₹ 43.7 CrAuthorised Capital
₹ 60.0 CrAGM
Aug 2026Type
Public
Others
FAQ - BHARAT FINANCIAL INCLUSION LIMITED
What is the incorporation date of BHARAT FINANCIAL INCLUSION LIMITED?
The incorporation date of BHARAT FINANCIAL INCLUSION LIMITED is 06 August, 2018
What is the authorized share capital of BHARAT FINANCIAL INCLUSION LIMITED?
The authorized share capital of BHARAT FINANCIAL INCLUSION LIMITED is INR ₹ 60.0 Cr.
What is the paid-up capital of BHARAT FINANCIAL INCLUSION LIMITED?
The paid-up capital of BHARAT FINANCIAL INCLUSION LIMITED is INR ₹ 43.7 Cr.
What is the registered address of BHARAT FINANCIAL INCLUSION LIMITED?
The registered address of BHARAT FINANCIAL INCLUSION LIMITED is One World Centre, Tower 1, Floor 8, 841, Senapati Bapat Marg, Elphinstone Mumbai Maharashtra - 400013
What is the CIN number of BHARAT FINANCIAL INCLUSION LIMITED?
The CIN number of BHARAT FINANCIAL INCLUSION LIMITED is U65999MH2018PLC312539.
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