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Lendingkart Technologies
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Registered Details

LENDINGKART TECHNOLOGIES PRIVATE LIMITED

www.lendingkart.com

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Gujarat ›

Computer Related Services ›

LENDINGKART TECHNOLOGIES PRIVATE LIMITED

Active

Updated: 07 Sep 2026

Lendingkart Technologies Private Limited is a financial technology company that specializes in providing digital lending solutions to small and medium-sized enterprises in India. It offers products such as working capital loans and business loans, utilizing data analytics and technology to streamline the borrowing process and enable quick access to funds for businesses.

Lendingkart Technologies Private Limited, also popularly known as Lendingkart, is an unlisted private company incorporated on 15 December, 2014. It is classified as a private limited company and is located in Ahmadabad City, Gujarat. It's authorized share capital is INR 16.98 cr and the total paid-up capital is INR 9.52 cr.

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Industry and products

Computer Related Services

technology tools based on big data analysis that facilitate lenders to evaluate borrower’s credit worthiness and provide other related services.

Company size

Auth Capital

₹ 17.0 Cr

Paidup Capital

₹ 9.5 Cr

Revenue

₹ 50-75 cr

Key Metrics

** All rupee values in INR crores. Based on March 2025 numbers.

Total Revenue

-47.4%

₹ 70.6

EBITDA

₹ -29.1

Net Profit

₹ -164.0

Networth

17.43%

₹ 920.2

Borrowings

-1.16%

₹ 285.9

Assets

11.25%

₹ 1,247.1

Gross Margin

100.0 %

Operating Margin

-47.73

-59.4 %

Net Profit Margin

-192.1

-232.3 %

Return on Equity

-10.93

-17.8 %

ROCE

-7323.69

-7,386.3 %

Debt to Equity

-0.06

0.3

Sales

Mar 2025

Net worth

Mar 2025

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Locations

India (4)

State	Type	Address

Locations on Map

People

Designation	Name	DIN/PAN	Tenure
Director	Anindo Mukherjee	00019375	8 years
Director	Pavan Pal Kaushal	07117387	4 years
Director	Hong Ping Yeo	08401270	7 years
Director	Venkateswara Rao Thallapaka	05273533	1 years

Financial Highlights

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	4.1	5.5	61.1	95.3	48.9
Operating profit	-35.7	-43.7	-20.2	-11.1	-29.1
Net profit	-46.7	-62.0	16.1	-54.0	-164.0
Gross margin	100.0	100.0	100.0	100.0	100.0
Operating margin	-871.4	-800.7	-33.1	-11.7	-59.4
Net margin	-359.5	-703.2	18.8	-40.2	-232.3
Networth	860.8	773.3	797.9	783.7	920.2
Borrowings	3.3	76.8	89.2	289.2	285.9
Assets	880.5	867.0	914.6	1,121.0	1,247.1
Debt to equity	0.0	0.1	0.1	0.4	0.3
Current ratio	7.0	6.7	1.7	0.9	0.7
ROE	-5.4	-8.0	2.0	-6.9	-17.8
Days payable	-	-	-	-	-
WC days	7,146.0	5,746.0	143.0	-69.0	-550.0

Margins

Gross margin

Operating margin

Net margin

Balance Sheet

Standalone

Consolidated

₹

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	2.5	2.5	2.5	2.5	4.0
Reserves	858.3	770.7	795.4	781.1	916.2
Borrowings +	3.3	76.8	89.2	289.2	285.9
Long term borrowings	-	74.3	75.4	164.9	89.4
Short term borrowings	3.3	2.5	13.8	124.3	196.5
Trade payables +	-	3.6	3.1	5.1	6.4
Days payable	-	-	-	-	-
Other liabilities +	16.4	13.3	24.4	43.0	34.6
Other non-current liabilities	6.3	4.4	5.1	18.4	15.6
Other current liabilities	10.0	8.9	19.3	24.6	18.9
Total liabilities	880.5	867.0	914.6	1,121.0	1,247.1
Fixed Assets +	31.1	44.5	69.9	103.5	74.8
Tangible assets	4.6	3.7	3.0	11.2	7.3
CWIP	0.8	1.8	3.4	2.7	2.7
Intangible assets	25.6	39.0	63.5	89.7	64.8
LT loans and advances	34.6	-	-	82.5	16.3
Other non-current assets	721.4	721.5	784.6	798.9	1,007.9
Current assets +	93.5	101.0	60.1	136.2	148.1
Inventories	-	-	-	-	-
Trade receivables	-	1.2	10.3	17.3	7.7
Cash and cash equivalents	1.3	63.1	25.3	47.5	43.2
ST loans and advances	-	-	-	17.5	68.2
Other current assets	92.2	36.7	24.4	53.9	29.1
Total assets	880.5	867.0	914.6	1,121.0	1,247.1

Percentage of assets	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.29	0.29	0.28	0.22	0.32
Reserves	97.48	88.9	86.97	69.68	73.46
Borrowings +	0.38	8.85	9.75	25.8	22.92
Long term borrowings	0.0	8.57	8.24	14.71	7.17
Short term borrowings	0.38	0.28	1.51	11.09	15.75
Trade payables	0.0	0.42	0.34	0.46	0.52
Other liabilities +	1.86	1.53	2.67	3.84	2.77
Other non-current liabilities	0.72	0.51	0.55	1.64	1.25
Other current liabilities	1.14	1.02	2.11	2.2	1.52
Total liabilities
Fixed Assets +	3.53	5.13	7.64	9.23	6.0
Tangible assets	0.53	0.43	0.33	1.0	0.59
CWIP	0.09	0.21	0.37	0.24	0.21
Intangible assets	2.91	4.5	6.94	8.0	5.2
LT loans and advances	3.93	0.0	0.0	7.36	1.31
Other non-current assets	81.93	83.22	85.79	71.27	80.82
Current assets +	10.61	11.65	6.57	12.15	11.88
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	0.0	0.14	1.13	1.54	0.61
Cash and cash equivalents	0.14	7.27	2.77	4.24	3.46
ST loans and advances	0.0	0.0	0.0	1.56	5.47
Other current assets	10.47	4.24	2.67	4.81	2.34
Total assets

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	2.5	2.5	2.5	2.5	4.0
Reserves	848.2	654.2	781.6	824.3	671.4
Borrowings +	1,635.0	1,873.5	1,769.4	2,630.5	1,871.3
Long term borrowings	688.2	673.9	708.0	1,115.5	564.6
Short term borrowings	946.8	1,199.6	1,061.4	1,515.0	1,306.7
Trade payables +	-	3.6	3.1	12.6	14.8
Days payable	-	-	-	-	-
Other liabilities +	158.3	250.7	469.9	348.7	233.3
Other non-current liabilities	82.1	127.7	190.0	152.5	93.6
Other current liabilities	76.2	123.1	279.9	196.3	139.6
Total liabilities	2,644.1	2,784.5	3,026.5	3,818.6	2,794.8
Fixed Assets +	58.7	66.7	88.9	139.3	104.2
Tangible assets	29.6	24.6	21.5	46.4	35.9
CWIP	2.8	2.4	3.4	2.7	3.2
Intangible assets	26.3	39.7	64.0	90.2	65.1
LT loans and advances	1,144.3	1,105.7	1,034.2	1,276.5	659.7
Other non-current assets	88.1	221.3	304.6	291.8	315.0
Current assets +	1,353.0	1,390.9	1,598.8	2,111.0	1,715.9
Inventories	-	-	-	-	-
Trade receivables	-	-	3.5	7.2	3.6
Cash and cash equivalents	289.3	276.0	206.0	418.4	280.4
ST loans and advances	794.4	810.3	722.7	836.9	695.8
Other current assets	269.3	304.6	666.7	848.4	736.1
Total assets	2,644.1	2,784.5	3,026.5	3,818.6	2,794.8

Percentage of assets	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.1	0.09	0.08	0.07	0.14
Reserves	32.08	23.49	25.82	21.59	24.02
Borrowings +	61.84	67.28	58.46	68.89	66.96
Long term borrowings	26.03	24.2	23.39	29.21	20.2
Short term borrowings	35.81	43.08	35.07	39.67	46.76
Trade payables	0.0	0.13	0.1	0.33	0.53
Other liabilities +	5.99	9.0	15.53	9.13	8.35
Other non-current liabilities	3.1	4.58	6.28	3.99	3.35
Other current liabilities	2.88	4.42	9.25	5.14	5.0
Total liabilities
Fixed Assets +	2.22	2.39	2.94	3.65	3.73
Tangible assets	1.12	0.88	0.71	1.22	1.28
CWIP	0.11	0.08	0.11	0.07	0.11
Intangible assets	0.99	1.43	2.11	2.36	2.33
LT loans and advances	43.28	39.71	34.17	33.43	23.6
Other non-current assets	3.33	7.95	10.06	7.64	11.27
Current assets +	51.17	49.95	52.83	55.28	61.4
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	0.0	0.0	0.12	0.19	0.13
Cash and cash equivalents	10.94	9.91	6.81	10.96	10.03
ST loans and advances	30.05	29.1	23.88	21.92	24.9
Other current assets	10.18	10.94	22.03	22.22	26.34
Total assets

Total assets

Profit & Loss

Standalone

Consolidated

₹

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales +	4.1	5.5	61.1	95.3	48.9
Sales growth %	-10.52	33.56	1018.54	55.97	-48.66
Expenses +	59.7	70.9	121.6	188.2	189.0
Cost of goods	-	-	-	-	-
Employee cost	26.8	27.4	35.6	51.6	43.7
Other costs	13.0	21.9	45.8	54.8	34.3
Operating profit +	-35.7	-43.7	-20.2	-11.1	-29.1
Operating margin %	-871.4	-800.7	-33.1	-11.7	-59.4
Other income	8.9	3.4	24.6	38.9	21.7
Interest	2.2	1.3	12.5	39.3	57.9
Depreciation	17.8	20.3	27.7	42.5	53.1
Exceptional items	-	-	-	-	-45.6
Profit before tax	-46.7	-62.0	-35.9	-54.0	-164.0
Tax	-	-	-52.0	-	-
Profit - disc. ops	-	-	-	-	-
Net profit	-46.7	-62.0	16.1	-54.0	-164.0
Net margin %	-359.5	-703.2	18.8	-40.2	-232.3

Precentage of total income	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	31.48	61.93	71.3	71.02	69.32
Expenses +	459.54	803.17	141.84	140.24	267.77
Cost of goods	0.0	0.0	0.0	0.0	0.0
Employee cost	205.92	310.02	41.5	38.44	61.88
Other costs	99.91	247.79	53.4	40.86	48.6
Operating profit	-274.34	-495.88	-23.6	-8.28	-41.16
Other income	68.52	38.07	28.7	28.98	30.68
Interest	17.07	15.2	14.63	29.27	82.05
Depreciation	136.64	230.17	32.32	31.67	75.25
Exceptional items	0.0	0.0	0.0	0.0	-64.57
Profit before tax	-359.54	-703.17	-41.84	-40.24	-232.34
Tax	0.0	0.0	-60.66	0.0	0.0
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	-359.54	-703.17	18.82	-40.24	-232.34

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales +	474.9	616.4	798.5	1,090.6	848.7
Sales growth %	6.47	29.79	29.53	36.59	-22.19
Expenses +	518.6	889.0	751.5	1,194.3	1,405.0
Cost of goods	-	-	-	-	-
Employee cost	63.6	71.9	113.3	199.0	208.4
Other costs	245.7	552.3	355.6	649.9	810.7
Operating profit +	165.7	-7.7	329.6	241.8	-170.4
Operating margin %	34.9	-1.2	41.3	22.2	-20.1
Other income	25.0	26.7	59.6	127.2	49.5
Interest	184.7	238.8	249.7	293.5	322.8
Depreciation	24.6	26.0	33.0	51.9	63.1
Exceptional items	-	-	-	-	-51.5
Profit before tax	-18.6	-245.9	106.5	23.6	-558.2
Tax	9.8	-42.5	-12.3	20.3	-108.1
Profit - disc. ops	-	-	-	-	-
Net profit	-28.4	-203.4	118.8	3.3	-450.1
Net margin %	-5.7	-31.6	13.8	0.3	-50.1

Precentage of total income	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	94.99	95.85	93.06	89.55	94.49
Expenses +	103.72	138.23	87.59	98.07	156.42
Cost of goods	0.0	0.0	0.0	0.0	0.0
Employee cost	12.72	11.17	13.2	16.34	23.2
Other costs	49.14	85.88	41.44	53.36	90.26
Operating profit	33.13	-1.2	38.41	19.85	-18.97
Other income	5.01	4.15	6.94	10.45	5.51
Interest	36.94	37.14	29.1	24.1	35.93
Depreciation	4.92	4.04	3.84	4.26	7.03
Exceptional items	0.0	0.0	0.0	0.0	-5.73
Profit before tax	-3.72	-38.23	12.41	1.93	-62.15
Tax	1.97	-6.61	-1.43	1.67	-12.04
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	-5.69	-31.62	13.85	0.27	-50.11

Revenue from operations

Ratios

Standalone

Consolidated

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Solvency +
Total Debt/Equity	0.0	0.1	0.1	0.4	0.3
Net Debt/Equity	0.0	0.0	0.1	0.3	0.3
Total Debt/Assets	0.0	0.1	0.1	0.3	0.2
Total Assets/Equity	1.0	1.1	1.1	1.4	1.4
Liquidity +
Current Ratio	7.0	6.7	1.7	0.9	0.7
Quick Ratio	7.0	6.7	1.7	0.9	0.7
Interest Coverage	-16.1	-32.6	-1.6	-0.3	-0.5
Performance
Gross Margin	100.0	100.0	100.0	100.0	100.0
Operating Margin	-871.4	-800.7	-33.1	-11.7	-59.4
Net Margin	-359.5	-703.2	18.8	-40.2	-232.3
Return +
Return on Equity	-5.4	-8.0	2.0	-6.9	-17.8
Pre-tax ROCE	-48.0	-49.1	-51.1	-62.6	-7,386.3
Return on Assets	-5.3	-7.2	1.8	-4.8	-13.2
Pre-tax ROIC	-6.2	-8.1	-5.6	-5.2	-7.1
Efficiency +
Days Payable	-	-	-	-	-
Days Inventory	-	-	-	-	-
Days Receivable	0.0	80.0	62.0	66.0	57.0
Fixed Asset Turnover	0.1	0.1	0.9	0.9	0.7
Total Asset Turnover	0.0	0.0	0.1	0.1	0.0
Working Capital
Cash Conversion Cycle	0.0	80.0	62.0	66.0	57.0
Working Capital Days	7,146.0	5,746.0	143.0	-69.0	-550.0

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Solvency +
Total Debt/Equity	1.9	2.9	2.3	3.2	2.8
Net Debt/Equity	1.6	2.4	2.0	2.7	2.4
Total Debt/Assets	0.6	0.7	0.6	0.7	0.7
Total Assets/Equity	3.1	4.2	3.9	4.6	4.1
Liquidity +
Current Ratio	1.3	1.1	1.2	1.2	1.2
Quick Ratio	1.3	1.1	1.2	1.2	1.2
Interest Coverage	0.9	-0.0	1.3	0.8	-0.5
Performance
Gross Margin	100.0	100.0	100.0	100.0	100.0
Operating Margin	34.9	-1.2	41.3	22.2	-20.1
Net Margin	-5.7	-31.6	13.8	0.3	-50.1
Return +
Return on Equity	-3.3	-31.0	15.2	0.4	-66.6
Pre-tax ROCE	36.3	-25.7	86.4	36.1	-65.1
Return on Assets	-1.1	-7.3	3.9	0.1	-16.1
Pre-tax ROIC	6.4	-1.5	12.6	6.2	-10.3
Efficiency +
Days Payable	-	-	-	-	-
Days Inventory	-	-	-	-	-
Days Receivable	0.0	0.0	2.0	2.0	2.0
Fixed Asset Turnover	8.1	9.2	9.0	7.8	8.2
Total Asset Turnover	0.2	0.2	0.3	0.3	0.3
Working Capital
Cash Conversion Cycle	0.0	0.0	2.0	2.0	2.0
Working Capital Days	254.0	38.0	116.0	130.0	110.0

Ratios

Current ratio

Debt/equity ratio

Charges on assets

As per information available, the company has no registered charges.

Company Network

Companies connected through Directors

Name	Status	Paid up Capital	Common Directors	Address
LENDINGKART FINANCE LIMITED	Active	194.0 Cr	4	Maharashtra
LADDERUP FINANCE LIMITED	Active	12.9 Cr	1	Maharashtra
MUNZ FINTECH PRIVATE LIMITED	Strike Off	3.0 Cr	1	Telangana
WEST END INVESTMENT AND FINANCE CONSULTANCY PVT LTD	Active	99.7 L	1	Maharashtra
STCI PRIMARY DEALER LIMITED	Active	150.0 Cr	1	Maharashtra
EASY HOME FINANCE LIMITED	Active	59.2 Cr	1	Maharashtra
BGSE FINANCIALS LIMITED	Active	14.7 Cr	1	Karnataka
MITCON CREDENTIA TRUSTEESHIP SERVICES LIMITED	Active	10.5 Cr	1	Maharashtra
ALKALI METALS LTD.	Active	10.2 Cr	1	Telangana
CUPID LIMITED	Active	134.5 Cr	1	Maharashtra
INDIAN IMMUNOLOGICALS LIMITED	Active	54.0 Cr	1	Telangana
INNOVEN CAPITAL INDIA PRIVATE LIMITED	Active	9.2 Cr	1	Maharashtra
PNB HOUSING FINANCE LIMITED	Active	260.1 Cr	1

Subsidiary Companies

Name	State / Country	Incorporation Year	Paidup Capital
LENDINGKART FINANCE LIMITED	Maharashtra	1996	₹ 194.0 Cr
LENDINGKART ACCOUNT AGGREGATOR PRIVATE LIMITED	Maharashtra	2019	₹ 4.0 Cr

Tofler Score

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Good

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Risk

Severe Risk

VERY LOW INTEREST COVERAGE

Moderate Risk

LOSS MAKING
LOW ROCE
REVENUE BELOW AVERAGE

Low Risk

REVENUE DECLINE

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CIN

U72900GJ2014PTC081539

Incorporation

2014, 11.7 years

Company Email

CS@LENDINGKART.COM

Paid up Capital

₹ 9.5 Cr

Authorised Capital

₹ 17.0 Cr

AGM

Sep 2025

Type

Private

Others

FAQ - LENDINGKART TECHNOLOGIES PRIVATE LIMITED

What is the incorporation date of LENDINGKART TECHNOLOGIES PRIVATE LIMITED?

The incorporation date of LENDINGKART TECHNOLOGIES PRIVATE LIMITED is 15 December, 2014

What is the authorized share capital of LENDINGKART TECHNOLOGIES PRIVATE LIMITED?

The authorized share capital of LENDINGKART TECHNOLOGIES PRIVATE LIMITED is INR ₹ 17.0 Cr.

What is the paid-up capital of LENDINGKART TECHNOLOGIES PRIVATE LIMITED?

The paid-up capital of LENDINGKART TECHNOLOGIES PRIVATE LIMITED is INR ₹ 9.5 Cr.

What is the registered address of LENDINGKART TECHNOLOGIES PRIVATE LIMITED?

The registered address of LENDINGKART TECHNOLOGIES PRIVATE LIMITED is 6th Floor, Indraprasth Business Park Near DAV School, Makarba Ahmadabad City Gujarat - 380051

What is the CIN number of LENDINGKART TECHNOLOGIES PRIVATE LIMITED?

The CIN number of LENDINGKART TECHNOLOGIES PRIVATE LIMITED is U72900GJ2014PTC081539.

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