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Payal Gold
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Registered Details

PAYAL GOLD PRIVATE LIMITED

payalgold.com

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Maharashtra ›

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PAYAL GOLD PRIVATE LIMITED

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Updated: 25 Mar 2026

Payal Gold Private Limited is a company in the jewelry sector that specializes in the manufacturing and retailing of gold and diamond jewelry. It offers a wide range of products including traditional and contemporary designs, catering to various customer preferences and occasions, while emphasizing quality craftsmanship and competitive pricing.

Payal Gold Private Limited, is an unlisted private company incorporated on 27 June, 2011. It is classified as a private limited company and is located in , Maharashtra. It's authorized share capital is INR 1.00 cr and the total paid-up capital is INR 13.22 lac.

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Industry and products

Trading

Surya Golds, Tukish, Fusion Jewellery etc., Gold Jewellery, Platinum Jewellery, Rose gold

Company size

Auth Capital

₹ 1.0 Cr

Paidup Capital

₹ 13.2 L

Revenue

₹ 1500-1750 cr

Key Metrics

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

Total Revenue

-15.54%

₹ 1,726.2

EBITDA

6.02%

₹ 15.0

Net Profit

10.97%

₹ 9.5

Networth

19.28%

₹ 58.5

Borrowings

48.21%

₹ 46.5

Assets

31.64%

₹ 149.1

Gross Margin

0.89

3.2 %

Operating Margin

0.18

0.9 %

Net Profit Margin

0.13

0.6 %

Return on Equity

-1.21

16.2 %

ROCE

-3.35

14.5 %

Debt to Equity

0.15

0.8

Sales

Mar 2025

Net worth

Mar 2025

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Locations

India (2)

State	Type	Address

Locations on Map

People

Designation	Name	DIN/PAN	Tenure
Director	Rushab Popatlal Sanghvi Shareholder	06463474	9 years
Director	Popatlal Babulal Sanghvi Shareholder	03084774	15 years
Director	Shobha Popatlal Sanghvi Shareholder	00373392	15 years

Financial Highlights

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	642.0	678.9	828.9	2,043.5	1,725.7
Operating profit	3.5	3.5	7.2	14.2	15.0
Net profit	2.3	2.3	4.7	8.5	9.5
Gross margin	2.2	3.5	3.6	2.3	3.2
Operating margin	0.6	0.5	0.9	0.7	0.9
Net margin	0.4	0.3	0.6	0.4	0.6
Networth	13.4	35.8	40.5	49.0	58.5
Borrowings	17.0	31.4	18.0	31.4	46.5
Assets	38.9	71.8	73.1	113.3	149.1
Debt to equity	1.3	0.9	0.4	0.6	0.8
Current ratio	4.6	15.4	4.8	3.4	3.3
ROE	17.5	6.3	11.6	17.4	16.2
Days payable	4.0	0.0	6.0	6.0	9.0
WC days	17.0	36.0	24.0	14.0	21.0

Margins

Gross margin

Operating margin

Net margin

Balance Sheet

₹

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.1	0.1	0.1	0.1	0.1
Reserves	13.3	35.7	40.4	48.9	58.4
Borrowings +	17.0	31.4	18.0	31.4	46.5
Long term borrowings	17.0	31.4	18.0	31.4	46.5
Short term borrowings	-	-	-	-	-
Trade payables +	7.4	0.5	13.4	32.9	41.8
Days payable	4.0	0.0	6.0	6.0	9.0
Other liabilities +	1.1	4.1	1.2	-	2.3
Other non-current liabilities	-	-	-	-	-
Other current liabilities	1.1	4.1	1.2	-	2.3
Total liabilities	38.9	71.8	73.1	113.3	149.1
Fixed Assets +	0.4	0.3	0.2	0.9	0.7
Tangible assets	0.4	0.3	0.2	0.9	0.7
CWIP	-	-	-	-	-
Intangible assets	-	-	-	-	-
LT loans and advances	-	-	2.6	0.1	1.6
Other non-current assets	-	-	1.1	2.2	2.2
Current assets +	38.4	71.5	69.2	110.1	144.7
Inventories	23.1	34.5	40.3	72.3	79.3
Trade receivables	14.2	35.3	25.1	33.6	62.4
Cash and cash equivalents	0.7	0.6	0.9	0.7	-
ST loans and advances	0.5	1.0	2.8	3.5	2.9
Other current assets	-	-	-	-	-
Total assets	38.9	71.8	73.1	113.3	149.1

Percentage of assets	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.29	0.18	0.18	0.12	0.09
Reserves	34.22	49.66	55.25	43.17	39.13
Borrowings +	43.8	43.71	24.67	27.69	31.18
Long term borrowings	43.8	43.71	24.67	27.69	31.18
Short term borrowings	0.0	0.0	0.0	0.0	0.0
Trade payables	18.93	0.71	18.32	29.0	28.04
Other liabilities +	2.77	5.74	1.58	0.03	1.56
Other non-current liabilities	0.0	0.0	0.0	0.0	0.0
Other current liabilities	2.77	5.74	1.58	0.03	1.56
Total liabilities
Fixed Assets +	1.0	0.4	0.29	0.8	0.44
Tangible assets	1.0	0.4	0.29	0.8	0.44
CWIP	0.0	0.0	0.0	0.0	0.0
Intangible assets	0.0	0.0	0.0	0.0	0.0
LT loans and advances	0.14	0.1	3.58	0.1	1.04
Other non-current assets	0.0	0.0	1.51	1.93	1.46
Current assets +	98.86	99.5	94.62	97.17	97.05
Inventories	59.33	48.07	55.19	63.78	53.17
Trade receivables	36.43	49.18	34.36	29.68	41.86
Cash and cash equivalents	1.77	0.81	1.24	0.65	0.05
ST loans and advances	1.34	1.45	3.83	3.07	1.98
Other current assets	0.0	0.0	0.0	0.0	0.0
Total assets

Total assets

Profit & Loss

₹

** All numbers in INR crores

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales +	642.0	678.9	828.9	2,043.5	1,725.7
Sales growth %	95.91	5.74	22.09	146.54	-15.55
Expenses +	640.3	676.5	823.1	2,031.2	1,713.5
Cost of goods	628.0	655.5	799.2	1,996.1	1,670.3
Employee cost	1.9	2.1	2.8	3.6	8.4
Other costs	8.6	17.7	19.7	29.6	32.0
Operating profit +	3.5	3.5	7.2	14.2	15.0
Operating margin %	0.6	0.5	0.9	0.7	0.9
Other income	1.5	0.6	0.5	0.4	0.5
Interest	1.7	1.0	1.3	1.7	2.5
Depreciation	0.2	0.1	-	0.2	0.3
Exceptional items	-	-	-	-	-
Profit before tax	3.2	3.0	6.3	12.7	12.7
Tax	0.8	0.8	1.6	4.2	3.3
Profit - disc. ops	-	-	-	-	-
Net profit	2.3	2.3	4.7	8.5	9.5
Net margin %	0.4	0.3	0.6	0.4	0.6

Precentage of total income	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	99.77	99.92	99.94	99.98	99.97
Expenses +	99.51	99.56	99.24	99.38	99.26
Cost of goods	97.59	96.47	96.37	97.66	96.76
Employee cost	0.29	0.31	0.34	0.18	0.49
Other costs	1.34	2.61	2.37	1.45	1.85
Operating profit	0.55	0.52	0.87	0.69	0.87
Other income	0.23	0.08	0.06	0.02	0.03
Interest	0.26	0.14	0.16	0.09	0.14
Depreciation	0.03	0.02	0.01	0.01	0.02
Exceptional items	0.0	0.0	0.0	0.0	0.0
Profit before tax	0.49	0.44	0.76	0.62	0.74
Tax	0.13	0.11	0.19	0.2	0.19
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	0.36	0.33	0.57	0.42	0.55

Revenue from operations

Ratios

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Solvency +
Total Debt/Equity	1.3	0.9	0.4	0.6	0.8
Net Debt/Equity	1.2	0.9	0.4	0.6	0.8
Total Debt/Assets	0.4	0.4	0.2	0.3	0.3
Total Assets/Equity	2.9	2.0	1.8	2.3	2.5
Liquidity +
Current Ratio	4.6	15.4	4.8	3.4	3.3
Quick Ratio	1.8	8.0	2.0	1.1	1.5
Interest Coverage	2.1	3.6	5.5	8.1	6.0
Performance
Gross Margin	2.2	3.5	3.6	2.3	3.2
Operating Margin	0.6	0.5	0.9	0.7	0.9
Net Margin	0.4	0.3	0.6	0.4	0.6
Return +
Return on Equity	17.5	6.3	11.6	17.4	16.2
Pre-tax ROCE	11.1	5.1	12.9	17.9	14.5
Return on Assets	6.0	3.1	6.4	7.5	6.3
Pre-tax ROIC	11.3	5.1	12.3	17.5	14.0
Efficiency +
Days Payable	4.0	0.0	6.0	6.0	9.0
Days Inventory	13.0	19.0	18.0	13.0	17.0
Days Receivable	8.0	19.0	11.0	6.0	13.0
Fixed Asset Turnover	1,650.4	2,388.7	3,961.4	2,248.8	2,623.0
Total Asset Turnover	16.5	9.4	11.3	18.0	11.6
Working Capital
Cash Conversion Cycle	17.0	38.0	23.0	13.0	21.0
Working Capital Days	17.0	36.0	24.0	14.0	21.0

Ratios

Current ratio

Debt/equity ratio

Charges on assets

Bank wise

Charges

Yes Bank Limited

No. of Loans: 1

Total Amount : 30.0 cr

Charge Holder	Amount	Date of creation/modification
Yes Bank Limited	30.0 cr	31 Jul, 2024

Charges

Yes Bank Limited

Company Network

Companies connected through Directors

Name	Status	Paid up Capital	Common Directors	Address
JEWEL CASA PRIVATE LIMITED	Active	1.0 L	2	Maharashtra
REZARTA SILVER PRIVATE LIMITED	Active	1.0 L	1	Maharashtra
SANGHVI VENTURE LLP	Active	1.0 L	1	Maharashtra
OPUS REFINERY PRIVATE LIMITED	Active	4.0 L	1	Maharashtra

Tofler Score

Very Good

Poor

Fair

Good

Very Good

Excellent

Risk

Severe Risk

No risks identified

Moderate Risk

LOW CASH BALANCE
CASH DETERIORATING

Low Risk

LOW INVENTORY
REVENUE DECLINE

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.

CIN

U52100MH2011PTC219166

PAN

AAGCP0873M

Incorporation

2011, 15.0 years

Company Email

info@payalgold.com

Paid up Capital

₹ 13.2 L

Authorised Capital

₹ 1.0 Cr

AGM

Sep 2024

Type

Private

Others

FAQ - PAYAL GOLD PRIVATE LIMITED

What is the incorporation date of PAYAL GOLD PRIVATE LIMITED?

The incorporation date of PAYAL GOLD PRIVATE LIMITED is 27 June, 2011

What is the authorized share capital of PAYAL GOLD PRIVATE LIMITED?

The authorized share capital of PAYAL GOLD PRIVATE LIMITED is INR ₹ 1.0 Cr.

What is the paid-up capital of PAYAL GOLD PRIVATE LIMITED?

The paid-up capital of PAYAL GOLD PRIVATE LIMITED is INR ₹ 13.2 L.

What is the registered address of PAYAL GOLD PRIVATE LIMITED?

The registered address of PAYAL GOLD PRIVATE LIMITED is 201, MADHAVRAM BUILDING, 195/197 KALBADEVI ROAD NEAR COTTON EXCHANGE, Mumbai City, MUMBAI, Maharashtra, India, 400002 - 400002

What is the CIN number of PAYAL GOLD PRIVATE LIMITED?

The CIN number of PAYAL GOLD PRIVATE LIMITED is U52100MH2011PTC219166.

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