Company Intelligence Profile
Ekagrata Finance Private Limited
Bengaluru-based NBFC (investment & credit) lending entity of the MyShubhLife/GROx fintech group, providing embedded MSME and merchant credit via API partnerships with platforms like PhonePe, BharatPe, Paytm, Meesho and Flipkart.
CIN: U67110KA2018PTC119435ActiveRoC-BangaloreConfidence: medium-high — identity
Last updated 17 August 2026
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AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
Confirmed| Registered name | Ekagrata Finance Private Limited |
|---|---|
| CIN | U67110KA2018PTC119435 |
| PAN | AAFCE2972D |
| Status | Active |
| Listing | No — unlisted private limited company |
| Incorporated | 13 December 2018 |
| ROC | RoC-Bangalore (Karnataka) |
| Sector (NIC) | Finance — Investment & Credit NBFC (CIN industry code U67110); digital/embedded lending |
| Registered address | Nova Miller, Ground Floor, No 333, Thimmiah Road, Vasanth Nagar, Bangalore, Karnataka, India – 560052 |
| Authorized capital | ₹44.0 Cr |
| Paid-up capital | ₹35.1 Cr |
Business Overview
Confirmed- Ekagrata Finance Private Limited is the NBFC (Investment & Credit) lending entity of the Bengaluru fintech group known publicly as MyShubhLife, now rebranded GROx (parent: Datasigns Technologies Pvt Ltd, since renamed GROx Technologies), founded by Monish Anand
- It operates a digital/embedded-finance lending platform offering short-term "bullet" loans (1-month tenor) and working-capital term loans (3-24 months) of ₹5,000 to ₹50,00,000 to MSMEs, merchants and consumers, at 18.5%-36% reducing interest, distributed via API/plug-and-play integrations with partners such as PhonePe, BharatPe, Paytm, Meesho and Flipkart
- DPIIT-recognised startup
- ~13 employees as of April 2024
- Note: the standalone corporate site ekagratafinance.com now shows only a redirect notice pointing users to myshubhlife.com, consistent with services having migrated to the group's consumer-facing brand
Directors
Confirmed| Name | DIN | Role | Appointed |
|---|---|---|---|
| Rahul Narayanamangalam Sekar | 07668877 | Director | 13-Dec-2018 |
| Monish Anand | 01657725 | Director & Shareholder | 13-Dec-2018 |
Financials
Partial / conflicting- FY2024 (year ended 31-Mar-2024) revenue/turnover: ₹16.31 Cr, +32% YoY. EBITDA, PAT, net worth and total borrowings: not obtained — pages indicate these figures are paywalled
- Latest balance sheet on file: 31-March-2025; last AGM 30-Sep-2025 (both sources), but FY2025 revenue/profit figures were not disclosed on the accessible pages
- No standalone-vs-consolidated statement was available (entity has no listed subsidiaries found; presumed standalone)
Charges / Loans
Confirmed- Open charges outstanding ₹10.0 Cr; satisfied/released charges ₹94.5 Cr historically
- Tofler additionally names the current open-charge lender as Usha Financial Services Private Limited, ₹10.0 Cr, created 23-Feb-2022
Legal / Litigation
Confirmed- Ekagrata Finance Private Limited vs. Mahila Money Private Limited, ARB.P
- 349/2025, Delhi High Court, heard 21-Feb-2025 before Justice Manoj Kumar Ohri; an arbitration petition filed by Ekagrata Finance (petitioner represented by Advocates Nishant Patil and Arjit Day)
- No other litigation found
Competitors
Partial / conflicting- Named peers in the Indian embedded-finance / MSME-merchant NBFC lending space: 1) FlexiLoans (NBFC-tech MSME lending, mid-large scale, well-funded) 2) Lendingkart (MSME working-capital NBFC, larger scale) 3) Indifi Technologies (SME/merchant lending platform, similar scale) 4) NeoGrowth Credit (merchant/MSME NBFC, larger scale) 5) Aye Finance (MSME NBFC, larger scale) 6) KreditBee (digital consumer + small-business lending NBFC, larger scale)
- Ekagrata/GROx differentiates via its embedded "plug-and-play" API model distributed through large platforms (PhonePe, BharatPe, Paytm, Meesho, Flipkart) rather than a standalone consumer app-first approach
Frequently Asked Questions
What does Ekagrata Finance Private Limited do?
What is the CIN of Ekagrata Finance Private Limited?
The Corporate Identification Number (CIN) of Ekagrata Finance Private Limited is U67110KA2018PTC119435.
Where is Ekagrata Finance Private Limited registered?
Ekagrata Finance Private Limited is registered with RoC-Bangalore (Karnataka). Registered address: Nova Miller, Ground Floor, No 333, Thimmiah Road, Vasanth Nagar, Bangalore, Karnataka, India – 560052 (Tofler, TheCompanyCheck)
When was Ekagrata Finance Private Limited incorporated?
Ekagrata Finance Private Limited was incorporated on 13 December 2018.
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