Company Intelligence Profile
Rupeek Fintech Private Limited
Bengaluru-based fintech (legal entity behind the "Rupeek" brand) operating an asset-backed, doorstep gold-loan marketplace.
CIN: U72100KA2015PTC081797ActiveRoC-Bangalore (Karnataka)Confidence: medium
AI OverviewGenerated from public records
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Confirmed| Registered name | Rupeek Fintech Private Limited |
|---|---|
| CIN | U72100KA2015PTC081797 |
| PAN | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) |
| Status | Active |
| Listing | Unlisted (private company) |
| Incorporated | 24 July 2015 (confirmed — Tofler, TheCompanyCheck, Falconebiz agree) |
| ROC | RoC-Bangalore (Karnataka) |
| Sector (NIC) | NIC 72100 (Computer related services) per CIN prefix; TheCompanyCheck classifies activity group K/K8 "Other financial activities" (online/fintech gold-loan services). Falconebiz lists "hardware consultancy services" as filed activity description — likely a generic/legacy RoC activity code, not reflective of actual gold-loan business. Partial/conflicting. |
| Registered address | Plot #45/B, Subham Complex, 1st A Main, Gr. Floor, Front Wing (B), Sarakki Industrial Layout, J.P. Nagar, Bengaluru, Karnataka 560078 (confirmed — 3 sources agree) |
| Authorized capital | ₹15,25,260 (~₹15.25 Lakh) — confirmed, Falconebiz + Tofler(₹15.3L) + TheCompanyCheck(₹15.25L) agree |
| Paid-up capital | ₹6,82,733 (~₹6.83 Lakh) per Falconebiz (most recent, matches TheCompanyCheck). Note: Tofler shows an older/different figure (₹9.5 Lakh) — likely a stale snapshot before capital reduction/buyback; treat Falconebiz/TheCompanyCheck figure as current. |
Business Overview
Confirmed- Bengaluru-based fintech (legal entity behind the "Rupeek" brand) operating an asset-backed, doorstep gold-loan marketplace
- Facilitates quick (~30 min) gold-backed loan disbursal via partner banks/NBFCs, doorstep gold pickup, secure vault storage and insurance
- also runs "Rupeek Capital" (an affiliated NBFC lending arm) for on-book lending
- Founded 2015 by Sumit Maniyar (IIT alumnus)
- active across 25+ Indian cities
- DPIIT-recognised startup
- Sources: Falconebiz, Rupeek official site, Indiankanoon/company aggregator summaries
Directors
Partial / conflicting| Name | DIN | Role | Appointed |
|---|---|---|---|
| Sumit Maniyar | 06411925 | Director/Co-founder, DIN 06411925 since 24-Jul-2015 | - |
| Suresh Maniyar | 06411955 | Director, DIN 06411955 since 24-Jul-2015 | - |
| Anand Daniel | 03441515 | Director, DIN 03441515 since 08-Jan-2018 | - |
| Ravi Shankar Venkataraman Ganapathy Agraharam | 02604007 | Nominee Director, DIN 02604007 since 13-Aug-2019 | - |
| Prabhakar Sistla | 09249122 | Director, DIN 09249122 appointment date conflicts: Falconebiz says 14-Feb-2025, Tofler/TheCompanyCheck say 24-Dec-2024; minor date discrepancy, person/DIN confirmed | - |
| Rohit Sood | 07265341 | Nominee Director, DIN 07265341 per Tofler; not listed in Falconebiz's current-6, may be a resigned/past nominee; partial | - |
| Akshay Sharda | 07291475 | CFO not a Director, DIN 07291475 per Falconebiz, appointed 18-Dec-2025; partial, single-source. Note: DIN counts/lists show minor mismatch between sources on exact "current" roster; core founder/director set Maniyar x2, Anand Daniel, Ravi Shankar, Prabhakar Sistla is confirmed by 2+ sources. | 18-Dec-2025 |
GST Registrations
Partial / conflicting| GSTIN | State | PAN | Status |
|---|---|---|---|
| 29AAHCR3887J1ZM | Karnataka | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | Active |
| 34AAHCR3887J1ZV | Puducherry | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | - |
| 37AAHCR3887J1ZP | Andhra Pradesh | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | - |
Primary/home-state GSTIN (Karnataka): 29AAHCR3887J1ZM — Active, Regular scheme, registered 01-Jul-2017 (source: piceapp/KnowYourGST individual GSTIN page). PAN AAHCR3887J confirmed embedded in GSTIN. Company holds multi-state GST registrations — sources cite ~14 registrations across states (e.g., 34AAHCR3887J1ZV in Puducherry/Tamil Nadu region, 37AAHCR3887J1ZP in Andhra Pradesh per FnShift) consistent with pan-India gold-loan operations, but the full state-wise list and each registration's live status were not individually verified — partial.
Financials
Partial / conflictingFigures show meaningful cross-source conflict; reporting standalone entity-level figures with source per year:
- FY23 (ended 31-Mar-2023, per Inc42 citing RoC filing): Revenue from operations ₹88.9 Cr (total revenue ₹97.2 Cr, incl. commission income ₹40.8 Cr + lending income ₹48.1 Cr), down ~27.7% YoY; Total expenses ₹376.9 Cr; Net loss ₹281.6 Cr (down 22.7% from FY22 loss of ₹364.4 Cr). FY22: Revenue ₹122.9 Cr, Net loss ₹364.4 Cr.
- FY25 (ended 31-Mar-2025, per TheCompanyCheck): Revenue ₹151.92 Cr, stated as +33% YoY (implying FY24 revenue ~₹114 Cr) — EBITDA/PAT locked/not obtained.
- A separate web-search summary cited FY24 revenue as ₹65.7 Cr (+16.2% over an FY23 base of ₹56.5 Cr) — this conflicts with both the Inc42 FY23 figure (₹88.9 Cr) and the TheCompanyCheck-implied FY24 figure (~₹114 Cr). Could not resolve which figure (if any) is correct without the actual FY24 filing — flagged as unconfirmed/conflicting, not used as a headline number.
- Net worth: one source notes a "38.34% decline" in net worth in a recent period but exact ₹ figures were locked/not obtained.
- Auditor: S.R. Batliboi & Co. LLP (FY23, per TheCompanyCheck).
Standalone entity-level (Rupeek Fintech Pvt Ltd) figures throughout; consolidated group figures not obtained.
Funding History
Confirmed- Total funding ~$216.4 Mn across 11 rounds (source: Inc42 company funding page)
- Key rounds: Seed $2.0Mn (Jan 2017, Sequoia/Peak XV predecessor)
- Series A $6.83Mn (Feb 2018, Accel)
- Series B $30Mn (Aug 2019, Peak XV Partners) — note: separately, Business Standard (Aug 2019) reported a $30Mn round led by Bertelsmann India Investments, so lead-investor attribution for this round conflicts across sources
- Series C $60Mn (Feb 2020, Peak XV, also reported with Binny Bansal/GGV Capital participation per Business Standard Feb-2020 article)
- Series E $33Mn (Mar 2021, GGV Capital) + $7Mn (Mar 2021, VEF)
- $34Mn (Jan 2022, Lightbox) — this round reportedly valued Rupeek at ~$634Mn (peak valuation, Jan 2022)
- $16Mn (Sep 2022, 100Unicorns)
- $21.12Mn (Feb 2024, Elevation Capital) — Entrackr reported this as a down round
- $6.12Mn (May 2024, 360 ONE Asset + BlackSoil) — Entrackr reported this round at a ~60% valuation cut vs peak, implying post-money valuation ~₹2,050 Cr (~$245Mn)
- Investor roster across rounds: Sequoia/Peak XV Partners, Accel, Bertelsmann India Investments, GGV Capital, Lightbox, VEF, 100Unicorns, Elevation Capital, 360 ONE Asset, BlackSoil, Binny Bansal (angel)
- Sources: Inc42, Entrackr, Business Standard
Charges / Borrowings
Partial / conflicting- Per Falconebiz/TheCompanyCheck (registry charge filings): Total open charges ₹128.15 Cr
- satisfied/released charges ₹83 Cr. Key charge-holders: Axis Bank Limited ₹72.60 Cr (incl. a recent charge dated 19-Apr-2025), South Indian Bank Limited ₹0.23 Cr, and an unspecified "Others" bucket ₹55.32 Cr (lender identities not broken out in available source — partial)
Competitors
Confirmed- 1
- Muthoot Finance — largest traditional gold-loan NBFC, pan-India branch network, market leader by AUM (large-scale incumbent)
- 2
- Manappuram Finance — second-largest traditional gold-loan NBFC (large-scale incumbent)
- 3
- IndiaGold — fintech doorstep gold-loan competitor, direct peer in digital gold-loan segment (similar/smaller scale)
- 4
- Ruptok Fintech — fintech gold-loan aggregator/lender, direct digital-gold-loan peer (smaller scale)
- 5
- Indian banks' gold-loan desks (SBI, others) — lower-rate but less convenient channel competitors (large-scale incumbent)
- Sources: The Ken, IndiaGold comparison pages, India FinTech newsletter
Frequently Asked Questions
What does Rupeek Fintech Private Limited do?
Bengaluru-based fintech (legal entity behind the "Rupeek" brand) operating an asset-backed, doorstep gold-loan marketplace.
What is the CIN of Rupeek Fintech Private Limited?
The Corporate Identification Number (CIN) of Rupeek Fintech Private Limited is U72100KA2015PTC081797.
Where is Rupeek Fintech Private Limited registered?
Rupeek Fintech Private Limited is registered with RoC-Bangalore (Karnataka). Registered address: Plot #45/B, Subham Complex, 1st A Main, Gr.
When was Rupeek Fintech Private Limited incorporated?
Rupeek Fintech Private Limited was incorporated on 24 July 2015 (confirmed — Tofler, TheCompanyCheck, Falconebiz agree).
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