Company Intelligence Profile
Si Creva Capital Services Private Limited
SI Creva Capital Services Pvt Ltd is a Mumbai-headquartered NBFC that is the regulated lending entity behind the Kissht digital lending platform, and also underlies related consumer-lending brands referenced by TheCompanyCheck as Rufilo, Orange5, Kissht and Si-Creva.
Last updated 20 August 2026
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Partial / conflicting| Registered name | Si Creva Capital Services Private Limited |
|---|---|
| CIN | U65923MH2015PTC266425 |
| PAN | Not available in the public sources reviewed. |
| Status | Active |
| Listing | Unlisted private company |
| Incorporated | 08 July 2015 |
| ROC | RoC-Maharashtra (Mumbai) |
| Sector (NIC) | Finance / NBFC — "non-banking financial company providing financial and investment services" |
| Registered address | 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070 |
| Authorized capital | ₹10.0 Cr |
| Paid-up capital | ₹8.89 Cr |
Business Overview
Partial / conflicting- SI Creva Capital Services Pvt Ltd is a Mumbai-headquartered NBFC that is the regulated lending entity behind the Kissht digital lending platform, and also underlies related consumer-lending brands referenced by TheCompanyCheck as Rufilo, Orange5, Kissht and Si-Creva
- It provides instant secured/unsecured personal loans (reported up to ₹5 lakh) via app-based, low-documentation, fast-disbursal digital lending
- Kissht's parent/group entity is referred to as OnEMI Technology Solutions Pvt/Ltd
Directors
Partial / conflictingBoard composition differs by source vintage — treat current list as partial/confirmed-with-caveat:
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Krishnan Vishwanathan | 07191366 | Managing Director, DIN 07191366, appointed 08 Jul 2015 Tofler + TheCompanyCheck agree on name/role; DIN from Tofler only | 08 Jul 2015 |
| Ranvir Singh | 06673951 | Whole-Time Director, DIN 06673951, appointed 08 Jul 2015 Tofler + TheCompanyCheck agree; DIN from Tofler only | 08 Jul 2015 |
| Priti Paras Savla | 00662996 | Director, DIN 00662996, appointed 24 Mar 2023 Tofler + TheCompanyCheck agree; DIN from Tofler only | 24 Mar 2023 |
| Atul Chunilal Bheda | 03502424 | Director, DIN 03502424 listed by Tofler; NOT listed by TheCompanyCheck, which instead shows a newer appointee below; possible resignation, unconfirmed | - |
| Yogesh Yashpaul Chadha | - | Director, appointed 02 Dec 2025, DIN not obtained TheCompanyCheck only, single-source | 02 Dec 2025 |
Financials
Partial / conflicting- TheCompanyCheck (FY2025, standalone implied): Revenue ₹1,093.49 Cr (down ~16% YoY); EBITDA and PAT locked behind paywall; Net worth not disclosed; Borrowings ₹2,493.68 Cr in open charges (₹2,277.15 Cr shown as satisfied) across 239 charge records with lenders including SBI (₹34.59 Cr), Axis Bank (₹12.00 Cr), Yes Bank (₹30.00 Cr), SBICAP Trustee Co. (₹48.97 Cr), and ₹2,368.12 Cr under "others."
- Tofler (FY ending 31 Mar 2022, standalone): Operating revenue reported as "under ₹1 Cr" for FY2022, Operating margin -8.45%, Net profit margin 3.12%, ROE 5.85%, ROCE 3.55%, Debt-to-equity 0.37; EBITDA and book net worth both reported down 100% YoY that year (paywalled detail).
These two figures (FY2022 "under ₹1 Cr" revenue vs FY2025 "₹1,093.49 Cr" revenue) are wildly inconsistent in scale and could not be reconciled within this session — likely reflects either a data-quality issue on one platform, a restated/different reporting basis, or rapid real growth; flag for manual verification before publishing. Confirmed only: paid-up capital ₹8.89 Cr / authorized capital ₹10.0 Cr (both sources agree).
Charges / Loans
Partial / conflicting- 239 total charge records
- ₹2,493.68 Cr in open charges, ₹2,277.15 Cr shown satisfied
- Named charge-holders with amounts: State Bank of India ₹34.59 Cr, Axis Bank Limited ₹12.00 Cr, Yes Bank Limited ₹30.00 Cr, SBICAP Trustee Company Limited ₹48.97 Cr, remaining ₹2,368.12 Cr grouped as "Others" (lender names not itemized in fetched content)
Competitors
Partial / conflictingFrequently Asked Questions
What does Si Creva Capital Services Private Limited do?
What is the CIN of Si Creva Capital Services Private Limited?
Where is Si Creva Capital Services Private Limited registered?
When was Si Creva Capital Services Private Limited incorporated?
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