Company Intelligence Profile
Thazhayil Finance Private Limited
A Kerala-based (Kochi) private limited NBFC/finance company incorporated in 1989, engaged in financial and credit leasing activities — granting of loans and other financial services.
Last updated 21 August 2026
Thazhayil Finance Private Limited is a Kochi, Kerala based non-banking financial company incorporated in August 1989. It is engaged in financial and credit leasing activities, granting loans and providing other financial services, and appears to run a retail and SME lending operation based in Ernakulam district. A promoter-funded company rather than a venture-backed one, it is active and carries several registered charges.
Compiled from MCA filings and other public records. Figures may lag the latest filing; verify against the detailed sections below.
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Company Identity
| Registered name | Thazhayil Finance Private Limited |
|---|---|
| CIN | U65993KL1989PTC069557 |
| PAN | Not available in the public sources reviewed. |
| Status | Active |
| Listing | Unlisted |
| Incorporated | 22 August 1989 |
| ROC | RoC Kerala (Kochi/Ernakulam) |
| Sector (NIC) | Financial and credit leasing activities / "Granting of loans and other financial services" — NBFC-type NIC classification |
| Registered address | Thazhayil Building, S.A. Road, Near GCDA & Metro Station, Kadavanthra, Cochin, Ernakulam, Kerala - 682020 |
| Authorized capital | ₹20.0 crore |
| Paid-up capital | ₹11.5 crore |
Business Overview
- A Kerala-based (Kochi) private limited NBFC/finance company incorporated in 1989, engaged in financial and credit leasing activities — granting of loans and other financial services
- Operates with a compliance contact at compliance@thazhayilfinance.com, suggesting an active retail/SME lending operation based out of Ernakulam district
Directors
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Genoy John | 07072373 | Director & Shareholder | - |
| Thomas John | 08302234 | Director & Shareholder | - |
Financials
FY ending March 2023:
| Revenue | up 164.02% YoY |
|---|---|
| EBITDA | up 1346.36% YoY |
| PAT | down 54.2% YoY |
| Net worth | up 92.31% YoY |
| Total borrowings | up 715.39% YoY |
| Operating margin | 35.0% |
| Debt-to-equity ratio | 0.68 |
| ROCE | 15.45% |
Standalone (no consolidated filings found — appears to be a standalone entity). Status: partial — trend data confirmed, absolute rupee figures not obtained (subscription-gated).
Charges & Loans
- Confirmed — numerous active charges with charge holder "Koshy Thomas" (individual), total exposure roughly ₹12.5 crore across ~12 charge entries between July 2023 and August 2024, including: ₹4.5cr (31 Jul 2023), ₹0.5cr (21 Sep 2023, holder unnamed in source), ₹0.9cr x2 (10 Jan 2024), ₹1.3cr (19 Feb 2024), ₹0.8cr (06 Mar 2024), ₹0.1cr (02 Apr 2024), ₹0.2cr (30 Apr 2024), ₹0.7cr (20 Jun 2024), ₹1.2cr (26 Jun 2024), ₹0.3cr (05 Aug 2024)
- No satisfaction dates listed — appear to be open/active charges
- Note: "Koshy Thomas" as charge holder is unusual (typically an individual lender/promoter-linked charge rather than a bank) — flagged for verification, not a bank-syndicated facility
Competitors
Frequently Asked Questions
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