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.
CIN: U65993KL1989PTC069557ActiveRoC KeralaConfidence: medium
Last updated 20 August 2026
AI OverviewGenerated from public records
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Partial / conflicting| 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
Partial / conflicting- 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
Partial / conflicting| Name | DIN | Role | Appointed |
|---|---|---|---|
| Genoy John | 07072373 | Director/Shareholder, ~9 years tenure | - |
| Thomas John | 08302234 | Director/Shareholder, ~8 years tenure No appointment/cessation dates or past directors were available on the fetched pages. Status: partial single-source, DINs unverified against a second registry. | - |
Financials
Partial / conflictingFY 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- 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
Partial / conflicting- Regional Kerala/South-India NBFC and gold-loan/SME finance peers of comparable scale (not independently verified for direct competitive overlap): Muthoot Finance (large-cap, national), Manappuram Finance (large-cap, national), ESAF Small Finance Bank (Kerala-origin, mid-cap), Kerala based NBFCs such as Popular Vehicles & Services-linked lending arms, and local Kerala co-operative/chit-fund style financiers
- Given Thazhayil Finance's small paid-up capital (₹11.5cr) and modest charge sizes (sub-₹5cr per charge), its actual scale is far below Muthoot/Manappuram — closer to a small regional NBFC/chit-fund company
- Scale tag: micro/small NBFC (regional, Kerala)
Frequently Asked Questions
What does Thazhayil Finance Private Limited do?
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.
What is the CIN of Thazhayil Finance Private Limited?
The Corporate Identification Number (CIN) of Thazhayil Finance Private Limited is U65993KL1989PTC069557.
Where is Thazhayil Finance Private Limited registered?
Thazhayil Finance Private Limited is registered with RoC Kerala (Kochi/Ernakulam) (Source: Tofler). Registered address: Thazhayil Building, S.A. Road, Near GCDA & Metro Station, Kadavanthra, Cochin, Ernakulam, Kerala - 682020 (Source: Tofler; pincode as commonly listed for Kadavanthra, Kochi — verify exact pincode)
When was Thazhayil Finance Private Limited incorporated?
Thazhayil Finance Private Limited was incorporated on 22 August 1989 (Source: Tofler).
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