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Perfect Smart Core Banking

U72200KL2003PTC016481ActivePrivateUnlisted

Last updated: 2026-06-08

Compliance Health · F

3 / 9 signals passed

Perfect Smart Core Banking is a Private Indian company incorporated in 2013 and based in Kerala, India. Perfect Smart Core Banking operates in IT & Software (NIC 72200) with authorized capital of —. RegisterKaro's Compliance Health Score for the company is 30/100 (grade F), reflecting a weak compliance posture.

Risk FlagsFinancials not yet extracted · awaiting AOC-4 XBRLDirectors not yet extracted · awaiting MGT-7Health F · 30/100

Revenue (latest FY)

—

Awaiting extraction

PAT (latest FY)

—

Awaiting extraction

Open Charges

No encumbrances

Active Directors

No resignations

Paid-up Capital

—

Filings on Record

All current

Incorporated

2013

13 years old

State

Kerala

Sector

IT & Software

NIC 72200

Class

Private

Sub-category

—

Authorized Capital

—

Paid-up Capital

—

Members

—

Last AGM

—

Last Balance Sheet

—

Latest Filing

—

Registered Email

—

Registered Office

—

Perfect Smart Core BankingTRACXN · PUBLIC DATA

Brand Perfect Smart Core Banking · Legal entity Perfect Smart Core Banking

Perfect Smart Core Banking - Core banking software.

Total Funding

Latest Round

—

Revenue

Valuation

Funding Rounds

—

Employees

Stage

—

Kozhikode

Founded

2013

Source: Tracxn (public profile) · joined to MCA on CIN U72200KL2003PTC016481

Quick facts

Identity · Activity · Auditor · Contact

Registered office

—

NIC code

72200

Statutory auditor

Awaiting ADT-1 / AOC-4 extraction

Registered email

—

Section

IT & Software

ROC

—

Website

http://smartcorebanking.com

Class · sub-category

Private

Incorporation · Last AGM

— · —

Directors

From MGT-7 annual returnLocked

Deepa Reddy

Additional Director

1.9y · Hyderabad · DIN 6512242

Vikram Singh Rathore

Director

2.0y · Ahmedabad · DIN 8349625

Meera Krishnan

Managing Director

4.2y · Mumbai · DIN 6122060

Priya Nair

Additional Director

7.4y · Gurugram · DIN 5169215

Get the full board of directors

Directors, DINs & appointment history for Perfect Smart Core Banking.

~~₹499~~₹169(excl. taxes)

Buy Financial & Company Filings

What you'll get

Incorporation Documents
Change in Directors & Designated Partner
Board Resolutions
Financial Statements & Annual Filings
Charge Documents (Summary)

MCA Filings

AOC-4 · MGT-7 historyLocked

Form	FY	Filed	Due	Delay	Status
AOC-4	FY2024-25	30 Oct 2024	30 Oct 2024	0d	filed
MGT-7	FY2024-25	22 Nov 2024	29 Nov 2024	0d	filed
AOC-4	FY2023-24	30 Oct 2023	30 Oct 2023	0d	filed
MGT-7	FY2023-24	24 Nov 2023	29 Nov 2023	0d	filed
AOC-4	FY2022-23	30 Oct 2022	30 Oct 2022	+12d	filed
MGT-7	FY2022-23	23 Nov 2022	29 Nov 2022	0d	filed

Get financial statements & other filing documents

Full MCA filing history for Perfect Smart Core Banking.

~~₹499~~₹169(excl. taxes)

Buy Financial & Company Filings

What you'll get

Incorporation Documents
Change in Directors & Designated Partner
Board Resolutions
Financial Statements & Annual Filings
Charge Documents (Summary)

Charges

Registered charges & encumbrancesLocked

Charge ID	Holder	Amount	Created	Status
711313501	State Bank of India(Bank)	₹14.42 Cr	12 Mar 2020	Open
872983930	ICICI Bank Ltd(Bank)	₹11.75 Cr	04 Jul 2019	Open
653679898	Axis Bank Ltd(Bank)	₹60.52 L	04 Jul 2022	Satisfied
153128729	Kotak Mahindra Bank Ltd(Bank)	₹7.89 Cr	04 Jul 2023	Open

See registered charges & lenders

Charge IDs, lenders & amounts for Perfect Smart Core Banking.

~~₹499~~₹169(excl. taxes)

Buy Financial & Company Filings

What you'll get

Incorporation Documents
Change in Directors & Designated Partner
Board Resolutions
Financial Statements & Annual Filings
Charge Documents (Summary)

Financial Performance

Revenue · PAT · Net worth by FYLocked

FY	Revenue	PAT	Net Worth	Total Assets	Employees
FY2024-25	₹73.69 Cr	₹6.00 Cr	₹49.77 Cr	₹83.93 Cr	27
FY2023-24	₹59.74 Cr	₹5.33 Cr	₹33.39 Cr	₹62.82 Cr	241
FY2022-23	₹59.41 Cr	₹4.58 Cr	₹44.73 Cr	₹63.90 Cr	240
FY2021-22	₹49.05 Cr	₹3.57 Cr	₹52.78 Cr	₹76.92 Cr	124

Gain deeper financial insights of this entity

Audited financials & ratios for Perfect Smart Core Banking.

~~₹999~~₹249(excl. taxes)

Buy Financial Report

What you'll get

Financial Summary & Charts
Income Statement, Balance Sheet, Cashflow
Profitability, Liquidity & Growth Ratios
Audited Financial Statement (AOC-4)

Detailed Financials

Income statement + balance sheetLocked

Line item	FY2024-25	FY2023-24	FY2022-23	FY2021-22
Income statement
Revenue from operations	₹73.69 Cr	₹59.74 Cr	₹59.41 Cr	₹49.05 Cr
Other income	₹2.76 Cr	₹57.17 L	₹78.38 L	₹1.95 Cr
Total income	₹76.45 Cr	₹60.32 Cr	₹60.19 Cr	₹51.00 Cr
Total expenses	₹68.77 Cr	₹53.50 Cr	₹54.32 Cr	₹46.43 Cr
Profit before tax	₹7.80 Cr	₹6.93 Cr	₹5.96 Cr	₹4.64 Cr
Profit / (Loss) after tax	₹6.00 Cr	₹5.33 Cr	₹4.58 Cr	₹3.57 Cr
Balance sheet
Equity / Net worth	₹49.77 Cr	₹33.39 Cr	₹44.73 Cr	₹52.78 Cr
Borrowings	₹7.02 Cr	₹6.48 Cr	₹9.64 Cr	₹10.96 Cr
Current liabilities	₹19.50 Cr	₹9.07 Cr	₹8.61 Cr	₹10.00 Cr
Total liabilities	₹34.16 Cr	₹29.42 Cr	₹19.17 Cr	₹24.14 Cr
Current assets	₹42.36 Cr	₹32.43 Cr	₹28.57 Cr	₹40.56 Cr
Cash & equivalents	₹8.38 Cr	₹6.37 Cr	₹11.27 Cr	₹14.81 Cr
Total assets	₹83.93 Cr	₹62.82 Cr	₹63.90 Cr	₹76.92 Cr
Employees	27	241	240	124

Gain deeper financial insights of this entity

Audited financials & ratios for Perfect Smart Core Banking.

~~₹999~~₹249(excl. taxes)

Buy Financial Report

What you'll get

Financial Summary & Charts
Income Statement, Balance Sheet, Cashflow
Profitability, Liquidity & Growth Ratios
Audited Financial Statement (AOC-4)

Compounded Annual Growth Rate

Derived from multi-FY filingsLocked

Metric	Latest value	1Y CAGR	3Y CAGR	5Y CAGR
Revenue	₹73.69 Cr	+26.3%	+13.0%	+1.1%
Profit after Tax	₹6.00 Cr	+34.2%	+12.0%	+8.4%
Net Worth	₹49.77 Cr	-3.8%	+21.0%	+3.1%
Employees	27	+32.8%	+17.0%	+10.9%

Gain deeper financial insights of this entity

Audited financials & ratios for Perfect Smart Core Banking.

~~₹999~~₹249(excl. taxes)

Buy Financial Report

What you'll get

Financial Summary & Charts
Income Statement, Balance Sheet, Cashflow
Profitability, Liquidity & Growth Ratios
Audited Financial Statement (AOC-4)

Financial Ratios

Profitability · leverage · efficiencyLocked

FY	Revenue	PAT	PAT margin	Rev growth	ROE	ROA	D/E	Rev/emp
FY2024-25	₹73.69 Cr	₹6.00 Cr	+8.14%	+24.47%	+12.05%	+7.15%	0.14	₹2.73 Cr
FY2023-24	₹59.74 Cr	₹5.33 Cr	+8.92%	+7.94%	+15.95%	+8.48%	0.19	₹24.79 L
FY2022-23	₹59.41 Cr	₹4.58 Cr	+7.72%	+13.15%	+10.25%	+7.17%	0.22	₹24.75 L
FY2021-22	₹49.05 Cr	₹3.57 Cr	+7.28%	+37.05%	+6.77%	+4.64%	0.21	₹39.55 L

Gain deeper financial insights of this entity

Audited financials & ratios for Perfect Smart Core Banking.

~~₹999~~₹249(excl. taxes)

Buy Financial Report

What you'll get

Financial Summary & Charts
Income Statement, Balance Sheet, Cashflow
Profitability, Liquidity & Growth Ratios
Audited Financial Statement (AOC-4)

Cap Table & Shareholding

Promoter · institutional · publicLocked

Category	Shareholders	Shares held	%
Promoters	2	90,68,887	64.57%
Institutional Investors	2	15,09,947	10.75%
Public & Others	34	34,66,496	24.68%

See the full shareholding pattern

Promoter, institutional & public holding for Perfect Smart Core Banking.

~~₹499~~₹169(excl. taxes)

Buy Financial & Company Filings

What you'll get

Incorporation Documents
Change in Directors & Designated Partner
Board Resolutions
Financial Statements & Annual Filings
Charge Documents (Summary)

Peer Benchmark

41 peersSame sector + state + ±5y vintage

MetricThis companyCohort medianCohort P75Quartile

Revenue (latest FY)

—

PAT (latest FY)

—

Employees

—

Paid-up capital

—

Compliance Health

Bottom quartile · P0

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External data sources

7 plannedWhat lands here as ingestion comes online

GSTIN Registrations

Planned

GST portal

Per-state GSTINs + GSTR-1/3B filing cadence + turnover bracket. PAN-keyed scrape.

MSME Payment Delays

Planned

MSME-1 form

Half-yearly disclosure of payments delayed beyond 45 days to MSME suppliers.

Related Party Transactions

Planned

AOC-4 schedule

Counterparty, nature, transaction value. Inter-company loans, sales, royalty.

Credit Ratings

Planned

CRISIL / ICRA / CARE feeds

Long-term + short-term ratings, with rationale on rating actions.

Trademarks

Planned

IP India Trademark Registry

Applied, registered, opposed. Class numbers + status.

Patents

Planned

IP India Patent Registry

Applications and grants. Inventor names + filing dates.

Legal Cases

Planned

eCourts + Indian Kanoon

Ongoing + past litigations the entity is party to.

Each source is wired as a separate ingestion adapter behind the scraper. Live status flips per CIN as records land.

FAQs about Perfect Smart Core Banking

When was Perfect Smart Core Banking incorporated?

Perfect Smart Core Banking was incorporated in 2013. Its CIN is U72200KL2003PTC016481 and it is registered with the relevant Registrar of Companies.

Where is Perfect Smart Core Banking located?

Perfect Smart Core Banking is headquartered in Kerala.

What sector does Perfect Smart Core Banking operate in?

Perfect Smart Core Banking operates in the IT & Software sector (NIC code 72200), classified as Indian Non-Govt Company.

Who are the directors of Perfect Smart Core Banking?

Director details for Perfect Smart Core Banking have not yet been extracted from MGT-7 filings.

What is the paid-up capital of Perfect Smart Core Banking?

Perfect Smart Core Banking has authorized capital of — and paid-up capital of —.

Does Perfect Smart Core Banking have any open charges?

Perfect Smart Core Banking has no open MCA-registered charges on record.

What is Perfect Smart Core Banking's Compliance Health Score?

RegisterKaro's Compliance Health Score for Perfect Smart Core Banking is 30/100 (grade F), based on 9 weighted signals across MCA filings, charges, directors, capital, and overall status. 3 of 9 signals passed.