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Smelending

U72100KA2002PTC031375ActivePrivateUnlisted

Last updated: 2026-06-09

Compliance Health · F

3 / 9 signals passed

Smelending is a Private Indian company incorporated in 2002 and based in Karnataka, India. Smelending operates in IT & Software (NIC 72100) 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

2002

24 years old

State

Karnataka

Sector

IT & Software

NIC 72100

Class

Private

Sub-category

—

Authorized Capital

—

Paid-up Capital

—

Members

—

Last AGM

—

Last Balance Sheet

—

Latest Filing

—

Registered Email

—

Registered Office

—

SmelendingTRACXN · PUBLIC DATA

Brand Smelending · Legal entity Smelending

Smelending - Platform offering business loan solutions.

Total Funding

Latest Round

—

Revenue

Valuation

Funding Rounds

—

Employees

173

Stage

—

Bengaluru

Founded

2002

Source: Tracxn (public profile) · joined to MCA on CIN U72100KA2002PTC031375

Quick facts

Identity · Activity · Auditor · Contact

Registered office

—

NIC code

72100

Statutory auditor

Awaiting ADT-1 / AOC-4 extraction

Registered email

—

Section

IT & Software

ROC

—

Website

http://smelending.com

Class · sub-category

Private

Incorporation · Last AGM

— · —

Directors

From MGT-7 annual returnLocked

Arun Malhotra

Managing Director

7.9y · New Delhi · DIN 6166733

Anita Desai

Managing Director

5.7y · New Delhi · DIN 5801125

Rajesh Kumar Sharma

Director

3.5y · Ahmedabad · DIN 2306237

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Directors, DINs & appointment history for Smelending.

~~₹499~~₹169(excl. taxes)

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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	+21d	filed
MGT-7	FY2024-25	27 Nov 2024	29 Nov 2024	0d	filed
AOC-4	FY2023-24	30 Oct 2023	30 Oct 2023	+29d	filed
MGT-7	FY2023-24	20 Nov 2023	29 Nov 2023	0d	filed
AOC-4	FY2022-23	30 Oct 2022	30 Oct 2022	+32d	filed
MGT-7	FY2022-23	27 Nov 2022	29 Nov 2022	0d	filed

Get financial statements & other filing documents

Full MCA filing history for Smelending.

~~₹499~~₹169(excl. taxes)

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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
129132973	Axis Bank Ltd(Bank)	₹12.43 Cr	12 Mar 2019	Open
723898119	Axis Bank Ltd(Bank)	₹20.62 Cr	19 Sep 2022	Satisfied
547428955	Kotak Mahindra Bank Ltd(Bank)	₹21.32 Cr	04 Jul 2021	Satisfied
145717072	Axis Bank Ltd(Bank)	₹18.61 Cr	12 Mar 2021	Open
411311931	HDFC Bank Ltd(Bank)	₹15.69 Cr	12 Mar 2021	Open

See registered charges & lenders

Charge IDs, lenders & amounts for Smelending.

~~₹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	₹49.50 Cr	₹5.41 Cr	₹21.09 Cr	₹64.79 Cr	19
FY2023-24	₹42.12 Cr	₹4.09 Cr	₹24.05 Cr	₹40.55 Cr	31
FY2022-23	₹36.22 Cr	₹4.16 Cr	₹16.88 Cr	₹36.76 Cr	285
FY2021-22	₹36.14 Cr	₹4.34 Cr	₹14.24 Cr	₹35.90 Cr	256

Gain deeper financial insights of this entity

Audited financials & ratios for Smelending.

~~₹999~~₹249(excl. taxes)

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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	₹49.50 Cr	₹42.12 Cr	₹36.22 Cr	₹36.14 Cr
Other income	₹90.49 L	₹1.47 Cr	₹1.29 Cr	₹19.54 L
Total income	₹50.40 Cr	₹43.59 Cr	₹37.50 Cr	₹36.33 Cr
Total expenses	₹43.48 Cr	₹38.35 Cr	₹32.18 Cr	₹30.77 Cr
Profit before tax	₹7.03 Cr	₹5.32 Cr	₹5.41 Cr	₹5.65 Cr
Profit / (Loss) after tax	₹5.41 Cr	₹4.09 Cr	₹4.16 Cr	₹4.34 Cr
Balance sheet
Equity / Net worth	₹21.09 Cr	₹24.05 Cr	₹16.88 Cr	₹14.24 Cr
Borrowings	₹13.30 Cr	₹7.47 Cr	₹5.45 Cr	₹6.99 Cr
Current liabilities	₹13.65 Cr	₹6.83 Cr	₹11.09 Cr	₹11.91 Cr
Total liabilities	₹43.71 Cr	₹16.50 Cr	₹19.88 Cr	₹21.66 Cr
Current assets	₹28.22 Cr	₹18.72 Cr	₹13.07 Cr	₹21.29 Cr
Cash & equivalents	₹5.12 Cr	₹2.62 Cr	₹2.40 Cr	₹5.19 Cr
Total assets	₹64.79 Cr	₹40.55 Cr	₹36.76 Cr	₹35.90 Cr
Employees	19	31	285	256

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Audited financials & ratios for Smelending.

~~₹999~~₹249(excl. taxes)

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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	₹49.50 Cr	+29.6%	+14.8%	+2.1%
Profit after Tax	₹5.41 Cr	+14.1%	+15.4%	+20.9%
Net Worth	₹21.09 Cr	-1.2%	-0.5%	-0.5%
Employees	19	-4.0%	-6.0%	+10.8%

Gain deeper financial insights of this entity

Audited financials & ratios for Smelending.

~~₹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	₹49.50 Cr	₹5.41 Cr	+10.92%	+12.16%	+25.64%	+8.34%	0.63	₹2.61 Cr
FY2023-24	₹42.12 Cr	₹4.09 Cr	+9.71%	+22.87%	+17.00%	+10.08%	0.31	₹1.36 Cr
FY2022-23	₹36.22 Cr	₹4.16 Cr	+11.49%	+4.24%	+24.65%	+11.32%	0.32	₹12.71 L
FY2021-22	₹36.14 Cr	₹4.34 Cr	+12.02%	+5.40%	+30.50%	+12.10%	0.49	₹14.12 L

Gain deeper financial insights of this entity

Audited financials & ratios for Smelending.

~~₹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	3	2,84,73,485	64.26%
Institutional Investors	1	39,29,647	8.87%
Public & Others	42	1,19,06,738	26.87%

See the full shareholding pattern

Promoter, institutional & public holding for Smelending.

~~₹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

43 peersSame sector + state + ±5y vintage

MetricThis companyCohort medianCohort P75Quartile

Revenue (latest FY)

—

PAT (latest FY)

—

Employees

—

Paid-up capital

—

Compliance Health

Bottom quartile · P0

Top 10 in IT & Software

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Revenue

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Paid-up

Revenue

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Paid-up

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Paid-up

Revenue

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Cloudsense

Karnataka · Inc 2009

Paid-up

Revenue

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Healthipass

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Paid-up

Revenue

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Unbxd

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Paid-up

Revenue

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Practo

TZ · Inc 2008

Paid-up

Revenue

C · 63

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 Smelending

When was Smelending incorporated?

Smelending was incorporated in 2002. Its CIN is U72100KA2002PTC031375 and it is registered with the relevant Registrar of Companies.

Where is Smelending located?

Smelending is headquartered in Karnataka.

What sector does Smelending operate in?

Smelending operates in the IT & Software sector (NIC code 72100), classified as Indian Non-Govt Company.

Who are the directors of Smelending?

Director details for Smelending have not yet been extracted from MGT-7 filings.

What is the paid-up capital of Smelending?

Smelending has authorized capital of — and paid-up capital of —.

Does Smelending have any open charges?

Smelending has no open MCA-registered charges on record.

What is Smelending's Compliance Health Score?

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