CRED 2026-01-01 2026-03-31 CRED 2026-03-31 CRED 2025-03-31 CRED 2025-04-01 2026-03-31 CRED 2026-01-01 2026-03-31 in-capmkt:OtherExpenses1Member CRED 2026-01-01 2026-03-31 in-capmkt:OtherExpenses2Member CRED 2025-04-01 2026-03-31 in-capmkt:OtherExpenses1Member CRED 2025-04-01 2026-03-31 in-capmkt:OtherExpenses2Member CRED 2026-03-31 OtherNoncurrentFinancialAssetsDomain1 CRED 2026-03-31 OtherNoncurrentFinancialAssetsDomain2 CRED 2026-03-31 OtherNoncurrentAssetsDomain1 CRED 2026-03-31 OtherCurrentFinancialAssetsDomain1 CRED 2026-03-31 OtherCurrentAssetsDomain1 CRED 2026-03-31 OtherNoncurrentFinancialLiabilitiesDomain1 CRED 2026-03-31 OtherNoncurrentFinancialLiabilitiesDomain2 CRED 2026-03-31 OtherCurrentFinancialLiabilitiesDomain1 CRED 2026-03-31 OtherCurrentLiabilitiesDomain1 CRED 2026-01-01 2026-03-31 ItemsThatWillNotBeReclassifiedToProfitAndLoss1 CRED 2025-04-01 2026-03-31 ItemsThatWillNotBeReclassifiedToProfitAndLoss1 CRED 2026-01-01 2026-03-31 ItemsThatWillBeReclassifiedToProfitAndLoss1 CRED 2025-04-01 2026-03-31 ItemsThatWillBeReclassifiedToProfitAndLoss1 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain1 CRED 2025-12-31 RelatedPartyTransactionDomain1 CRED 2026-03-31 RelatedPartyTransactionDomain1 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain2 CRED 2025-12-31 RelatedPartyTransactionDomain2 CRED 2026-03-31 RelatedPartyTransactionDomain2 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain3 CRED 2025-12-31 RelatedPartyTransactionDomain3 CRED 2026-03-31 RelatedPartyTransactionDomain3 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain4 CRED 2025-12-31 RelatedPartyTransactionDomain4 CRED 2026-03-31 RelatedPartyTransactionDomain4 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain5 CRED 2025-12-31 RelatedPartyTransactionDomain5 CRED 2026-03-31 RelatedPartyTransactionDomain5 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain6 CRED 2025-12-31 RelatedPartyTransactionDomain6 CRED 2026-03-31 RelatedPartyTransactionDomain6 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain7 CRED 2025-12-31 RelatedPartyTransactionDomain7 CRED 2026-03-31 RelatedPartyTransactionDomain7 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain8 CRED 2025-12-31 RelatedPartyTransactionDomain8 CRED 2026-03-31 RelatedPartyTransactionDomain8 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain9 CRED 2025-12-31 RelatedPartyTransactionDomain9 CRED 2026-03-31 RelatedPartyTransactionDomain9 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain10 CRED 2025-12-31 RelatedPartyTransactionDomain10 CRED 2026-03-31 RelatedPartyTransactionDomain10 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain11 CRED 2025-12-31 RelatedPartyTransactionDomain11 CRED 2026-03-31 RelatedPartyTransactionDomain11 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain12 CRED 2025-12-31 RelatedPartyTransactionDomain12 CRED 2026-03-31 RelatedPartyTransactionDomain12 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain13 CRED 2025-12-31 RelatedPartyTransactionDomain13 CRED 2026-03-31 RelatedPartyTransactionDomain13 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain14 CRED 2025-12-31 RelatedPartyTransactionDomain14 CRED 2026-03-31 RelatedPartyTransactionDomain14 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain15 CRED 2025-12-31 RelatedPartyTransactionDomain15 CRED 2026-03-31 RelatedPartyTransactionDomain15 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain16 CRED 2025-12-31 RelatedPartyTransactionDomain16 CRED 2026-03-31 RelatedPartyTransactionDomain16 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain17 CRED 2025-12-31 RelatedPartyTransactionDomain17 CRED 2026-03-31 RelatedPartyTransactionDomain17 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain18 CRED 2025-12-31 RelatedPartyTransactionDomain18 CRED 2026-03-31 RelatedPartyTransactionDomain18 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain19 CRED 2025-12-31 RelatedPartyTransactionDomain19 CRED 2026-03-31 RelatedPartyTransactionDomain19 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain20 CRED 2025-12-31 RelatedPartyTransactionDomain20 CRED 2026-03-31 RelatedPartyTransactionDomain20 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain21 CRED 2025-12-31 RelatedPartyTransactionDomain21 CRED 2026-03-31 RelatedPartyTransactionDomain21 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain22 CRED 2025-12-31 RelatedPartyTransactionDomain22 CRED 2026-03-31 RelatedPartyTransactionDomain22 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain23 CRED 2025-12-31 RelatedPartyTransactionDomain23 CRED 2026-03-31 RelatedPartyTransactionDomain23 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain24 CRED 2025-12-31 RelatedPartyTransactionDomain24 CRED 2026-03-31 RelatedPartyTransactionDomain24 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain25 CRED 2025-12-31 RelatedPartyTransactionDomain25 CRED 2026-03-31 RelatedPartyTransactionDomain25 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain26 CRED 2025-12-31 RelatedPartyTransactionDomain26 CRED 2026-03-31 RelatedPartyTransactionDomain26 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain27 CRED 2025-12-31 RelatedPartyTransactionDomain27 CRED 2026-03-31 RelatedPartyTransactionDomain27 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain28 CRED 2025-12-31 RelatedPartyTransactionDomain28 CRED 2026-03-31 RelatedPartyTransactionDomain28 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain29 CRED 2025-12-31 RelatedPartyTransactionDomain29 CRED 2026-03-31 RelatedPartyTransactionDomain29 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain30 CRED 2025-12-31 RelatedPartyTransactionDomain30 CRED 2026-03-31 RelatedPartyTransactionDomain30 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain31 CRED 2025-12-31 RelatedPartyTransactionDomain31 CRED 2026-03-31 RelatedPartyTransactionDomain31 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain32 CRED 2025-12-31 RelatedPartyTransactionDomain32 CRED 2026-03-31 RelatedPartyTransactionDomain32 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain33 CRED 2025-12-31 RelatedPartyTransactionDomain33 CRED 2026-03-31 RelatedPartyTransactionDomain33 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain34 CRED 2025-12-31 RelatedPartyTransactionDomain34 CRED 2026-03-31 RelatedPartyTransactionDomain34 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain35 CRED 2025-12-31 RelatedPartyTransactionDomain35 CRED 2026-03-31 RelatedPartyTransactionDomain35 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain36 CRED 2025-12-31 RelatedPartyTransactionDomain36 CRED 2026-03-31 RelatedPartyTransactionDomain36 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain37 CRED 2025-12-31 RelatedPartyTransactionDomain37 CRED 2026-03-31 RelatedPartyTransactionDomain37 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain38 CRED 2025-12-31 RelatedPartyTransactionDomain38 CRED 2026-03-31 RelatedPartyTransactionDomain38 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain39 CRED 2025-12-31 RelatedPartyTransactionDomain39 CRED 2026-03-31 RelatedPartyTransactionDomain39 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain40 CRED 2025-12-31 RelatedPartyTransactionDomain40 CRED 2026-03-31 RelatedPartyTransactionDomain40 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain41 CRED 2025-12-31 RelatedPartyTransactionDomain41 CRED 2026-03-31 RelatedPartyTransactionDomain41 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain42 CRED 2025-12-31 RelatedPartyTransactionDomain42 CRED 2026-03-31 RelatedPartyTransactionDomain42 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain43 CRED 2025-12-31 RelatedPartyTransactionDomain43 CRED 2026-03-31 RelatedPartyTransactionDomain43 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain44 CRED 2025-12-31 RelatedPartyTransactionDomain44 CRED 2026-03-31 RelatedPartyTransactionDomain44 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain45 CRED 2025-12-31 RelatedPartyTransactionDomain45 CRED 2026-03-31 RelatedPartyTransactionDomain45 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain46 CRED 2025-12-31 RelatedPartyTransactionDomain46 CRED 2026-03-31 RelatedPartyTransactionDomain46 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain47 CRED 2025-12-31 RelatedPartyTransactionDomain47 CRED 2026-03-31 RelatedPartyTransactionDomain47 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain48 CRED 2025-12-31 RelatedPartyTransactionDomain48 CRED 2026-03-31 RelatedPartyTransactionDomain48 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain49 CRED 2025-12-31 RelatedPartyTransactionDomain49 CRED 2026-03-31 RelatedPartyTransactionDomain49 CRED 2026-01-01 2026-03-31 RelatedPartyTransactionDomain50 CRED 2025-12-31 RelatedPartyTransactionDomain50 CRED 2026-03-31 RelatedPartyTransactionDomain50 CRED 2026-01-01 2026-03-31 AuditorDomain1 iso4217:INR iso4217:INR xbrli:shares 000000 000000 CRED INE405N01016 Credifin Limited (formerly known as PHF Leasing Limited) Main Board Equity 2025-04-01 2026-03-31 2026-05-05 2026-04-27 INR Lakhs Quarterly Fourth quarter Single segment Company as a Whole 2026-05-05 14:11:00 2026-05-05 18:05:00 true Cash Flow Indirect Declaration of unmodified opinion true true NA NA false true 2026-05-05 https://www.credif.in/disclosure-under-regulation-46 false false There are no defaults on Loans and there is no debt securities of the entity 2026-01-01 2026-03-31 Audited Standalone 216168000 26199000 242367000 0 0 0 61090000 86311000 4623000 42408000 194432000 47935000 0 47935000 -117000 12871000 12754000 0 35181000 0 0 0 0 35181000 36000 35217000 308293000 10 1.14 1.14 0 0 1.14 1.14 2025-04-01 2026-03-31 Audited Standalone 701155000 78431000 779586000 0 0 0 242149000 321807000 18757000 126126000 708839000 70747000 0 70747000 17096000 6784000 23880000 0 46867000 0 0 0 0 46867000 325000 47192000 308293000 10 560762000 2.17 2.17 0 0 2.17 2.17 Impairment on financial instruments 22267000 Other expenses 20141000 Impairment on financial instruments 49278000 Other expenses 76848000 41947000 117000 0 0 15809000 0 0 0 131949000 0 1534026000 84084000 1750059000 0 9158000 1817090000 0 88983000 52847000 502257000 236272000 1068445000 96225000 2045029000 0 1328000 2046357000 3863447000 308293000 560762000 869055000 869055000 1309843000 0 0 0 65006000 1374849000 1540000 15378000 1391767000 1380025000 510000 186057000 186567000 20692000 1587284000 9253000 0 6088000 1602625000 2994392000 3863447000 Right of Use Assets 50906000 Other non current financial assets 33178000 Other non current assets 9158000 Other current financial assets 96225000 Other current assets 1328000 Lease Liability 59217000 Other financial liabilities 5789000 Other financial liabilities 20692000 Statutory dues 9253000 321807000 0 0 0 -20485000 0 0 -410254000 0 78063000 0 0 0 0 0 156000 0 -67960000 0 0 0 659638000 0 0 0 0 0 26202000 0 -732109000 -661362000 0 325675000 694902000 7004000 0 -299139000 0 0 0 0 0 0 0 0 208000 12222000 0 0 0 0 0 0 0 0 0 0 0 0 160262000 0 0 0 0 0 18583000 0 0 -153693000 0 0 0 150316000 0 0 0 320022000 260693000 4713000 7218000 0 0 0 0 719100000 266268000 0 266268000 472261000 738529000 Net gain on equity instruments designated at FVOCI -752000 -752000 Net gain on equity instruments designated at FVOCI -416000 -416000 -139000 -54000 Re-measurement losses on defined benefit plans 877000 877000 Re-measurement losses on defined benefit plans 918000 918000 228000 231000 36000 325000 Credifin Limited Vijay Kumar Sareen Whole Time Director Interest paid 5312000 Approved 293000 4623000 5859000 Credifin Limited Vijay Kumar Sareen Whole Time Director Interest paid 1500000 Approved 93000 1653000 1685000 Credifin Limited Aashim Sareen Son of Whole Time Director Interest paid 5025000 Approved 314000 5405000 5636000 Credifin Limited Aashim Sareen Son of Whole Time Director Interest paid 2010000 Approved 186000 3051000 3217000 Credifin Limited Aashim Sareen Son of Whole Time Director Interest paid 500000 Approved 28000 500000 500000 Credifin Limited Swati Gupta Daughter-In-Law of Whole Time Director Interest paid 1342000 Approved 87000 1486000 1564000 Credifin Limited Swati Gupta Daughter-In-Law of Whole Time Director Interest paid 2010000 Approved 186000 3051000 3217000 Credifin Limited Swati Gupta Daughter-In-Law of Whole Time Director Interest paid 500000 Approved 28000 500000 500000 Credifin Limited Sangeeta Sareen Wife of Whole Time Director Interest paid 6592000 Approved 405000 7070000 7385000 Credifin Limited Sangeeta Sareen Wife of Whole Time Director Interest paid 800000 Approved 47000 800000 800000 Credifin Limited Sangeeta Sareen Wife of Whole Time Director Interest paid 1815000 Approved 113000 2013000 2064000 Credifin Limited Parveen Arora Sister of Whole Time Director Interest paid 1918000 Approved 108000 1856000 2070000 Credifin Limited Aarish Sareen Son of Whole Time Director Interest paid 1341000 Approved 74000 1306000 1373000 Credifin Limited Aarish Sareen Son of Whole Time Director Interest paid 500000 Approved 28000 500000 500000 Credifin Limited Shant Kumar Gupta Father of Director Interest paid 840000 Approved 53000 871000 919000 Credifin Limited Manthan Gupta Brother of Director Interest paid 650000 Approved 40000 489000 705000 Credifin Limited Manthan Gupta Brother of Director Interest paid 500000 Approved 47000 811000 854000 Credifin Limited Manthan Gupta Brother of Director Any other transaction Professional Fees 330000 Approved 330000 0 0 Credifin Limited Meghal Gupta Non-Executive Director Interest paid 3593000 Approved 230000 3604000 4028000 Credifin Limited Meghal Gupta Non-Executive Director Interest paid 800000 Approved 78000 1317000 1388000 Credifin Limited Meghal Gupta Non-Executive Director Any other transaction Professional Fees 660000 Approved 660000 0 0 Credifin Limited Neha Gupta Mother of Director Interest paid 702000 Approved 44000 632000 762000 Credifin Limited Neha Gupta Mother of Director Interest paid 200000 Approved 20000 336000 354000 Credifin Limited Arushi Jindal Wife of Director Interest paid 957000 Approved 61000 844000 1079000 Credifin Limited Arushi Jindal Wife of Director Interest paid 100000 Approved 8000 144000 152000 Credifin Limited Isha Jindal Daughter of Director Interest paid 3000000 Approved 160000 0 4497000 Credifin Limited Sangeeta Sareen Wife of Whole Time Director Any other transaction Rent 139000 Approved 139000 0 0 Credifin Limited Deepali Gupta Mother of Managing Director and Chief Executive Officer Any other transaction Rent 900000 Approved 900000 0 0 Credifin Limited Deepali Gupta Mother of Managing Director and Chief Executive Officer Any other transaction Rent 300000 Approved 300000 0 0 Credifin Limited Dinesh Gupta Father of Managing Director and Chief Executive Officer Any other transaction Rent 600000 Approved 600000 0 0 Credifin Limited Dinesh Gupta Father of Managing Director and Chief Executive Officer Any other transaction Professional Charges 469000 Approved 469000 0 0 Credifin Limited Vijay Kumar Sareen Whole Time Director Any other transaction Remuneration 1224000 Approved 1224000 0 0 Credifin Limited Shikha Kapoor Company Secretary Any other transaction Remuneration 10000 Approved 10000 0 0 Credifin Limited Manika Arora Company Secretary Any other transaction Remuneration 188000 Approved 188000 0 0 Credifin Limited Kuldip Bhandari Chief Financial Officer Any other transaction Remuneration 652000 Approved 652000 0 0 Credifin Limited Kumar Shalya Gupta Managing Director and Chief Executive Officer Any other transaction Remuneration 8510000 Approved 8510000 0 0 Credifin Limited Ashwani Kumar Jindal Independent Director Interest paid 1600000 Approved 80000 0 0 Credifin Limited Ashwani Kumar Jindal Independent Director Any other transaction Sitting Fees 75000 Approved 75000 0 0 Credifin Limited Aditi Kapur Independent Director Any other transaction Sitting Fees 60000 Approved 60000 0 0 Credifin Limited Sunil Kumar Mehta Independent Director Any other transaction Sitting Fees 150000 Approved 150000 0 0 Credifin Limited Shant Kumar Gupta HUF HUF of Director Interest paid 1000000 Approved 97000 0 0 Credifin Limited Shant Kumar Gupta HUF HUF of Director Interest paid 4375000 Approved 136000 0 0 Credifin Limited Dinesh Gupta & Co Firm of Relative of Chief Executive Officer Any other transaction Professional Fees 498000 Approved 498000 0 0 Credifin Limited DSB Law Group Company of Relative of Managing Director and Chief Executive Officer Any other transaction Professional Fees 498000 Approved 498000 0 0 Credifin Limited DSB Tax Consultant Firm of Relative of Managing Director and Chief Executive Officer Any other transaction Professional Fees 252000 Approved 252000 0 0 Credifin Limited Dinesh Gupta Father of Managing Director and Chief Executive Officer Any other transaction Reimbursement of expenses 599000 Approved 599000 0 0 Credifin Limited Meghal Gupta Non-Executive Director Any other transaction Reimbursement of expenses 202000 Approved 0 0 0 Credifin Limited Kumar Shalya Gupta Managing Director and Chief Executive Officer Any other transaction Reimbursement of expenses 1040000 Approved 1040000 0 0 Credifin Limited Vijay Kumar Sareen Whole Time Director Any other transaction Reimbursement of expenses 22000 Approved 22000 0 0 Credifin Limited Agile Finserv Private Limited Company Interest paid 5100000 Approved 492000 8273000 8716000 20712000 Audited true GSA & Associates LLP true 2027-03-31