| Total Issue Size | ₹80.00 CrBase + Green Shoe |
|---|---|
| Market Cap | ₹447.11 CrSmall Cap |
| Coupon Rate | 11.00%Fixed Monthly |
| ROE Annual | 53.08%Profitability |
| Execution period | 15 months |
Key highlights
- Issuance of up to 80,000 senior secured NCDs with a face value of ₹10,000 each
- Total fundraise comprises a ₹50 crore base issue and a ₹30 crore green shoe option
- Fixed coupon rate of 11.00% per annum, with interest payable on a monthly basis
- Instrument tenure set at 15 months from the deemed date of allotment on October 08, 2026
- Debentures will be secured by a 1.10x cover over the company's identified loan receivables
What Is the Fund Raise?
Unifinz Capital India Ltd has authorized the issuance of up to 80,000 senior, secured, rated, and listed non-convertible debentures (NCDs) on a private placement basis. The transaction includes a primary issue size of ₹50 crore and an additional green shoe option of ₹30 crore, totaling ₹80 crore. These instruments carry a face value of ₹10,000 each and offer a fixed coupon rate of 11.00% per annum, payable monthly.
The deemed date of allotment is scheduled for October 08, 2026, with a final redemption date set for January 08, 2028, representing a 15-month tenure.
Security and Listing Terms
- NCDs will be listed on the Wholesale Debt Market segment of BSE Limited
- Secured by a first ranking exclusive charge over identified book debts and loan receivables
- Asset cover ratio is maintained at a minimum of 1.10 times the outstanding amount
- A payment default triggers an additional interest of 4% per annum above the coupon rate
- Redemption is structured on a pari passu basis at the end of the 15-month term
Business and Strategic Overview
Operating under the brand lendingplate, Unifinz Capital India is a fintech-driven NBFC specializing in digital lending. The firm focuses on personal loans and credit solutions for urban consumers, utilizing automated credit engines for assessment. This fundraise signals a strategic move to diversify its liability profile and secure long-term capital for loan book expansion.
By opting for listed NCDs, the company aligns its funding with a regulated debt framework while offering investors a secured instrument with consistent monthly payouts.
Financial Context
The company has demonstrated significant growth, with annual operating revenue surging by 319.41% and net profit increasing by 334.5% in the latest fiscal cycle. For the trailing twelve months, the company reported a net profit of ₹87.68 crore. Despite this trajectory, the stock trades at a TTM P/E ratio of 5.1, compared to a sector average of 21.53.
The firm maintains a strong annual Return on Equity (ROE) of 53.08% and a Return on Assets (ROA) of 18.18%, though cash from operating activities remains negative at ₹190.42 crore, typical for high-growth lending entities.
| Share price | ₹101 |
|---|---|
| Market capitalisation | ₹447.11 |
| Revenue (annual) | ₹511.57 |
| Net profit (annual) | ₹87.14 |
| P/E (TTM) | 5.1×Sector 21.53× |
| Promoter holding | 19.84%-4.80% QoQ |
| FII holding | 11.29%Current quarter |
Reference market data from a third-party provider, as of the story. Not a valuation or a recommendation.
Exchange filing by Unifinz Capital India Ltd announcing the approval of NCD issuance for fund raising by the ALM Committee. Market figures from a third-party data provider.
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