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Unifinz Capital India Ltd (541358)

📊 BSE: 541358 🏢 Non Banking Financial Company (NBFC) 📢 Latest filing: 15 Oct 2026 📝 Analysis written: 13 Nov 2025

Latest quarterly results (Q1 FY27)

In its latest reported quarter, Q1 FY27, Unifinz Capital's net interest income was ₹157 Cr (+95.9% year on year, +12.0% on the previous quarter), and net profit ₹17.4 Cr (+2.1% year on year).

Q1 FY27 (₹ Cr)	Value	YoY vs Q1 FY26	QoQ
Net interest income	₹157	+95.9%	+12.0%
Operating profit	₹23.2	—	—
Net profit	₹17.4	+2.1%	-8.7%
EPS (₹)	3.92	+3.4%	-9.7%

Full quarterly financials → Results calendar →

📢 Recent Corporate Announcements

Unifinz Capital approves ₹99.97 Cr preferential warrant issue at ₹102/share

🟢 POSITIVE ⭐ 9/10

FUNDRAISE 📅 15 Oct 2026, 04:38 PM

Unifinz Capital India's Board approved the issuance of up to 98,01,000 convertible warrants at ₹102 per warrant on a preferential basis to non-promoter investors, aggregating to ₹99.97 crore. This fundraise is substantial, representing ~22.5% of the company's current market cap of ₹445 crore and ~61% of its net worth (₹164 crore). The issue involves 7 non-promoter investors, with Kotia Enterprises Limited set to receive 37.85 lakh warrants and Paaven Bansal 29.40 lakh warrants. The warrants have an 18-month tenure and are subject to shareholder approval at an EGM on November 11, 2026.

Board approved issuance of up to 98,01,000 convertible warrants aggregating up to ₹99,97,02,000 (₹99.97 crore)
Issue price set at ₹102 per warrant, near the current trading price of ₹100.9
Allotted to 7 non-promoter investors, led by Kotia Enterprises Limited (37,85,000 warrants) and Paaven Bansal (29,40,000 warrants)
Warrant conversion tenor is up to 18 months from allotment date
Extraordinary General Meeting (EGM) scheduled for November 11, 2026, with cut-off date on November 04, 2026

💡 Track shareholder voting results at the EGM on November 11, 2026, and monitor subsequent warrant subscription inflows and deployment into loan book expansion.

Unifinz Capital Board to Meet on Oct 15, 2026 to Consider Fundraise via Preferential Issue

🔵 WATCH ⭐ 4/10

BOARD_MEETING 📅 12 Oct 2026, 04:31 PM

Unifinz Capital India Ltd has scheduled a Board of Directors meeting on October 15, 2026, to consider raising funds via equity shares, share warrants, or other eligible securities on a preferential basis. The exact amount and terms of the proposed issuance have not yet been disclosed. The company currently has a market capitalization of ₹445 Cr with TTM revenue of ₹609 Cr and net worth of ₹164 Cr. Additionally, trading window remains closed for designated persons until 48 hours after Q2 FY27 results.

Board meeting scheduled for Thursday, October 15, 2026
Proposal to raise funds via Equity shares/Share Warrants on a preferential basis
Fundraise is subject to shareholder and regulatory/statutory approvals
Trading window closed from October 01, 2026 until 48 hours after Q2 financial results declaration

💡 Track the outcome of the October 15 board meeting for details on the fundraise quantum, issue price, and potential equity dilution relative to the current market cap of ₹445 Cr.

Unifinz Capital Raises ₹50 Cr via 11% Secured NCDs on Private Placement

🟡 NEUTRAL ⭐ 6/10

FUNDRAISE 📅 08 Oct 2026, 12:47 PM

Unifinz Capital India Ltd has approved the allotment of 50,000 senior, secured, rated, listed, redeemable NCDs aggregating to ₹50 crore on a private placement basis. The NCDs carry a fixed coupon of 11% per annum payable monthly, with a 15-month tenure maturing on January 8, 2028. The debt issuance is rated 'IND BBB-/Stable' by India Ratings and requires an asset cover of at least 1.10x over loan receivables. Compared to the company's net worth of ₹164 crore, this fundraise represents roughly 30.5% of net worth, providing liquidity for loan disbursements.

Allotment of 50,000 senior secured NCDs with aggregate nominal value of ₹50,00,00,000 (₹50 crore)
Fixed coupon rate of 11% per annum payable monthly, with maturity set for January 8, 2028 (15 months tenure)
Security cover of at least 1.10x maintained on identified loan receivables/book debts
Instrument rated 'IND BBB-/Stable' by India Ratings and Research Private Limited
Default interest penalty set at 4% per annum above the regular coupon rate

💡 Monitor whether the borrowed funds translate into expanding the loan book and maintaining net interest margins, alongside tracking asset quality given the 11% borrowing cost.

Unifinz Capital Reports Rs 362.9 Cr Outstanding Across 6 Listed Debt ISINs as of Sept 30, 2026

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 06 Oct 2026, 03:33 PM

Unifinz Capital India Ltd submitted its mandatory half-yearly reporting of listed debt securities (ISINs) for the period ending September 30, 2026, pursuant to SEBI circulars. The company reported six active ISINs (including re-issuances) with aggregate outstanding listed non-convertible debt amounting to Rs 362.9 crore. The coupons on these debt instruments range between 11.00% and 13.00% per annum, all featuring monthly payment schedules without embedded options. Maturity dates span from November 2027 to May 2028.

Total outstanding listed debt reported across 6 ISINs stands at Rs 362.9 crore as of September 30, 2026
Coupon rates on the listed borrowings range between 11.00% and 13.00% with monthly payouts
Maturity dates for the active series range from November 19, 2027 to May 20, 2028
Most recent issuance completed on September 16, 2026 for Rs 50 crore at an 11.00% coupon rate

💡 Track quarterly borrowing costs and net interest margins (NIMs) in upcoming earnings to gauge how these 11-13% coupon borrowings impact profitability.

Unifinz Capital Confirms Monthly NCD Interest Payout Across Four ISINs Totaling ₹312.9 Cr

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 05 Oct 2026, 12:18 PM

Unifinz Capital India Ltd submitted a compliance certificate confirming the timely payment of monthly interest on four non-convertible debenture (NCD) series on October 01, 2026. The underlying NCD issues total ₹312.9 crore in aggregate issue size across ISINs INE926R07019, INE926R07027, INE926R07035, and INE926R07043. The total gross monthly interest paid across the four series was approximately ₹3.30 crore (net ₹3.00 crore after TDS). This is a routine regulatory intimation under SEBI Regulation 57(1).

Confirmed timely monthly interest payment on October 01, 2026 across 4 NCD ISINs
Total issue size across the four NCD tranches stands at ₹312.9 crore (₹105 Cr, ₹92.9 Cr, ₹65 Cr, and ₹50 Cr)
Total gross monthly interest due and paid was ₹3,30,21,603 across all series
Net interest amount disbursed post-TDS was ₹3,00,28,326

💡 Track the upcoming quarterly financial results and continue monitoring regular debt service coverage to verify ongoing liquidity management across its borrowing book.

Unifinz Capital Approves ₹50 Cr NCD Issue at 11.00% Coupon via Private Placement

🟡 NEUTRAL ⭐ 6/10

FUNDRAISE 📅 30 Sep 2026, 12:43 PM

Unifinz Capital India Ltd's Asset Liability Management Committee approved the issuance of senior, secured, rated, listed NCDs worth up to ₹50 crore on a private placement basis. The issuance has a base size of ₹20 crore and a greenshoe option of up to ₹30 crore, representing ~30.5% of its net worth (₹164 crore) and ~11.2% of its market cap (₹445 crore). The debentures carry an 11.00% fixed monthly coupon with a 15-month tenure, maturing on January 08, 2028. The debt will be secured by a 1.10x asset cover over identified book debts and loan receivables.

Issue of up to 50,000 NCDs of face value ₹10,000 each aggregating up to ₹50,00,00,000 (including a ₹30,00,00,000 green shoe option)
Fixed interest coupon of 11.00% per annum, payable monthly
Tenure of 15 months with deemed allotment on October 08, 2026 and maturity on January 08, 2028
Asset cover requirement of at least 1.10 times aggregate outstanding amounts via first ranking charge on loan receivables
Default penalty clause of an additional 4% per annum above the coupon rate

💡 Track the completion of allotment on October 08, 2026, and monitor how efficiently the borrowed capital is deployed into high-yield loan assets to maintain net interest margins.

Unifinz Capital Allots Rs 50 Cr 15-Month Secured NCDs at 11.75% Coupon

🟡 NEUTRAL ⭐ 6/10

FUNDRAISE 📅 19 Aug 2026, 01:06 PM

Unifinz Capital India Ltd has approved the allotment of 50,000 senior, secured, rated, listed NCDs aggregating to Rs 50.00 crore on a private placement basis. The NCDs carry a fixed coupon rate of 11.75% per annum payable monthly, with a 15-month tenure maturing on November 19, 2027. The issuance is rated BBB-/Stable by CRISIL and secured by a 1.10x asset cover on loan receivables. The fundraise equals approximately 30.5% of the company's net worth (Rs 164 crore) and will augment its lending capital.

Allotted 50,000 senior, secured NCDs (face value Rs 10,000) raising Rs 50.00 crore
Fixed coupon rate set at 11.75% per annum, payable monthly
Tenure of 15 months from allotment date August 19, 2026 to maturity date November 19, 2027
Instrument rated BBB-/Stable by CRISIL Ratings with 1.10x asset cover over hypothecated receivables

💡 Track the deployment of funds into asset book growth and monitor net interest margin sustainability against the 11.75% cost of debt.

Rs 70 Cr NCD Issuance Approved at 11.75% Coupon Rate

🟢 POSITIVE ⭐ 7/10

FUNDRAISE 📅 12 Aug 2026, 03:39 PM

Unifinz Capital India Ltd has approved the private placement of Senior Secured Non-Convertible Debentures (NCDs) to raise up to Rs 70 crore (Rs 50 crore base plus a Rs 20 crore green shoe option). The NCDs carry a fixed coupon of 11.75% per annum, payable monthly, with a relatively short tenure of 15 months. This fundraise is significant for the company, representing approximately 42.7% of its current net worth of Rs 164 crore. The capital will likely be used to expand its lending book, though the borrowing cost is relatively high.

Total fundraise of up to Rs 70 crore through 70,000 NCDs with a face value of Rs 10,000 each
Fixed coupon rate of 11.75% per annum to be paid on a monthly basis
Short-term tenure of 15 months with a final redemption date of November 19, 2027
Security cover of 1.10x to be maintained against identified loan receivables
Additional interest of 4% per annum applicable in case of payment defaults

💡 Investors should monitor the company's upcoming quarterly results to see if the deployment of these funds leads to a proportional increase in interest income and how it affects Net Interest Margins (NIMs) given the 11.75% cost of capital.

Rs 1,000 Cr Fundraise: Unifinz Capital to Consider NCD Issuance on August 12

🟢 POSITIVE ⭐ 9/10

FUNDRAISE 📅 08 Aug 2026, 07:17 PM

Unifinz Capital India Ltd has scheduled an Asset Liability & Management Committee meeting for August 12, 2026, to approve a fundraise of up to Rs 1,000 crore. The capital will be raised through the issuance of Non-convertible Debentures (NCDs) on a private placement basis. This proposed amount is highly significant, representing approximately 205% of the company's current market capitalization (Rs 487 Cr) and over 600% of its reported net worth (Rs 164 Cr). The move follows a prior board approval on August 8, 2026, and shareholder approval obtained in July 2026.

Proposed fundraising of up to Rs 1,000 crore via Non-convertible Debentures (NCDs).
The fundraise amount is ~2.05x the company's current market capitalization of Rs 487 crore.
Asset Liability & Management Committee meeting scheduled for August 12, 2026, to approve the proposal.
The issuance will be conducted on a private placement basis within limits approved by shareholders on July 2, 2026.
Fundraise represents ~6.1x the company's current net worth of Rs 164 crore.

💡 Monitor the committee's decision on August 12 for specific terms such as the coupon rate, tenure, and credit rating of the NCDs. The company's ability to successfully place such a large debt relative to its equity base will be a critical indicator of institutional confidence.

Unifinz Capital Revises NCD Borrowing Limit to Rs 1,000 Cr; Q1 FY27 Results Approved

🟡 NEUTRAL ⭐ 6/10

EARNINGS 📅 08 Aug 2026, 06:55 PM

Unifinz Capital India Ltd has approved its financial results for the quarter ended June 30, 2026, and significantly increased its NCD borrowing limit to Rs 1,000 Cr, which is nearly 2x its TTM revenue of Rs 512 Cr. During Q1, the company successfully raised Rs 157.9 Cr through four private placement NCD tranches to fund portfolio growth. A separate fund-raising proposal was deferred, and the company acknowledged paying a fine to BSE for unintentional delayed regulatory filings. Notably, promoter holding has decreased from 24.64% in March 2026 to 19.84% in June 2026.

Revised the umbrella borrowing limit for Non-Convertible Debentures (NCDs) to Rs 1,000 Cr.
Raised a total of Rs 157.9 Cr through four NCD issuances between April 23 and May 29, 2026.
Paid a fine to BSE for delayed compliance under SEBI Regulation 50(1)(d) and 60(2).
Deferred a new fund-raising proposal that was originally scheduled for discussion.
Promoter holding declined to 19.84% as of June 2026 from 24.64% in the previous quarter.

💡 Investors should monitor the upcoming detailed Q1 P&L to assess if the Rs 157.9 Cr raised in debt is translating into AUM growth and maintaining margins. The significant increase in borrowing limits suggests aggressive growth plans, but the regulatory fine and declining promoter stake warrant caution.

Unifinz Capital Approves ₹1,000 Cr NCD Borrowing Limit and Q1 FY27 Results

🔵 WATCH ⭐ 7/10

BOARD_MEETING 📅 08 Aug 2026, 06:48 PM

Unifinz Capital has approved a significant increase in its borrowing limit through Non-Convertible Debentures (NCDs) to ₹1,000 crore, which is approximately 6.1x its current net worth of ₹164 crore. During Q1 FY27, the company successfully raised ₹157.9 crore through four private placement NCD tranches to fund portfolio growth. The board also addressed a regulatory lapse regarding delayed SEBI filings for which a fine was paid to BSE. While a specific new fund-raising proposal was deferred, the expanded umbrella limit signals aggressive growth intentions for the lending business.

Approved a revised umbrella limit for NCD issuance up to ₹1,000 crore on a private placement basis
Raised a total of ₹157.9 crore through four NCD tranches in Q1 FY27 (April-May 2026)
Acknowledged and paid a fine to BSE for delayed compliance under SEBI Regulation 50(1)(d) and 60(2)
Deferred a specific fund-raising proposal that was originally scheduled for discussion
Reported Q1 FY27 financial results (limited review) for the period ended June 30, 2026

💡 Investors should monitor the quarterly deployment of the newly approved ₹1,000 crore limit and track the cost of borrowing (coupon rates) on future NCD tranches to ensure margins remain sustainable as the loan book scales.

Aug 8 Board Meeting to consider Q1 results and fundraising via Equity and NCDs

🔵 WATCH ⭐ 7/10

BOARD_MEETING 📅 05 Aug 2026, 05:39 PM

Unifinz Capital India Ltd has scheduled a board meeting on August 8, 2026, to approve its Q1 FY27 financial results. The board will also consider a proposal for fundraising through the issuance of equity shares or warrants on a preferential basis. Furthermore, the company plans to discuss enhancing the umbrella limit for issuing Non-Convertible Debentures (NCDs) via private placement. This follows a significant revenue jump in FY26 to Rs 512 Cr from Rs 122 Cr in FY25, though promoter holding has recently dropped to 19.84%.

Board meeting scheduled for August 8, 2026, to approve Q1 FY27 results.
Proposal to raise funds via Equity shares or Share Warrants on a preferential basis to be considered.
Enhancement of umbrella limit for Non-Convertible Debentures (NCDs) on private placement basis under review.
Trading window for designated persons to reopen on August 11, 2026.
Promoter holding decreased from 24.64% in March 2026 to 19.84% in June 2026.

💡 Watch for the specific quantum of the fundraise and the pricing of the preferential issue on August 8. Additionally, evaluate the Q1 results to see if the high growth momentum from FY26 (319% revenue growth) is sustained.

Unifinz Capital grants 90,000 ESOPs at Rs 10 exercise price; 45,000 options lapse

🟡 NEUTRAL ⭐ 3/10

MANAGEMENT 📅 04 Aug 2026, 06:52 PM

Unifinz Capital India Ltd has approved the grant of 90,000 stock options to eligible employees under its 2025 ESOP Plan. The exercise price is set at Rs 10 per share, which is a significant discount to the current market price of Rs 109.0. These options will vest over a three-year period (30%, 30%, and 40% respectively). Concurrently, the company announced that 45,000 options previously granted in March 2026 have lapsed and will be returned to the pool for re-grant.

90,000 new stock options granted to eligible employees under the UCIL ESOP 2025 Plan
Exercise price fixed at Rs 10 per share, compared to a current market price of Rs 109.0
Vesting schedule follows a 30:30:40 ratio over three years from the grant date
45,000 options granted on March 12, 2026, have officially lapsed
Options must be exercised within 3 years from the date of vesting

💡 Investors should monitor the impact on employee benefit expenses in future quarterly results, though the current grant size is relatively small compared to the total equity base.

Unifinz Capital Clarifies Search & Seizure Linked to Third-Party Cyber Crime FIR

🔵 WATCH ⭐ 7/10

REGULATORY 📅 04 Aug 2026, 04:44 PM

Unifinz Capital clarified that a Search & Seizure operation on August 2, 2026, was linked to a Bengaluru Cyber Crime FIR involving multiple lending apps. The company stated it has no relationship with the complainant and did not fund the individual. Management asserts the allegations do not relate to Unifinz's business activities or affairs. This comes as the company reported a TTM PAT of Rs 87 Cr on a TTM revenue of Rs 512 Cr.

Search & Seizure operation occurred on August 2, 2026
Investigation stems from an FIR regarding lending app harassment in Bengaluru City
Company confirms it has not funded the customer involved in the complaint
TTM Revenue of Rs 512 Cr is at stake if regulatory issues persist

💡 Monitor for any further updates from the Bengaluru Cyber Crime Police or SEBI regarding the outcome of the search to confirm the company's non-involvement.

Search and Seizure Operation at Unifinz Capital Corporate Office by Bangalore Cyber Police

🔵 WATCH ⭐ 9/10

LEGAL 📅 02 Aug 2026, 04:30 PM

On August 1, 2026, the Cyber Crime Police Station, Bangalore, conducted a search and seizure operation at Unifinz Capital's corporate office in New Delhi. The company has stated that it is cooperating with authorities and that there is currently no material impact on its business operations. This development occurs against a backdrop of a recent decline in promoter holding from 24.64% in March 2026 to 19.84% in June 2026. Given the nature of the investigation by cyber crime authorities, the specific allegations remain a key unknown for shareholders.

Search and seizure operation conducted on Saturday, August 1, 2026
Action initiated by the Cyber Crime Police Station, Bangalore
Location targeted was the corporate office in New Friends Colony, New Delhi
Company reported TTM Revenue of ₹512 Cr and TTM PAT of ₹87 Cr
Promoter holding recently decreased by 4.8% between March and June 2026

💡 Monitor for subsequent disclosures regarding the specific nature of the cyber crime investigation and any potential restrictions placed on digital lending operations.

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