Unifinz Capital India Limited has certified the timely payment of interest on its Non-Convertible Debentures (NCDs) with a due date of October 1, 2026. The company confirmed that payments were made to all concerned holders within prescribed timelines as per the term sheet.

The certification was filed under Regulation 57 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing covers four distinct NCD series with varying issue sizes and interest amounts. All payments were processed on the actual date matching the due date, indicating no delays in servicing these debt obligations.

Interest Payment Details

The company disclosed details for four NCD series, all having a monthly interest payment frequency. The record date for all series was September 16, 2026. The table below summarizes the gross and net interest amounts paid across the four ISINs.

What the Numbers Show

The aggregate gross interest outflow for this specific cycle amounts to approximately ₹3.30 crore across the four disclosed series. The largest series by issue size, at ₹105 crore, accounted for the highest interest payout of ₹1.12 crore. The consistency in payment dates across all four instruments suggests a synchronized treasury management approach for these specific debt tranches. No redemption activities were reported in this filing, indicating that the principal repayment schedules remain unchanged for these periods.

Unifinz Capital India Limited has approved the issuance of up to ₹50 crore in senior secured non-convertible debentures (NCDs) on a private placement basis. The Asset Liability Management Committee (ALMC) sanctioned the deal, which carries a fixed annual coupon of 11% and a tenor of 15 months.

The issue comprises up to 50,000 debentures with a face value of ₹10,000 each. This base amount includes a green shoe option of up to ₹30 crore, allowing the company to raise additional funds if demand exceeds initial expectations. The securities are proposed to be listed on the Wholesale Debt Market segment of BSE Limited.

Issue specifics and security structure

The NCDs are rated, redeemable, taxable, and transferable. The allotment date is set for October 8, 2026, with final redemption scheduled for January 8, 2028. Interest payments will be made monthly, while the principal amount is payable at maturity.

To secure the debt, the company will create a first-ranking exclusive charge over certain identified book debts and loan receivables. The value of these hypothecated assets must remain at least 1.10 times the outstanding principal amount throughout the life of the debentures. In the event of a payment default, an additional interest rate of 4% per annum above the standard coupon will apply.

What the numbers show

The structure reveals a significant reliance on the green shoe option for capital expansion. The base issue size is effectively capped at ₹20 crore, while the optional tranche accounts for 60% of the total potential raise. This suggests that the company's immediate funding requirement is modest, but it is positioning itself to capture substantial additional liquidity if market conditions are favorable. The 11% coupon reflects the risk profile typical for NBFC debt instruments in the current interest rate environment, balancing investor yield requirements against the company's cost of capital.