Unifinz Capital India Limited has scheduled a meeting of its Asset Liability & Management Committee for September 8, 2026. The committee will consider approving the proposal to raise funds through the issuance of Non-convertible Debentures (NCDs).

The company plans to issue these instruments on a private placement basis for an amount not exceeding ₹1,000 crore. This proposal was previously approved by the Board of Directors during its meeting held on August 8, 2026.

Regulatory Compliance

The disclosure is made in compliance with Regulation 29 and Regulation 50 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI LODR Regulations). The intimation was filed with BSE Limited on September 3, 2026.

Borrowing Limits

The proposed issue falls within the overall borrowing limit approved by shareholders at the Annual General Meeting held on July 2, 2026. The meeting will be conducted at the company’s corporate office in New Delhi.

Unifinz Capital India Limited has completed the allotment of 50,000 senior, secured, rated, listed, redeemable, taxable, transferable, non-convertible debentures (NCDs) aggregating ₹50 crore. The Asset Liability Management Committee approved the allotment during its meeting held on August 19, 2026. This confirms the issuance of the full base amount, with no exercise of the previously announced ₹20 crore green shoe option.

The allotment follows the initial approval for the issuance of up to ₹50 crore worth of NCDs on a private placement basis, which included a green shoe option of up to ₹20 crore, during a committee meeting held on August 12, 2026. The deemed date of allotment is set for August 19, 2026, with the final redemption date scheduled for November 19, 2027, resulting in a tenure of 15 months from the allotment date.

Key Terms of the Allotted Issue

Interest on the debentures is payable monthly at the fixed rate of 11.75% per annum. The principal amount will be repaid on the final redemption date. In the event of a payment default lasting more than three months, additional interest at 4% per annum above the base interest rate will be payable on the outstanding principal until the default is cured or the debentures are fully redeemed.

The issue is secured by a first-ranking exclusive and continuing charge created in favor of the debenture trustee over certain identified book debts and loan receivables of Unifinz Capital India Limited. The value of these hypothecated assets must remain at least 1.10 times the aggregate outstanding amount of the debentures from the date of allotment until full redemption. The debentures have been rated "BBB-/Stable" by CRISIL Ratings Limited.

What the Numbers Show

The completion of the base issue of ₹50 crore without exercising the green shoe option suggests that investor appetite for this specific tranche was met at the proposed terms, or that the company's immediate funding requirements were satisfied by the base amount. The short tenor of 15 months and the secured nature of the instrument indicate a focus on bridging near-term liquidity needs rather than long-term structural expansion. The maintenance of collateral coverage at 1.10 times the outstanding debt provides investors with a defined safety buffer against credit risk associated with the underlying loan receivables.

The company filed the intimation under Regulations 30 and 51 read with Schedule III of the SEBI Listing Regulations with BSE Limited. The details were disclosed in compliance with SEBI master circulars dated January 30, 2026, and July 11, 2025, regarding listing obligations for non-convertible securities. Ritu Tomar, Company Secretary and Compliance Officer, signed the disclosure document.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE926R01012/1b0758ee-4d8e-4748-9a0c-c8b68d909572.pdf