Supra Pacific Financial Services Ltd's Board of Directors has approved a significant fundraising initiative through the issuance of Non-convertible Debentures (NCDs) worth ₹30.00 crores. The board meeting held on January 09, 2026, from 10:30 a.m. to 12:00 p.m., approved the private placement of secured, unrated, unlisted NCDs under the category with maximum subscription of less than ₹1 crore.

NCD Issuance Details

The company plans to issue 3,00,000 Non-convertible Debentures aggregating to ₹30,00,00,000. The NCDs will not be listed on any stock exchange and will be offered through private placement. The allotment date is scheduled for January 23, 2026, with the securities being secured against the company's current assets.

Tenure and Interest Rate Structure

The NCDs offer investors multiple tenure options with varying interest rates to suit different investment preferences. The company has structured the offering with tenures of 2 years, 5 years, and 6 years, each with different interest payment schedules.

Payment Schedule and Security Features

The principal repayment is scheduled at maturity for all tenure options. For the 2-year monthly option, both interest and principal will be paid on January 23, 2028. The 2-year yearly option will have its final payment on January 23, 2028, while both 5-year options will mature on January 23, 2031. The 6-year doubling scheme will conclude on January 23, 2032.

The NCDs are secured by a charge created over the current assets of the company, providing additional security to investors. The company has confirmed no special rights, privileges, or defaults associated with these instruments.

Regulatory Compliance

The NCD issuance complies with Regulation 30 of the SEBI Listing Regulations and Schedule III thereof, along with SEBI Circular no. SEBI/HO/CFD/PoD2/CIR/P/0155 dated November 11, 2024. The company has provided comprehensive disclosures as required under these regulations, ensuring transparency for potential investors.

The board also reviewed the company's business operations and prospects during the meeting, indicating a strategic approach to capital raising aligned with operational requirements.

Supra Pacific Financial Services has released its business updates for the quarter and nine months ended December 31, 2025, providing detailed insights into its loan portfolio composition and operational metrics. The company disclosed these updates in compliance with SEBI listing regulations and insider trading norms.

Loan Portfolio Breakdown

The company's total loan portfolio stood at ₹341.59 crores as of December 31, 2025, distributed across multiple lending segments:

Gold loans constitute the largest segment of the portfolio, representing approximately 63% of the total outstanding loans, followed by micro finance loans and vehicle loans.

Disbursement Performance

Supra Pacific Financial Services demonstrated active lending operations during the reporting period. The company achieved disbursements of ₹337.72 crores during the quarter ended December 31, 2025. For the nine-month period ending on the same date, total disbursements reached ₹788.84 crores, indicating sustained business activity throughout the period.

Operational Network and Asset Quality

The company operates through an extensive network of 84 branches spread across four different states, enabling it to serve diverse geographical markets. As of December 31, 2025, the company reported gross non-performing assets (NPAs) of ₹6.83 crores, representing the quality of its loan book.

Borrowing Structure

The company's funding structure comprises various sources of borrowings totaling ₹330.71 crores:

Subordinated debts and inter-corporate deposits form the largest component of the borrowing mix, followed by non-convertible debentures and other secured borrowings.

Regulatory Compliance

The disclosed financial data remains provisional and is subject to limited review by the company's statutory auditors. These business updates were shared in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and the Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information under Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015.