Unifinz Capital India Limited's Finance Committee has approved the issuance of specific non-convertible debentures worth ₹75 crore under the previously announced framework of up to ₹200 crore. The Finance Committee meeting held on February 10, 2026, from 3:00 PM to 4:10 PM, finalized the detailed terms for the first tranche of the approved debenture program.

NCD Issuance Specifications

The Finance Committee approved the issuance of 75,000 listed, rated, senior, secured, taxable, transferable, redeemable non-convertible debentures with comprehensive terms and conditions.

Timeline and Security Details

The debentures are scheduled for allotment on February 20, 2026, with maturity on May 20, 2027. The securities will be listed on the Wholesale Debt Market segment of BSE Limited and issued on a private placement basis.

Security and Default Provisions

The debentures will be secured by a first ranking exclusive and continuing charge over identified book debts and receivables of the company. The hypothecated assets will maintain a minimum coverage of 1.30 times the outstanding debenture amounts throughout the tenure.

In case of payment default exceeding three months, additional interest of 4% per annum over the base interest rate will be applicable on outstanding principal amounts until the default is cured or debentures are redeemed.

Regulatory Compliance Framework

The announcement was made under Regulations 30 and 51 read with Schedule III of SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. The company provided detailed annexure information as required by SEBI's master circular dated January 30, 2026, ensuring full regulatory compliance.

This specific issuance represents the first tranche under the board's February 5, 2026 approval for non-convertible debentures worth up to ₹200 crore, demonstrating the company's systematic approach to fundraising through debt instruments.

Source:

Unifinz capital India Limited has announced credit rating actions by India Ratings and Research Pvt. Ltd., including both affirmation of existing ratings and assignment of new ratings for its debt instruments. The company disclosed this information to BSE Limited on February 05, 2026, pursuant to Regulation 30 of SEBI listing regulations.

Credit Rating Actions Summary

India Ratings took comprehensive rating actions on February 04, 2026, covering the company's debt portfolio. The rating agency affirmed its existing ratings while also assigning ratings to new instruments, maintaining a stable outlook across all facilities.

Rating Details and Methodology

The rating actions encompass a total debt portfolio of INR 3,050 million across different instrument types. The newly assigned rating covers unutilized non-convertible debentures worth INR 700 million, while the affirmed ratings apply to existing INR 350 million debentures and INR 2,000 million bank loan facilities.

India Ratings maintained its established methodology for these rating actions, relying on factual information from the issuer and conducting reasonable investigation procedures. The rating agency emphasized that ratings are forward-looking and based on established criteria that are continuously evaluated and updated.

Regulatory Compliance and Disclosure

The company fulfilled its disclosure obligations under SEBI regulations by promptly informing the stock exchange about the rating actions. The information was communicated through a formal letter signed by Company Secretary and Compliance Officer Ritu Tomar on February 05, 2026.

The rating information has been made available on the company's website at www.unifinz.in , ensuring transparency for all stakeholders. The rating actions provide important information for investors regarding the company's creditworthiness and debt servicing capabilities.

Facility Breakdown

The bank loan facilities component represents the largest portion of the rated debt portfolio, accounting for INR 2,000 million of the total INR 3,050 million in rated instruments. All facilities maintain the same IND BBB-/Stable rating, indicating consistent credit quality assessment across different debt instruments.