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.

Unifinz Capital has received a regulatory penalty from BSE Limited for non-compliance with board composition requirements under securities regulations. The company disclosed this development through a regulatory filing on December 16, 2025, following receipt of the exchange communication.

Fine Details and Regulatory Action

BSE Limited imposed the penalty through its communication dated December 15, 2025, which Unifinz Capital received on the same day at approximately 19:07 hours. The fine relates to violations under Regulation 17(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Nature of Non-Compliance

The penalty stems from the company's non-compliance with board composition requirements, specifically the failure to appoint a woman director as mandated under the regulations. This violation falls under Regulation 17(1) of the SEBI Listing Regulations, which governs the composition and structure of company boards for listed entities.

Company Response and Impact Assessment

Unifinz Capital has indicated that it is preparing a waiver application to BSE Limited, requesting relief from the imposed fine. The company is in the process of submitting this waiver request to the exchange authorities.

Regarding the financial impact, the company has assessed that the penalty will not affect its operations or financial performance:

Regulatory Disclosure Framework

The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and follows the guidelines outlined in SEBI Circular No. SEBI/HO/CFD/CFD-PoD1/P/CIR/2023/123 dated July 13, 2023. This regulatory framework mandates timely disclosure of material events and regulatory actions to ensure transparency for investors and market participants.

The company's registered office is located at Rajlok Building (Floor-5), 24, Nehru Place, New Delhi-110019, while its corporate office operates from MCT House (Floor-1), New Friends Colony, Near Sukhdev Vihar Metro Station, New Delhi-110025.