Unifinz Capital India Limited has announced its unaudited financial results for the third quarter ended December 31, 2025, demonstrating strong operational performance and significant growth across key financial parameters. The Board of Directors approved these results during a meeting held on February 6, 2026.

Financial Performance Overview

The company delivered impressive financial results for Q3 FY26, with substantial improvements in revenue generation and profitability metrics.

Revenue and Income Analysis

The company's revenue growth was primarily driven by interest income, which reached ₹14,750.67 lakhs in Q3 FY26 compared to ₹3,723.03 lakhs in Q3 FY24. This represents the core business performance of the financial services company. Other income contributed ₹5.05 lakhs during the quarter, bringing total income to ₹14,755.34 lakhs.

Nine-Month Performance

For the nine-month period ended December 31, 2025, Unifinz Capital demonstrated consistent growth momentum with strong year-over-year improvements.

Expense Management

Total expenses for Q3 FY26 stood at ₹10,936.02 lakhs, with impairment of financial assets being the largest component at ₹5,555.91 lakhs. Other significant expense categories included:

• Finance costs: ₹1,101.71 lakhs
• Other expenses: ₹3,310.82 lakhs
• Employee benefit expenses: ₹714.33 lakhs
• Fees and commission expenses: ₹231.49 lakhs

Corporate Actions and Capital Structure

The company completed a significant bonus share issuance during the quarter. The Board of Directors recommended a bonus share ratio of 4:1 on November 14, 2025, which was subsequently approved by shareholders on December 10, 2025. The company allotted 35,414,468 equity shares of ₹10 each on December 22, 2025, to shareholders holding shares as of the record date of December 19, 2025.

The paid-up equity share capital increased to ₹4,426.81 lakhs as of December 31, 2025, from ₹885.36 lakhs in the previous quarter, reflecting the bonus share issuance.

Regulatory Compliance and Outlook

The financial results were prepared in accordance with Indian Accounting Standards (Ind AS) and reviewed by R. Gopal & Associates, Chartered Accountants. The company operates primarily in the financing business and continues to focus on its core lending operations. The results will be published in English and vernacular newspapers and are available on the company's website at www.unifinz.in .

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.

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