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 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.