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 Board of Directors has approved a significant fundraising initiative through the issuance of non-convertible debentures worth up to INR 200 crore. The decision was taken during a board meeting held on February 5, 2026, which commenced at 3:00 p.m. and concluded at 3:50 p.m.

Debenture Issuance Details

The approved debentures will be denominated in Indian Rupees and issued on a private placement basis. The company has structured the issuance to provide flexibility in terms of security types and market conditions.

Types of Securities

The board has approved various categories of non-convertible debentures to provide operational flexibility:

• Subordinated debentures
• Listed or unlisted debentures
• Senior secured debentures
• Senior unsecured debentures
• Unsecured debentures
• Commercial papers (listed or unlisted)
• Other categories as may be determined

The securities may or may not be rated, depending on the specific requirements of each tranche.

Authorization and Decision-Making

The Board has delegated authority to the Finance Committee of Unifinz Capital India Limited to handle all matters related to the proposed issuances. This includes the finalization and approval of detailed terms and conditions for each tranche.

Regulatory Compliance

The announcement was made in compliance with Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company has provided detailed annexure information as required by SEBI's master circular dated January 30, 2026.

The specific terms including coupon rates, payment schedules, tenure, and security arrangements will be determined at the time of finalizing terms for each individual tranche, providing the company with flexibility to adapt to market conditions.