INE926R07068 | 16.00% | Unifinz Capital India Ltd.

16.00%

YTM

₹9,580.32

Minimum investment

Monthly

Payout

16 Dec 2027

Maturity

11.00%

Coupon Rate

₹10,000

Face Value

Currently subscribed200 Units available

0% Sold

16.00% / +500 bpsYTM vs coupon

yield above stated coupon

95.8032 / 95.8032Clean / dirty price

Excluding / including accrued interest

About the Issuer

Unifinz Capital India Limited is a technology-driven NBFC-ICC registered with the RBI. Through its LendingPlate platform, the company provides unsecured personal loans to retail customers and has built a pan-India presence across 498 cities and towns, supported by a digital lending model.

Debenture trustee: Vardhaman Trusteeship Private Limited
Issuance date: 16 Sep 2026

Key terms

Fixed coupon of 13% per annum payable monthly.
Proposed listing on BSE Wholesale Debt Market.
Transferable and redeemable non-convertible debentures.

Monthly Interest PayoutPrincipal Paid at Maturity

₹9,580.32Principal Invested

₹1,283.04Interest earned

₹11,283.04Final Payout

Interest Payout Schedule

Interest payout schedule for selected units, with payout date, interest amount, and principal amount.
Payout Date	Interest (₹)	Principal (₹)
16 Nov 2026	₹93.42	--
16 Dec 2026	₹90.41	--
16 Jan 2027	₹93.42	--
16 Feb 2027	₹93.42	--
16 Mar 2027	₹84.38	--
16 Apr 2027	₹93.42	--
16 May 2027	₹90.41	--
16 Jun 2027	₹93.42	--

Issuer and structure highlights

Established NBFC

Unifinz Capital India Limited is an RBI-registered NBFC-ICC with a long operating history and a technology-driven lending platform serving borrowers across India.

Secured NCD Structure

The issuance comprises senior secured redeemable non-convertible debentures, providing a defined security package for debenture holders.

Fixed Income Visibility

The NCDs offer a fixed coupon of 13% per annum, providing predictable cash flows for investors during the tenure of the instrument.

Key Risks

Moderate Credit Risk

CRISIL BBB- indicates a moderate degree of safety regarding timely servicing of financial obligations. Adverse business, economic or financial conditions may affect the issuer's credit profile.

Rating Action Risk

The assigned rating and outlook are subject to periodic review by CRISIL and may be revised, suspended or withdrawn based on changes in business performance, financial profile or other factors.

NBFC Sector Exposure

As an NBFC focused on retail lending, business performance may be influenced by asset quality trends, borrower repayment behaviour, liquidity conditions and regulatory developments.

Summarised from the issuer's disclosures and the rating rationale. Read the full offer document and rating rationale before investing.

CRISIL BBB-/Stable13% p.a. fixed couponSenior Secured NCDs

BBB-/ StableCRISIL Rating

Rating rationale summary

The rating reflects CRISIL's opinion that the NCDs have a moderate degree of safety regarding timely servicing of financial obligations and carry moderate credit risk.

Summary points

CRISIL BBB-/Stable rating for the NCD programme.
Securities carry moderate credit risk as per CRISIL.
Senior secured redeemable non-convertible debentures.
Proposed listing on BSE Wholesale Debt Market.

Outlook implications

Stable outlook indicates CRISIL expects the issuer's credit profile to remain broadly stable over the near to medium term.

Implications for investors

CRISIL BBB-/Stable indicates moderate safety regarding timely servicing of financial obligations.
Secured structure provides a defined security package for debenture holders.
Fixed 13% annual coupon offers predictable periodic cash flows.
Proposed BSE WDM listing may facilitate secondary market transactions.

Watch for: Any revision, withdrawal, or change in outlook by CRISIL Ratings.

Rating Drivers

Established retail lending model

Retail loan book expansion

Business scale remains modest

How this issuer compares to peers

Benchmark yield, balance-sheet strength, and risk indicators against similar issuers to make the credit case easier to validate.

Where it stands out

Pan-India digital retail lending platform with technology-led underwriting

Digital Lending NBFC Retail Loan Focus Unsecured Lending Technology Driven NBFCThe company operates a digital lending model under the LendingPlate brand and serves borrowers across 498 cities and towns in India.

Invest

Units

Trade & Settlement

Settlement date

16 Oct 2026

Orders placed after 4 PM will be executed on the next business day. Weekends and exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit

₹9,580.32

Investment amount

₹9,580.32

Total Interest

₹1,283.04

Total Receivable

₹11,283.04

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Unifinz Capital India Ltd.