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12.00% UNIFINZ CAPITAL INDIA LIMITED 28-JAN-2028 (SECURED NCD)

UNIFINZ CAPITAL INDIA LIMITED

INE926R07043

I.M

Term Sheet

Bond Detail

Bond's Rating

Rating Agency	Rating	Remarks	Rating Rationale

Face Value
10000.0000

Coupon Rate
12.00%

Issue Date
28 Jul 2026

Maturity Date
28 Jan 2028

Remainig Period
2 y -8 m 13 d

Tax Free
No

Int. Payment Type
Simple

Int. Frequency
Monthly

TDS on Interest
Yes

Call Option

Put Option

Govt. Guarantee
No

Listing
Yes

Yield to Maturity
15.00%

Mode of Issue
Private

Coupon Type
Fixed Interest_10 THAOUSAND

IP Dates
1st of every month

Multiple Quantum

Available Quantity
160

Security
Secured

Seniority Repay
Senior

Registrar Details
Skyline Financial Services Private Limited

Issue Details

Issue Size
50.00 Crores

Business Sector
NBFCS

Ownership
NONPSU

Debenture Trustee
Vardhman Trusteeship Private Limited

Key Highlights

Listed on BSE.
Established Track Record – With a history dating back to 1982, the company has a long-standing presence in the financial services sector.
Digital Lending Platform – Operates through Lendingplate, enabling a fully digital and paperless loan processing experience.
Salaried Customer Focus – Primarily caters to salaried individuals, addressing their short-term and personal credit requirements.
Extensive Geographic Reach – Covers 9,000+ pincodes across India, supporting access to credit across a wide customer base.
End-to-End Digital Journey – Since March 2022, the company has focused on providing a fast, convenient, and technology-enabled borrowing process from application to disbursal.

Credit Ratings

Low SafetyHigh Safety

About Issuer

UNIFINZ CAPITAL INDIA LIMITED

Founded in 1982, Unifinz Capital India Limited is an RBI-registered digital NBFC offering end-to-end digital lending through the Lendingplate platform. The company primarily serves salaried individuals and has a presence across 9,000+ pincodes in India.

Remarks

As per Section 193 of the Income-tax Act, 1961 (effective 1 April 2023), TDS at the applicable rate (currently 10%, or as notified) shall be deducted on interest payable on company-issued securities, except Government securities. The securities displayed are for informational purposes only and do not constitute investment advice or a recommendation to invest. Prices, yields, and availability are subject to market conditions, applicable cut-off timings, and regulatory guidelines governing Online

Investments in debt securities are subject to risks. Read all the offer related documents carefully.

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12.00% UNIFINZ CAPITAL INDIA LIMITED 28-JAN-2028 (SECURED NCD)

UNIFINZ CAPITAL INDIA LIMITED

Bond's Rating

Issue Details

Key Highlights

Credit Ratings

About Issuer

UNIFINZ CAPITAL INDIA LIMITED

Remarks

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