UNIGOLD FINANCE LIMITED

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Returns

11.97%

Min. Investment

₹ 26,128.83

Remaining Tenure

1Y 8M 10Days

Payment Terms

Monthly

Highlights

Credit Rating

CRISIL BBB/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Issue Size

50 CR

Security Cover

1.15x

Strong operating metrics : Generated a PAT of INR 4.3Cr with an RoA of 5.54% as of Dec’25. One of fastest gold-loan entities to breakeven.

Comfortable Capitalisation : Strong capitalization supported by regular infusions from the promoter group, high CRAR of 47.58% (Reserve Bank minimum requirement of 15%), and a low leverage of 1.36x which is comfortable for the current scale allowing the entity ample headroom to increase book size.

Gold backed : 100% of the company’s portfolio comprises gold loans, reflecting its strong focus on the gold lending segment. Further the high liquid nature of the asset, provides additional support to it’s asset quality.

Company Financials

Revenue

PAT

Net Worth

Important disclaimer

Ratio Analysis

0.07

Net NPA

Good

Benchmark: Lower than 3%

0.09

Gross NPA

Good

Benchmark: Lower than 5%

47.58

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

1.36

Debt to Equity Ratio

Good

Benchmark: Lower than 6 times

Important disclaimer

About Issuer

Unigold Finance Limited (“Unigold”) was incorporated in 2023 is Crisil BBB rated company and a non-deposit taking NBFC focused on providing gold loans to customers in the major business centres of Odisha.

Unigold Finance is led by Chief Executive Officer Mr. N. P. Sarangi and co-founder Mr. Amit Roy with relevant experience in the retail gold backed lending segment.

As of Dec 2025, Unigold had AUM of INR 347Cr. with a network of 27 branches across 9+ districts of Odisha with 30,000+ customers with an average ticket size of INR 85K.

Total Annual Revenue

31.69Cr (FY -2025)

Year of Inception

1995

Industry

NBFC Corporate

Head Office

CHENNAI

Type of Issuer

Corporate

Current MD/CEO

Mr. N. P. Sarangi

Credit Rating / Outlook

BBB STABLE

CRISIL

Rating Rationale

Rating Date: 24-Feb-2026

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with BBB credit rating are considered to have a moderate to low degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry moderate to high credit risk, hence it is suitable for investors with high risk tolerance.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

UNIGOLD FINANCE LIMITED

Security Name

11% UNIGOLD FINANCE LIMITED Secured Rated Listed NCD Maturity 2-Apr-2028

ISIN

Copy

INE0O7U07046

Face Value

₹ 8,750

Issued FV

₹ 10,000

Coupon Rate

11%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

2-Apr-2028

Clean Price

₹ 99.69

Dirty Price

₹ 99.54

Current Yield

11.0343%

Yield to Maturity

11.97%

Mode of Issue

Private Placement

Date of Issue

2-Apr-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

MITCON CREDENTIA TRUSTEESHIP SERVICES LIMITED

Kubera Chambers, 1st Floor,Shivajinagar, Pune,Maharashtra 411005, India

Registrar Details

Integrated Registry Management Services Private Limited

2nd Floor Kences Towers No.1, Ramakrishna Street, North Usman Road Chennai 600017

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: Integrated Registry Management Services Private Limited 2nd Floor Kences Towers No.1, Ramakrishna Street, North Usman Road Chennai 600017

Units

Investment Amount

₹ 26,128.83

Total Returns

₹ 2,770.21

Total Receivable

₹ 28,899.04

Cashflow Timeline

Similar Bonds

FAQs about UNIGOLD FINANCE bonds

How to buy this UNIGOLD FINANCE bond online?

You can invest in bonds online in under 5 minutes. To buy UNIGOLD FINANCE bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this UNIGOLD FINANCE bond?

11.97% is the current yield of this UNIGOLD FINANCE bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this UNIGOLD FINANCE bond is 11.97%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this UNIGOLD FINANCE bond?

To redeem this UNIGOLD FINANCE bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this UNIGOLD FINANCE bond is generally simple and straightforward. Contact our support team for more information.

Is this UNIGOLD FINANCE bond tax-free?

No, this UNIGOLD FINANCE bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this UNIGOLD FINANCE bond before the maturity date?

Yes, it is possible to sell this UNIGOLD FINANCE bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

Note to Investors

GoldenPi Securities Pvt. Ltd. (“GSPL”) is a wholly owned subsidiary of GoldenPi Technologies Pvt. Ltd. (“GTPL”) and is a SEBI registered broker under BSE new debt segment allowing investors to trade in secondary bonds & debentures through exchange.

Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities/securitised debt instruments are subject to credit risks, market risks and default risks including delay and/or default in payment. Read all the offer related documents carefully.
Investors can update their email id and mobile number with their stock broker / depository participant and receive OTP directly from the depository on email id and/or mobile number to create a pledge. Investors can check their securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

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The information shown on the website should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of GSPL or any product/services of its third-party client(s). The user should act and rely on the information/data shown on the website only after understanding all associated risk parameters. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither GSPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website.

We understand that certain investment advisors may be approaching members of the public including our clients, representing that they are our partners, or representing that their investment advice is based on our research. Please note that we have not engaged any third parties to render any investment advisory services on our behalf nor are we providing any stock recommendations/tips/research report/advisory. Persons making investments on the basis of such advice may lose all or a part of their investments along with the fee paid to such unscrupulous persons. Please be cautious about any phone call that you may receive from persons representing to be such investment advisors, or a part of research firm offering advice on securities. Do not make payments through e-mail links, WhatsApp or SMS. Please do not share your personal or financial information with any person without proper verification. Always trade through a registered broker.

We collect, retain, and use your contact information for legitimate business purposes only, to contact you and to provide you information & latest updates regarding our products & services.

Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

Attention Investors - Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. Issued in the interest of Investors

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a. Register on the portal | b. Mandatory details for register and filing complaints - Name, PAN, Address, Mobile Number, E-mail ID | c. Benefits: i. Effective Communication ii. Speedy redressal of the grievances | d. Complaints against the companies shall be subject to the SMARTODR/SCORES guidelines

Risk Disclosure & Regulatory Information

Fixed returns do not mean guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities, and securitised debt instruments carry credit risk, market risk, and default risk, including delay or default in payment. Please read all offer-related documents carefully before you invest.

The online bond platform goldenpi.com is owned by GoldenPi Securities Pvt Ltd (GSPL), an OBPP and debt broker registered with SEBI. GSPL is a wholly owned subsidiary of GoldenPi Technologies Pvt Ltd (GTPL).

SEBI Registration No.: INZ000310732 | BSE Member ID: 6809 | NSE Member ID: 90331

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Key Managerial Personnel:
Abhijit Roy - Designated Director & CEO, Samir Baran Pratihar - Designated Director & CTO
Tel. No.: 080-45685666 | Email: contact-us@goldenpi.com

Cashflow Timeline

Timeline

Total Receivable*

Net Receivable**

2026

₹ 4,646.2

₹ 4,556.58

02 Sep	Interest ₹ 245.24	Interest ₹ 220.72
02 Oct (Part Maturity)	Interest ₹ 237.33 + ₹ 3,750 (12.5% of Principal)	Interest ₹ 213.6 + ₹ 3,750 (12.5% of Principal)
02 Nov	Interest ₹ 210.21	Interest ₹ 189.19
02 Dec	Interest ₹ 203.42	Interest ₹ 183.08

2027

₹ 16,579.93

₹ 16,421.94

2028

₹ 7,672.91

₹ 7,655.62

* The interest amount is paid as per total invested face value (₹ 26250) and annual coupon rate of 11%. When the bond enters the staggered maturity cycle, it will be calculated based on the outstanding face value.

* The partial redemption amount is calculated based on original face value i.e. ₹ 10,000

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.