UNIGOLD FINANCE LIMITED

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Returns (YTM)

Upto 11.95%

Min. Investment

₹ 26,061.04

Tenure

9M - 22M

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 4.3 Crs 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%

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 347 Crs. with a network of 27 branches across 9+ districts of Odisha with 30,000+ customers with an average ticket size of INR 85,000.

Total Annual Revenue

Rs 31.69 Cr (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

₹ 99.73

Dirty Price

₹ 99.44

Current Yield

11.03%

Yield to Maturity

11.9522%

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

Select Tenure

Invest in this tenure with Early Sell option.

Investment Amount

₹ 26,101.73

Total Returns

₹ 1,833.31

Total Receivable

₹ 27,935.03

Cashflow Timeline

Similar Bonds

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.
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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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GoldenPi Securities Pvt Ltd (“GSPL”) | 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 for Early Sell Option

Timeline

Total Receivable*

Net Receivable**

2026

₹ 4,891.44

₹ 4,777.29

02 Aug	Interest ₹ 245.24	Interest ₹ 220.72
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

₹ 23,043.6

₹ 22,989.24

* 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.

Highlights

Company Financials

Ratio Analysis

About Issuer