Unifinz Capital India Limited

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Returns

14%

13.73%

Min. Investment

₹ 29,322.35

Remaining Tenure

1Y 2M 27Days

Payment Terms

Monthly

Highlights

Credit Rating

CRISIL BBB-

Seniority

SENIOR

Security

Secured

Default History

Zero

Issue Size

₹50 Cr

Security Cover

1.1x

Adequate Capitalisation: Net worth of INR 164 Cr and gearing of 1.7x as on March 31, 2026, supported by equity infusion and internal accruals, with gearing expected to remain at 2.5–3.0x over the medium term.

Equity listed: Unifinz Capital is a listed company on the NSE and BSE with a market capitalization of ~INR 508 Cr

Fully Digital Lending Model: Unifinz, under the brand name ‘Lendingplate’, operates an end-to-end automated digital lending platform integrating loan origination, risk assessment, disbursement and collections, enabling efficient delivery of short-tenure unsecured personal loans.

Company Financials

PAT

AUM

Net Worth

Cash & Cash Eq.

Important disclaimer

About Issuer

Unifinz Capital India Limited (“Unifinz”) is a CRISIL BBB- rated entity incorporated in 1982. Formerly known as Shree Worstex Limited, the company transitioned to its current identity in December 2022. It is a systematically important digital lending NBFC operating under the brand name ‘lendingplate’, offering customised personal loans to salaried individuals across India.

The company has a pan-India presence across 22 states, covering over 9,000 PIN codes and 350 towns and cities. It employs over 450 employees, with offices in Delhi, Pune, Kolkata, Hyderabad, Bengaluru and Chennai, and is certified as a “Best Place to Work.”

The company offers two primary products: Equated Monthly Instalment (EMI) loans and Short-Term Personal Loans (STPL), catering to diverse customer borrowing requirements.

For FY2026, Unifinz reported total income of INR 512 Cr and profit after tax (PAT) of INR 87 Cr, compared to INR 122 Cr and INR 20.1 Cr, respectively, in FY2025, reflecting strong growth in both income and profitability.

Total Annual Revenue

511 Cr (FY-26)

Year of Inception

1982

Industry

NBFC Retail

Head Office

NEW DELHI

Type of Issuer

Corporate

Current MD/CEO

Mr. Kaushik Chatterjee

Credit Rating / Outlook

BBB-

CRISIL

Rating Rationale

Rating Date: 23-Jul-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.

Other Important Details & Disclosures

Issuer Name

Unifinz Capital India Limited

Security Name

11% Unifinz Capital India Limited Secured Rated Listed NCD Maturity 8-Jan-2028

ISIN

Copy

INE926R07076

Face Value

₹ 10,000

Issued FV

₹ 10,000

Coupon Rate

11%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

8-Jan-2028

Clean Price

₹ 97.53

Dirty Price

₹ 97.74

Current Yield

11.2786%

Yield to Maturity

14%

Mode of Issue

Private Placement

Date of Issue

8-Oct-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vardhman Trusteeship Private Limited

Unit No. 412, The Capital, C-70 G Block, Bandra Kurla Complex, Bandra East, Audit Bhavan, Mumbai- 400051

Registrar Details

Skyline Financial Services Private Limited

D-153/A, 1st Floor, Okhla Industrial Area, Phase I, New Delhi- 110020

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: Skyline Financial Services Private Limited D-153/A, 1st Floor, Okhla Industrial Area, Phase I, New Delhi- 110020

Units

Investment Amount

₹ 29,322.35

Total Returns

₹ 4,807.16

Total Receivable

₹ 34,129.51

Cashflow Timeline

Similar Bonds

FAQs about Unifinz bonds

How to buy this Unifinz bond online?

You can invest in bonds online in under 5 minutes. To buy Unifinz 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 Unifinz bond?

14% is the current yield of this Unifinz 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 Unifinz bond is 14%, 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 Unifinz bond?

To redeem this Unifinz 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 Unifinz bond is generally simple and straightforward. Contact our support team for more information.

Is this Unifinz bond tax-free?

No, this Unifinz 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 Unifinz bond before the maturity date?

Yes, it is possible to sell this Unifinz 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

Filling complaints on SMARTODR & SCORES - Easy & Quick

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: Kunal Sharma, 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

₹ 551.51

₹ 496.36

	08 Nov	Interest ₹ 280.27	Interest ₹ 252.25
	08 Dec	Interest ₹ 271.23	Interest ₹ 244.11

2027

₹ 3,298.49

₹ 2,968.64

2028

₹ 30,279.51

₹ 30,251.56

* The interest amount is paid as per total invested face value (₹ 30000) and annual coupon rate of 11%.

** 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.