Company Overview

Unifinz Capital India Limited (Scrip Code: 541358), an NBFC operating in the Base Layer category, reported exceptional financial performance for FY 2025-26 alongside significant corporate developments and regulatory compliance updates.

Financial Performance Highlights

Revenue & Profitability:

  • Revenue from Operations surged 321% to ₹51,156.96 lakhs (₹511.57 crores) from ₹12,135.32 lakhs in previous year
  • Profit After Tax increased 335% to ₹8,714.24 lakhs (₹87.14 crores) from ₹2,005.58 lakhs
  • EPS Basic improved to ₹19.69 from ₹5.07 in previous year

Asset Quality & Provisions:

  • Achieved zero Gross NPAs (₹0.00 lakh) and zero Net NPAs (₹0.00 lakh) as of March 31, 2026, a complete reversal from ₹136.31 lakh and ₹58.72 lakh respectively in previous year
  • Significant provisioning shift: ₹5,589.70 lakh provision for standard assets replaced previous year's ₹441.61 lakh provision for NPAs
  • Gross loan assets stood at ₹47,786.56 lakhs with ECL allowance of ₹6,099.00 lakhs (12.76% coverage)

Corporate Actions & Capital Structure

Capital Changes:

  • Authorized Share Capital increased from ₹25 crores to ₹90 crores
  • Paid-up Share Capital: ₹44.27 crores divided into 4.42 crore equity shares
  • Board approved 4:1 bonus share issue (3,54,14,468 bonus equity shares issued on December 22, 2025)
  • Granted 40,50,000 employee stock options under UCIL ESOP 2025 plan
  • Interim dividend of ₹0.50 per equity share paid for FY 2025-26

Borrowings & Funding:

  • Raised ₹105 crores through privately placed listed NCDs
  • Seeking shareholder approval to increase borrowing limits to ₹2000 crores
  • Funding concentration: 4 significant counterparties representing 58.87% of total liabilities
  • Debt Securities constituted 28.24% of Total Liabilities

Operational & Business Metrics

Managed Portfolio:

  • ₹3,236.40 lakh under BC arrangements with corresponding ₹11.05 lakh provision
  • ₹161.82 lakh performance security obligation

Customer Complaints:

  • Complaints received surged to 1,985 during FY26 from 130 in FY25
  • Primary complaint drivers: Recovery Services (769 complaints), NOC/Foreclosure (364 complaints), CIC updation (133 complaints)
  • All complaints disposed during the year with zero pending

Employee Strength: Increased from 356 to 517 employees as of March 31, 2026

Governance & Compliance

AGM Details:

  • 43rd Annual General Meeting scheduled for July 2, 2026 through VC/OAVM
  • Key resolutions include borrowing limit increase to ₹2000 crores and appointment of secretarial auditor

Regulatory Compliance:

  • Maintained full compliance with RBI regulations as NBFC
  • Paid penalty of ₹2,47,800 to BSE for non-filling of woman director vacancy (subsequently waived)
  • Credit Ratings: India Ratings IND BBB-/Stable, CRISIL BBB-/Stable

Board & Management:

  • 6 Directors (4 Independent, 2 Non-Executive)
  • 12 board meetings held during FY 2025-26
  • Key Managerial Personnel: Kaushik Chatterjee (CEO), Vijay Kumar Singh (CFO), Ritu Tomar (Company Secretary)

Important Dates

  • AGM Date: July 2, 2026
  • Record Date for Bonus: December 19, 2025
  • Bonus Issue Date: December 22, 2025
  • Financial Year End: March 31, 2026