Unifinz Capital India Ltd

ALM Committee action

• ALM Committee met on Aug 19, 2026 and approved private placement of 50,000 NCDs aggregating ₹50 crore.
• NCDs are senior, secured, listed, redeemable, taxable, transferable, non-convertible.
• Face value ₹10,000 per debenture; total ₹50 crore.
• Proposed listing on the Wholesale Debt Market segment of BSE.
• Allotment date deemed Aug 19, 2026; final redemption date Nov 19, 2027.
• Coupon rate 11.75% p.a., payable monthly.
• Credit rating BBB-/Stable by CRISIL Ratings Ltd.
• Security: first ranking exclusive charge over book debts/loan receivables.
• Interest default: 4% p.a. above coupon on payment default.
• Maturity: 15 months from deemed allotment; final redemption date Nov 19, 2027.
• Issue price ₹10,000 per debenture.
• Hypothecated assets to secure debentures; value at least 1.10x outstanding amounts.
• Debentures to be redeemed on pari passu basis on final redemption date.
• Transaction Documents to govern debenture rights.

NCD issuance approval

• ALM Committee approved private placement of up to 50,000 senior secured NCDs aggregating INR 50 crore.
• Green shoe option up to 20,000 NCDs (INR 20 crore) included.
• Debentures to be listed on the Wholesale Debt Market of BSE.
• Deemed allotment date: August 19, 2026; Final redemption date: November 19, 2027.
• Tenure: 15 months from deemed allotment.
• Coupon rate fixed at 11.75% per annum, payable monthly.
• Security: first ranking charge over hypothecated assets; DTD governs additional security.
• Default interest: 4% p.a. above coupon on payment default.
• Redemption: pari passu with outstanding amounts on final redemption date.
• Meeting duration: 03:00 PM to 03:30 PM.

ALM Committee outcome

• ALM Committee meeting held on 28 July 2026 approved private placement of 50,000 NCDs.
• Issue: 50,000 NCDs at INR 10,000 each, aggregate INR 50 crore.
• Debentures proposed to be listed on BSE Wholesale Debt Market.
• Date of allotment: 28 July 2026; Final Redemption Date: 28 January 2028; Tenure 18 months.
• Coupon rate: 12% p.a., payable monthly; Interest payable monthly; Principal at final redemption.
• Security: First ranking exclusive charge over hypothecated assets; minimum 1.15x asset coverage.
• Credit rating: IND BBB-/Stable by India Ratings and Research Private Limited.
• Default interest: 4% p.a. on overdue payments.
• Redemption: Pari passu; final redemption on 28 January 2028.
• Meeting duration: 01:00–01:30 PM.

Meeting and fundraising agenda

• ALM Committee to consider and approve fundraising via private placement of NCDs up to Rs 315 crore.
• Amount is within the overall borrowing limit approved by shareholders at the AGM on 2 July 2026.

Dematerialisation/rematerialisation status

• No dematerialisation/rematerialisation processing details are disclosed in this filing excerpt.

AGM Details

• Held on 02 Jul 2026 at 3:00 PM IST via VC/OAVM; record date 25 Jun 2026.

Resolutions Passed

• Resolution 1 (Ordinary): Adoption of audited financial statements and board report — passed unanimously.
• Resolution 2 (Ordinary): Re-appointment of Manish Aggarwal by rotation — passed unanimously.
• Resolution 3 (Ordinary): Appointment of Akash & Co. as Secretarial Auditors; remuneration to be fixed — passed unanimously.
• Resolution 4 (Special): Increase in borrowing limits — passed unanimously.
• Resolution 5 (Special): Creation of charge on company properties — passed unanimously.

AGM details

• Held on July 2, 2026 at 03:00 PM IST via VC/OAVM.

Key resolutions

• Adoption of Audited Financial Statements for FY 2025-26 — Ordinary — passed.
• Re-appointment of director by rotation — Ordinary — passed.
• Appointment of Akash & Co. as Secretarial Auditors; remuneration fixed — Ordinary — passed.
• Increase in Borrowing Limits — Special — passed.
• Creation of charge on company properties under Section 180(1)(a) — Special — passed.

Dividend

• Interim dividend for FY 2025-26 highlighted by the Chairperson.

Finance Committee

• 29 May 2026 meeting approved allotment of 20,000 non-convertible debentures on private placement.
• Debentures total INR 20 crore, face value INR 10,000 each, issue price INR 10,032.06 each.
• Debentures are listed, rated, senior, secured, taxable, transferable, redeemable, and denominated in INR.
• Tenure is 23 months and 21 days; allotment date 29 May 2026; maturity date 20 May 2028.
• Coupon rate is 13% per annum, payable monthly; principal is payable on final redemption date.
• Debentures are secured by first-ranking charge over identified book debts/receivables and other agreed security.
• CRISIL Ratings Limited assigned the debentures a BBB-/Stable rating.
• On payment default, additional interest of 4% per annum over the coupon rate applies.
• The debentures are proposed to be listed on BSE's Wholesale Debt Market segment.