Unifinz Capital India Ltd — Important, 11-12-2025: Company Update

Unifinz Capital India has received 'IND BBB-/Stable' credit ratings from India Ratings and Research for its Non-Convertible Debentures of INR 35 Cr and Bank Loan Facilities of INR 200 Cr. The rating reflects UCIL's adequate profitability, robust disbursement growth driven by its technology-driven platform, and comfortable capitalisation, with net worth reaching INR 118.37 Cr by 1HFY26. However, it also considers the company's relatively small scale, higher funding costs, elevated asset quality challenges (soft bucket delinquency at 21.1%), and a concentrated funding base. These ratings provide an assessment of the company's ability to meet its financial obligations.