Unifinz Capital Revenue Surges 117% to ₹180 Crores in Strong Q1FY27 Performance

Quick Summary

Unifinz Capital India Limited achieved a 117% year-on-year revenue surge to ₹180.34 crores in Q1FY27. The Delhi-based digital lending platform reported a Profit After Tax of ₹17.35 crores while raising ₹157.90 crores via NCDs to fuel its unsecured personal loan portfolio expansion across India.

How is Unifinz Capital Driving Digital Lending Growth?

Unifinz Capital solves the credit accessibility gap for Indian consumers by leveraging its digital NBFC brand, lendingplate. By focusing on technology-driven financial inclusion, the company has scaled its operations to cover 23 states and over 13,000 pin codes. The 117% revenue growth recorded in Q1FY27 demonstrates the high demand for its core product offering: unsecured personal loans of up to ₹2,50,000.

• Disbursement Speed: Loans are processed and disbursed within 30 minutes.
• Market Reach: Active operations in 23 Indian states.
• Flexible Terms: Repayment periods extending up to 15 months.

What Financial Metrics Define the Q1FY27 Performance?

The company maintains a robust capital position to support its aggressive expansion strategy. With a net worth of ₹189.22 crores and a Capital to Risk-Weighted Assets Ratio (CRAR) of 22.20%, Unifinz Capital is well-positioned for disciplined portfolio growth. The recent successful raise of ₹157.90 crores through secured, rated, and listed non-convertible debentures (NCDs) provides the necessary liquidity to augment its long-term lending capabilities.

• Total Income: ₹180.34 crores (up from ₹83.07 crores).
• Profit Before Tax: ₹23.22 crores.
• Earnings Per Share: Basic EPS of ₹3.92.

How Does the Company Ensure Sustainable Lending?

Despite a 7.72 crore provision for employee stock options and strategic pricing reductions in its loan portfolio, the company remains profitable. Founder and CEO Kaushik Chatterjee emphasizes a shift toward responsible lending practices and strengthening capabilities to meet evolving credit needs. This balanced approach ensures that the digital lending platform remains sustainable while scaling its financing operations to reach underserved segments of the population.

“Q1FY27 marks a strong start to the financial year for Unifinz Capital. The significant growth in revenue reflects the continued scale-up of our financing operations and our focus on building a sustainable lending business. As we move forward, we remain focused on responsible lending, disciplined portfolio growth and strengthening our capabilities to serve the evolving credit needs of our customers,” said Kaushik Chatterjee, Founder and CEO of Unifinz Capital.

FF NEWS TAKE:

Unifinz Capital is clearly moving the needle in the Indian digital lending platform space. A 117% YoY revenue jump is exceptional, especially when paired with a healthy 22.20% CRAR. By successfully tapping the NCD market for ₹157.90 crores, they have secured the fuel needed to challenge larger incumbents. Their ability to maintain profitability despite ESOP costs suggests a mature operational model ready for significant national scale.