How much did the loan book grow during the year?

The loan portfolio expanded fivefold, rising from ₹92.81 crore to ₹509.40 crore by the end of March 2026.

What is the current status of the company's asset quality?

Asset quality improved to zero gross non-performing assets, down from 1.35% in the previous year.

How does the profit compare to the company's market valuation?

With a market capitalization of ₹431 crore, the annual profit of ₹87.14 crore represents roughly 20% of the company's total valuation.

Is the company well-capitalized to support this growth?

Yes, the company maintained a capital adequacy ratio of 26.92% despite the rapid expansion of its loan book.

Earnings · Finance - NBFC · Micro cap

Unifinz Capital posts ₹87 cr profit as loan book hits ₹509 cr

The lender's annual profit surged over 330% to reach nearly 20% of its total market valuation.

— 1 earlier story on Unifinz Capital India Ltd. →

UCIL 27 May 2026 · 7:29 PM IST Verify on BSE · NSE

Mkt cap₹434 cr

P/E5.76×

ROE25.86%

Debt / eq.0.42

Div yld0.10%

₹87.14 cr FY26 net profit, up from ₹20.06 cr in the prior year.

What's new

Net profit rose to ₹87.14 cr for FY26.
Total income climbed to ₹511.73 cr, a fourfold increase.
Loan portfolio expanded fivefold to ₹509.40 cr with zero GNPA.

Why this matters

For a lender with a market cap of ₹431 cr, generating ₹87 cr in annual profit is a massive yield. The combination of rapid book expansion and a clean asset quality report suggests an aggressive, yet currently controlled, growth phase.

What we're watching

Whether the company can maintain zero GNPA as the portfolio scales.
Sustainability of the current net interest margins.
Capital adequacy levels as the loan book continues to grow.

The full read

Unifinz Capital India recorded a breakout fiscal year. Net profit jumped to ₹87.14 crore from ₹20.06 crore a year earlier.

The lender’s total income surged to ₹511.73 crore, fueled by a fivefold expansion of its loan portfolio to ₹509.40 crore. Perhaps most striking for a lender growing at this pace is the asset quality: the company reported 0% gross non-performing assets, down from 1.35% in the previous year. With a market capitalization of ₹431 crore, the company is now generating annual profit equivalent to roughly 20% of its total valuation. Maintaining a capital adequacy ratio of 26.92% while scaling the book this aggressively is a high-wire act. It is a massive yield.

Questions answered

How much did the loan book grow during the year?: The loan portfolio expanded fivefold, rising from ₹92.81 crore to ₹509.40 crore by the end of March 2026.
What is the current status of the company's asset quality?: Asset quality improved to zero gross non-performing assets, down from 1.35% in the previous year.
How does the profit compare to the company's market valuation?: With a market capitalization of ₹431 crore, the annual profit of ₹87.14 crore represents roughly 20% of the company's total valuation.
Is the company well-capitalized to support this growth?: Yes, the company maintained a capital adequacy ratio of 26.92% despite the rapid expansion of its loan book.

Mentioned: Unifinz Capital India · FY26 Results

Primary source BSE · NSE

An independent reading of the company's own disclosure — the primary filing above is the final word.

Story so far

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27 May 2026 · 7:29 PM IST Unifinz Capital posts ₹87 cr profit as loan book hits ₹509 cr
today Unifinz Capital profit jumps to ₹87.14 crore on surging loan income