Allotment of 1,00,000 Secured NCDs Raising INR 100 Crore at 10% Coupon

Capital India Finance has allotted 1,00,000 listed, rated, senior, secured NCDs of face value INR 10,000 each, raising INR 100,00,00,000 (INR One Hundred Crore) on private placement.

Tue 29 Sep 2026

Total Funds Raised

INR 100,00,00,000 (INR One Hundred Crore)

Number of NCDs Allotted

1,00,000 (One Lakh)

Face Value per NCD

INR 10,000

Coupon Rate

10% per annum fixed, paid quarterly

Tenure and Maturity

27 months; allotted September 29, 2026, maturing December 29, 2028

What happened

The Securities Issuance Committee, acting under authority delegated by the Board, approved the allotment of Listed, Rated, Senior, Secured, Transferable and Redeemable Non-Convertible Debentures (NCDs) on a private placement basis.

Issue details

• Number of NCDs: 1,00,000 (One Lakh)
• Face value: INR 10,000 each
• Total consideration: INR 100,00,00,000 (One Hundred Crore)
• Structure: base issue of INR 50 Crore with a green shoe option of up to INR 50 Crore

Terms

• Tenure: 27 months
• Date of allotment: September 29, 2026; date of maturity: December 29, 2028
• Coupon: 10% per annum (fixed), paid quarterly
• Principal repayment: on the redemption date
• Listing: the NCDs will be listed on BSE Limited

Security

The NCDs are secured by a pari passu charge by way of hypothecation in favour of the Debenture Trustee over all standard loan receivables, present and future. The company will maintain a minimum security cover of at least 1.10x at all times during the tenure.

How to read this

For a non-banking lender, raising debt is part of normal business — the money borrowed is typically deployed into lending. The full INR 100 Crore including the green shoe portion was raised, indicating the issue attracted subscription beyond the base size. The fixed 10% coupon is a cost the company will carry quarterly for the next 27 months, which investors can weigh against the yields the company earns on its loan book.

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