₹100 Crore raised via secured NCDs on private placement basis

Raised ₹100 crore through listed, rated, senior, secured, redeemable NCDs on private placement.

Tue 29 Sep 2026

NCD Raise Amount

₹100 crore

Base Issue and Green Shoe

₹50 crore + ₹50 crore

Coupon Rate

10% per annum paid quarterly

FY26 AUM Growth

Up 22% to ₹1,227.37 crore

FY26 Disbursements Growth

Up 62% to ₹753.54 crore

What was announced

Capital India Finance Limited, a non-deposit-taking NBFC, has raised ₹100 crore through a private placement of listed, rated, senior, secured, transferable and redeemable non-convertible debentures (NCDs).

Issue terms

• Base issue ₹50 crore, green shoe option ₹50 crore
• Tenure 27 months
• Fixed coupon 10% per annum, payable quarterly
• NCDs to be listed on BSE Limited

Stated purpose

The company says the funds strengthen its funding base and support planned growth in lending, while diversifying borrowing sources as it scales secured MSME and retail lending.

Business figures shared

• Branch network at 46 branches across nine states, versus 29 branches at end-FY 2025
• FY 2026 assets under management up 22% year-on-year to ₹1,227.37 crore
• FY 2026 disbursements up 62% to ₹753.54 crore
• FY26 total income ₹ 229.67 crores
• Q1 FY 2027 standalone total income up 32% year-on-year to ₹69.53 crore; disbursements up 36%; AUM up 20%
• Capital adequacy ratio 43.58% as of June 30, 2026

How to read it

For an NBFC, access to borrowing is central to lending growth. This is debt, not equity, so there is no dilution for shareholders, but it does add interest cost at 10% per annum for the tenure. The release also contains a forward-looking safe harbour caveat, meaning the growth ambitions stated are expectations rather than certainties.

Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.