Unifinz Capital India Ltd.
Unifinz Capital India Ltd. is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 16%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Unifinz Capital India Ltd. is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 16%. It pays a coupon of 11% and matures on 16 Dec 2027, a remaining tenure of about 1.2 yr. It is rated BBB-, a moderate credit-safety grade - the lowest investment-grade band. EquiRize lists this bond with a minimum investment of ₹10K.
Its 16% yield is among the highest we track, placing it 1st of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 5.50 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 9.50 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.2 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB-) rating, that is a higher-yield, higher-risk profile. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Monedo Financial Services (INE0I5X07034) at 16%, Monedo Financial Services (INE0I5X07067) at 15.5% and Orange Retail Finance (INE786X07BN6) at 14.75%.
About Unifinz Capital India
Unifinz Capital India Limited is a digital lending NBFC that was incorporated in 1982 as Shree Worstex Limited and took its present name in December 2022. It commenced retail lending in March 2022 under the brand lendingplate, offering unsecured personal loans of Rs 5,000 to Rs 2.5 lakh for tenors of 20 days to 12 months to salaried individuals across 22 states and more than 350 towns and cities. The lending journey is fully digital, with remote application, disbursement and repayment, and the company employs over 450 people with offices in Delhi, Pune, Kolkata, Hyderabad, Bangalore and Chennai. The business has scaled rapidly: assets under management rose from Rs 93 crore at end FY25 to Rs 376 crore as on 31 December 2025, with net worth of Rs 145 crore and gearing of 1.2 times at that date. Crisil Ratings assigned a Crisil BBB- rating with Stable outlook to Rs 170 crore of its NCDs in March 2026.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 16% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.2 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 16.00% | ₹1,18,702 |
| 5% slab | 15.20% | ₹1,17,757 |
| 20% slab | 12.80% | ₹1,14,928 |
| 30% slab | 11.20% | ₹1,13,047 |
At a 11% coupon, ₹1,00,000 of face value pays about ₹11,000 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,100 a year is withheld as TDS - adjustable against your final liability, not an extra tax.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 1.2 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.50%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the BBB- credit risk is the reason for the gap.
