Capital India Finance Ltd

Dematerialisation status

• Demat requests processed within 15 days of receipt from DP during Jul 1, 2026 to Sep 30, 2026.
• Securities dematerialised were listed on the exchanges where the earlier securities are listed.
• Physical certificates were mutilated and cancelled after due verification; the depository's name substituted as registered owner.
• Certification to depositories and stock exchanges was maintained as per Regulations.

Outstanding debt securities (as at Sep 30, 2026)

• ISIN INE345H07054; Issued 28-Jul-2025; Maturity 28-Jul-2028; Coupon 9.55%; Issued 50 Cr; Outstanding 50 Cr; Plain Vanilla NCD.
• ISIN INE345H07062; Issued 29-Sep-2026; Maturity 29-Dec-2028; Coupon 10%; Interest and quarterly principal; Issued 100 Cr; Outstanding 100 Cr.

ISIN details for listed debt securities

• ISIN INE345H07054: issued 28-Jul-2025; maturity 28-Jul-2028; coupon 9.55%; annual interest.
• ISIN INE345H07054: issued/outstanding 50.00 Cr.
• ISIN INE345H07062: issued 29-Sep-2026; maturity 29-Dec-2028; coupon 10.00%; quarterly interest.
• ISIN INE345H07062: issued/outstanding 100.00 Cr; embedded option: N.A.

Financing activity and key metrics

• Capital India Finance raises ₹100 crore via private placement of listed senior secured NCDs.
• Base issue ₹50 crore; green shoe option ₹50 crore; tenure 27 months; 10% coupon.
• NCDs will be listed on BSE Limited.
• Funds to support planned growth of CIFL's secured MSME and retail lending.
• Distribution network expanded to 46 branches across nine states.
• FY2026 assets under management rose 22% YoY to ₹1,227.37 crore.
• FY2026 disbursements rose 62% YoY to ₹753.54 crore.
• Q1 FY2027 standalone total income ₹69.53 crore; up 32% YoY.
• Capital adequacy ratio stood at 43.58% as of 30 June 2026.

Debt issuance

• The Securities Issuance Committee approved allotment of listed, rated, senior secured NCDs through private placement.
• Issue size: 100,000 NCDs of face value INR 10,000 each, totaling INR 100 crore.
• Base issue of INR 50 crore with green shoe option up to INR 50 crore.
• Tenure: 27 months; Allotment on Sept 29, 2026; Maturity on Dec 29, 2028.
• Coupon at 10% per annum, payable quarterly.
• Security: pari passu charge over standard loan receivables; minimum security cover 1.10x.
• NCDs to be listed on BSE Limited.

Capital India Finance Limited trading window closed from Oct 01, 2026 until the expiry of 48 hours after the unaudited Financial Results for the quarter and half year ended Sep 30, 2026 become generally available

Rating details

• Facility rated: Proposed Non-Convertible Debentures of INR 100 crore.
• Rating agency: Acuité Ratings and Research Limited.
• Rating assigned: ACUITE A-, long-term, with Stable outlook.
• Action: New rating.
• Date of rating: September 17, 2026; verification: Verified.

NCD private placement details

• Type: Non-Convertible Debentures (NCDs) via private placement.
• Total issue size up to INR 100 crore (base 50 crore, green shoe up to 50 crore).
• Listing: NCDs to be listed on BSE Limited.
• Tenure: 27 months; allotment and maturity dates to be determined by Board/Committee.
• Coupon: 10% per annum fixed, payable quarterly.
• Security: pari passu charge over standard loan receivables with minimum 1.10x security cover.
• Instruments: senior, secured, transferable and redeemable NCDs.
• Investors: private placement; no investor names disclosed.

Resignation of CCO & Company Secretary

• Type/Person: Resignation of Sulabh Kaushal as Chief Compliance Officer and Company Secretary (KMP); effective Sept 07, 2026.
• Reason: resignation to pursue his own professional venture.
• Impact: No board/committee changes stated.
• Disclosure: Relationships with other directors or management: Not Applicable.

AGM Details

• Date and time: September 7, 2026, 11:30 AM to 12:03 PM IST.
• Mode: VC/OAVM; Deemed venue: Aggarwal Corporate Tower, New Delhi.
• Cut-off date for member entitlements: September 1, 2026.

Resolutions & outcomes

• Ordinary: Adopt standalone and consolidated financial statements for the year ended March 31, 2026; passed.
• Ordinary: Re-appoint Mr. Keshav Porwal as Director; passed.
• Special: Revise remuneration of MD from April 1, 2026; passed.
• Special: Raise funds by issuing debt securities; passed.
• Ordinary: Approve material related party transactions with Rapipay Fintech Private Limited; passed.

RPT & funding details

• Rapipay Fintech Private Limited identified as material subsidiary; related party transactions approved.
• Debt securities fundraising approved via issuance of debt securities.