What we do Unifinz Capital India Ltd is a Non-Banking Financial Company specializing in retail lending, offering financial services including loans and asset financing through digital platforms. |
Founded in 1,982 |
Market share Growing NBFC with robust revenue growth and digital lending foothold, positioning itself strongly in Indian retail lending. |
Problem solved Provides accessible short-term loans and financial solutions to salaried individuals, addressing credit needs in underserved markets. |
Top clients or who we serve Primarily serves salaried individuals via business-to-consumer (B2C) model using digital lending platforms. |
Key management Mr. Pawan Kumar Mittal (Director), Mr. Rishi Kapoor (Independent Director), Ms. Ritu Sharma (CFO), Mr. Kaushik Chatterjee (CEO). |
Our journey and innovations Founded in 1982, transformed into NBFC in 2000, and launched digital lending platform 'lendingplate' in 2022 to expand retail lending. |
Where we operate Operates across India with increasing footprint through digital channels. |
Top products or what we offer Retail loans, asset financing, hire purchase, leasing, and digital short-term loans via 'lendingplate'. |
Top brands Lendingplate digital platform – key growth driver with rapid adoption. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is primarily recurring from interest and lending services. |
Our industry position Non-systemically important NBFC gaining market share through digital focus and strong financial growth. |
Financial highlights FY 2024-25 Revenue: ₹121.35 crore; Profit after tax: ₹20.06 crore, marking significant turnaround from prior loss. |
Geographical revenue split Entirely India-centric operations. |
Order book - |
Whats driving growth Revenue surged due to digital lending platform expansion, increased operational scale, and strong demand in retail lending. |
Our future plans Plans include scaling digital lending initiatives, capital expansion, and enhancing loan portfolio. |
Our green promise - |
Our people and values Employee base grew from 145 to 356; culture focuses on inclusion, meritocracy, and employee well-being. |
Key challenges ahead Competition in NBFC sector, regulatory compliance, and maintaining asset quality amidst growth. |
Interesting facts Originally incorporated as Shree Worstex Limited in 1982; rebranded in 2022 with RBI approval to Unifinz Capital India Ltd. |
Risks and strategy Risk managed via robust internal controls and RBI compliance; strategy focuses on digital innovation and sustainable growth. |
