Capital India Finance Raises ₹100 Crore Through NCD Issue
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Capital India Finance has raised ₹100 crore through a private placement of secured NCDs, adding funds to its lending business as its MSME and retail loan portfolio expands.
Capital India Finance Ltd has raised ₹100 crore through the private placement of listed, rated, senior, secured, transferable and redeemable non-convertible debentures (NCDs).
The fundraising comes as the company continues to expand its secured micro, small and medium enterprise (MSME) and retail lending operations.
At the close of trading on 29 September, the Capital India Finance share price was down 1.70% at ₹21.36 on the National Stock Exchange (NSE).
What Are The Details Of The NCD Issue?
The NCD issue comprised a base issue of ₹50 crore and a green shoe option of another ₹50 crore, taking the total amount raised to ₹100 crore.
The debentures have a tenure of 27 months and carry a fixed coupon of 10% per annum, payable quarterly. The NCDs will be listed on the Bombay Stock Exchange (BSE).
The company said the fundraise will add to its funding base and provide resources for the planned growth of its lending business. It also forms part of its effort to diversify borrowing sources.
What Does Capital India Finance Do?
Capital India Finance is a listed, non-deposit-taking non-banking financial company (NBFC) focused on secured MSME and retail lending.
It provides customised credit solutions to micro, small and medium enterprises, professionals and retail customers through a combination of physical branches, technology-enabled processes and local market expertise.
How Has Capital India Finance Performed?
Capital India Finance’s assets under management (AUM) rose 22% year on year to ₹1,227.37 crore in FY26, while disbursements increased 62% to ₹753.54 crore. Total income for the year stood at ₹229.67 crore.
The growth continued in the first quarter of FY27, with standalone total income rising 32% year-on-year to ₹69.53 crore. Disbursements grew 36%, while AUM increased 20% year on year.
The company’s capital adequacy ratio stood at 43.58% as of 30 June 2026.
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This article is for informational purposes only and should not be considered investment advice from Kotak Neo. For compliance T&C and disclaimers, Visit www.kotakneo.com/disclaimer
Vishwa has spent 10+ years across fintech and FMCG doing what most people miss, connecting the dots, catching trends before they trend, and finding the angle nobody else thought to ask about.
At Kotak Neo, she drives content strategy for neoshorts, Kotak News Desk, and Investing Guide, turning market noise into something worth reading.
When she's not decoding markets, she trades charts for canvases, chasing art, painting, and architecture across cities she's yet to explore.
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