New Delhi, India Mar 18th: lendingplate, a digital-first lending platform under Unifinz Capital India Limited (UCIL), delivered a strong third-quarter performance for FY25-26, underscoring its momentum in India’s fast-evolving digital credit landscape. The Company posted a quarterly profit after tax (PAT) of ₹ 27.06 crore, up from ₹ 6.14 crore in the corresponding quarter last year, marking a YoY increase of about 340%. On a sequential basis, profit rose by 12.55% from ₹ 24.05 crore reported in the September quarter (Q2 FY26), reflecting disciplined growth and strengthened operational efficiency. Profit Before Tax (PBT) for the quarter stood at ₹ 38.17 crore against ₹ 8.25 crores of the corresponding quarter previous year, signalling firm traction across its lending ecosystem.
For the quarter ended December 31, 2025, the company’s revenue from operations increased by 296 per cent YOY, from ₹ 37.24 crore in Q3 FY25 to ₹ 147.55 crore in Q3 FY26 and grew by 14.29 per cent QoQ from ₹ 129.10 crore in Q2 FY26. The surge in revenue is accounted from the increase in loan disbursals by about 362 per cent to 748 crore in Q3 FY26 from 162 crore in Q3 FY25
The company’s AUM has grown by 368 per cent from ₹ 80 crore in Q3 FY25 to ₹ 375 crore during the present quarter, backed by a base of more than 3 lakh unique customers across the country, with a high share of repeat customers for whom lendingplate is a preferred digital lender. Asset quality remained resilient with gross non-performing assets (GNPA) at 2.2 per cent and net NPA at 0.22 per cent, among the lowest in the digital unsecured personal loans sector, the statement said.
Net-worth of the company stood at ₹ 145.41 crore with a gearing of 1.2, leaving much headroom for further growth. It is notable to state that the Company received its maiden rating of BBB- from India Ratings in the present quarter.
Commenting on the performance, Kaushik Chatterjee, Founder & CEO of Unifinz Capital India Limited, said, “Our Q3 performance demonstrates the strength of our operating fundamentals and the resilience of our digital lending model. The scale of revenue and profitability we have delivered this quarter reinforces the discipline of our strategy and the depth of our execution. We are entering the final quarter of the fiscal year with strong momentum and a clear focus on expanding efficiency, enhancing risk controls, and sustaining profitable growth. The company expects its AUM to exceed 500 crores and consolidate a PAT of 100 crores for the full financial year.”
The quarter also saw the successful completion of the Company’s 4:1 bonus share issuance, with 35,414,468 equity shares of ₹10 each allotted to eligible shareholders. Additionally, the Company noted that the financial impact of India’s newly notified Labour Codes remains non-material for the reporting period, based on available regulatory guidance.
