Lendingplate, the digital lending platform under listed NBFC Unifinz Capital India Limited (UCIL), has announced the grant of 40,50,000 employee stock options under its UCIL ESOP 2025 scheme, as the company looks to deepen employee ownership as part of its retention and culture strategy.
The ESOPs represent equity shares with a face value of ₹10 each, offered at an exercise price of ₹10 per option. They will follow a structured vesting schedule spread over three years, with employees able to exercise their options within three years of vesting, a design intended to ensure sustained, long-term participation in the company’s growth rather than short-term reward.
The announcement comes on the back of significant activity at Unifinz Capital. In December 2025, the company’s board recommended a 4:1 bonus equity share issue, signalling confidence in its financial momentum. The company reported strong loan asset growth in the half-year ended September 2025, and received a maiden credit rating of ‘IND BBB-‘/Stable from India Ratings Research (Ind-Ra).
“Our investment in technology-led underwriting and disciplined risk framework over the last few years has created a strong foundation. The ESOP grant is our way of ensuring employees share directly in the company’s success as we continue to scale,” said Kaushik Chatterjee, Founder & CEO of lendingplate, in December 2025.
lendingplate operates as a digital-first NBFC offering unsecured personal loans to salaried individuals across 450 cities and towns in India. The ESOP 2025 scheme had originally been approved by shareholders for a maximum grant of up to 50,00,000 options; the current grant of 40,50,000 options represents the first significant tranche under the scheme.
