DJ Mediaprint approves Rs 7 crore loan at 16.75% interest

DJ Mediaprint & Logistics Limited approved a secured term-loan facility of up to Rs 7 crore from Satin Finserv Limited on November 13, 2026, at fixed interest of 16.75% a year for 36 months. The facility is intended for expansion and working capital, with monthly repayments scheduled to begin in December 2026.

What loan has DJ Mediaprint approved?

DJ Mediaprint approved a secured term-loan facility of up to Rs 7 crore from Satin Finserv on November 13, 2026. The board approved the proposal on the terms of Satin Finserv's November 10, 2026 sanction letter, and the company said the loan agreement was to be executed on or after November 15, 2026.

The facility is intended to meet business-expansion and working-capital requirements. DJ Mediaprint reported nil outstanding under this facility on the disclosure date, so the Rs 7 crore amount is the approved aggregate ceiling rather than a reported amount already drawn. The filing does not allocate the proposed borrowing between expansion and working-capital use.

Satin Finserv is an unrelated non-banking financial company, or NBFC, according to the November 13 disclosure. DJ Mediaprint reported nil shareholding in Satin Finserv and said the lender is not related to its promoter, promoter group or group companies. The borrowing approval was made at a board meeting that started at 7.30 p.m. and ended at 9.55 p.m. on November 13.

What are DJ Mediaprint's interest and repayment terms?

DJ Mediaprint's loan carries a fixed interest rate of 16.75% a year, calculated using the reducing-balance method, over a 36-month tenure. The disclosed repayment schedule requires 36 monthly instalments beginning in December 2026, subject to the facility documentation.

The company also disclosed processing fees and other charges of 0.295%, but did not state their rupee amount, the monthly instalment amount or the proposed disbursement date. Events of default and prepayment terms are to be governed by the sanction letter or facility agreement; their detailed conditions and any penalties were not set out in the announcement.

The announced three-year facility follows a quarter in which DJ Mediaprint reported revenue from operations of Rs 26.08 crore for the quarter ended September 30, 2026. That was Rs 4.07 crore below Rs 30.15 crore in the quarter ended June 30, 2026, but Rs 0.15 crore above Rs 25.93 crore in the quarter ended September 30, 2025.

What security supports DJ Mediaprint's Rs 7 crore loan?

DJ Mediaprint will provide exclusive hypothecation over receivables and assets funded from the loan, together with a demand promissory note and letter of continuity. The security therefore includes the receivables and hypothecated assets financed through the facility, as specified in the November 13 filing.

The financing also includes a pledge of equity shares held by promoter and Managing Director Dinesh Muddu Kotian. The significant-terms disclosure states 19,69,611 shares, while the loan-agreement disclosure states 19,69,612 shares, leaving a one-share difference between two parts of the same announcement. DJ Mediaprint did not state what percentage of Mr Kotian's holding those shares represent.

DJ Mediaprint described the pledge as a promoter-level encumbrance. It said Mr Kotian would separately disclose it under Regulation 31 of the Securities and Exchange Board of India, or SEBI, Substantial Acquisition of Shares and Takeovers Regulations, 2011, and Regulation 7(2) of the SEBI Prohibition of Insider Trading Regulations, 2015.

Will Satin Finserv have control over DJ Mediaprint?

Satin Finserv will not receive a nominee-director appointment and has no right over DJ Mediaprint's management or control under the sanction letter. The November 13 disclosure instead identifies lender protections through hypothecation, the promissory note, the promoter share pledge, repayment terms and default provisions.

Mr Kotian did not participate in board deliberations concerning the pledge because he is interested in that arrangement, the company said. DJ Mediaprint also said his personal security is provided to the lender at no charge to the company, while the loan agreement itself is not a related-party transaction.

No shares are being issued to Satin Finserv under the borrowing arrangement. That differs from DJ Mediaprint's September 25, 2026 conversion of 2,92,001 warrants into 2,92,001 equity shares at an issue price of Rs 114 per share, comprising Rs 10 face value and Rs 104 securities premium per share.

How does the borrowing compare with DJ Mediaprint's latest results?

DJ Mediaprint reported revenue from operations of Rs 56.23 crore for the half year ended September 30, 2026, compared with Rs 41.45 crore in the corresponding half year ended September 30, 2025. The half-year increase contrasts with the Rs 4.07 crore sequential decline in quarterly revenue between June and September 2026.

Net profit was Rs 4.33 crore for the half year ended September 30, 2026, compared with Rs 3.43 crore a year earlier. For the September quarter, net profit was Rs 2.46 crore, up from Rs 1.77 crore in the quarter ended September 30, 2025. The company operates in Printing Business and Record Management & Services, but the loan announcement does not specify how funding will be divided between those segments.

DJ Mediaprint also disclosed that the Directorate General of GST Intelligence conducted verification proceedings at its corporate office during September 2026 under Section 67(2) of the Central Goods and Services Tax Act, 2017. The company said that, as of November 13, no show-cause notice or tax demand had been issued, and no provision had been made because the financial impact was not ascertainable.

Conclusion

DJ Mediaprint has approved a potential Rs 7 crore secured borrowing that combines a 36-month repayment structure with a fixed 16.75% annual rate. The facility is for expansion and working capital, secured by funded assets and receivables as well as a promoter-level pledge of about 19.7 lakh shares, while Satin Finserv has no disclosed management or control rights.

The next disclosed milestones are execution of the facility agreement on or after November 15, 2026 and the planned commencement of monthly repayments in December 2026. Readers can also watch for the promoter's separate pledge disclosure, confirmation of any drawdown from the Rs 7 crore limit, and any further explanation of how funds are deployed between expansion and working capital.