| Management target | Revenue FY27 |
|---|
| Revenue growth | 86% YoY income growth in Q1 FY27. |
|---|---|
| Margins | Targeting 10-12% annualized NIM on MSME portfolio. |
| Demand visibility | Strong demand in Tier 2 cities for MSME financing. |
| Management confidence | High, targeting significant AUM scaling and lower borrowing costs. |
Growth
AUM grew to ₹345 Cr from ₹261 Cr in March 2026. Q1 PAT reached ₹7 Cr.
Outlook
FY27 revenue target of ₹75 Cr+ and PAT of ₹25-30 Cr. Aiming for ₹3,000 Cr AUM by FY30.
Risks
Competition from larger NBFCs and banks; managing NPA in unsecured digital lending books.
Last quarter's promises, checked
Delivered
- AUM growth momentum → delivered ₹345 Cr from ₹261 Cr (= BEAT)
- Shift to secured MSME (target 75-80%) → delivered 44% QoQ growth (= BEAT)
- Launch digital initiatives → delivered 'Cash My Salary' platform (= BEAT)
Partly delivered
- Cost of funds target 11-12% → delivered 13-14% range (= PARTIAL)
Earnings Call Transcript filed with BSE, NSE: REGENCY. Summary written with AI assistance from the document.
Regency Fincorp Ltd: key numbers
- Share price
- ₹45.17
- Market cap
- ₹332.2 Cr
- Revenue (annual)
- ₹34.46 Cr
- Net profit (annual)
- ₹13.42 Cr
- P/E (TTM)
- 19.2×Sector 22.0×
- Promoter holding
- 21.43%-2.31% QoQ
- FII holding
- 0.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Regency Fincorp Ltd
All →Regency Fincorp Debt & Borrowing
Regency Fincorp Limited has received listing approval from BSE for its privately placed Non-Convertible Debentures on the Debt Market Segment.
Regency Fincorp Debt & Borrowing: ₹1.89 Cr
Regency Fincorp paid Rs.1.89 Crore as interest on its non-convertible debentures for the period ending September 2026.
- Value
- ₹1.89 Cr
Regency Fincorp Debt & Borrowing: ₹10 Cr
Regency Fincorp Ltd redeemed Rs. 10.00 Crore of its debt securities via partial face value redemption. This disclosure confirms the payment status.
- Value
- ₹10.00 Cr
Regency Fincorp Debt & Borrowing: ₹0.48 Cr
Regency Fincorp paid interest on its rated secured NCDs, though a minor payment discrepancy occurred due to banking detail mismatches for two holders.
- Value
- ₹0.48 Cr
Regency Fincorp Debt & Borrowing: ₹3.5 Cr
Regency Fincorp Ltd board approved the issuance of 350 secured, listed, non-convertible debentures aggregating to ₹3.50 Crore on a private placement basis.
- Value
- ₹3.50 Cr
- Execution
- 18 months
Regency Fincorp Debt & Borrowing: ₹50 Cr
Regency Fincorp allotted 50,000 NCDs totaling ₹50 Crore to three investors via private placement. The 12% secured NCDs carry a 15-month tenor maturing December 2027.
- Value
- ₹50.00 Cr