| Revenue growth | Q2 total income +240% YoY; H1 +164%, AUM-driven. |
|---|---|
| Margins | H1 NIM 7.54% vs 3.51%; blended cost of funds falling to 12.35%. |
| Demand visibility | Demand trends not quantified; growth attributed to own AUM expansion. |
| Management confidence | Over-optimistic: targets 'should be 100% achievable'. |
Growth
Q2 total income ₹32.44 Cr (+240% YoY), PAT +170%. Growth is AUM-driven; H1 NIM 7.54% vs 3.51%.
Outlook
FY27 AUM ₹900–950 Cr, PAT ₹40–42 Cr; FY28 AUM ₹2,000 Cr, FY29 ₹3,000 Cr; cost of funds target 10.75–11.25%.
Risks
GNPA 0.99%; D/E 2.66x; ₹313 Cr raise and acquisitions unclosed; related-party fee query answered without figures.
Earnings Call Transcript filed with BSE, NSE: REGENCY. Summary written with AI assistance from the document.
Regency Fincorp Ltd: key numbers
- Share price
- ₹62.00
- Market cap
- ₹456.0 Cr
- Revenue (annual)
- ₹34.46 Cr
- Net profit (annual)
- ₹13.42 Cr
- P/E (TTM)
- 19.9×Sector 19.1×
- Promoter holding
- 21.44%+0.01% QoQ
- FII holding
- 1.46%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: ₹40 Cr
Regency Fincorp allotted 40,000 listed secured NCDs at ₹40 Crore to six investors. The 18-month debentures carry a 12% coupon rate.
- Value
- ₹40.00 Cr
- Execution
- 18 Months
Regency Fincorp Board Meeting Date
Regency Fincorp Ltd intimated a board meeting on 31 October 2026 to consider issuing listed, rated, secured NCDs on private placement. It will also appoint a debenture trustee for the issue.
Regency Fincorp Debt & Borrowing: ₹0.01 Cr
Regency Fincorp paid monthly interest of Rs.1,00,000 on its 14% rated listed secured NCDs (ISIN INE964R07051) on 28 October 2026, with no delay. This is routine debt servicing on existing secured debt.
- Value
- ₹0.01 Cr
Regency Fincorp Debt & Borrowing: ₹0.53 Cr
Regency Fincorp paid Rs 0.53 Crore monthly interest on its 13% NCD INE964R07143 on 27 October 2026, as due. No payment delay was reported.
- Value
- ₹0.53 Cr
Regency Fincorp Other Announcement
Regency Fincorp filed its quarterly shareholding pattern for the period ended 30 September 2026. Promoter and promoter group hold about 21.44% of the company.
Regency Fincorp Investor Presentation: Key Takeaways
Standalone H1 FY27: PAT ₹16.03 Cr (+147% YoY), total income ₹49.87 Cr, AUM ₹610.24 Cr. Growth driven by secured MSME and digital lending, funded by ₹424 Cr of NCDs and term loans.