Zirakpur, 20th July: Regency Fincorp Limited, a specialised NBFC focused on providing accessible and customer-centric financial solutions, announced its unaudited financial results for the quarter ended 30th June 2026, reporting resilient performance backed by portfolio expansion, disciplined risk management, and continued focus on customer growth.
Key Performance Metrics:
|
Particulars (INR crores) |
Q1FY27 |
Q1FY26 |
Y-o-Y |
Q4FY26 |
Q-o-Q |
|
Total Income |
17.4 |
9.3 |
86.5% |
12.0 |
45.0% |
|
Finance Cost & Commission Expenses |
5.4 |
2.4 |
|
4.5 |
|
|
Net Interest Income & Fee Income |
12.0 |
6.9 |
73.9% |
7.5 |
59.6% |
|
Pre-Provisioning Operating Profit |
9.9 |
4.9 |
|
5.2 |
|
|
Profit After Tax |
7.0 |
3.2 |
122.6% |
3.5 |
98.5% |
|
Particulars (INR crores) |
Q1FY27 |
Q1FY26 |
|
AUM |
345.2 |
181.9 |
|
Disbursement |
90.0 |
27.7 |
|
NIM |
3.7% |
1.8% |
|
ROA |
1.9% |
1.4% |
|
ROE |
7.9% |
2.4% |
|
GNPA |
0.98% |
0.40% |
|
NNPA |
0.74% |
0.30% |
Recent Performance Highlights:
- Delivered strong progress during Q1 FY27, driven by robust growth in the secured lending franchise, expansion of digital lending capabilities, and continued focus on portfolio quality and operational efficiency
- Secured loan book increased by 45% during the quarter from approximately ~INR159.5 crore as of March 2026 to ~INR230.1 crore as of June 2026, reflecting the Company’s strategic focus on building a high-quality, collateral-backed lending portfolio
- Successfully launched the Company’s digital lending platform, Cash My Salary and built a digital loan portfolio of ~INR23.4 crore within the first quarter, strengthening Regency‘s technology-led growth strategy
- Further optimized the loan portfolio by reducing unsecured loan exposure from 26% to 18%, reinforcing the Company’s commitment towards prudent risk management and sustainable growth
- Successfully raised ₹110 crore through Listed NCDs and term loans from banks during FY27 to date, strengthening liquidity and diversifying the Company’s funding profile to support future business expansion. Additionally, the Board has approved the issuance of up to ₹25 crore of privately placed Listed NCDs, further enhancing financial flexibility and reinforcing the Company’s long-term capital base
Building a Strong Foundation for Future Growth
- Growing secured lending portfolio with a strong focus on MSME-backed lending
- Expanding digital ecosystem through Cash My Salary and technology-enabled lending solutions
- Diversified funding profile supported by equity capital, Listed NCDs and institutional funding relationships
- Well-positioned to achieve the next phase of growth while maintaining portfolio quality, financial discipline, and sustainable profitability
Commenting on the performance, Mr. Gaurav Kumar, Managing Director, Regency Fincorp Limited, said, “We have started FY27 on a strong note with significant progress across our key strategic priorities. The substantial growth in our secured lending portfolio, successful launch of our digital lending platform Cash My Salary and continued improvement in portfolio quality reflect the strength of our execution capabilities and long-term vision.
During the quarter, we expanded our secured loan book by 45% to ₹230 crore while reducing the share of unsecured lending from 26% to 18%, demonstrating our commitment towards building a resilient, high-quality loan portfolio. At the same time, our digital lending initiative has gained encouraging traction within a short span of launch.
As India’s credit ecosystem continues to evolve, we remain focused on leveraging technology, strengthening risk management frameworks and expanding access to credit for under-served customers and MSMEs. With a growing secured franchise, enhanced digital capabilities, and a well-capitalized balance sheet, we are confident of accelerating our growth journey while maintaining financial discipline and delivering sustainable value for all stakeholders.”