Key Financial Performance - H1 FY27 (Standalone)
Assets Under Management (AUM): ₹610.24 Cr in H1 FY27 compared to ₹191.37 Cr in H1 FY26, representing significant growth.
Disbursements: ₹377.45 Cr in H1 FY27 compared to ₹54.57 Cr in H1 FY26.
Total Income: ₹49.87 Cr in H1 FY27 compared to ₹18.89 Cr in H1 FY26.
Profit After Tax (PAT): ₹16.03 Cr in H1 FY27 compared to ₹6.48 Cr in H1 FY26, showing 147.46% year-on-year growth.
Net Interest Margin (NIM): 7.54% in H1 FY27 compared to 3.51% in H1 FY26.
Asset Quality: Gross NPA at 0.99% and Net NPA at 0.75% as of September 2026.
Quarterly Performance - Q2 FY27 (Standalone)
Total Income: ₹32.44 Cr in Q2 FY27 compared to ₹9.54 Cr in Q2 FY26.
Net Interest Income & Fee Income: ₹22.65 Cr in Q2 FY27, showing 244.17% year-on-year growth from ₹6.58 Cr in Q2 FY26.
Profit After Tax: ₹9.01 Cr in Q2 FY27 compared to ₹3.33 Cr in Q2 FY26, representing 170.37% year-on-year growth.
Balance Sheet Position - September 2026 (Standalone)
Financial Liabilities: ₹504.34 Cr (including Debt Securities: ₹386.80 Cr, Other Borrowings: ₹117.54 Cr)
Equity: ₹189.51 Cr (Equity Share Capital: ₹88.85 Cr, Other Equity: ₹100.67 Cr)
Financial Assets: ₹705.24 Cr (Loans: ₹610.25 Cr, Investments: ₹27.32 Cr, Bank Balance: ₹62.48 Cr, Cash: ₹0.10 Cr)
Debt-to-Equity Ratio: 2.66
Capital Adequacy Ratio (CRAR): 28.55%
Fundraising Activities
Between April-September 2026, the company raised ₹424 Cr through NCDs and Term Loans. The company is planning additional fund raise via diversified sources to accelerate future growth.
Business Segments and Portfolio Composition
MSME Secured Loans: 69.7% of portfolio, ticket size ₹20L-₹1Cr, ROI 20-24% (Reducing)
MSME Unsecured Loans: 8.3% of portfolio, ticket size ₹50L-₹1Cr, ROI ≤18% (Flat)
Joint Liability Loans for Women Borrowers: 3.2% of portfolio, ticket size ₹30,000-₹35,000, ROI 28% (Flat)
Digital Lending: 18.4% of portfolio, ticket size ₹15,000-60,000, ROI 30% (Flat)
Average Ticket Size: ₹45-50 lakhs
Average Loan Tenure: 12-60 months
Digital Lending Platform Performance
Cash My Salary platform: Pan-India presence across 26 States + 4 UTs
Loans Disbursed H1 FY27: 87,000 loans worth ₹125.00 Cr
Pin Codes Served: 15,250+
Employee Strength: 270+
Retention Ratio: 70%
Geographical Presence
Branch-led secured MSME lending focused on North & West India (NCR, Punjab, Haryana, Uttarakhand, Chandigarh, Himachal, Gujarat, Eastern Uttar Pradesh). Digital lending extends reach to 26 states & 4 UTs without adding branches.
Management Commentary
Mr. Gaurav Kumar, Managing Director, stated that H1 FY27 has been a breakthrough half with total income exceeding full FY26 earnings. The company has accessed debt markets through secured, rated and listed NCDs, broadening lender base and reducing blended cost of funds to 12.50% in H1 FY27 from 14-14.5% in FY26.
Growth Targets and Strategy
AUM Target: ₹950 Cr by FY27-end
Cost of Funds Target: Reduce to 10.00-11.00% by FY27 end from current 12.50%
Asset Quality Target: GNPA ≤1.25%, Net NPA ≤1%
Leverage Cap: Internally capped at 4x (RBI ceiling: 7x); current leverage ~2.66x
FY27 Targets: ₹80+ Cr revenue, ₹30-35 Cr PAT
Technology Initiatives
Company has AI-powered capabilities for credit scoring, lead generation, and faster processing. Applied for PPI licence with approval expected in 3-5 months. Full AI/tech stack built internally by 50+ member Noida team.
Corporate Development
The company is pursuing migration to NSE Main Board listing next year. The company was renamed from Regency Investments Limited to Regency Fincorp Limited.
#Tags: #RegencyFincorp #Q2FY27Results #NBFC #MSMELending #DigitalLending #SEBIDisclosure #RegulatoryCompliance #FinancialUpdate #Positive