Disclosure Context

Regency Fincorp Limited submitted a revised press release under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, containing unaudited financial results for the quarter ended 30th June 2026. The results were approved by the Board of Directors at its meeting held on 20th July, 2026.

Financial Results Summary

Key Financial Metrics (INR crores)

| Particulars | Q1FY27 | Q1FY26 | Y-o-Y Growth | Q4FY26 | Q-o-Q Growth |

| 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% |

Key Performance Ratios

  • Net Interest Margin (NIM): 1.9% (vs 1.4% in previous period)
  • Return on Assets (ROA): Not specified
  • Return on Equity (ROE): 7.9% (vs 2.4% in previous period)
  • Gross NPA: 0.98% (vs 0.40%)
  • Net NPA: 0.74% (vs 0.30%)

Business Metrics

  • Assets Under Management (AUM): ₹345.2 crore
  • Disbursement: ₹90.0 crore
  • Disbursement as % of AUM: 3.7% (vs 1.8% in Q1FY26)

Operational Highlights

Portfolio Performance

  • Secured loan book increased by 45% during Q1 FY27 from approximately ₹159.5 crore as of March 2026 to ₹230.1 crore as of June 2026
  • Unsecured loan exposure reduced from 26% to 18% of total portfolio
  • Digital lending platform "Cash My Salary" launched with portfolio of ₹23.4 crore within first quarter

Funding Activities

  • Raised ₹110 crore through Listed NCDs and term loans from banks during FY27 to date
  • Board approved issuance of up to ₹25 crore of privately placed Listed NCDs

Strategic Focus Areas

  • Growing secured lending portfolio with focus on MSME-backed lending
  • Expanding digital ecosystem through Cash My Salary and technology-enabled lending solutions
  • Maintaining diversified funding profile supported by equity capital, Listed NCDs and institutional funding relationships

Management Commentary

Mr. Sarfaraz Mallick, Co-Founder, Whole time Director & CFO, stated: "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."

Company Description

Regency Fincorp Limited is a non-banking financial company (NBFC) engaged in providing financial products and lending solutions for retail customers, MSMEs, and emerging businesses, focused on financial inclusion through accessible credit solutions.

Forward-Looking Statements Disclaimer

The document contains cautionary statements noting that forward-looking statements are subject to risks and uncertainties including regulatory changes, economic developments, and other factors that could cause actual results to differ materially from expectations.