Regency Fincorp Q2 FY27 Net Profit ₹16.03 Crore

Board Meeting Details

Meeting Date: 23rd October 2026
Commencement Time: 12:30 PM
Conclusion Time: 01:30 PM

Key Board Approvals

1. Financial Results Approval

Approved standalone un-audited financial results and limited review report by statutory auditors for quarter and half year ended 30th September 2026
Approved consolidated un-audited financial results and limited review report for quarter and half year ended 30th September 2026
Financial results submitted to debenture trustee as required under Regulation 52(1)

2. Regulatory Disclosures

Statement containing disclosures under Regulation 52(4) of SEBI LODR Regulations
Certificate of Security Cover pursuant to Regulation 54(3) read with SEBI Circular No. SEBI/HO/DDHS-PoD3/P/CIR/2024/46 dated 16th May 2024

3. Debenture Issuance

Approved issuance of 40,000 units of Secured, Rated, Listed, Non-Convertible Debentures
Face Value: ₹10,000 per unit
Total Issue Size: ₹40,00,00,000 (₹40 crore)
Issuance Mode: Private placement
Base issue: 30,000 units
Green shoe option: 10,000 units
Tenure: 18 months
Coupon Rate: 12.00% p.a.
Interest Payment: Monthly
Principal Payment: At maturity
Security: 1.25x security cover from principal receivables
Listing: BSE Limited
Default Interest: 5% p.a. over coupon rate for delays beyond three months

4. Appointments

Appointment of Catalyst Trusteeship Limited as Trustee for the NCD issuance
Appointment of Credora Partners Private Limited as Merchant Banker for the NCD issuance

Financial Performance Highlights (Standalone)

Income Statement (₹ in Lakhs)

| Interest Income | 2,281.87 | 1,532.37 | 733.20 | 3,814.23 | 1,452.40 | 3,240.62 |

| Fees & Commission | 730.38 | 81.26 | 46.32 | 811.65 | 103.43 | 205.42 |

| Total Revenue | 3,012.25 | 1,613.63 | 779.52 | 4,625.88 | 1,555.83 | 3,446.04 |

| Other Income | 231.73 | 129.06 | 174.58 | 360.79 | 332.73 | 559.10 |

| Total Income | 3,243.98 | 1,742.69 | 954.10 | 4,986.67 | 1,888.56 | 4,005.14 |

| Finance Costs | 835.71 | 506.54 | 254.88 | 1,342.24 | 483.21 | 1,028.36 |

| Total Expenses | 2,040.53 | 803.55 | 500.14 | 2,844.08 | 995.25 | 2,182.35 |

| Profit Before Tax | 1,203.45 | 939.14 | 453.96 | 2,142.59 | 893.31 | 1,822.79 |

| Tax Expense | 302.91 | 236.38 | 121.78 | 539.29 | 245.42 | 481.11 |

| Net Profit | 900.54 | 702.76 | 332.18 | 1,603.30 | 647.89 | 1,341.68 |

| EPS - Basic (₹) | 1.01 | 0.79 | 0.48 | 1.80 | 0.93 | 1.67 |

| EPS - Diluted (₹) | 1.01 | 0.79 | 0.48 | 1.80 | 0.93 | 1.47 |

Balance Sheet Position (₹ in Lakhs)

| Particulars | As of 30.09.2026 | As of 31.03.2026 |

| Total Assets | 71,495.63 | 32,934.08 |

| Loans & Advances | 61,024.82 | 26,123.04 |

| Investments | 2,731.58 | 141.81 |

| Bank Balances | 6,247.59 | 5,143.78 |

| Debt Securities | 38,680.17 | 5,593.42 |

| Borrowings | 11,753.73 | 9,981.41 |

| Total Equity | 18,951.17 | 16,049.41 |

| Paid-up Capital | 8,884.61 | 8,017.11 |

Financial Performance Highlights (Consolidated)

Income Statement (₹ in Lakhs)

| Interest Income | 2,281.87 | 1,532.37 | 3,814.23 | 3,240.62 |

| Sale of Product & Services | 1,419.06 | - | 1,419.06 | - |

| Fees & Commission | 730.38 | 81.26 | 811.65 | 205.42 |

| Total Revenue | 4,431.31 | 1,613.63 | 6,044.94 | 3,446.04 |

| Other Income | 231.73 | 129.06 | 360.79 | 559.10 |

| Total Income | 4,663.04 | 1,742.69 | 6,405.73 | 4,005.14 |

| Profit Before Tax | 1,334.65 | 939.14 | 2,273.79 | 1,822.79 |

| Tax Expense | 335.93 | 236.38 | 572.31 | 481.11 |

| Net Profit | 998.72 | 702.76 | 1,701.48 | 1,341.68 |

| EPS - Basic (₹) | 1.12 | 0.79 | 1.92 | 1.67 |

| EPS - Diluted (₹) | 1.12 | 0.79 | 1.92 | 1.47 |

Previous NCD Issuances and Utilization

The disclosure includes detailed utilization reports for seven previous NCD issuances in Q1 FY27:

B1. NCD Issuance (ISIN: INE964R07101)

Date: 23/07/2026
Amount: ₹40,00,00,000
Fully utilized for onward lending
No deviation in fund utilization

B2. NCD Issuance (ISIN: INE964R07119)

Date: 30-07-2026
Amount: ₹40,00,00,000
Instrument: 13% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

B3. NCD Issuance (ISIN: INE964R07127)

Date: 11-08-2026
Amount: ₹30,00,00,000
Instrument: 14% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

B4. NCD Issuance (ISIN: INE964R07135)

Date: 19-08-2026
Amount: ₹60,00,00,000
Instrument: 13.50% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

B5. NCD Issuance (ISIN: INE964R07143)

Date: 27-08-2026
Amount: ₹50,00,00,000
Instrument: 13% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

B6. NCD Issuance (ISIN: INE964R07150)

Date: 11-09-2026
Amount: ₹60,00,00,000
Instrument: 13% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

B7. NCD Issuance (ISIN: INE964R07168)

Date: 18-09-2026
Amount: ₹50,00,00,000
Instrument: 12% Listed, Secured, Rated, Redeemable Non-Convertible Debentures
Fully utilized for onward lending
No deviation

Total NCDs raised in Q1 FY27: ₹220 crore

Security Cover Details

Outstanding Default Position (₹ in Crore)

| Particulars | Outstanding Amount | Default Amount |

| Loans from Banks/FIs | 51.58 | 0.00 |

| Unlisted Debt Securities | 2.14 | 0.00 |

| Total Financial Indebtedness | 65.95 | 0.00 |

Security Cover Certificate

Security cover maintained at 1.28x for outstanding NCDs of ₹384.66 crore
Book value of charged receivables: ₹491.91 crore
Security consists exclusively of identified loan receivables
Company complied with all financial covenants
No default in payment of interest/principal

Key Financial Ratios (Regulation 52(4) Disclosure)

Debt-equity ratio: 2.66
Interest service coverage ratio: 2.60
Net worth: ₹18,951.17 lakhs
Net profit after tax: ₹1,603.30 lakhs
Earnings per share: ₹1.80
Current ratio: 3.07
Operating margin percent: 81.11%
Net profit margin percent: 34.66%

Related Party Transactions (Half-yearly)

Transactions with KMPs and Related Parties (₹ in Lakhs)

Gaurav Kumar (MD): Salary ₹42.00, Reimbursement ₹10.93, Imprest ₹6.58, Rent ₹1.50
Sarfaraz Mallick (CFO): Salary ₹24.00, Reimbursement ₹15.38
Neha Abrol (Operational Head): Salary ₹24.00, Rent ₹1.50
Srishty Abrol (Relative of KMP): Salary ₹12.00
Abhimanyu (CS): Salary ₹3.61

Inter-corporate Deposits and Loans (₹ in Lakhs)

Inter-corporate deposits: ₹1,069.92 lakhs outstanding
Loans given: ₹2,532.31 lakhs outstanding
Loans taken: ₹277.03 lakhs repaid

Compliance Status

No deviation in utilization of proceeds from previous issuances
No outstanding defaults on loans or debt securities
All regulatory disclosures made as per SEBI LODR requirements
Security cover maintained above stipulated requirements