Regency Fincorp Limited Q2 & H1 FY27 Results Update

Financial Performance Highlights (₹ crore)

Quarterly Performance (Q2 FY27 vs Q2 FY26):

  • Total Income: ₹32.44 crore (up 240.0% from ₹9.54 crore)
  • Finance Cost & Commission Expenses: ₹9.79 crore (up 230.7% from ₹2.96 crore)
  • Net Interest Income & Fee Income: ₹22.65 crore (up 244.2% from ₹6.58 crore)
  • Pre-Provisioning Operating Profit: ₹12.03 crore (up 165.1% from ₹4.54 crore)
  • Profit After Tax: ₹9.01 crore (up 171.1% from ₹3.32 crore)

Quarterly Performance (Q2 FY27 vs Q1 FY27):

  • Total Income: ₹32.44 crore (up 86.1% from ₹17.43 crore)
  • Finance Cost & Commission Expenses: ₹9.79 crore (up 81.6% from ₹5.39 crore)
  • Net Interest Income & Fee Income: ₹22.65 crore (up 88.2% from ₹12.03 crore)
  • Pre-Provisioning Operating Profit: ₹12.03 crore (up 28.1% from ₹9.39 crore)
  • Profit After Tax: ₹9.01 crore (up 28.1% from ₹7.03 crore)

Half-Yearly Performance (H1 FY27 vs H1 FY26):

  • Total Income: ₹49.87 crore (up 164.0% from ₹18.89 crore)
  • Finance Cost & Commission Expenses: ₹15.19 crore (up 182.0% from ₹5.38 crore)
  • Net Interest Income & Fee Income: ₹34.68 crore (up 156.9% from ₹13.50 crore)
  • Pre-Provisioning Operating Profit: ₹21.43 crore (up 139.8% from ₹8.93 crore)
  • Profit After Tax: ₹16.03 crore (up 147.5% from ₹6.48 crore)

Key Performance Metrics (Standalone)

  • AUM: ₹610.24 crore (vs ₹191.37 crore in Q2 FY26)
  • Disbursement: ₹363.71 crore (vs ₹54.57 crore in Q2 FY26)
  • NIM: 7.54% (vs 3.51% in Q2 FY26)
  • ROA: 2.24% (vs 2.62% in Q2 FY26)
  • ROE: 18.05% (vs 9.33% in Q2 FY26)

Operational and Strategic Highlights

  • Assets under management crossed ₹600 crore as of 30th September 2026, up from ₹345 crore as of 30th June 2026
  • Secured loan book grew approximately 74% quarter-on-quarter to over ₹400 crore as of 30th September 2026 from ₹230.1 crore as of 30th June 2026
  • Digital lending platform Cash My Salary recorded disbursements of over ₹141 crore across more than 1 lakh loans during H1 FY27
  • Maintained capital adequacy of 28.55% and debt-to-equity ratio of 2.66x on total borrowings of approximately ₹504.33 crore as of 30th September 2026
  • Raised ₹405 crore through NCD placements during H1 FY27
  • Board approved preferential issue of approximately ₹312.15 crore at ₹50.50 per instrument, comprising:
  • Equity shares of approximately ₹72.05 crore
  • Convertible warrants of approximately ₹240.11 crore
  • Preferential issue proceeds earmarked for:
  • Acquisition of digital lending platform: up to ₹125 crore
  • Acquisition of gold loan business: up to ₹75 crore
  • Onward MSME lending: approximately ₹65 crore
  • General corporate purposes: approximately ₹47.15 crore

Management Commentary

Mr. Gaurav Kumar, Managing Director, stated that H1 FY27 has been a breakthrough half with total income exceeding full FY26. The company has accessed debt markets through secured, rated and listed NCDs, broadening lender base and reducing blended cost of funds. The focus remains on building a lending franchise with compounded value growth through disciplined asset quality, leverage and capital allocation.

Forward-Looking Statements

The document contains cautionary statements noting that forward-looking statements are subject to risks including regulatory changes, economic developments, and other factors. The proposed transactions are subject to execution of definitive agreements, due diligence completion, regulatory approvals, and other customary conditions precedent.