Regency Fincorp Reports Robust Q1 FY27 Performance; Secured Loan Book Grows 45% While Digital Platform Gains Traction
Zirakpur, July 20, 2026: Regency Fincorp Limited, a non-banking financial company (NBFC), has announced its unaudited consolidated financial results for the first quarter of FY27, ended June 30, 2026. The results reflect resilient performance and portfolio expansion across the NBFC, as the company continues to focus on disciplined risk management and customer growth in the specialized financing sector.The company demonstrated significant growth in its earnings metrics during Q1FY27. Total Income surged by 86.5% year over year (YoY) to INR 17.4 crore, up from INR 9.3 crore in Q1FY26. Net Interest Income and Fee Income grew 73.9% YoY, reaching INR 12.0 crore, compared to 6.9 crore in the previous corresponding period. Profit After Tax stood at INR 7.0 crore, a 122.6% increase from Q1FY26 results (INR 3.2 crore).
Key performance indicators for Regency Fincorp Limited are summarized below:
| Particulars (INR crores) | Q1FY27 | Q1FY26 | Y-o-Y Growth |
|---|---|---|---|
| Total Income | 17.4 | 9.3 | 86.5% |
| Net Interest Income & Fee Income | 12.0 | 6.9 | 73.9% |
| Pre-Provisioning Operating Profit | 9.9 | 4.9 | - |
Financial metrics and risk parameters for the quarter are detailed as follows:
| Financial Metric (INR crores) | Q1FY27 | Q1FY26 |
|---|---|---|
| Assets Under Management (AUM) | 345.2 | 181.9 |
| Disbursement | 90.0 | 27.7 |
| Net Interest Margin (NIM) | 3.7% | 1.8% |
| Return on Assets (ROA) | 1.9% | 1.4% |
| Return on Equity (ROE) | 7.9% | 2.4% |
| Gross Non-Performing Assets (GNPA) | 0.98% | 0.40% |
| Net Non-Performing Assets (NNPA) | 0.74% | 0.30% |
Operational and Strategic Highlights
The company reported strong progress driven by the expansion of its secured lending franchise and continued investment in digital capabilities. Regency Fincorp successfully launched its digital lending platform, Cash My Salary. Within the first quarter, this initiative generated a dedicated digital loan portfolio amounting to approximately INR 23.4 crore, strengthening the firm’s technology strategy.The secured loan book saw a substantial increase of 45% during the quarter, growing from roughly INR 159.5 crore as of March 2026 to INR 230.1 crore as of June 2026. In parallel, the company reinforced its commitment to prudent risk management by reducing unsecured loan exposure from 26% to 18%.
To support its growth and diversify funding, Regency Fincorp successfully raised ₹110 crore through Listed NCDs and term loans from banks during FY27 to date. Furthermore, the Board of Directors approved the issuance of up to ₹25 crore in privately placed Listed NCDs, which is expected to enhance financial flexibility and bolster the company’s capital base for future expansion.
Management Commentary
Commenting on the quarterly performance, Sarfaraz Mallick, Co-Founder, Whole time Director, and CFO of Regency Fincorp Limited, stated that FY27 commenced with significant achievements across key strategic priorities. He highlighted that the substantial growth in the secured lending portfolio and the successful launch of the digital lending platform Cash My Salary reflect strong execution capabilities.Mallick noted that expanding the secured loan book by 45% to INR 230 crore, while reducing unsecured lending from 26% to 18%, demonstrates a commitment to building a resilient, high-quality loan portfolio. He added that as India’s credit ecosystem evolves, the company remains focused on leveraging technology and strengthening risk management frameworks to expand access to credit for MSMEs and customers.
Regency Fincorp Limited is an NBFC providing financial products and lending solutions to retail customers, emerging businesses, and Micro, Small, and Medium Enterprises (MSMEs). The company aims to drive financial inclusion through operational excellence and customer-centric innovation.
Stock Price Movement
Regency Fincorp Ltd shares settled at ₹46.36 after today's market close, climbing 1.20%. The equity experienced significant intraday movement, trading within a range defined by a low of ₹43.53 and a high of ₹47.75.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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