Regency Fincorp Ltd · BSE:REGENCY
Regency Fincorp — H1 FY27 Earnings Presentation
22 slides from Regency Fincorp's earnings presentation, Oct 26, 2026
Slide 1: Submission of Investor Presentation to BSE
CIN: L67120PB1993PLC013169 Regency Fincorp Limited (Formerly Known as: Regency Investments Limited) Corp & Regd Office: SCO-6 Upper Ground Floor LA MER, PR-7, Airport Road, Zirakpur140603, Punjab. Contact No: +91 7717593645, Web: www. regencyfincorp.co.in E-mail: [email protected] Date
Slide 2: Regency Fincorp Ltd Q2 & H1 FY27 Investor Presentation
Regency Fincorp Ltd Q2 & H1 FY27 Investor Presentation
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by Regency Fincorp Ltd (the “Company” or “Regency” or “RFL”) solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities and shall not form the basis or be relied on in conn
Slide 4: Building A Diversified Lending Franchise
Building A Diversified Lending Franchise From a traditional NBFC to a technology-enabled, secured MSME-focused lending franchise – Regency is positioned to participate in the next phase of India’s credit growth Built For The Under-served Serving MSMEs, entrepreneurs and emerging consumers across und
Slide 5: Regency Fincorp At A Glance
Regency Fincorp At A Glance c Disbursement Funds Raised AUM PAT NIM ₹610.24 Cr ₹377.45 Cr ₹424 Cr ₹16.03 Cr 7.54% As of Sept’ 26 (H1 FY27) (H1 FY27) (H1 FY27) 63%+ CAGR H1 FY21–H1 FY27 +591.68% YoY Completed in H1 FY27 +147.46% YoY + 403 Bps YoY ✓ ✓ Diversified & Secured ✓ Prudent Risk & Quality ✓ D
Slide 6: Management Comment
Management Comment Commenting on the financial performance, Mr. Gaurav Kumar, Managing Director, Regency Fincorp Limited said, “H1 FY27 has been a breakthrough half for us. Our total income in the first six months has already exceeded what we earned in the whole of FY26. This reflects the strength o
Slide 7: Key Highlights H1 FY27 - Standalone
Key Highlights H1 FY27 - Standalone ₹ in Cr AUM Disbursements Total Income PAT NIM H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 191.37 610.24 54.57 377.45 18.89 49.87 6.48 16.03 3.51% 7.54% GNPA NNPA Capital CRAR Branches Sept’ 25 Sept’ 26 H1 FY26 H1 FY27 H1 FY26 H
Slide 8: Income Statement - Standalone
Income Statement - Standalone ₹ in Cr Particulars Q2 FY27 Q2 FY26 Y-o-Y Q1 FY27 Q-o-Q H1 FY27 H1 FY26 Y-o-Y Total income 32.44 9.54 17.43 49.87 18.89 Finance Cost & Commission Expenses 9.79 2.96 5.39 15.19 5.38 Net Interest Income & Fee Income 22.65 6.58 244.17% 12.03 88.21% 34.68 13.50 156.87% Empl
Slide 9: Balance Sheet - Standalone
Balance Sheet - Standalone Particulars (INR crores) Mar’26 Sept’26 Particulars (INR crores) Mar’26 Sept’26 Liabilities Assets Financial Liabilities 155.75 504.34 Financial Assets 322.21 705.24 Debt Securities 55.93 386.80 Cash and cash equivalents 0.05 0.10 Borrowings (other than debt securities) 99
Slide 10: Key Financial Metrics – H1 FY27 (1/2)
Key Financial Metrics – H1 FY27 (1/2) ₹ in Cr ₹ in Cr AUM Disbursement 610.24 112.6 377.45 22.0 Total AUM 191.37 50.5 425.2 38.7 92.2 54.57 60.5 H1 FY26 H1 FY27 H1 FY26 H1 FY27 Digital Lending Retail MSME Un-secured MSME Secured Average Yield & Cost of Funds Spread 9.70% 6.00% 8.03% 4.63% 3.40% 3.70
Slide 11: Key Financial Metrics – H1 FY27 (2/2)
Key Financial Metrics – H1 FY27 (2/2) Debt/Equity (x) NIM (%) 2.66 7.54% 3.51% 0.76 H1 FY26 H1 FY27 H1 FY26 H1 FY27 Opex (% of Avg AUM) ROA & ROE (%) 18.05% 2.48% 2.41% 9.33% 2.24% 2.62% H1 FY26 H1 FY27 H1 FY26 H1 FY27 Numbers and Percentages have been rounded off to two decimals
Slide 12: Evolving with Scale: Key Milestones & Metrics
Evolving with Scale: Key Milestones & Metrics Foundation Phase Transformation Phase Growth & Scaling Up Next Phase Of Growth 2016-18 2018-21 2022–25 2026–27 • Takeover by the current • Strong loan book expansion • Renamed from Regency • Successfully completed ₹424 management with healthy portfolio g
Slide 13: Multiple Lending Engines Driving Diversified Growth
Multiple Lending Engines Driving Diversified Growth 69.7% 8.3% 3.2% 18.4% Joint Liability Loans MSME Secured Loan MSME Unsecured Loan Digital Lending for Women Borrowers MSMEs Corporates / Prop / NBFC Working Ladies (JLG) Salaried Individuals Security Security Security Security Yes (Property) No No
Slide 14: Geographical Presence
Geographical Presence Total AUM (Own) States Covered Branches HQ Corporate Office ₹610.24 Cr 8 26 Zirakpur Noida As on September 2026 Prominently North India Active Branches Punjab (RBI-Reg NBFC) ~390+ member in-house team Portfolio Concentration 5.82% 1.57% 3.48% 16.04% 15.79% 18.45% 17.49% 21.36%
Slide 15: Strengthening Reach Through Branches and Digital Channels
Strengthening Reach Through Branches and Digital Channels Secured MSME Lending: Branch Network Digital Lending: Pan-India Presence Total Disbursement No. of Loans Disbursed Loans Disbursed ₹252.45 Cr 2,366 ₹125.00 Cr 87 k H1 FY27 H1 FY27 H1 FY27 H1 FY27 Average Loan Size Retention Ratio ₹25-30 k Ave
Slide 16: Technology-led Transformation For Scalable Growth
Technology-led Transformation For Scalable Growth Our Digital Lending Platform AI-powered Capabilities Credit Score Advanced AI/ML models for accurate credit assessment Lead Generation & Conversion Credit Data-driven lead sourcing and higher User Wallet UPI Repayment conversion efficiency (Salary-li
Slide 17: Disciplined Underwriting Driving Robust Risk Management
Disciplined Underwriting Driving Robust Risk Management Underwriting Filters Risk Process Flow Risk Management Architecture End-to-end credit lifecycle discipline Age Fraud Management System 20 – 58 years Underwriting Fund Transfer Pricing ① CIBIL Score Filter & Approve ≥ 650 ALM Framework Risk Scor
Slide 18: Strong Balance Sheet
Strong Balance Sheet Total Debt Outstanding: ₹504.34 Cr (Sept’26) · D/E Ratio: 2.66 · CRAR: 28.55% Debt C A P I Segment T A L E V O L UBreakdown T I O N ( ₹ C r ) ( Sept ’26) Debt Mix By Segment Segment O/s (₹ Cr) % Mix 7.75% 4.96% 10.60% Term Loans 53.45 10.60% Term Loans NCD NCD 386.80 76.69% Unse
Slide 19: Experienced Leadership
Experienced Leadership RFL is professionally managed with leadership averaging 20+ years of experience across Banking, Capital Markets, Credit & Risk domains • 20+ years of experience across Banking & Capital • Brings over 15 years of experience across IT Markets infrastructure, enterprise applicati
Slide 20: Building A ₹3,000 Crore AUM NBFC By FY30
Building A ₹3,000 Crore AUM NBFC By FY30 FY25 FY26 FY27 (Target) FY30 (Vision) ₹170 Cr ₹261 Cr ₹950 Cr ₹3,000 Cr+ Technology-Led Capital Adequacy Building a scalable Financial Inclusion at Scale Geographic Expansion Underwriting Leadership Digital Platform Serve 1,00,000+ MSME Deepen our footprint i
Slide 21: Growth Roadmap: Value Creation
Growth Roadmap: Value Creation Scale the Secured Book Optimize Cost of Funds Digital-Led Efficiency Disciplined Risk & Capital Value Creation Objective: Grow AUM Objective: Margin expansion Objective: Technology-enabled Objective: Asset quality & sustainably growth (Cash My Salary) capital efficienc
Slide 22: Thank You
Thank You [email protected] Investor Relations Advisors [email protected] Mr. Harshil Ghanshyani regencyfincorp.co.in [email protected]