Regency Fincorp Ltd · BSE:REGENCY
Regency Fincorp — Q1 FY27 Earnings Presentation
23 slides from Regency Fincorp's earnings presentation, Jul 20, 2026
Slide 1: Cover letter to BSE listing department
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Slide 2: Regency Fincorp Ltd Investor Presentation – Q1 FY27
Regency Fincorp Ltd Investor Presentation – Q1 FY27
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: Who we are
Who we are . . . Emerging NBFC Shifting to Digital Lending & Secured MSME Specialized NBFC, incorporated in 1993, Support small businesses, agriculture-linked focused on providing credit access to activities, and emerging middle-class underserved and underbanked segments consumers, enabling income g
Slide 5: Regency Fincorp – At a Glance
Regency Fincorp – At a Glance Today we are… 24 AUM ₹345+Cr ₹230+ Cr ₹230 Cr Average Ticket Size Branches + 89.8% YoY Cumulative Disbursements ~ 5X YoY ₹35-40 lakhs As on 30th June 2026 from Apr-25 Secured Book As on 30th June 2026 90+ Credit Rating Infomerics Ratings 12-60 Months 100% 9+ Employees A
Slide 6: Journey: Key Events and Milestones
Journey : Key Events and Milestones Foundation Phase Transformation Phase GROWTH & SCALING UP NEXT PHASE OF GROWTH 2016-18 2018-21 2022–25 FY26–27 • Takeover by the current • Strong loan book expansion with • Renamed from Regency • Successfully completed ₹60 crore management healthy portfolio growth
Slide 7: Management Team
Management Team RFL is professionally managed with leadership averaging 20+ years of experience across Banking, Capital Markets, Credit & Risk domains. Founder & Co-founder, Whole time Director Whole time Director Managing Director & Chief Financial Officer Mr. Gaurav Kumar holds a Bachelor's degree
Slide 8: Product Portfolio
Product Portfolio AUM Mix ( Jun-26 ) · Total AUM: ₹ 345 Cr 66.6% 18.4% 8.1% 6.8% 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)
Slide 9: Technology Transformation
Technology Transformation ❑ Focus on Digital lending ❑ Leveraging AI-based tools to boost efficiency across the lending process: ➢ Credit score ➢ Lead generation and conversion to sale ➢ Reduce loan application & processing time ❑ Company App – Cash My Salary – to penetrate deeper customer- base & i
Slide 10: Customer-Centric Approach
Customer-Centric Approach MSME Shopkeeper Woman Entrepreneur Retailer Digital Borrower Women SHG Group 16,000+ Customers Store Owner Business Owner Satisfied Customer
Slide 11: Geographical Presence
Geographical Presence TOTAL AUM (OWN) STATES COVERED BRANCHES HQ ₹345 Cr 4 24 (+1 in Q1FY27) Zirakpur As on 30th June 2026 Prominently North India Active Branches Punjab (RBI-Reg NBFC) PORTFOLIO CONCENTRATION 2.4% 2.6% 5.6% 18.4% 13.9% 17.7% 14.9% 24.4% Chandigarh Delhi Punjab UP Haryana Himachal Ut
Slide 12: 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 CIBIL Score ① Filter & Approve ≥ 650 ALM Framework Tenure Be
Slide 13: Key Performance Highlights – Q1 FY27
Key Performance Highlights – Q1 FY27 Secured Digital Lending Fund Aum Disbursement Loan Book Portfolio Raised ₹345.2 Cr ₹90.0 Cr ₹230.1 Cr ₹23.4 Cr ₹ 110 Cr Cash My Salary NCDs + Term Loan + 32.2 % QoQ + 65.8 % QoQ +44% QoQ Launched in Q1 FY27 Completed in FY27 + 89.8 % YoY + 224.5 % YoY ~5X YoY Tot
Slide 14: Management Comment
Management Comment Commenting on the performance, Mr. Sarfaraz Mallick, Co-Founder, WTD and CFO, Regency Fincorp Limited, said, “We have begun FY27 with strong momentum, reflecting the continued execution of our strategic priorities. During the quarter, we witnessed robust growth in our secured lend
Slide 15: Income Statement
Income Statement ₹ in Cr Particulars Q1 FY27 Q1 FY26 Y-o-Y Q4 FY26 Q-o-Q Total income 17.4 9.3 12.0 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% Employee Benefits Expense 1.2 1.3 1.2 Depreciation and Amortization Expense 0.2 0.2 0.2 Other E
Slide 16: Key Financial Metrics – Q1FY27 (1/2)
Key Financial Metrics – Q1FY27 (1/2) AUM Disbursement 345.2 23.4 28.2 63.5 90.0 Total AUM 261.2 39.7 230.1 95.7 27.7 46.6 Jun-25 Jun-26 Q1FY26 Q1FY27 Digital Lending Retail MSME Un-secured MSME Secured Average Yield & Cost of Funds Spread 5.1% 2.6% 4.1% 2.3% 2.7% 1.5% Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27
Slide 17: Key Financial Metrics (2/2)
Key Financial Metrics (2/2) ₹ in Cr Debt/Equity (x) NIM (%) 1.18 3.7% 0.76 1.8% Jun-25 Jun-26 Q1 FY26 Q1 FY27 Opex (% of Avg AUM) ROA & ROE (%) 7.9% 2.4% 2.4% 2.4% 1.9% 1.4% Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Numbers and Percentages have been rounded off to the nearest integer
Slide 18: Debt Profile
Debt Profile Total Debt Outstanding: ₹215 Cr (Jun’26) · D/E Ratio: 1.18x · CRAR: 49.8% Total Debt Outstanding: ₹169 Cr (Mar’26) · D/E Ratio: 1.05x · CRAR: 57.6% DCEABPTI TSAE LG M E VEONLTUBTRI OE A N K(D₹ OCW r )N ( J u n ’ 2 6 ) DEBT MIX BY SEGMENT Segment O/s (₹ Cr) % Mix 7% 13% TERM LOANS 15% TE
Slide 19: Key Highlights FY26
Key Highlights FY26 ₹ in Cr AUM Disbursements Total Income PAT NIMs FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 180 Cr 261 Cr 98 Cr 142 Cr 21 Cr 40 Cr 5 Cr 13 Cr 7.41% 10.26% GNPA NNPA Capital CRAR Branches ₹ Cr Mar’25 Mar’26 FY25 FY26 FY25 FY26 Equity 122 160 FY25 FY26 FY25 FY26 Debt 107 169
Slide 20: Annual Income Statement
Annual Income Statement Particulars (INR crores) FY26 FY25 Y-o-Y Total income 40.05 21.66 Finance Cost & Commission Expenses 12.44 8.72 Net Interest Income & Fee Income 27.61 12.95 113% Employee Benefits Expense 4.43 3.80 Depreciation and Amortization Expense 0.87 0.73 Other Expenses 2.68 1.52 Opera
Slide 21: Annual Balance Sheet
Annual Balance Sheet Particulars (INR crores) Mar’26 Mar’25 Particulars (INR crores) Mar’26 Mar’25 LIABILITIES ASSETS Financial Liabilities 155.75 104.54 Financial Assets 322.21 222.11 Debt Securities 55.93 7.48 Cash and cash equivalents 0.05 0.04 Borrowings (other than debt securities) 99.81 97.06
Slide 22: Building a ₹3,000 Crore AUM NBFC by FY30
Way Ahead - Vision Building a ₹3,000 Crore AUM NBFC by FY30 Empowering underserved MSMEs & communities across North & West India with accessible, ethical credit Technology-Led Capital Adequacy Building a scalable Financial Inclusion at Scale Geographic Expansion Underwriting Leadership Digital Platf
Slide 23: Thank You
Thank You Regency Fincorp Limited Investor Relations Advisors Adfactors PR [email protected] / Ms. Disha Shah / Mr. Vivek Sahu [email protected] [email protected] https://regencyfincorp.co.in/ [email protected] www.adfactorspr.com