Regency Fincorp Limited has approved a ₹30 crore issuance of Secured, Rated, Listed Non-Convertible Debentures (NCDs) to raise capital through private placement. The Board of Directors finalized the terms during its meeting on July 29, 2026, marking a significant step in the company's debt financing strategy while simultaneously noting the redemption of 95% of its earlier NCD tranche worth ₹23.75 crore.

The new issuance comprises 30,000 units with a face value of ₹10,000 each. The debentures will bear an interest rate of 14% per annum, payable monthly. Principal repayment is structured such that 99% of the amount is due at the end of the sixth month, with the remaining 1% due at maturity. The tenure of the instrument is set at 370 days from the deemed date of allotment.

Security and Trustee Arrangements

To safeguard investor interests, the outstanding principal and accrued interest will be secured by a first-ranking and exclusive charge providing a minimum security cover of 1.25x over the company's present and future receivables. These receivables must remain free from any encumbrance, charge, lien, or third-party security interest.

The company appointed Catalyst Trusteeship Limited as the Debenture Trustee for this issue. Credora Partners Private Limited was engaged as the Merchant Banker to facilitate the private placement process. Allotment will occur on the settlement date following the closure of bidding time via an Electronic Book Provider (EBP), in compliance with SEBI Master Circular dated October 15, 2025.

Key Terms of the NCD Issue

The following table summarises the key parameters of the NCD issuance:

In addition to the new issuance, the Board noted the redemption of 95% of previously issued Secured, Rated, Listed NCDs carrying ISIN INE964R07051. This older tranche had a face value of ₹1 lakh per unit and aggregated to ₹23.75 crore. The redemption was executed in accordance with the original terms and conditions of that issue.

Default Provisions

The filing outlines strict penalties for payment delays. In the event of a default in payment of interest or principal for more than three months from the due date, a penalty interest of 2% per annum over and above the coupon rate will be levied. No special rights, interests, or privileges were attached to these instruments beyond the standard security provisions.

This disclosure was made pursuant to Regulation 30 read with Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and SEBI Circular No. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026.

Regency Fincorp Limited has received approval from BSE Limited for the listing of its privately placed Non-Convertible Debentures (NCDs) on the Debt Market Segment. This development allows the company’s debt instruments to trade on the exchange, providing liquidity and transparency for investors holding these privately placed securities. The approval marks a procedural milestone in the post-allotment process for the instrument.

The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Regency Fincorp informed the Listing Department of BSE Limited that the exchange had granted the necessary permission vide Notice No. 20260727-20 dated July 27, 2026. The notice is publicly available on the BSE website.

Listing Details

The key details of the regulatory filing are as follows:

Abhimanyu, Company Secretary & Compliance Officer at Regency Fincorp Limited, signed the disclosure. He holds Membership No. 49176 with the Institute of Company Secretaries of India. The company’s Corporate and Registered Office is located at SCO 6, Upper Ground Floor LA MER, PR-7, Airport Road, Zirakpur, Punjab.

Regency Fincorp Limited, formerly known as Regency Investments Limited, carries CIN L67120PB1993PLC013169. The company operates in the financial services sector, with its primary business activities centered around investment and financing solutions. The listing of these NCDs on the Debt Market Segment ensures that the securities comply with ongoing disclosure requirements mandated by the Securities and Exchange Board of India (SEBI).

What This Means for Investors

The approval enables the trading of these privately placed NCDs on the BSE Debt Market Segment. Investors who hold these debentures can now access the exchange platform for potential liquidity, subject to the specific terms and conditions of the private placement. The move aligns with regulatory norms requiring listed entities to facilitate market access for their debt instruments where applicable. Stakeholders can monitor further developments through official communications from the company and the exchange.