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.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE964R01013/33bde192-7908-429f-b954-1345544b9e8f.pdf

Regency Fincorp Limited has uploaded the full transcript of its Investor/Analyst Conference Call held on July 21, 2026, to the Bombay Stock Exchange (BSE). The call discussed the company’s operational and financial performance for the quarter ended June 30, 2026 (Q1 FY27), providing stakeholders with detailed insights into management’s strategic direction and quarterly results.

Transcript Details

The earnings call was conducted on July 21, 2026, following the declaration of un-audited financial results for Q1 FY27. Management presentations were led by Gaurav Kumar Abrol, Managing Director, and Sarfaraz Mallick, Whole Time Director & Chief Financial Officer. The discussion covered the company’s shift towards secured lending, digital platform expansion, and funding strategies.

Key Discussion Points

During the call, management highlighted several key developments:

• Secured Lending Growth: The secured loan book increased by 44% from approximately ₹159 crore as of March 2026 to ₹230 crore as of June 2026.
• Digital Lending Launch: The company launched its digital lending platform, "Cash My Salary," building a portfolio of approximately ₹23 crore shortly after launch.
• Portfolio Mix Optimization: The share of unsecured lending was reduced from 26% to 18%, improving portfolio resilience.
• Financial Performance: Total income stood at ₹17.4 crore, an 86% year-on-year growth. Profit before tax was ₹9.4 crore, with profit after tax at ₹7.0 crore.
• Asset Quality: Gross NPA stood at 0.98% and net NPA at 0.74% as of June 30, 2026.
• Funding Initiatives: The company issued ₹50 crore in listed NCDs and raised an additional ₹50 crore through another NCD issuance during the quarter. It also secured a ₹10 crore term loan from a leading bank.

Access Information

The transcript is now available on the company’s official website and has been submitted to BSE Limited under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure was confirmed by Abhimanyu, Company Secretary & Compliance Officer.