Regency Fincorp Q1 net profit jumps 123% to ₹7 crore
Regency Fincorp Limited reported a 123% year-on-year increase in standalone net profit to ₹7.0 crore for Q1FY27, with total income rising 86.5% to ₹17.4 crore. The growth was driven by higher net interest and fee income, alongside a significant expansion in assets under management to ₹345.2 crore. The company also reduced unsecured loan exposure and launched its digital lending platform, Cash My Salary.
*this image is generated using AI for illustrative purposes only.
Regency Fincorp Limited reported a standalone net profit of ₹7.0 crore for the quarter ended June 30, 2026, a 123% increase from ₹3.2 crore in the corresponding period of the previous year. Total income for the quarter stood at ₹17.4 crore, up 86.5% from ₹9.3 crore in Q1FY26, primarily driven by a surge in net interest income and fee income. The board of directors approved the unaudited standalone and consolidated financial results for the period during a meeting held on July 20, 2026.
The company's assets under management (AUM) grew to ₹345.2 crore from ₹181.9 crore year-on-year, while disbursements increased to ₹90.0 crore from ₹27.7 crore. The secured loan book expanded by 45% quarter-on-quarter to approximately ₹230.1 crore as of June 2026, supported by the strategic reduction of unsecured loan exposure from 26% to 18% of the portfolio. Additionally, the company launched its digital lending platform, Cash My Salary, building a digital loan portfolio of approximately ₹23.4 crore within the first quarter.
Key Financial Metrics (Consolidated)
| Particulars (₹ crore) | Q1FY27 (Unaudited) | Q1FY26 (Unaudited) | Y-o-Y |
|---|---|---|---|
| Total Income | 17.4 | 9.3 | 86.5% |
| Net Interest Income & Fee Income | 12.0 | 6.9 | 73.9% |
| Profit After Tax | 7.0 | 3.2 | 122.6% |
Operational Metrics
| Particulars | Q1FY27 | Q1FY26 |
|---|---|---|
| AUM (₹ crore) | 345.2 | 181.9 |
| Disbursement (₹ crore) | 90.0 | 27.7 |
| Net Interest Margin | 3.7% | 1.8% |
| Return on Assets | 1.9% | 1.4% |
| Gross NPA | 0.98% | 0.40% |
| Net NPA | 0.74% | 0.30% |
Capital Raising and Funding
The board approved the issuance of secured, rated, listed, non-convertible debentures (NCDs) aggregating up to ₹25 crore on a private placement basis. The company has successfully raised ₹110 crore through listed NCDs and term loans from banks during FY27 to date to strengthen liquidity. The total financial indebtedness of the listed entity was reported at ₹215.37 crore as of June 30, 2026.
Historical Stock Returns for Regency Fincorp
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.46% | -0.18% | +9.40% | +42.65% | +61.43% | +570.51% |
How will the strategic shift towards secured loans impact the company's risk profile and yield margins over the next fiscal year?
What is the projected growth trajectory for the 'Cash My Salary' digital platform, and will it drive further reduction in unsecured loan exposure?
Can the current Net Interest Margin of 3.7% be sustained as the company scales its AUM and integrates new bank funding?
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