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.

Regency Fincorp Limited has allotted 40,000 secured non-convertible debentures (NCDs) aggregating ₹40 crore on July 23, 2026. The instruments carry a coupon rate of 14.00% per annum and were issued on a private placement basis to identified investors, including RNB Corporate Services Private Limited and L C Capital India Private Limited. The allotment committee approved the issuance, which is listed on BSE Limited, to raise capital for the company's operations.

Issue Details

The NCDs have a face value of ₹10,000 each and a tenor of 12 months 5 days, maturing on July 28, 2027. Interest is payable monthly, while the principal repayment is structured in two installments: 95% at the end of the 6th month and the remaining 5% at maturity. The security cover for the debentures is set at 1.25 times the outstanding amounts, secured by way of hypothecation over receivables (performing loans).

In the event of a delay in payment exceeding three months, the company will pay an additional penalty of 5% per month over the coupon rate on the outstanding principal amount for the period of default. The disclosure was made pursuant to Regulation 30 of the SEBI Listing Regulations.