Regency Fincorp allots ₹15 Cr NCDs at 13% coupon
Regency Fincorp Limited allotted 15,000 secured NCDs aggregating ₹15 crore at a 13% coupon rate on June 19, 2026. The 30-month instruments, listed on BSE, involve principal repayment in three tranches and a 3% monthly penalty for delays.
*this image is generated using AI for illustrative purposes only.
Regency Fincorp Limited has allotted 15,000 secured, rated, redeemable Non-Convertible Debentures (NCDs) aggregating ₹15 crore on a private placement basis to identified investors. The NCDs carry a coupon rate of 13% per annum and have a tenor of 30 months, maturing on December 19, 2028. The securities will be listed on BSE Limited, providing liquidity to the allottees.
The Allotment Committee of the company approved the issuance in its meeting held on June 19, 2026. The instrument carries a face value of ₹10,000 each and is secured by a 1.35x exclusive charge by way of hypothecation over receivables, specifically performing loans. Additionally, a first ranking pari-passu charge over current and fixed assets is applicable if the security cover drops below 1.35x of the outstanding facility.
The principal repayment is structured in three tranches: 30% at the end of the 18th month, 30% at the end of the 24th month, and the remaining 40% at maturity. Interest payments will be made monthly. In the event of a delay in payment of interest or principal for more than three months, a penalty of 3% per month will be levied on the overdue amount until actual payment.
The two allottees identified for this private placement are Infixin Technologies Private Limited and Eshiruss Financial Consultants Private Limited (formerly known as Asvanta Financial Consultants Private Limited). The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Key Details of the Allotment
| Particulars | Details |
|---|---|
| Issuer | Regency Fincorp Limited |
| Type of Securities | 13% Listed, Secured, Rated, Redeemable NCDs |
| Issue Size | ₹15,00,00,000 (₹15 Crore) |
| Total Number of Securities Allotted | 15,000 |
| Face Value | ₹10,000 per NCD |
| Tenor | 30 Months |
| Date of Allotment | June 19, 2026 |
| Date of Maturity | December 19, 2028 |
| Listing | BSE Limited |
Coupon and Principal Repayment Schedule
| Event | Date | Principal Amount (₹) |
|---|---|---|
| Principal Inflow | 19-06-2026 | 10,000 |
| 18th Coupon and Principal | 19-12-2027 | 3,000 |
| 24th Coupon and Principal | 19-06-2028 | 3,000 |
| 30th Coupon and Principal | 19-12-2028 | 4,000 |
Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE964R01013/b6f11dad-c457-4105-955e-dcd200d8d7b0.pdf
Historical Stock Returns for Regency Fincorp
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +1.66% | +5.07% | +11.31% | +10.72% | +27.95% | +483.08% |
How will the 13% coupon rate impact Regency Fincorp's interest coverage ratio and overall debt servicing costs over the next 30 months?
What specific capital deployment strategies will Regency Fincorp pursue with the ₹15 crore raised, and how will this drive future revenue growth?
Will the successful private placement and BSE listing improve the company's credit rating and access to capital for future debt issuances?
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