The Board of Directors of Regency Fincorp , at their meeting held on May 8, 2026, approved the issuance of 1,000 units of Secured, Rated, Listed, Non-Convertible Debentures (NCDs) on a private placement basis. The total issuance aggregates to INR 10,00,00,000 (Indian Rupees Ten Crores Only), with each NCD carrying a face value of INR 1,00,000 (Indian Rupees One Lakh Only). The disclosure was made pursuant to Regulation 30 read with Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Key Details of the NCD Issuance

The following table summarises the key parameters of the approved NCD issuance as disclosed by Regency Fincorp:

Security and Charge Structure

The NCDs are secured by a charge over the company's assets. The security structure includes:

• 1.25x exclusive charge by way of hypothecation over receivables (performing loans)
• First ranking pari-passu charge over current and fixed assets, both present and future, in the event the security cover through exclusive charge on receivables drops below 1.25x of the outstanding Facility

In the event of delay in payment of interest or principal for a period of more than three months from the due date, a penal rate of 2% per annum over and above the Coupon Rate shall be applicable.

Trustee Appointment

Alongside the NCD issuance approval, the board also approved the appointment of Catalyst Trusteeship Limited as Trustee for the issuance of the 1,000 NCD units. The allotment of NCDs shall be carried out in compliance with Master Circular SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025, through the Electronic Book Provider (EBP) mechanism.

Regulatory Compliance

The disclosures were made in accordance with Regulation 30 read with Clause 2 of Para A of Part A of Schedule III of the SEBI Listing Regulations, as well as SEBI Circular No. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026. The board meeting concluded at 3:50 P.M. on May 8, 2026, and the disclosure was submitted to the Listing Department of BSE Limited.

Source: None/Company/INE964R01013/01aeebd9-427a-4bd1-9544-ad2871de9b6f.pdf

Regency Fincorp Limited announced its audited consolidated financial results for the quarter and financial year ended March 31, 2026, reporting a significant surge in profitability and asset growth. The board meeting, held on May 6, 2026, approved the standalone and consolidated results, which highlighted a robust performance driven by business expansion and operational efficiency. Subsequently, the company intimated that these audited financial results were published in newspapers, specifically “Desh Sevak- Chandigarh Edition” and “Financial Express- Chandigarh Edition”, on May 8, 2026, pursuant to Regulation 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

FY26 Financial Performance

The company reported a 170% year-on-year increase in Profit After Tax (PAT) for FY26, reaching ₹13.4 crore compared to ₹5.0 crore in the previous year. Total income for the year rose by 85% to ₹40.1 crore, while Net Interest Income (NII) grew by 113% to ₹27.6 crore. Pre-provisioning operating profit saw a substantial jump of 185% to ₹19.6 crore. For the fourth quarter of FY26, PAT increased by 37% to ₹3.5 crore, while total income stood at ₹12.0 crore, up 43% from the same period last year.

The following table summarises key performance metrics across Q4 and full-year FY26:

Asset Quality and Growth Metrics

Regency Fincorp's Assets Under Management (AUM) expanded by 45% to ₹261.2 crore in FY26 from ₹180.2 crore in FY25. Disbursements for the year grew by 43% to ₹142.1 crore. The Net Interest Margin (NIM) improved by 285 basis points to 10.3%, while Return on Assets (ROA) and Return on Equity (ROE) stood at 12.3% and 16.7%, respectively. Asset quality showed a Gross NPA (GNPA) of 0.99% and Net NPA (NNPA) of 0.74% as of March 31, 2026.

Strategic Fundraising and Capital Augmentation

The board approved the issuance of call letters to holders of convertible share warrants allotted on December 28, 2024, for the balance 75% of the issue price. The company raised ₹25 crore through the issuance of Compulsorily Convertible Debentures (CCDs) in April-May 2026 to expand its digital lending and secured MSME book. The company further strengthened its balance sheet through multiple capital initiatives, with NCD issuances of approximately ₹25 crore in January 2026, approximately ₹30 crore in March 2026, and an additional ₹30 crore NCD issuance in the first week of May 2026. Equity expansion through warrant conversion increased paid-up capital to approximately ₹80 crore. The board also approved raising up to ₹400 crore through NCDs to support future growth.

Operational Highlights and MD Commentary

The company is focusing on digital initiatives with its app 'CashMySalary' and plans to launch a digital wallet called 'RegPay', having received a No Objection Certificate (NOC) from the RBI for Prepaid Payment Instruments (PPI). The statutory auditors, M/s K N S G & Co LLP, issued an unmodified opinion on the financial results. The company reported zero defaults across all borrowing categories, with total financial indebtedness standing at ₹61.85 crore.

Commenting on the performance, Gaurav Kumar, Managing Director, Regency Fincorp Limited, said: "Our performance in FY26 reflects the strength of our business fundamentals and our continued commitment to building a robust and customer-focused financial services platform. Despite a dynamic operating environment, we have maintained growth momentum while ensuring portfolio quality and operational discipline. The Company recently raised INR 25 crore through the issuance of CCDs. The proceeds will be utilised towards strengthening our digital lending capabilities and expanding our secured MSME portfolio. Through products such as CashMySalary and RegPay, we aim to leverage our digital and AI capabilities to grow the digital lending portfolio as well as improve overall operational efficiencies."