Regency Fincorp Limited announced strong unaudited financial results for the quarter ended December 31, 2025, following board approval at their meeting held on February 2, 2026. The NBFC demonstrated exceptional operational efficiency with profit after tax surging 230.7% year-on-year to ₹340.44 lacs, showcasing remarkable growth momentum across all key performance indicators.

Board Meeting and Regulatory Compliance

The Board of Directors convened on February 2, 2026, from 4:00 PM to 6:30 PM via video conferencing to consider and approve the unaudited financial results. The meeting was conducted in compliance with Regulation 30 of SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. The company submitted the required disclosures to BSE Limited along with the statutory auditor's limited review report.

Financial Performance Highlights

The company delivered impressive financial results for Q3 FY26, with total income reaching ₹914.48 lacs compared to ₹539.08 lacs in the corresponding quarter of the previous year, representing a robust growth of 69.6%. Revenue from operations increased substantially to ₹862.57 lacs from ₹515.70 lacs in Q3 FY25.

Quarter-on-Quarter Performance Analysis

The company maintained strong sequential growth momentum with profit after tax improving to ₹340.44 lacs in Q3 FY26 from ₹332.18 lacs in Q2 FY26. Total income reached ₹914.48 lacs compared to ₹954.10 lacs in the previous quarter, while maintaining consistent profitability margins.

Revenue Stream Analysis

Interest income, the primary revenue driver, increased significantly to ₹821.77 lacs in Q3 FY26 from ₹499.69 lacs in Q3 FY25. Fees and commission income also showed strong growth, rising to ₹40.80 lacs from ₹16.01 lacs year-on-year. Other income contributed ₹51.91 lacs during the quarter compared to ₹23.37 lacs in the previous year.

Financial Ratio Performance

The company demonstrated improved financial health across key metrics. Current ratio strengthened to 2.84 from 2.25, while debt equity ratio improved to 0.36 from 0.40. Return on equity ratio surged to 12.33% from 7.82%, and net profit ratio increased significantly to 40.87% from 24.93%. The Capital Risk Adequacy Ratio (CRAR) improved to 70.38% from 64.35%.

Nine-Month Performance

For the nine months ended December 31, 2025, the company reported total income of ₹2,803.04 lacs compared to ₹1,325.00 lacs in the corresponding period last year. Profit after tax for the nine-month period reached ₹988.33 lacs against ₹238.87 lacs in the previous year, marking substantial growth in profitability.

Capital Strengthening Initiatives

The company successfully completed warrant conversions during the quarter, raising significant capital through preferential issues. On October 17, 2025, the company received ₹6,74,21,680 from conversion of 4086162 share warrants. Additionally, on December 20, 2025, another ₹10,92,33,316.50 was raised through conversion of 6620201 share warrants. The paid-up equity share capital increased to ₹8,017.11 lacs from ₹4,795.05 lacs in the corresponding quarter last year.

Regency Fincorp Limited has announced that its board of directors will convene on February 2, 2026, through video conferencing to deliberate on crucial financial matters and strategic initiatives. The meeting, scheduled under Regulation 29 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, will address multiple significant agenda items that could impact the company's financial structure and growth trajectory.

Key Agenda Items

The board meeting will focus on four primary areas of consideration, each carrying substantial implications for the company's operations and capital structure.

Non-Convertible Debentures Proposal

The most significant item on the agenda involves the proposed issuance of non-convertible debentures worth INR 75,00,00,000. These debentures will be structured as secured, rated, and listed instruments, offering investors a debt investment option with specific characteristics. The company plans to execute this issuance on a private placement basis, providing flexibility to complete the offering in one or more tranches based on market conditions and investor demand.

Supporting Infrastructure for NCD Issuance

To facilitate the proposed debenture issuance, the board will consider appointing essential service providers. The agenda includes the selection and approval of a credit rating agency, which will assess and rate the proposed NCDs to provide investors with an independent evaluation of the investment risk. Additionally, the board will deliberate on appointing a debenture trustee, who will serve as a fiduciary representative for debenture holders and ensure compliance with the terms and conditions of the issuance.

Quarterly Financial Results Review

The board will also review and approve the unaudited financial results for the quarter ended December 31, 2025, along with the accompanying limited review report. This quarterly assessment will provide stakeholders with insights into the company's financial performance during Q3FY26 and its operational efficiency during this period.

Corporate Compliance and Communication

The meeting notification was issued on January 28, 2026, by Company Secretary and Compliance Officer Abhimanyu (Membership No. 49176), ensuring proper regulatory compliance. The company, formerly known as Regency Investments Limited, operates under CIN L67120PB1993PLC013169 and maintains its corporate and registered office in Zirakpur, Punjab. The formal communication to BSE Limited demonstrates the company's commitment to maintaining transparency and adhering to listing obligations under current securities regulations.