Regency Fincorp Reports Strong Financial Performance for Q4 & FY26, Driven by Business Expansion and Operational Efficiency
Mumbai : Regency Fincorp Limited, a leading NBFC focused on providing accessible and customer-centric financial solutions, announced its financial results for the quarter ended, reporting resilient performance backed by portfolio expansion, disciplined risk management, and continued focus on customer growth.
Key Performance Metrics:
| Particulars (INR crores) | Q4 FY26 | Q4 FY25 | Y-o-Y | FY26 | FY25 | Y-o-Y |
| Total Income | 12.0 | 8.4 | 43% | 40.1 | 21.7 | 85% |
| Finance Cost & Commission Expenses | 4.5 | 2.1 | 112% | 12.4 | 8.7 | 43% |
| Net Interest Income & Fee Income | 7.5 | 6.3 | 20% | 27.6 | 12.9 | 113% |
| Pre-Provisioning Operating Profit | 5.1 | 3.7 | 39% | 19.6 | 6.9 | 185% |
| Profit After Tax | 3.5 | 2.6 | 37% | 13.4 | 5.0 | 170% |
| Particulars (INR crores) | FY26 | FY25 | Y-o-Y |
| AUM | 261.2 | 180.2 | 45% |
| Disbursement | 142.1 | 98.7 | 43% |
| NIM | 10.3% | 7.4% | 285 bps |
| ROA | 12.3% | 10.6% | 174 bps |
| ROE | 16.7% | 7.8% | 892 bps |
| GNPA | 0.99% | 0.42% | 57 bps |
| NNPA | 0.74% | 0.31% | 43 bps |
FY26 Performance Highlights:
Sustained Business Momentum:
Delivered strong growth across lending verticals during the year, supported by enhanced customer outreach, deeper penetration in priority markets, and continued focus on operational efficiencies.
Strengthened MSME & Retail Franchise:
Further consolidated presence in MSME and retail financing segments through calibrated expansion into underserved and high-potential borrower segments.
Disciplined Risk & Portfolio Quality:
Maintained prudent underwriting standards and a conservative approach to credit selection, ensuring stability in asset quality alongside business growth.
Fund raise through CCD – Company raised Rs. 25 crores through fresh issue of compulsory convertible debentures in April-May 2026 – to expand Digital lending and secured MSME book
Focus on Digital:
Regency’s own app – CashMySalary
Company planning to launch digital wallet – RegPay
Received NOC from RBI for PPI
Capital Base Augmentation:
Strengthened the balance sheet through multiple capital initiatives, including:
~₹25 crore raised via NCD issuance (January 2026)
~₹30 crore NCD issuance approved via private placement (March 2026)
Issue of additional ₹30 crore NCD in first week of May 2026
Equity expansion through warrant conversion, increasing paid-up capital to ~₹80 crore
Strong Funding Visibility:
Board approval to raise up to ₹400 crore through NCDs provides a robust pipeline to support future growth and scale.
Positioned for Scalable Growth:
With an enhanced capital base and improving operating leverage, the Company is well- positioned to accelerate expansion across MSME and digital lending segments.
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. Going forward, we remain focused on scaling our operations, deepening market presence, and delivering sustainable value to all stakeholders. 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.”
