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Regency Fincorp Ltd

REGENCY

BSE

₹66.97+0.57%19 Oct 2026 at 3:29 PM

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NBFC Others

Regency Fincorp Ltd

REGENCY

BSE

₹66.97

+0.57%

19 Oct 2026 at 3:29 PM

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NBFC Others

Indices

Business Overview: What the company does, in plain English.Growth Catalysts: The forward growth drivers and triggers.Guidance Report: Management guidance vs outcomes.Forensic Report: Accounting quality and red flags.Deep Dive Report: In-depth business analysis.

Regency Fincorp Ltd is a North India-focused lending company that provides credit to the people and small businesses mainstream banks often overlook - micro-enterprises, shopkeepers, traders, and salaried workers needing a bridge between paychecks. Originally incorporated in 1993 as an investment company, it was taken over by the current management around 2016-17, renamed in 2020, and refocused into a disciplined lending platform that prioritises portfolio quality over a race for growth. The recurring approach is to lend against what it can see and secure - property, a salary slip, or a group guarantee - while building a technology backbone that moves the business from a people-intensive branch model toward data-driven decisions.

Business segments

Three lending engines at different stages of maturity - a secured MSME book that is rapidly becoming the dominant anchor, a micro-credit vehicle for women’s groups, and a fledgling digital salary-advance platform - all built on an in-house sourcing model that keeps customer relationships under the company’s own roof.

1. Secured MSME lending: the portfolio’s new anchor

The company is deliberately tilting its loan book toward loans backed by property, making the business safer and stickier while running down unsecured corporate exposure.

Lending against property, not promises - MSME Secured Loans, which are backed by property, grew from 18% of the total loan book in FY2025 to roughly 61% by March 2026, and the company’s stated goal is to take that share above 75%. The average ticket size sits between ₹35 lakh and ₹45 lakh, with borrowers repaying monthly over two to five years.
No middlemen in sourcing - every single borrower is found by the company’s own direct sales team across its 23 branches, with no outside agents or direct-selling associates (DSAs) involved, which keeps control over who enters the book.
Underwriting by cash flow, not just collateral - loan decisions use data-driven tools that look at banking behaviour, transaction patterns, and GST records alongside the traditional CIBIL score (minimum 650), so the company lends to businesses it can read, not just businesses with assets.
Concentrated where the customers are - the branch network operates in four states, with the heaviest presence in Chandigarh, Delhi, Punjab, and Uttar Pradesh - areas dense with MSMEs and a strong repayment culture. Each branch can disburse roughly ₹2 to ₹2.5 crores a month.
Pricing for loyalty, not just yield - management intends to lend at 15-16% as its own cost of funds falls, deliberately choosing a lower rate to build a sticky customer base rather than charging 20-22% and risking churn.

2. Micro-credit: group lending to working women

Small-ticket loans to women organised in joint liability groups serve as a financial-inclusion engine, though they now make up a modest slice of the book.

Group guarantee replaces collateral - loans of ₹30,000 to ₹35,000 are given to working women in Joint Liability Groups (JLGs), where the group stands behind each member, so the company can lend unsecured to borrowers with no formal credit history.
Used for livelihoods, not consumption - the credit is deployed mainly in agriculture, allied activities, and small businesses, meaning it funds income-generating activity rather than household spending.
A legacy engine, now a smaller piece - JLG loans made up about 10.7% of the total loan book as of March 2026, down from a more prominent role when the company entered the segment around 2018-19.

3. Digital lending: a salary-advance app with wallet ambitions

A proprietary mobile app offers short-duration credit to salaried individuals, and the company has secured a prepaid-payment licence to build a broader digital ecosystem around it.

Earned-wage access, not a traditional loan - the “Cash My Salary” app gives salaried workers instant credit of ₹50,000 to ₹60,000 against their upcoming pay, repayable within six to nine months, so the product behaves like a liquidity bridge rather than a long-term loan.
A wallet licence opens the funnel - the company plans to obtain a Prepaid Payment Instrument (PPI) licence for its “RegPay” wallet, which would let it integrate UPI payments, capture transaction data, and use that data to generate credit leads from a borrower’s own supplier and customer network.
Still a sliver of the book - digital lending accounted for just 1.9% of the total loan book as of March 2026, making it a small but strategically placed bet on a full-stack digital platform for India’s emerging workforce.

Group structure and partners

Regency Fincorp is a standalone NBFC with a newly created subsidiary, a growing lender base, and a green-bond initiative that sits outside its core lending operations.

A single subsidiary, recently formed - in December 2025, the company incorporated Regency Fin Technology Limited as a wholly owned subsidiary to carry out activities auxiliary to financial services, subscribing to its entire share capital for ₹10 lakh. Before that, the company had no subsidiaries or joint ventures.
A green-bond project for telecom towers - a Green Bond Committee has identified a project to install hybrid renewable-energy systems (wind, solar, and battery storage) across 100 telecom tower sites in Maharashtra, to be implemented by Cosmos Power Technologies Limited, though this sits apart from the company’s own lending business.

Quick Ratios

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

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Peer Comparison

Quick Ratios

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Peer Comparison

Price

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Mkt Cap

Market Capitalization

₹595Cr

Close Price

₹66.97

Industry

NBFC Others

Price To Earnings

42.12

Price To Sales

17.27

Revenue

₹34Cr

Rev Gr TTM

Revenue Growth TTM

—

PAT Gr TTM

PAT Growth TTM

—

Consolidated

Standalone

Numbers

Percentage

Quarter	Mar 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	7	9	10	16
Growth YoY Revenue Growth YoY%			40.8
Interest Expended Interest ExpendedCr	2	3	3	5
Expenses ExpensesCr	3	2	4	3
Financing Profit Financing ProfitCr	3	4	3	8
FPM FPM%	35.8	49.7	30.7	51.7
Other Income Other IncomeCr	1	1	2	1
Depreciation DepreciationCr	0	0	0	0
PBT PBTCr	4	5	5	9
Tax TaxCr	1	1	1	2
PAT PATCr	3	3	4	7
Growth YoY PAT Growth YoY%			36.3
NPM NPM%	35.5	39.4	34.3	43.6
EPS EPS₹	0.4	0.4	0.4	0.8

Quarter	Mar 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	7	9	10	16
Growth YoY Revenue Growth YoY%			40.8
Interest Expended Interest ExpendedCr	2	3	3	5
Expenses ExpensesCr	3	2	4	3
Financing Profit Financing ProfitCr	3	4	3	8
FPM FPM%	35.8	49.7	30.7	51.7
Other Income Other IncomeCr	1	1	2	1
Depreciation DepreciationCr	0	0	0	0
PBT PBTCr	4	5	5	9
Tax TaxCr	1	1	1	2
PAT PATCr	3	3	4	7
Growth YoY PAT Growth YoY%			36.3
NPM NPM%	35.5	39.4	34.3	43.6
EPS EPS₹	0.4	0.4	0.4	0.8

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2025	Mar 2026
Revenue RevenueCr	20	34
Growth Revenue Growth%		72.7
Interest Expended Interest ExpendedCr	8	10
Expenses ExpensesCr	6	11
Financing Profit Financing ProfitCr	6	14
FPM FPM%	28.7	39.2
Other Income Other IncomeCr	2	6
Depreciation DepreciationCr	1	1
PBT PBTCr	7	18
Tax TaxCr	2	5
PAT PATCr	5	13
Growth PAT Growth%		169.7
NPM NPM%	24.9	38.9
EPS EPS₹	0.8	1.7

Financial Year	Mar 2025	Mar 2026
Revenue RevenueCr	20	34
Growth Revenue Growth%		72.7
Interest Expended Interest ExpendedCr	8	10
Expenses ExpensesCr	6	11
Financing Profit Financing ProfitCr	6	14
FPM FPM%	28.7	39.2
Other Income Other IncomeCr	2	6
Depreciation DepreciationCr	1	1
PBT PBTCr	7	18
Tax TaxCr	2	5
PAT PATCr	5	13
Growth PAT Growth%		169.7
NPM NPM%	24.9	38.9
EPS EPS₹	0.8	1.7

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	64	80
Reserves ReservesCr	41	74
Borrowings BorrowingsCr	105	156
Other Liabilities Other LiabilitiesCr	20	20
Total Liabilities Total LiabilitiesCr	229	330
Fixed Assets Fixed AssetsCr	6	6
Cash Equivalents Cash EquivalentsCr	46	51
Other Assets Other AssetsCr	178	272
Total Assets Total AssetsCr	229	330

Financial Year	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	64	80
Reserves ReservesCr	41	74
Borrowings BorrowingsCr	105	156
Other Liabilities Other LiabilitiesCr	20	20
Total Liabilities Total LiabilitiesCr	229	330
Fixed Assets Fixed AssetsCr	6	6
Cash Equivalents Cash EquivalentsCr	46	51
Other Assets Other AssetsCr	178	272
Total Assets Total AssetsCr	229	330

Consolidated

Standalone

Financial Year	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	11	27
Investing Cash Flow Investing Cash FlowCr	-48	-87
Financing Cash Flow Financing Cash FlowCr	68	66
Net Cash Flow Net Cash FlowCr	31	6
Free Cash Flow Free Cash FlowCr	11	25
CFO To EBITDA CFO To EBITDA%	199.3	199.4

Financial Year	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	11	27
Investing Cash Flow Investing Cash FlowCr	-48	-87
Financing Cash Flow Financing Cash FlowCr	68	66
Net Cash Flow Net Cash FlowCr	31	6
Free Cash Flow Free Cash FlowCr	11	25
CFO To EBITDA CFO To EBITDA%	199.3	199.4

Consolidated

Standalone

Financial Year	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	179	194	595
Price To Earnings Price To Earnings	36.1	14.5	42.1
Price To Sales Price To Sales	8.4	5.0	17.3
Price To Book Price To Book	1.7	1.3	3.4
EV To EBITDA EV To EBITDA	41.7	22.1	51.5
Profitability Ratios Profitability Ratios
FPM FPM%	28.6	39.2	39.2
NPM NPM%	24.9	38.9	38.9
ROCE ROCE%	7.0	9.2	9.2
ROE ROE%	4.8	8.7	8.7
ROA ROA%	2.2	4.1	4.1
Solvency Ratios Solvency Ratios

Financial Year	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	179	194	595
Price To Earnings Price To Earnings	36.1	14.5	42.1
Price To Sales Price To Sales	8.4	5.0	17.3
Price To Book Price To Book	1.7	1.3	3.4
EV To EBITDA EV To EBITDA	41.7	22.1	51.5
Profitability Ratios Profitability Ratios
FPM FPM%	28.6	39.2	39.2
NPM NPM%	24.9	38.9	38.9
ROCE ROCE%	7.0	9.2	9.2
ROE ROE%	4.8	8.7	8.7
ROA ROA%	2.2	4.1	4.1
Solvency Ratios Solvency Ratios

	MANBA	IFINSEC	UCIL	REGENCY	LAXMIINDIA	UYFINCORP	PURPLEFIN
Market CapitalizationMkt CapCr	721	715	616	595	554	458	456
Close PriceClose₹	143.59	245.00	139.20	66.97	105.80	24.05	67.95
IndustryIndustry	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others
Price To EarningsPE	14.77	18.27	7.03	42.12	9.59	7.38
Price To SalesPS	2.04	7.55	1.01	17.27	1.63	2.16	7.92
RevenueRevenueCr	354	95	609	34	341	212	58
Revenue Growth TTMRev Gr TTM%	31.7%	29.4%	221.5%		28.8%	118.0%	204.7%
PAT Growth TTMPAT Gr TTM%	15.3%	21.7%	148.9%		44.4%	390.7%	92.5%

	MANBA	IFINSEC	UCIL	REGENCY	LAXMIINDIA	UYFINCORP	PURPLEFIN
Market CapitalizationMkt CapCr	721	715	616	595	554	458	456
Close PriceClose₹	143.59	245.00	139.20	66.97	105.80	24.05	67.95
IndustryIndustry	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others	NBFC Others
Price To EarningsPE	14.77	18.27	7.03	42.12	9.59	7.38
Price To SalesPS	2.04	7.55	1.01	17.27	1.63	2.16	7.92
RevenueRevenueCr	354	95	609	34	341	212	58
Revenue Growth TTMRev Gr TTM%	31.7%	29.4%	221.5%		28.8%	118.0%	204.7%
PAT Growth TTMPAT Gr TTM%	15.3%	21.7%	148.9%		44.4%	390.7%	92.5%

FY2026

FY2025

FY2024

FY2023

FY2022

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FY2026

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