REGENCY FINCORP LIMITED

About

Regency Fincorp Limited operates as a non-banking financial company in India. It offers micro business/personal loans, merchant financing, MSME loans, and women entrepreneurs' loans, as well as loans against property. The company also provides short-term loans for purchasing inventory, business expansion, plant and machinery, display panels, and office furniture and automation, as well as mining equipment loans. It serves households, as well as micro, small, and medium enterprises. The company was formerly known as Regency Investments Limited. The company was incorporated in 1993 and is headquartered in Mohali, India.

Quarterly Results

Rs. Crores · hover row for definition

Metric	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023
Sales	16.14	10.28	8.63	7.80	7.76	7.30	5.16	4.01	3.49	3.84	4.08	3.96	3.40
Expenses	2.73	4.18	1.84	2.24	2.42	2.67	1.27	1.30	1.00	1.04	0.79	0.91	0.62
Operating Profit	13.41	6.10	6.79	5.56	5.34	4.63	3.89	2.71	2.49	2.80	3.29	3.05	2.78
OPM %	83.09	59.34	78.68	71.28	68.81	63.42	75.39	67.58	71.35	72.92	80.64	77.02	81.76
Other Income	1.29	1.74	0.52	1.75	1.58	1.11	0.23	0.20	0.16	0.21	0.11	0.12	0.02
Depreciation	0.24	0.20	0.21	0.22	0.24	0.22	0.17	0.17	0.17	0.23	0.25	0.21	0.16
Interest	5.07	2.94	2.51	2.55	2.28	2.02	2.57	1.66	1.75	1.86	2.44	2.40	2.27
Profit before tax	9.39	4.70	4.59	4.54	4.40	3.50	1.38	1.08	0.73	0.92	0.71	0.56	0.37
Tax %	25.13	24.68	25.93	26.87	28.18	26.29	25.36	25.93	26.03	18.48	25.35	26.79	27.03
Net Profit	7.03	3.53	3.40	3.32	3.16	2.59	1.03	0.80	0.54	0.75	0.53	0.42	0.27
EPS in Rs	0.79	0.44	0.42	0.48	0.45	0.41	0.21	0.18	0.12	0.20	0.15	0.12	0.25

Profit & Loss

Annual · Rs. Crores

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Sales	34.00	21.00	16.00	14.00	5.00	5.00	4.00	2.00	1.00	0.00	1.00	0.00
Expenses	11.00	6.00	3.00	2.00	2.00	2.00	1.00	1.00	0.00	0.00	0.00	0.00
Operating Profit	24.00	16.00	13.00	11.00	4.00	3.00	3.00	1.00	0.00	0.00	0.00	0.00
OPM %	69.00	73.00	82.00	82.00	71.00	61.00	72.00	62.00	67.00	71.00	91.00	12.00
Other Income	6.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	10.00	8.00	9.00	9.00	3.00	2.00	2.00	1.00	0.00	0.00	0.00	0.00
Depreciation	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	18.00	7.00	3.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00
Tax %	26.00	26.00	23.00	28.00	24.00	30.00	30.00	27.00	26.00	30.00	22.00	0.00
Net Profit	13.00	5.00	2.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EPS in Rs	1.67	0.78	0.52	0.86	0.51	0.26	0.23	0.24	0.19	0.18	0.32	0.01
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	10.00	0.00	0.00	0.00	0.00

Balance Sheet

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Equity Capital	80.00	64.00	38.00	11.00	5.00	4.00	4.00	4.00	3.00	3.00	3.00	3.00
Reserves	80.00	58.00	12.00	3.00	7.00	5.00	5.00	3.00	2.00	0.00	0.00	0.00
Borrowings	156.00	105.00	95.00	90.00	77.00	28.00	27.00	19.00	5.00	0.00	0.00	0.00
Other Liabilities	13.00	3.00	2.00	3.00	2.00	2.00	1.00	0.00	3.00	0.00	0.00	0.00
Total Liabilities	329.00	229.00	147.00	106.00	91.00	39.00	37.00	26.00	13.00	3.00	3.00	3.00
Fixed Assets	6.00	6.00	6.00	3.00	2.00	2.00	1.00	1.00	0.00	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1.00	3.00	0.00	0.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	321.00	220.00	141.00	103.00	88.00	36.00	35.00	25.00	13.00	3.00	3.00	3.00
Total Assets	329.00	229.00	147.00	106.00	91.00	39.00	37.00	26.00	13.00	3.00	3.00	3.00

Cash Flows

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Cash from Operating Activity	28.00	11.00	10.00	12.00	0.00	2.00	1.00	2.00	1.00	0.00	1.00	-3.00
Cash from Investing Activity	-88.00	-48.00	-29.00	-15.00	-1.00	-1.00	0.00	-1.00	0.00	0.00	0.00	3.00
Cash from Financing Activity	66.00	68.00	31.00	4.00	1.00	-2.00	1.00	-3.00	1.00	-1.00	0.00	0.00
Net Cash Flow	6.00	31.00	12.00	1.00	1.00	-1.00	1.00	-1.00	2.00	0.00	0.00	0.00
Free Cash Flow	26.00	11.00	6.00	11.00	0.00	1.00	0.00	2.00	1.00	0.00	1.00	-3.00
CFO/OP %	137.00	84.00	82.00	110.00	5.00	51.00	21.00	181.00	228.00	69.00	108.00	-26,600.00

Ratios

Annual · Days / % — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	12,501.00
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	12,501.00
Working Capital Days	-1,549.00	25.00	7.00	-34.00	-13.00	-60.00	16.00	2.00	1,061.00	2,288.00	1,729.00	12,091.00
ROCE %	11.00	8.00	10.00	11.00	6.00	8.00	8.00	8.00	6.00	10.00	17.00	0.00

Shareholding Pattern

% holding — latest first

Holder	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Promoters	21.43	23.74	23.74	17.58	16.86	17.46	23.13	23.43	22.90	23.19	23.19	23.17
DIIs	1.07	1.19	1.19	0.98	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	77.51	75.07	75.07	81.44	83.15	82.53	76.88	76.57	77.11	76.81	76.83	76.84
No. of Shareholders	5,631	5,771	6,103	6,434	6,195	6,386	6,463	6,559	4,678	4,421	3,890	3,751

Corporate Actions

3 records

Action	Ex Date	Record Date	Ratio	Amount (₹)	Notes
Other	01 Feb 2024	—	—	—	E.G.M.
Bonus	21 Oct 2022	21 Oct 2022	1:1	—
Dividend	08 Aug 2019	—	—	0.10

Announcements

5 filings

Announcement under Regulation 30 (LODR)-Newspaper Publication
05 Sep 2026 5 Sep - Submission of Newspaper Publication of Notice of 33rd Annual General Meeting of the Company.
Board Meeting Intimation for Prior Intimation Of Board Meeting To Consider And Approve The Fund Rasing And Increasing The Authorised Share Capital Of The Company.
05 Sep 2026 5 Sep - Board meets 9 Sep 2026 to consider debentures, ESOPs, preferential issue, CCDs and capital increase.
Announcement under Regulation 30 (LODR)-Issue of Securities
04 Sep 2026 4 Sep - Board approved ₹75 crore secured, rated NCD issue and appointed trustee and merchant banker.
Board Meeting Outcome for Outcome Of Board Meeting
04 Sep 2026 4 Sep - Board approved private placement of 75,000 secured listed NCDs worth 75 crore at 13% interest.
Outcome Of Board Meeting
04 Sep 2026 4 Sep - Board approved 75 crore secured NCD private placement, with trustee and merchant banker appointments.