Regency Fincorp Limited — Quarter ended 31 March 2026 (FY ended 31 March 2026)
| Name of the Issuer | ISIN | Mode of Fund Raising (Public issues/Private placement) | Type of instrument | Date of raising funds | Amount Raised | Funds utilized | Any deviation (Yes/No) | If Yes, then specify the purpose of for which the funds were utilized | Remarks, if any |
|---|---|---|---|---|---|---|---|---|---|
| Regency Fincorp Limited | INE964R07051 | Private Placement | Non-Convertible Debentures | 28th January, 2026 | Rs. 25,00,00,000 | Rs. 25,00,00,000 | No | NA | NA |
| Particulars | Remarks |
|---|---|
| Name of listed entity | Regency Fincorp Limited |
| Mode of fund raising | Private placement |
| Type of instrument | 14% Listed, Secured, Rated, Redeemable Non-Convertible Debentures |
| Date of raising funds | 28th January, 2026 |
| Amount raised | Rs. 25,00,00,000/- |
| Report filed for quarter ended | 31st March, 2026 |
| Is there a deviation/ variation in use of funds raised? | No |
| Whether any approval is required to vary the objects of the issue stated in the prospectus/ offer document? | NA |
| If yes, details of the approval so required? | NA |
| Date of approval | NA |
| Explanation for the deviation/ variation | NA |
| Comments of the audit committee after review | NA |
| Comments of the auditors, if any | NA |
| Original object | Modified object, if any | Original allocation | Modified allocation, if any | Funds utilised | Amount of deviation/variation for the quarter according to applicable object (in Rs. crore and in %) | Remarks, if any |
|---|---|---|---|---|---|---|
| The issue proceeds will be utilized towards onward lending Purposes. | NA | Rs. 25,00,00,000 | NA | Rs. 25,00,00,000 | NA | NA |
| S.No. | Particulars | IN INR CRORE |
|---|---|---|
| A | Total amount outstanding as on date | 55.92 |
| B | Of the total amount outstanding, amount of default as on date | 0.00 |
| A | Total amount outstanding as on date | 5.93 |
| B | Of the total amount outstanding, amount of default as on date | 0.00 |
| Total financial indebtedness of the listed entity including short-term and long-term debt | 61.85 |
| Name | PAN | Relation | Transaction Type | Opening Balance as on 01.10.2025 (Rs in Lacs) | Loan taken Including Interest charged (Rs in Lacs) | Loan repaid including TDS deducted (Rs in Lacs) | Closing Balance as on 31.03.2026 (Rs in Lacs) |
|---|---|---|---|---|---|---|---|
| Safraz Mallick | BRJPR2015LC | KMP (Key Managerial Person) | Director Salary | 12.00 | 9.00 | 6.00 | 15.00 |
| Gaurav Kumar | KMP | KMP | Director Salary | 21.00 | 12.00 | 9.00 | 24.00 |
| Vishal Raj Sarin | AFJPS0377C | OPERATIONAL HEAD | Salary | 6.90 | 7.20 | 2.10 | 11.50 |
| Neha Asini | BKXPS4959D | OPERATIONAL HEAD | Salary | 3.00 | 3.83 | 1.50 | 5.33 |
| Neha Asini | RELATIVE OF KMP | Salary | 3.00 | 3.83 | 1.50 | 5.33 | |
| Smriti Abrol | OFAPS7364C | Relative Of KMP | Salary | 7.50 | 7.50 | 7.50 | 7.50 |
| Lahari Asuni | BKNPAS3969R | Relative Of KMP | Salary | 7.50 | 7.50 | 7.50 | 7.50 |
| Gaurav Kumar | BRJPR2015LC | KMP | Expenses | 1.50 | 1.50 | 1.50 | 1.50 |
| Safraz Mallick | ASGPM2874E | KMP | Rent | 10.00 | 10.00 | 10.00 | 10.00 |
| Neha Abrol | AFBPA6503Q | OPERATIONAL HEAD | Rent | 1.50 | 1.50 | 1.50 | 1.50 |
| Regency Fin Technology | AAJCR2836M | Subsidary | Investment | – | – | – | – |
| Name | PAN | Relation | Transaction Type | Opening Balance as on 01.10.2025 | Loan taken Including Interest charged | Loan repaid including TDS deducted | Closing Balance as on 31.03.2026 |
|---|---|---|---|---|---|---|---|
| Regency Debtraded Investments | AAKCR5917Q | COMMON DIRECTOR | Inter-corporate deposits | 628.54 | 38.38 | 54.71 | 612.21 |
| My Home Management Consultancy Private Limited | AAWCA1358G | DIRECTOR IS RELATIVE OF Gaurav Kumar | Inter-corporate deposit | 576.52 | 50.88 | 6.80 | 620.60 |
| Vishal Raj Sarin | APIPD9737C | DIRECTOR | Loan | 20.91 | 1.06 | – | 21.96 |
| Gaurav Kumar | BRJPR2015LC | DIRECTOR | Loan | 505.39 | 691.09 | 1,197.48 | – |
| Regency Fin Technology | AAJCR2836M | Subsidary | Loan Given | 803.67 | 201.49 | 424.50 | 580.65 |
| S.No. | Particulars | Quarter Ended 31.03.2026 (Audited) | Quarter Ended 31.12.2025 (Unaudited) | Quarter Ended 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | Year Ended 31.03.2025 (Audited) |
|---|---|---|---|---|---|---|
| 1 | Income | |||||
| (a) Revenue from operations | ||||||
| Interest Income | 966.45 | 821.77 | 662.33 | 3,240.62 | 1,893.53 | |
| Fees and commission income | 61.18 | 40.80 | 68.07 | 205.42 | 102.03 | |
| Net gain on fair value changes | – | – | – | – | – | |
| Sales of services | – | – | – | – | – | |
| Other Operating Income | – | – | – | – | – | |
| Total revenue from operations | 1,027.63 | 862.57 | 730.40 | 3,446.04 | 1,995.56 | |
| (b) Other Income | 174.46 | 51.91 | 111.03 | 559.10 | 170.87 | |
| Total Income | 1,202.09 | 914.48 | 841.43 | 4,005.14 | 2,166.43 | |
| 2 | Expenses | |||||
| (a) Finance costs | 294.40 | 250.75 | 202.43 | 1,028.36 | 800.95 | |
| (b) Fees and commission expense | 153.59 | 6.74 | 9.33 | 215.52 | 70.81 | |
| (c) Provisions and Write offs | 45.24 | 14.01 | 20.42 | 141.00 | 20.42 | |
| (d) Employee benefits expenses | 123.06 | 96.04 | 201.37 | 442.90 | 380.13 | |
| (e) Depreciation and amortisation expenses | 20.11 | 20.60 | 21.97 | 87.01 | 73.04 | |
| (f) Other expenses | 95.87 | 66.68 | 35.79 | 267.56 | 151.74 | |
| Total Expenses | 732.27 | 454.82 | 491.31 | 2,182.35 | 1,497.09 | |
| 3 | Profit before tax (1-2) | 469.82 | 459.66 | 350.12 | 1,822.79 | 669.34 |
| 4 | Tax Expense | |||||
| (a) current tax | 128.02 | 119.22 | 90.55 | 492.67 | 170.90 | |
| (b) deferred tax (credit)/change | -11.56 | – | 0.87 | -11.56 | 0.87 | |
| Total tax expense | 116.46 | 119.22 | 91.42 | 481.11 | 171.77 | |
| 5 | Profit/(Loss) after tax (3-4) | 353.36 | 340.44 | 258.70 | 1,341.68 | 497.57 |
| 6 | Other comprehensive income | |||||
| a (i) Items that will not be reclassified to profit or loss | – | – | – | – | – | |
| (ii) Income tax related to item that will not be reclassified to profit or loss | – | – | – | – | – | |
| b (i) Items that will be reclassified to profit or loss | – | – | – | – | – | |
| (ii) Income tax related to items that will be reclassified to profit or loss | – | – | – | – | – | |
| Total other comprehensive income, net of tax | – | – | – | – | – | |
| 7 | Total other comprehensive income for period (5+6) | 353.36 | 340.44 | 258.70 | 1,341.68 | 497.57 |
| 8 | Paid-up equity share capital (Face value Rs. 10/- per share) | 8,017.11 | 8,017.11 | 6,359.46 | 8,017.11 | 6,359.46 |
| 9 | Other equity | – | – | – | 7,422.26 | 4,103.68 |
| 10 | Earning per Share (not annualised) | |||||
| Basic | 0.44 | 0.42 | 0.41 | 1.67 | 0.78 | |
| Diluted | 0.39 | 0.37 | 0.41 | 1.47 | 0.78 |
| PARTICULARS | NOTE | For the Year ended 31.03.2026 | For the Year ended 31.03.2025 |
|---|---|---|---|
| A. ASSETS | |||
| (1) Financial Assets | |||
| (a) Cash & Cash Equivalents | 1 | 5.17 | 3.75 |
| (b) Bank balance other than (a) above | 2 | 5,143.78 | 4,553.18 |
| (c) Derivative Financial Instruments | – | – | |
| (d) Receivables | |||
| (i) Trade Receivables | – | – | |
| (ii) Other Receivables | – | – | |
| (e) Loans and Advances | 3 | 26,123.04 | 17,018.07 |
| (f) Investments | 4 | 141.81 | 332.46 |
| (g) Other Financial assets | 5 | 807.24 | 303.60 |
| Total Financial Assets | 32,221.04 | 22,211.07 | |
| (2) Non Financial Assets | |||
| (a) Current Tax Assets (Net) | 6 | 58.68 | 111.12 |
| (b) Deferred tax Assets | 7 | 7.12 | – |
| (c) Investment Property | 8 | 647.24 | 589.27 |
| (d) Property, Plant and Equipment | – | – | |
| (e) Right-of-use assets | – | – | |
| (f) Intangible assets under development | – | – | |
| (g) Goodwill | – | – | |
| (h) Other Intangible assets | – | – | |
| (i) Other non-financial assets | – | – | |
| Total Non Financial Assets | 713.04 | 700.38 | |
| Total Assets | 32,934.08 | 22,911.45 | |
| LIABILITIES AND EQUITY | |||
| LIABILITIES | |||
| (1) Financial Liabilities | |||
| (a) Payables | |||
| (i) Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | |||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | |||
| (ii) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | |||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | |||
| (b) Debt Securities | 9 | 5,593.42 | 747.50 |
| (c) Borrowings (Other than Debt Securities) | 9,981.41 | 9,706.25 | |
| (d) Deposits | – | – | |
| (e) Subordinated Liabilities | – | – | |
| (f) Lease Liabilities | – | – | |
| (g) Other financial liabilities | – | – | |
| Total Financial Liabilities | 15,574.83 | 10,453.75 | |
| (2) Non-Financial Liabilities | |||
| (a) Current tax liabilities (Net) | 10 | 46.78 | 39.38 |
| (b) Provisions | 11 | 654.09 | 191.32 |
| (c) Deferred tax liabilities | 12 | – | 4.44 |
| (d) Other non-financial liabilities | 13 | 608.97 | 38.86 |
| Total Non Financial Liabilities | 1,309.84 | 273.99 | |
| (3) EQUITY | |||
| (a) Equity Share capital | 14 | 8,017.11 | 6,359.46 |
| (b) Other Equity | 15 | 7,422.26 | 4,103.68 |
| (c) Money Received Against Share Warrants | 16 | 610.04 | 1,720.57 |
| Total Equity | 16,049.41 | 12,183.71 | |
| Non-Controlling Interest | |||
| Total Liabilities | 32,934.08 | 22,911.45 |
| Particulars | YEAR ENDED As on 31.03.2026 | YEAR ENDED As on 31.03.2025 |
|---|---|---|
| Cash flow from operating activities | ||
| Net profit before tax | 1,822.79 | 669.34 |
| Adjustments for: | ||
| Depreciation and amortisation | 87.01 | 73.04 |
| Interest income | -308.26 | -127.16 |
| Exchange fluctuation Loss/(Gain) (net) | – | – |
| Finance costs | 1,028.36 | 800.95 |
| Provision for tax previous year | -12.28 | 4.52 |
| Previous Year Adjustment | 52.85 | 4.93 |
| (Profit)/ Loss on sale of fixed assets (net) | 847.68 | 756.28 |
| Operating profit before working capital changes | 2,670.47 | 1,425.62 |
| Changes in working capital: | ||
| (Increase)/ Decrease in Non-Financial Liabilities | 1,035.85 | 83.25 |
| (Increase)/ Decrease in other current assets | 45.31 | -17.77 |
| (Increase)/ Decrease in other financial assets | -503.64 | -180.57 |
| (Increase)/ Decrease in other non-financial assets | – | -115.10 |
| 577.52 | – | |
| Cash generated from operations | 3,248.00 | 1,310.53 |
| Net income tax (paid)/refunds | (481.11) | (171.77) |
| Net cash from operating |