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Revenue
₹10.28 Cr
verified against source
Revenue YoY
85%
reported change
EBITDA
Pending
latest reported figure
Source
screener in
record provenance
Actual signal trajectory
Where this quarter sits.
Quarter read
What the record says.
Regency Fincorp reported a strong FY26 with total income of 40.1 crore (up 85% YoY) and PAT of 13.44 crore (up 170% YoY), driven by a strategic shift to secured MSME lending. AUM grew 45% YoY to 261.2 crore, with secured loans now 61% of AUM vs 18% last year. The company is exiting unsecured group lending (GLV) and targeting 500-550 crore AUM in FY27 via branch expansion and digital lending. Net NPA at 0.74% remains manageable. Key risk: rapid scaling could pressure asset quality if underwriting standards slip.
Colored figures show movement against the previous available record.
Guidance to track
- Management expects to double AUM to 500-550 crore by end of FY27, driven by branch expansion and digital lending.
- Current cost of funds is 13-14%; management targets reduction to 11-12% within 12 months via cheaper borrowing.
- Plans to expand from 23 branches to approximately 50 branches by end of FY27, focusing on North India.
- The unsecured group lending (GLV) book, currently 10.5% of AUM, will be reduced to zero by end of next calendar year.
Risks flagged
- Net NPA increased from 0.31% to 0.74% YoY; rapid AUM growth could pressure underwriting standards.
- Operations are concentrated in Punjab, Haryana, Uttarakhand, and UP, exposing the company to regional economic or political risks.
- The success of the digital lending platform and PPI wallet depends on technology adoption and regulatory approvals.
Key quotes
- Our focus is not on the race, our focus is on the quality. We might take time to build a quality book but we will not miss the bus.
- We are not doing any lending to any trading company. No real estate, no trading.
- We have not done a single dispersion from the month of November onwards [in GLV] and we don't intend to do a single penny dispersion over this.
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