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Asset quality deterioration from rapid scaling
View Risks →Regency Fincorp Ltd — Q4 FY26
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.
bullish
medium
✓ Verified against BSE filing
2-Minute Summary
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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.
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AUM
261.2 Cr
+45% YoY
Assets under management grew from 170 Cr in FY25 to 261.2 Cr in FY26.
Secured Loan Share of AUM
61%
+43pp YoY
Secured loans now 61% of AUM vs 18% in FY25, reflecting deliberate portfolio shift.
Disbursements
142 Cr
+43% YoY
Cumulative disbursements for FY26 increased 43% YoY to 142 Cr.
Net NPA
0.74%
+43bps YoY
Net NPA rose from 0.31% in FY25 to 0.74% in FY26, still below industry average.
Fast read
Guidance and risk preview
Management expects to double AUM to 500-550 crore by end of FY27, driven by branch expansion and digital lending.
Net NPA increased from 0.31% to 0.74% YoY; rapid AUM growth could pressure underwriting standards.
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