Submission of Earninngs Call Transcripts held on Thursday 07th May 2026.
Price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Regency Fincorp held its maiden earnings call reporting strong FY2026 results: AUM grew 45% YoY to INR 261.2 crores and PAT jumped 170% to INR 13.4 crores. The company is deliberately shifting from unsecured JLG/microfinance to secured MSME lending, which now constitutes 61% of the book (up from 18%). Management outlined plans to double branches to 50, target INR 500 crores AUM next year, and reach INR 3,000 crores by FY30. The CFO guided cost of funds to reduce from 13-14% to 11-12% within 12 months as more PSB lenders come on board. NIMs are expected to be maintained at current ~10.75% levels. The company raised INR 25 crores via CCD and received RBI NOC for a PPI license, supporting its digital lending ambitions.
Strong growth metrics with deliberate shift to secured lending and clear margin guidance is positive. However, the company remains small with high concentration in North India and faces execution risk in its ambitious branch expansion and AUM targets.