What the business is, and whether it's a good one at a fair price.
Lends to underserved micro, small and medium enterprises and salaried retail borrowers in Tier-2 cities across five northern Indian states, operating through 310-plus branches that serve over 16,000 customers. The core business is secured MSME lending, whose book grew 44% quarter-on-quarter to ₹230 cr in Q1 FY27, almost 5x year-on-year, and now represents about 67% of total AUM of ₹345 cr. A digital salaried-lending platform called Cash My Salary was launched in the quarter and built a ₹23 cr AUM within weeks; the mix of unsecured personal loans in the book has been cut from 26% to 18% to harden asset quality. Q1 FY27 total income of ₹17.4 cr was 86% higher year-on-year, and the company earned a ₹7 cr profit after tax, with GNPA at 0.98% and NNPA at 0.74%. Lending is funded by listed NCDs (raised at 13-14% coupons) and bank term loans, with a blended cost of funds of 13.25% that the company plans to bring down to 11.75-12.5% by FY27 end. Employee costs of 12.9% of revenue and other operating costs of 11.9% are the main operating expenses, while the biggest input cost is the interest paid on borrowed money used to on-lend.
Measured from the filed financials, judged against its Other Financial Services peers · as of FY26 — not investment advice
Not enough history to assess.How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from REGENCY FINCORP LIMITED's filed financials and exchange disclosures
REGENCY FINCORP LIMITED is a Finance company listed on BSE.
Not in the latest reported year — REGENCY FINCORP LIMITED's dividend payout for FY26 was nil.
Effectively yes. It holds ₹0 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, REGENCY FINCORP LIMITED ranks 71 of 95 in Other Financial Services — cheaper than 26% of them, against an industry median of 17.9×. This is a position, not a valuation judgement.
On a typical session REGENCY FINCORP LIMITED moves 1.46% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by REGENCY FINCORP LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
