Regency Fincorp Secures ₹50 Crore via Listed NCDs; Secured Loan Book Expands 45% in Q1 FY27

Non-Banking Financial Company (NBFC) Regency Fincorp Limited has successfully completed a ₹50 crore Listed Non-Convertible Debenture (NCD) issuance during the first quarter of the fiscal year 2026-27. The capital infusion is earmarked to strengthen the company's liquidity framework, bolster its capital base, and fund its ongoing business expansion across secured lending portfolios and digital channels.

Accelerated Shift Toward High-Quality Secured Lending

The successful debenture placement coincides with strong operational momentum recorded during the April-June quarter of 2026. Regency Fincorp significantly accelerated its strategic pivot toward building a high-quality secured lending franchise.

The company's secured loan book grew by 45% during the three-month period, climbing by ₹71 crore to reach ₹230 crore in June 2026, up from ₹159 crore recorded at the close of the previous fiscal year in March 2026.

Simultaneously, the lender achieved notable progress in portfolio optimization by actively scaling back its higher-risk segments. The total exposure toward unsecured loans was brought down from 26% in March 2026 to 18% by June 2026.

On the digital innovation front, the company expanded its market reach via the launch of its dedicated digital lending platform, Cash My Salary. The newly introduced application rapidly built up scale, establishing a digital loan portfolio worth ₹23 crore within the quarter.

Strategic Vision and Technological Prudence

Commenting on the funding milestone, Mr. Gaurav Kumar, Managing Director of Regency Fincorp Limited, emphasized that the NCD closure reflects sustained investor confidence in the company's long-term business model. He noted that as the firm diversifies its borrowing profile, management remains anchored on blending technology-led innovations with highly disciplined risk-mitigation framework.

Mr. Kumar added that India's evolving credit ecosystem offers expanding tailwinds for well-governed financial institutions to advance credit access for entrepreneurial growth, noting that Regency Fincorp remains committed to sound corporate governance and customer-centric market execution.

Scaling Up: The Road to a ₹550 Crore AUM

Regency Fincorp, which delivers targeted credit solutions to retail customers, MSMEs, and emerging business units, has mapped out an aggressive expansion blueprint for its next development phase.

Using its March 2026 baseline Assets Under Management (AUM) of ₹261 crore, the company aims to scale its total AUM to a target range of ₹500 crore to ₹550 crore. To support this next leg of growth, widen its geographic distribution network, and deepen its digital footprint, the non-bank lender is planning an additional fundraise of ₹150 crore through diversified funding strategies.

Shares of Regency Fincorp Ltd was last trading in BSE at Rs. 39.67 as compared to the previous close of Rs. 38.82. The total number of shares traded during the day was 515448 in over 252 trades.

The stock hit an intraday high of Rs. 40.70 and intraday low of 38.20. The net turnover during the day was Rs. 20404234.00.

Source : Equity Bulls

Keywords

RegencyFincorp INE964R01013 NCDs FundRaising