Submission of Earnings Call Transcripts

CIN:L67120PB1993PLC013169 Regency Fincorp Limited (Formerly Known as: Regency Investments Limited) Corp & Regd Office: SCO 6, Upper Ground Floor LA MER, PR-7, Airport Road, Zirakpur140603, Punjab. Contact No: +91 7717593645, Web: www. regencyfincorp.co.in E-mail: regencyinvestmentsltd@gmail.com Date: 27th July 2026 The Listing Department BSE Limited 25th Floor, P J Towers Dalal Street Mumbai, Maharashtra- 400001 SUB: DISCLOSURE UNDER REGULATION 30 OF SEBI (LISTING OBLIGATIONS & DISCLOSURE REQUIREMENTS) REGULATIONS, 2015 TRANSCRIPT OF THE EARNINGS CONFERENCE CALL REF: REGENCY FINCORP LIMITED (SCR–IP CODE: 540175) Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the transcript of the earnings/conference call hosted by the Company on Tuesday 21st July 2026, post declaration of Un-audited Financial Results (Standalone and Consolidated) for the quarter ended June 30, 2026. This has been made available on the Companys website. Kindly take the same on record Thanking You, For Regency Fincorp Limited Abhimanyu Company Secretary & Compliance Officer M No A 49176 “Regency Fincorp Limited Q1 FY27 Earnings Conference Call” July 21, 2026 MANAGEMENT: MR. GAURAV KUMAR ABROL – MANAGING DIRECTOR – REGENCY FINCORP LIMITED MR. SARFARAZ MALLICK – CHIEF FINANCIAL OFFICER AND WHOLE-TIME DIRECTOR – REGENCY FINCORP LIMITED Page 1 of 21 Regency Fincorp Limited July 21, 2026 Moderator: Ladies and gentlemen, good day and welcome to the Regency Fincorp Limited Q1 FY27 Earnings Conference call. This conference call may contain forward-looking statements about the company, which are based on the beliefs, opinions, and expectations of the company as on the date of this call. These statements do not guarantee the future performance of the company and it may involve risks and uncertainties that are difficult to predict. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Gaurav Kumar Abrol, Managing Director for the opening remarks. Thank you and over to you, sir. Gaurav Kumar Abrol: Thank you. Good morning everyone and thank you for joining us today for Regency Fincorp's Q1 FY27 Earnings call. On call with us today is Mr. Sarfaraz Mallick, our CFO and Whole- Time Director and Adfactors, our investor relations team. I hope all of you have had the opportunity to review our quarterly results and business updates. We really appreciate your continued interest in Regency Fincorp and look forward to sharing our progress as we continue to make headway in our long-term growth strategy. Since this is only our second earnings conference call, so before discussing the quarterly updates, let me briefly reiterate who we are and what we are building and the industry context. So let me introduce Regency Fincorp is an emerging NBFC focused on serving segment that continue to remain underserved by the formal financial system, particularly MSME, small business owners and retail borrowers. Our objective is to create a scalable technology-enabled lending platform that combine growth, profitability and prudent risk management while contributing to the financial inclusion. Over the last few years, we have strategically transformed our business model by increasing our focus on secured MSME lending, strengthening our underwriting framework, expanding our branch network and investing in technology-led capabilities. Today we have been operating through 20 plus branches serving more than 16,000 customers and have built a diversified lending platform with a growing secured portfolio as its core growth engine. So Indian MSME credit market continue to present a significant opportunity despite increasing formalization and credit penetration, a large financing gap still exists. So creating a strong runway for lenders that can combine disciplined underwriting with efficient customer acquisition and service delivery. So Regency is well positioned to capitalize on this opportunity. Coming to Q1 FY27, quarter gone by marked another important milestone in our transformation journey. During the quarter, we continued to strengthen our secured lending franchise which remains a key strategic priority for the company. Our secured loan book increased by 44% from approximately INR159 crores as of March '26 to INR230 crores as of June 2026, almost 5x on year-on-year basis. This growth reflect the Page 2 of 21 Regency Fincorp Limited July 21, 2026 increasing demand for secured MSME financing and validate our focus on building a high- quality collateral-backed portfolio. A key milestone in the recent past was successful launch of our digital lending platform in the name of Cash My Salary. We are pleased to share that within just a short period of launch; We have already built a digital lending portfolio of approximately INR23 crores. This is an encouraging start and reinforces our conviction that technology-enabled lending will be a significant growth driver for Regency going forward. At the same time, we continued to optimize the overall portfolio mix. In line with our strategy, the share of unsecured lending was reduced from 26% to 18%, further improving portfolio resilience and strengthening our risk profile. This transition reflects our long-term strategy of balancing growth with asset quality and capital efficiency. Looking ahead, we remain focused on scaling our secured lending portfolio, expanding our digital ecosystem, strengthening our liability franchise and building a more diversified and sustainable business model. Our medium-term objective is very clear, that is to scale AUM towards INR500 to INR550 crores by the end of this fiscal year while maintaining strong asset quality, capital adequacy and governance standards. So, with that, I would now like to hand over the call to our CFO, Mr. Sarfaraz Mallick, who will take you through the detailed financial performance for the quarter. Thank you. Sarfaraz Mallick: I think thank you Gaurav, that was a brilliant insight about what Regency's been focusing on and what we have committed and we are trying to deliver. Let me take you through the financial performance for the quarter. The first quarter of financial year '27 reflect the benefit of strategic initiatives undertaken over the last few quarters, particularly the shift towards secured lending, improved portfolio mix and continued focus on operational efficiency. During the quarter, our AUM, asset under management, stood at INR345 crores as compared to INR261 crores which was as on March 31, 2026, reflecting robust business growth momentum. Total income for our Q1 quarter FY '27 stood at INR17.4 crores, registered a growth of 86% year-on-year driven by the expansion in the loan book and improved earning assets. Our profit before tax stood at INR9.4 crores while profit after tax stood at INR7.0 crores reflecting continued operating leverage and efficiency cost management. On the balance sheet front, our net worth stood at INR181 crores while capital adequacy remained comfortable at 49.8% as on 30th June 2026, providing adequate headroom to support further growth initiatives. Our asset qualities remain well under control, gross NPA and net NPA number, our gross number stood at 0.98% while our net NPA today stands at 0.74% respectively as of 30th June 2026, reflecting our conservative underwriting approach and strong collection framework that we apply in Regency Fincorp Limited. From a finding perspective, we further strengthen our liability portfolio during financial year 2027. The following successful issuance of a INR50 crores of listed NCD during the quarter, we raised an additional IN [Showing first 8,000 characters — download PDF for full document]