Submission of Transcripts of the Earnings Conference Call held on Monday 26th October 2026.

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: 30th October 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 Monday 26th October 2026, post declaration of Un-audited Financial Results (Standalone and Consolidated) for the quarter and half year ended September 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 Q2 & H1 FY27 Earnings Conference Call” October 26, 2026 MANAGEMENT: MR. GAURAV KUMAR ABROL – MANAGING DIRECTOR – REGENCY FINCORP LIMITED MR. SARFARAZ MALLICK – CHIEF FINANCIAL OFFICER AND WHOLE-TIME DIRECTOR – REGENCY FINCORP LIMITED MODERATOR: MR. HARSHIL GHANSHYANI – ADFACTORS PR Page 1 of 14 Regency Fincorp Limited October 26, 2026 Moderator: Ladies and gentlemen, good day, and welcome to Q2 and H1 FY '27 Earnings Conference Call of Regency Fincorp Limited. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask a question after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touch-tone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Harshil Ghanshyani from Adfactors PR. Thank you, and over to you, Mr. Ghanshyani. Harshil Ghanshyani: Good afternoon, everyone. I'm Harshil Ghanshyani from Adfactors PR Investor Relations. On behalf of Regency Fincorp Limited, it is my pleasure to welcome you all on the Q2 and H1 FY '27 earnings conference call. Joining us on the call from the management team, we have Mr. Gaurav Kumar Abrol, Managing Director; and Mr. Sarfaraz Mallick, Chief Financial Officer and Whole-Time Director. We'll begin today's call with opening remarks from the management, following which we will open the floor for Q&A session. Before we begin, I would like to remind everyone that certain statements made during this call may be forward-looking in nature. These statements are based on the management's current expectations and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Regency Fincorp Limited undertakes no obligation to publicly update or revise any forward-looking statements based on subsequent events or developments. With that, I would like to hand over the call to Mr. Gaurav Kumar Abrol to deliver his opening remarks. Thank you, and over to you, sir. Gaurav Kumar Abrol: Yes, thank you. Good afternoon, everyone, and thank you for joining us today for Regency Fincorp Limited's Q2 and H1 financial year '27 earnings call. We appreciate your continued interest in our company and look forward to sharing our progress as we advance our long-term growth strategy. Q2 and H1 FY '27 marked a strong phase of growth for the company driven by the significant expansion in our lending portfolio, increasing geographic presence, deeper market penetration, and continued strengthening of our core business segments. Our assets under management stood at INR610.25 crores as of 30th September 2026. We continue to focus on building a diversified lending franchise with secured MSME lending and digital lending forming the key pillars of our business. Our digital lending platform, CashMySalary, continues to extend its reach, serving customers across 26 states and 4 union territories, and spanning over 15,250 pin codes. This reflects the scalability of our technology- led model and our ability to extend credit access without a proportionate expansion in branch infrastructure. Alongside business expansion, we are investing in technology, talent and infrastructure to strengthen our operating capabilities. We have expanded our digital team and moved into a large office space in Noida to support our growing operations. With an in-house team strength of 390 employees, we are building the organizational capacity required to support our next phase of growth. We are also deploying AI-enabledEMI reminders and digitizing disbursement, e-KYC, and e-sign processes to improve operanational efficiency and scalability. Page 2 of 14 Regency Fincorp Limited October 26, 2026 On the strategic front, our focus remains on strengthening our secured MSME lending franchise, scaling our digital lending capabilities and diversifying our portfolio through complementary business opportunities. Our technology-led business model enables us to expand our reach efficiently. While increasing our physical branch network, we continue to strengthen our digital branch presence, leveraging technology to reach customers without the need for physical offices. This approach, supported by disciplined lending practice, allows us to build a scalable and sustainable business for long term. The broader industry environment also presents opportunities for technology-enabled lenders. India's expanding digital financial infrastructure and growing fintech ecosystem are improving access to formal credit. We believe these developments create opportunities for NBFCs to address the financing needs of underserved MSMEs and retail borrowers. In this evolving landscape, we believe our secured MSME franchise, digital lending capabilities, investments in people and technology, and the proposed strategic acquisition positions us to participate in the expanding credit market. With that, I would now like to hand over the call to Mr. Sarfaraz Mallick, who will take you through our detailed financial performance and growth outlook. Over to Mr. Sarfaraz Mallick. Sarfaraz Mallick: Thank you, Gaurav, for this outline and strategic priorities that we are building in the company. Let me take you through our key business developments that we've been going through, and I will also take you through our financial performance for the quarter two and H1 of financial year 2027, which reflects the momentum in our lending operations and benefits of our expanding business. Our assets under management grew more than threefold year-on-year as of September 2026. The secured loan book grew 7 times year-on-year to INR452 crores compared to INR60. 5 crores as of 30th September 2025, reflecting our continued focus on building a high-quality collateral- backed MSME lending portfolio. During H1 financial year 2027, our digital lending platform, CashMySalary, recorded a disbursement of INR125 crores with more than 87,000 active loans across 15,000 pin codes with 25 states. Further strengthening our digital lending platform, we also launched JetFund, a digital platform offering instant salary advance and personal loan from a range of INR20,000 to INR1 lakhs with quick approval and 24/7 disbursement available. Our secured MSME lending business also continued to expand with cumulative disbursement of approximately INR252 crores as on September 2026 across 2,366 active loans. Property-backed lending remains central to this business, supported by a branch-led distribution model and a disciplined credit assessment. Turning out to our quarterly performance, total income of quarter two financial year 2026 stood at INR32.44 crores, registering Y-o-Y growth of 240%, supported by [Showing first 8,000 characters — download PDF for full document]