Submission of intimation of Credit Rating received from Infomerics Valuation and Rating Limited.

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 DToa te: 07th August, 2026 The Listing Department BSE Limited 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Subject: Intimation under regulation 30 and 55 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. Ref.: Regency Fincorp Limited (Scrip Code: 540175) Dear Sir/Madam, HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 Pursuant to Regulation 30 and 55 of the Securities and Exchange Board of India (Listing Obligations and Disclosure dated January 30, 2026 and Master Circular no. SEBI/HO/DDHS/DDHSPoD-1/P/CIR/2024/48 dated Requirements) Regulations, 2015, and SEBI Master Circular No. 21st May 2024 Infomerics Valuation and Rating SEBI Limited "IVR BBB/Stable" respectively, as amended from time to time, please note that has reaffirmed and assigned the credit rating of for the Company's existing and proposed Non-Convertible Debentures (NCDs) and Proposed Fund Based Bank Facilities- Term Loan, as mentioned below: Details of credit rating Current rating details Sr. ISIN Name of the Credit Rating Credit Outlook Rating Specify Date of Verification Date of No. Agency rating (Stable/ Action other Credit status of verification assigned Positive/ (New/ rating rating Credit Negative/ Upgrade/ action Rating No Downgrade/ Agencies Outlook) Re-Affirm/ Other) 1 INE964R07051 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 2 INE964R07069 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 3 INE964R07085 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 4 INE964R07093 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 5 INE964R07101 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 6 INE964R07119 Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 7 Proposed NCD Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 and Rating Limited 8 Proposed NCD Infomerics Valuation BBB Stable New NA 06-08-2026 Varied 06-08-2026 and Rating Limited 9 Proposed Fund Infomerics Valuation BBB Stable Reaffirmed NA 06-08-2026 Varied 06-08-2026 Based Bank and Rating Limited Facilities 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 Infomerics Valuation and Rating Limited Annexure–A The detailed rating letter received from is enclosed herewith as This is for your information and record. TFohra nRkeignegn ycoyu F. incorp Limited Abhimanyu Company Secretary & Compliance Officer M No.: A49176 Encl: As Above Annexure A Press Release Regency Fincorp Limited August 07, 2026 Rating Action Total Bank Loan Facilities Rs. 50.00 Crore Regulator^ Rated Long Term Rating IVR BBB/Stable (Rating RBI Reaffirmed) ^Kindly note that for activities or instruments falling under the purview of FSRs other than SEBI, the grievance/dispute redressal mechanisms and investor protection mechanisms provided by SEBI shall not be available. Amount Instrument Ratings Rating Action Regulator^ (Rs. crore) NCDs 180.00 IVR BBB/Stable Rating Reaffirmed SEBI Proposed NCDs 20.00 IVR BBB/Stable Rating Reaffirmed SEBI Proposed NCDs 200.00 IVR BBB/Stable Rating Assigned SEBI 400.00 Total (Rupees Four Hundred Crore Only) ^Kindly note that for activities or instruments falling under the purview of FSRs other than SEBI, the grievance/dispute redressal mechanisms and investor protection mechanisms provided by SEBI shall not be available. Refer Annexures for details of facilities/instruments, facility wise lender details, and detailed explanation of covenants. Note: None of the Directors on Infomerics Board are members of rating committee and thus do not participate in discussion or assignment of any ratings. The Board of Directors also does not discuss any ratings at its meetings. Rationale Infomerics Ratings has assigned ratings to the Rs. 200 crore non-convertible debentures (proposed) of Regency Fincorp Limited (RFL) its ‘IVR BBB/Stable’ and has reaffirmed its “IVR BEaBrBli/eSrt oabnl Jeu”l rya 2ti1n, g2s0 o2n6 ,t hInef obmanekr ifcasc iRliatiteinsg asn hda ost uhpegr rdaedbetd i nitsst rruamtinegnst sm. ainly driven by successful strategic shift towards secured MSME lending, which has resulted in a healthier portfolio composition, robust AUM expansion, improved profitability and operating efficiency, and a stronger capital base supported by periodic equity infusions. The upgrade was further supported by the company's diversified funding profile, demonstrated ability to raise resources from multiple lenders, and its growing market position in the MSME lending segment. The ratings continue to derive strength from the experienced management team, established credit appraisal and risk management framework, granular borrower profile, comfortable capitalisation supported by a strong CRAR, adequate liquidity position with a well-matched ALM Page | 1 www.infomerics.com Press Release profile, and healthy asset quality indicators. However, the ratings remain constrained by the company's moderate scale of operations, geographical concentration of the loan portfolio, and the limited seasoning of the rapidly growing secured MSME portfolio. The ratings also factor in the competitive nature of the MSME lending industry and execution risks associated with the company's planned business expansion. Outlook: Stable The Stable outlook reflects the company's ability to sustain growth while maintaining comfortable capitalisation, healthy profitability, and prudent asset quality, supported by its secured MSME focus and strong risk management framework. Analytical Approach Approach Comments Consolidation/ Standalone Standalone Parent/ Group Support Not Applicable Key Rating Drivers with Detailed Description Strengths • Successful transition towards secured MSME lending The company has successfully executed its strategic transition towards secured MSME lending during FY26. The share of secured MSME loans increased significantly to 61.05% of the total AUM as on March 31, 2026, from 17.75% as on March 31, 2025, while the share of the legacy JLG portfolio declined to 10.73% in FY26 from 17.25% in FY25. With fresh JLG disbursements discontinued, future business growth is expected to be driven primarily by secured MSME lending, supplemented by digital lending initiatives. This shift in portfolio composition is expected to strengthen the company's overall credit profile by improving collateral coverage and reducing portfolio risk over the medium term. Going forward, the performance and seasoning of the expanding secured MSME book alongside the maintenance of healthy asset quality metrics which will remain a key rating monitorable. • Improvement in profitability and operating efficiency The company has demonstrated strong business growth and improving operating performance, driven by its strategic shift towards secured MSME lending, deployment of Page | 2 www.infomerics.com Press Release capital raised through periodic equity infusions, and expansion of its distribution network. Consequently, the on-book AUM increased by 53.38% to Rs.261.23 crore as on March 31, 2026, from Rs.170.18 crore as on March 31, 2025, and further increased to Rs.345.24 crore as on June 30, 2026, reflecting sustained business momentum. The higher share of interest-earning assets, coupled with impro [Showing first 8,000 characters — download PDF for full document]