Regency Fincorp Ltd

REGENCY

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Market Cap

₹ 226 Cr

P/E

22.43

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

LOW RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Regency Fincorp Limited is a Non-Banking Financial Company (NBFC) based in Zirakpur, India, focused on lending and allied activities.

The company targets micro, small, and medium enterprises (MSMEs), aiming to empower them to enhance their business operations and thereby improve living standards.

Regency Fincorp also provides personal loans and consumer durable loans, catering primarily to economically active households.

In March 2020, the company undertook a preferential allotment of shares and convertible warrants, suggesting a strategic move for capital infusion.

Despite the limit in available data, the company's focus on MSMEs indicates a potential strategic positioning in an underserved segment of the financial market.

Sector

Finance

Industry

NBFC-Others

Market Cap

226 Cr

Volatility

Low Risk

P/E Ratio

22.4

Industry P/E

34.5

PEG Ratio

0.2

P/B Ratio

1.7

52W High

46.69

52W Low

24.25

Sales CAGR

35.92%

55.92%

42.58%

10Y

49.74%

Profit CAGR

152.79%

107.90%

67.60%

10Y

33.14%

ROE

TTM

7.38%

4.23%

4.24%

10Y

4.42%

ROCE

TTM

9.62%

11.47%

9.68%

10Y

9.18%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
TEAMGTY	286.50	258 Cr	101.96	5.26	0.00	5.15	6.40	5.15
EMERALD	74.14	256 Cr	21.49	2.82	0.20	13.13	17.88	10.43
UYFINCORP	14.05	244 Cr	—	0.98	0.00	-0.27	-0.22	-0.21
REGENCY	30.50	226 Cr	22.43	1.70	0.00	7.38	9.62	4.09
ALFREDHERB	2865.00	224 Cr	9.30	0.40	0.17	4.25	4.83	73.18
VISCO	39.80	215 Cr	—	2.04	0.25	-15.59	-3.37	-4.84
CPCAP	118.00	215 Cr	5.66	0.39	2.54	6.87	8.64	5.86

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3.40	3.96	4.08	3.85	3.49	4.01	5.16	7.30	7.76	7.80
Expenses	0.62	0.90	0.78	1.05	1.00	1.30	1.28	2.66	2.43	2.23
Interest	2.27	2.40	2.44	1.86	1.75	1.66	2.57	2.02	2.28	2.55
Financing Profit	0.51	0.66	0.86	0.94	0.74	1.05	1.31	2.62	3.05	3.02
Financing Margin %	15.00	16.67	21.08	24.42	21.20	26.18	25.39	35.89	39.30	38.72
Other Income	0.02	0.12	0.11	0.21	0.16	0.20	0.23	1.11	1.58	1.75
Depreciation	0.16	0.21	0.25	0.23	0.17	0.17	0.17	0.22	0.24	0.22
Profit Before Tax	0.37	0.56	0.71	0.92	0.74	1.08	1.38	3.51	4.39	4.54
Tax %	27.03	26.79	25.35	17.39	25.68	25.93	25.36	26.21	28.25	26.87
Net Profit	0.27	0.42	0.53	0.75	0.54	0.80	1.03	2.59	3.16	3.32
EPS in Rs	0.04	0.06	0.07	0.10	0.08	0.11	0.14	0.38	0.45	0.48
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.41	0.64	1.50	3.39	3.57	5.26	13	15	20	24
Expenses	0.13	0.21	0.83	1.02	2.14	1.62	2.45	3.35	6.23	7.67
Interest	0.00	0.11	0.85	1.90	2.42	2.79	9.38	8.97	8.01	8.53
Financing Profit	0.27	0.32	-0.18	0.46	-0.98	0.86	1.65	2.95	5.72	8.03
Financing Margin %	67.39	49.50	-11.68	13.71	-27.47	16.31	12.24	19.30	28.64	33.14
Other Income	0.02	0.01	0.68	0.23	1.80	0.20	0.03	0.46	1.71	3.12
Depreciation	0.00	0.01	0.02	0.16	0.21	0.34	0.41	0.85	0.73	0.80
Profit Before Tax	0.30	0.31	0.49	0.53	0.60	0.72	1.27	2.56	6.69	10
Tax %	333.49	384.11	382.93	338.32	327.04	433.15	365.17	432.42	389.67	26.83
Net Profit	0.21	0.23	0.36	0.38	0.42	0.55	0.92	1.97	4.98	7.58
EPS in Rs	0.07	0.04	0.07	0.04	0.07	0.08	0.13	0.28	0.71	1.45
Dividend Payout %	—	—	970.00	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.71	4.10	4.10	5.34	11	38	64
Reserves	0.05	0.26	2.07	2.68	4.95	5.38	7.40	2.98	12	58
Borrowings	0.00	0.00	4.74	19	27	28	77	90	95	105
Other Liabilities	0.15	0.11	2.99	0.50	0.60	1.82	1.58	2.87	1.91	2.74
Total Liabilities	3.21	3.37	13	26	37	39	91	106	147	229
Fixed Assets	0.00	0.00	0.22	1.13	1.43	2.07	2.25	2.90	6.04	5.89
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.44	0.33	0.65	0.71	0.06	0.00	3.32
Other Assets	3.21	3.37	13	25	35	36	88	103	141	220
Total Assets	3.21	3.37	13	26	37	39	91	106	147	229

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.52	0.20	0.98	2.46	0.54	1.69	0.18	12	9.91	11
Cash from Investing Activity	-0.43	0.44	-0.23	-0.93	-0.47	-1.17	-0.58	-15	-29	-48
Cash from Financing Activity	0.01	-0.64	1.34	-2.55	0.68	-1.78	1.04	3.64	31	68
Net Cash Flow	0.10	0.00	2.09	-1.02	0.74	-1.26	0.64	0.90	12	31

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Nov 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	24.98%	24.98%	23.17%	23.18%	23.19%	22.89%	23.43%	23.13%	23.13%	17.46%	16.86%	17.58%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.98%
Public	75.02%	75.02%	76.83%	76.82%	76.81%	77.11%	76.57%	76.87%	76.87%	82.54%	83.14%	81.44%
Total Shareholders	3,885	3,733	3,751	3,890	4,421	4,678	6,559	6,584	6,463	6,386	6,195	6,434

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.19	0.02 Cr	5,023	0.00
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.05	0.01 Cr	1,900	0.00
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.07	0.03 Cr	10,000	0.01
Aug 27, 2025	Gaurav kumar	Insider - Promoter & Director	Acquisition	18.00	0.75 Cr	4,16,666	0.60
Aug 14, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	31.44	0.16 Cr	50,000	0.07
Aug 12, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	31.13	0.05 Cr	15,000	0.02
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.01	0.00 Cr	5,023	0.00
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.00	0.00 Cr	10,000	0.01
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.02	0.00 Cr	1,900	0.00
Mar 11, 2025	Kavanviveksejpal	Bulk	Buy	29.18	0.85 Cr	2,90,745	0.45

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Acquisition Announcement

5 days ago

Board Approval for Acquisition of Regency Fin Technology Limited

Regency Fincorp Limited's Board has approved a strategic investment in Regency Fin Technology Limited to enhance business capabilities.

Board Meeting Outcome

5 days ago

Regency Fincorp Board Meeting Outcomes

The Board of Regency Fincorp approved the issuance of call letters to warrant holders, the formation of a Green Bond Committee, and the relocation of the registered office starting December 10, 2025.

Change in Directors

5 days ago

Change in Directorate at Regency Fincorp

Mr. Sarfaraz Mallick has been appointed as Whole Time Director, having changed his designation from Executive Director.

Change in Directors

5 days ago

Change in Management and Investments at Regency Fincorp

Regency Fincorp Limited announces the appointment of Mr. Sarfaraz Mallick as Whole Time Director and the formation of a Green Bond Committee, along with strategic investments in Regency Fin Technology Limited.

Board Meeting Outcome

5 days ago

Board Meeting Outcomes - December 2025

The Board of Regency Fincorp approved the change in designation of Mr. Sarfaraz Mallick to Whole Time Director, formation of a Green Bond Committee, and an investment in Regency Fin Technology Limited.

Documents

Presentations

Concalls

Reports

Presentations

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