Q2 & H1 FY27: AUM crosses ₹600 crore, H1 FY27 revenue surpasses full-year FY26
Q2 FY27 total income ₹32.44 crore vs ₹9.54 crore a year ago; profit after tax ₹9.01 crore vs ₹3.32 crore.
By ScoutQuest · · 2 min read
- Q2 FY27 Total Income
- ₹32.44 crore vs ₹9.54 crore a year ago
- Q2 FY27 Profit After Tax
- ₹9.01 crore vs ₹3.32 crore
- AUM
- ₹610.24 crore as on 30th September 2026
Regency Fincorp has shared its unaudited standalone results for the quarter and half year ended 30th September 2026, along with an update on its capital raise and proposed acquisitions.
How the quarter and half year looked
- Total income for Q2 FY27 was ₹32.44 crore, against ₹9.54 crore in Q2 FY26.
- Profit after tax for Q2 FY27 was ₹9.01 crore, against ₹3.32 crore a year earlier.
- For H1 FY27, total income was ₹49.87 crore and profit after tax ₹16.03 crore. The company says H1 FY27 revenue has already crossed its full-year FY26 total income of ₹18.89 crore.
- Pre-provisioning operating profit was ₹12.03 crore in Q2 FY27 and ₹21.43 crore in H1 FY27.
Lending book and balance sheet
- AUM was ₹610.24 crore as on 30th September 2026, against ₹191.37 crore as on 30th September 2025. The release also states AUM crossed the ₹600 crore mark, up from ₹345 crore as on 30th June 2026.
- Disbursements in Q2 FY27 were ₹363.71 crore, against ₹54.57 crore in Q2 FY26.
- Net interest margin was 7.54%, return on assets 2.24% and return on equity 18.05% for Q2 FY27.
- Capital adequacy stood at 28.55%, with a debt-to-equity ratio of 2.66x on total borrowings of ~₹504.33 crore as on 30th September 2026.
- The company raised ₹405 crore through NCD placements during H1 FY27.
Proposed preferential issue
- The Board approved a preferential issue of ~₹312.15 crore at ₹50.50 per instrument, comprising equity shares of ~₹72.05 crore and convertible warrants of ~₹240.11 crore.
- Stated use of proceeds: the proposed acquisition of a digital lending platform (up to ₹125 crore) and a gold loan business (up to ₹75 crore), onward MSME lending (₹65 crore) and general corporate purposes (~₹47.15 crore).
Digital lending franchise
- The Cash My Salary platform recorded disbursements of over ₹141 crore across more than 1 lakh loans during H1 FY27.
- The management commentary describes the secured MSME book growing about 74% quarter-on-quarter to over ₹400 crore, from ₹230.1 crore as on 30th June 2026.
Points to keep in mind
- These are unaudited results for the quarter and half year ended 30th September 2026.
- The company states that the proposed transactions are subject to execution of definitive agreements, completion of due diligence, regulatory approvals and other customary conditions, and that the terms referred to are indicative and non-binding except for specific agreed provisions.
- The release carries a forward-looking statement caution, noting that past performance is not necessarily indicative of future results.
Also from Regency Fincorp
Board meeting outcome: Q2/H1 results approved; 40,000 NCDs of INR 10,000 each for INR 40 crore on private placement
23 Oct 2026
Board outcome: H1 results approved; issuance of 40,000 secured NCDs of INR 40,00,00,000
23 Oct 2026
Sept-quarter results approved; 40,000 NCD units of Rs. 10,000 face value in board outcome
23 Oct 2026
More numbers
- Total income, Q2 FY2732.44 (₹ crore)
- Total income, H1 FY2749.87 (₹ crore)
- Profit after tax, Q2 FY279.01 (₹ crore)
- AUM as on 30th September 2026610.24 (₹ crores)
- Disbursement, Q2 FY27363.71 (₹ crores)
- Net interest margin, Q2 FY277.54%
- Capital adequacy28.55%
- Preferential issue size approved by Board~₹312.15 crore
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