Regency Fincorp Limited - Due diligence report

A 360° intelligence report on Regency Investments: trust score, financial health, credit view, compliance, directors, growth and distress si…

1993-03-29 Rajpura, Punjab Active Listed Active Compliant
Share
Connect MCP
RF Regency Fincorp Limited
Full Due-Diligence Report + Documents
  • Unlock all financial figures & 5-year trends
  • Full trust, health & credit-risk scores
  • Director details, charges & MCA documents
₹700 ₹449 Save ₹251 excl. GST
Or from ₹279/report with credits View credit packages
Company Credits – Starter
  • One credit unlocks this full due-diligence report
  • Use across any company’s report, anytime
  • Credits valid for 12 months
× ₹700 ₹279 = ₹2,790 60% off
Choose your own credit amount View credit packages

Regency Investments — 360° Intelligence Report

Generated from MCA filings & public records
76/100
Trust Score
Low Risk

Regency Investments is assessed as Low Risk with a Trust Score of 76/100. Regency Investments is an active public limited indian non-government company incorporated in 1993, operating in the Financial Services sector. The company has shown revenue growth across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a high compliance risk and low financial risk profile.

Report generated on 19 Aug 2026 from the latest processed filings. Regency Fincorp Limited snapshot & full profile →

Financial Health › Strong
Overall Assessment CautionWeakNeutralGoodStrong Strong
Compliance › Neutral

Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.

02

Score Card

Higher is safer · rule-based & explainable
Trust ScoreLow Risk
76/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreCaution Indicated
46/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreLow Risk
85/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
40/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
85/100
Board strength, DIN status, churn and network.
Growth ScoreLow Risk
90/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
90/100
Early-warning signals - higher means fewer warnings.
03

Financial Intelligence Dashboard

Standalone · 5 filed year(s)

Unlock the full 5-year financial dashboard with charts and year-wise figures.

Get full access

Scores and observations on this page are already computed from the real filings - only the underlying figures are locked.

04

Credit & Compliance Intelligence

Why the scores are what they are
Credit Risk Score: 40/100 Caution Indicated
  • Liabilities ≈ 38% EBITDA - stretched.
  • Open charges exceed net worth - secured lenders rank ahead.
  • Profitable - internal accruals available.

Charges position: 23 open (140.89 cr) · 17 satisfied (7.83 cr).

Banking relationships (from registered charges)
LenderChargesAmount
Others24 48.0 cr
Axis Bank Limited1 48.0 cr
Hdfc Bank Limited15 48.0 cr
Compliance Score: 46/100 Caution Indicated
  • Company status is Active as per MCA.
  • Annual filings current (balance sheet Mar 2025).
  • Flagged by authority: FIU, DSE, BSE.
  • Litigation present in 2 court forum(s).
  • 1 auditor resignation(s) filed - latest: Kapil Sandeep & Associates on 2019-01-21.
  • 1 active GST registration(s).
Legal cases on record (2)
05

Director Intelligence

Stability score: 85/100
NameDIN / PANDesignationAppointedTenureDIN status
SARFARAZ MALLICK 01234567 Director 01/04/2018 6 yrs Approved
Dolly Setia 01234567 Director 01/04/2018 6 yrs Approved
GAURAV KUMAR 01234567 Director 01/04/2018 6 yrs Approved
SACHIN GARG 01234567 Director 01/04/2018 6 yrs Approved
Ashish Kamra 01234567 Director 01/04/2018 6 yrs Approved
VISHAL RAI SARIN 01234567 Director 01/04/2018 6 yrs Approved
BILAL AHMED 01234567 Director 01/04/2018 6 yrs Approved
Sarfaraz Mallick 01234567 Director 01/04/2018 6 yrs Approved
Sanjay Mittal 01234567 Director 01/04/2018 6 yrs Approved
  • 9 directors on the board.
  • No disqualified or deactivated DINs.
  • 3 director exit(s) in the last 3 years.
Director & KMP remuneration (FY 2024)
NameDesignationTotal remuneration
A K SharmaManaging Director2.4 cr
R MehtaWhole-time Director1.6 cr
S IyerCFO95.0 L

Remuneration is disclosed in the latest annual return. Unlock full report

06

Ownership & Group Intelligence

As per FY 2024 annual return
Promoter holding
64.27%
Public / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
-
Group entities
-
Capital events
7 allotment(s) · 0 transfer(s)

Promoters hold a minority stake - exact percentages are part of the full report.

Key managerial personnel: SARFARAZ MALLICK (Whole-time director) · GAURAV KUMAR (Managing Director) · Ashish Kamra (Whole-time director) · VISHAL RAI SARIN (Whole-time director) · BILAL AHMED (CFO)

Full shareholding pattern, group structure & capital events →

07

Risk Intelligence Center

Growth 90 · Distress 90
Growth signals & trust indicators
Revenue acceleration: +1.42 over 4 year(s).
Profit expanded 2.1x year-on-year.
Asset base grew 24% - capacity expansion.
Net margin improved to 0.86.
Operating for 33+ years.
Active GST registration(s).
Distress signals & risk flags
Compliance score is weak (46/100).
23 open charge(s) registered - assets are encumbered.
1 auditor resignation(s) on record - review the stated reasons.
2 court case(s) on record - see the legal section for details.
08

Stakeholder Verdicts

Vendor · Banker · Investor
Vendor due diligence68/100
Review suggested
Suitability as a supplier / customer counterparty.
  • Check the compliance flags before onboarding.
  • No distress signals on file.
  • Financial filings available for verification.
Banker assessment55/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
  • Debt capacity assessed from filed statements.
  • 23 open charge(s) of 140.89 cr already registered.
  • Compliance gaps should be priced into terms.
Investor view85/100
Positive growth indicators
Growth quality and scalability through an investor lens.
  • 4 growth signal(s) detected.
  • Margin and return trends computable from filings.
  • Management team looks stable.
09

MCA Filings & Events Timeline

Latest 15 events
30 Jun 2026
Charge created
Others - 3.00 cr
11 Jun 2026
Charge created
Hdfc Bank Limited - 46.66 Lakh
27 May 2026
Charge created
Others - 10.00 cr
06 May 2026
Charge created
Others - 25.00 cr
30 Apr 2026
Charge created
Others - 7.00 cr
20 Apr 2026
Charge satisfied
Others
31 Mar 2026
Charge created
Hdfc Bank Limited - 1.15 cr
25 Mar 2026
Director appointed
Sanjay Mittal (Director)
23 Mar 2026
Charge created
Others - 25.00 cr
16 Mar 2026
Charge created
Others - 4.90 cr
17 Feb 2026
Director appointed
SACHIN GARG (Director)
12 Feb 2026
Charge satisfied
Others
31 Jan 2026
Charge created
Hdfc Bank Limited - 72.00 Lakh
21 Jan 2026
Charge created
Others - 25.00 cr
27 Nov 2025
Charge created
Others - 5.00 cr
10

Key Observations

Auto-generated from the data above
Revenue grew 61% over the last 4 financial year(s).
Net profit margin moved from 38% to 1.42.
Debt-to-equity stands at 2.1x - leverage worth monitoring.
Net worth is positive.
9 active director(s) / partner(s); board looks stable and experienced.
1 active GST registration(s) indicate ongoing business operations.
Promoters hold a minority stake as per the FY 2024 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 7 security allotment(s) - amounts available in the full report.
11

Peers & Related Companies

Full peer comparison →
CompanyCINLocation
Mangalam Estates Private Limited U70101DL2000PTC308673 New Delhi, Delhi, India
Basant Properties Ltd. U70101WB1932PLC007341 Kolkata, West Bengal, India
Nandal Finance And Leasingprivate Limited U65910DL1996PTC082970 New Delhi, Delhi, India
India International Bullion Exchange Ifsc Limited U67190GJ2021PLC124952 Gandhi Nagar, Gujarat, India
Asher Fintech Private Limited U65990GJ2021PTC122326 Vadodara, Gujarat, India
Praveen Capital Private Limited U67120KA1996PTC072006 Mangalore, Karnataka, India
Upwards Capital Private Limited U65999MH2018PTC305512 Mumbai, Maharashtra, India
Nse Ifsc Clearing Corporation U65990GJ2016PLC094545 Gift City, Gujarat, India
12

Who Uses This Report

CA · CS · Banker · Investor · Vendor
Chartered Accountants (CA)

Verify Regency Investments before audits and certifications: compliance score 46/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.

Company Secretaries (CS)

Track statutory health of Regency Investments: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.

Bankers & NBFCs

Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 40/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.

Investors & Analysts

Investor view: Positive growth indicators. Growth score 90/100, margin trends, ownership structure and peer set for Regency Investments - screening before a deeper diligence.

Vendors & Procurement Teams

Vendor verdict: Review suggested. Trust score 76/100, distress signals and MSME payment-delay disclosures - know whether Regency Investments pays its suppliers before you extend credit terms.

Lawyers & Compliance Teams

Litigation footprint (2 case(s) on record), regulatory flags, charge documents trail and director networks for Regency Investments - groundwork for KYC, onboarding and disputes.

13

Frequently Asked Questions

Is Regency Investments an active company?

Regency Investments has MCA status “Active” with a compliance score of 46/100 (Caution Indicated).

Is Regency Investments financially healthy?

Regency Investments has a Financial Health Score of 85/100 (Low Risk) based on its filed financial statements.

Should I do business with Regency Investments?

Its overall Trust Score is 76/100 (Low Risk). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.

Who controls Regency Investments?

Promoters hold a minority stake - exact percentages are in the full report. 9 active director(s) are on record.

Does Regency Investments have loans or charges against its assets?

23 open charge(s) are registered against its assets, and 17 earlier charge(s) stand satisfied.

Is Regency Investments up to date with its ROC filings?

Annual filings current (balance sheet Mar 2025). Overall compliance score: 46/100 (Caution Indicated).

Is it risky to lend to Regency Investments?

Its Credit Risk Score is 40/100 (Caution Indicated). Banker verdict: Mixed indicators - deeper appraisal suggested.

Disclaimer: This report is generated automatically from MCA filings and public records as available in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice. Verify from official sources and consult a qualified professional before any business, lending or investment decision. If you represent this company and believe any information is inaccurate or outdated, report it here and we will review promptly.