AGM Details

  • Date: Saturday, September 26, 2026
  • Time: 11:00 AM (IST)
  • Mode: Video Conferencing (VC) / Other Audio Visual Means (OAVM)
  • Record Date: Friday, September 11, 2026 (for dividend entitlement)

Ordinary Business

1. Adoption of Financial Statements: To receive, consider and adopt Audited Financial Statements for year ended March 31, 2026 including Balance Sheet, Statement of Profit and Loss, Cash Flow Statement, and reports of Board of Directors and Auditors.

2. Declaration of Final Dividend: To declare final dividend at rate of ₹1.50 (@15%) per equity share of ₹10 each for financial year ended March 31, 2026. Total dividend outflow will be ₹51.75 lakhs subject to TDS deduction.

3. Re-Appointment of Director: Mr. Deepak Patel (DIN: 00081100), Director retiring by rotation, offers himself for re-appointment.

Special Business

4. Approval of Related Party Transactions: Ordinary Resolution to approve arrangements/transactions with related/interested parties as defined under Companies Act, 2013 and Listing Regulations. Estimated aggregate values:

  • Ceejay Microfin Limited: ₹5,000 lakhs
  • Ceejay Tobacco Limited: ₹15,000 lakhs
  • Chhotabhai Jethabhai Patel Charitable Trust: ₹50 lakhs

Transactions include loans, guarantees, securities, inter-corporate deposits, interest payments, and donations.

5. Re-Appointment of Managing Director: Special Resolution to reappoint Mr. Deepak Patel as Managing Director for five years from September 01, 2026 to August 31, 2031 with remuneration:

  • Salary: ₹2,50,000 per month with annual increment of ₹10,000 per month (scale: ₹2,50,000 - 10,000 - 3,00,000)
  • Perquisites: Not exceeding ₹3,00,000 per annum
  • Provident fund, superannuation, and gratuity benefits
  • Minimum remuneration provisions in case of absence/inadequacy of profits

Financial Performance (Amount in ₹ Lakhs)

| Particulars | FY 2025-26 | FY 2024-25 |

| Revenue from operations | 2,653.87 | 2,629.32 |

| Other income | 8.71 | 9.76 |

| Total income | 2,662.58 | 2,639.08 |

| Profit before depreciation, finance cost & tax | 1,462.97 | 1,362.11 |

| Finance costs | 390.05 | 390.40 |

| Depreciation and amortization expense | 43.04 | 41.16 |

| Profit before tax | 1,029.88 | 930.55 |

| Current tax | 251.86 | 244.32 |

| Deferred tax | 6.40 | 6.33 |

| Profit after tax | 771.62 | 679.90 |

Key Operational Metrics

  • Total disbursement: ₹8,548 lakhs (Previous year: ₹9,648 lakhs)
  • Asset Under Management (AUM): ₹12,209.23 lakhs (Previous year: ₹11,644.89 lakhs)
  • Impairment loss allowance: ₹262.41 lakhs during the year
  • Capital Adequacy Ratio (CRAR): 64.12% (well above regulatory minimum of 15%)
  • Liquidity Coverage Ratio: 87.32%

Dividend Information

  • Final dividend recommended: ₹1.50 per equity share (15%)
  • Payment to be made within 30 days from declaration date through electronic mode only
  • Record date: September 11, 2026
  • Unclaimed dividend as on March 31, 2026: ₹13.89 lakhs
  • 8,894 equity shares transferred to IEPF during the year

Corporate Governance

Board of Directors:

  • Mr. Kiran Patel (Chairman)
  • Mr. Shailesh Patel (Director)
  • Mr. Deepak Patel (Managing Director)
  • Mr. Samir Parikh (Independent Director)
  • Mr. Chinmay Amin (Independent Director)
  • Mrs. Prachi Patel (Independent Director)

Key Managerial Personnel:

  • Mr. Kamlesh Upadhyaya (Company Secretary and Compliance Officer)
  • Mr. Devang Shah (Chief Financial Officer)

Auditors:

  • Statutory Auditors: M/s. Kantilal Patel & Co. (FRN: 104744W)
  • Internal Auditors: M/s. Vipinchandra C. Shah & Co.
  • Secretarial Auditors: M/s. Alpesh Vekariya & Associates

Capital Structure

  • Authorized Capital: ₹500.00 lakhs (50,00,000 equity shares of ₹10 each)
  • Issued, Subscribed and Paid-up Capital: ₹345.00 lakhs (34,50,000 equity shares of ₹10 each)
  • No change in share capital during the year

CSR Activities

  • CSR expenditure: ₹20.58 lakhs (2% of average net profit)
  • Focus areas: Education, Skill Development, Health, Wellness, Animal Welfare, Environmental Sustainability
  • CSR Committee: Mr. Chinmay Amin (Chairman), Mr. Samir Parikh, Mrs. Prachi Patel, Mr. Deepak Patel

Other Material Information

  • Company registered as NBFC-ICC with RBI (Registration No. A.01.400)
  • No material changes or commitments after close of financial year
  • No significant orders passed by regulators/courts impacting going concern status
  • No frauds reported by statutory auditors under Section 143(12)
  • No subsidiaries, associates or joint venture companies during the year

Voting Information

  • Remote e-voting period: September 22, 2026 (9:00 AM) to September 25, 2026 (5:00 PM)
  • Cut-off date: September 19, 2026
  • Scrutinizer: M/s. Alpesh Vekariya & Associates, Company Secretaries
  • E-voting agency: Central Depository Services (India) Limited (CDSL)