Financial Performance Highlights

  • Total Revenue: ₹395.42 lakhs (FY26) vs ₹313.46 lakhs (FY25)
  • Net Profit: ₹148.39 lakhs (FY26) vs ₹118.74 lakhs (FY25) - 25% increase
  • Profit Before Tax: ₹219.50 lakhs (FY26) vs ₹201.96 lakhs (FY25)
  • Net Worth: ₹6006.89 lakhs (FY26) vs ₹5858.50 lakhs (FY25)
  • Reserves: ₹4051.57 lakhs as of March 31, 2026
  • Current Ratio: 79.38 (FY26) vs 116.87 (FY25) - decreased due to increase in current liability
  • Debt-Equity Ratio: 0.09 (FY26) vs 0.11 (FY25)
  • Return on Equity: 0.02 (both FY26 and FY25)

Key Financial Ratios

| Particulars | 2025-26 | 2024-25 |

| Current Ratio | 79.38 | 116.87 |

| Debt-Equity Ratio | 0.09 | 0.11 |

| Return on Equity Ratio | 0.02 | 0.02 |

AGM Details

  • 43rd Annual General Meeting scheduled for Saturday, September 26, 2026 at 11:00 AM IST
  • Meeting to be held through Video Conference/Other Audio Visual Means
  • Cut-off date for determining shareholders for E-Voting: September 18, 2026
  • Book closure: September 19, 2026 to September 26, 2026
  • E-voting period: September 23, 2026 (09:00 AM) to September 25, 2026 (05:00 PM)

Business Operations

  • Non-Banking Finance Company (NBFC) registered with RBI
  • Product offerings include: Term Loans against Property, Working Capital Loans, Business Expansion Loans, Equipment Purchase Loans
  • Loan portfolio: ₹3,376.52 lakhs (net) with ₹650.33 lakhs classified as sub-standard asset (Jawan Mining & Construction Equipment Pvt Ltd, under NCLT liquidation)
  • Investments: ₹1,735.87 lakhs including equity shares and property investments

Director Changes and Appointments

  • Mr. Pankaj Kumar Mittal (DIN: 05190278) retires by rotation and offers himself for re-appointment
  • Mr. Anil Sharma (DIN: 00033372) recommended for re-appointment as Independent Director for second term of 5 years
  • Ms. Deepanti Verma resigned as Company Secretary effective July 31, 2026
  • Mr. Suryansh Nigam appointed as Company Secretary & Compliance Officer effective August 1, 2026
  • Ms. Garima Priyani appointed as Additional Independent Director on April 15, 2025, resigned on July 13, 2025
  • Ms. Kiran Priyani appointed as Non-Executive Independent Director effective August 11, 2025
  • Ms. Archana Singh ceased to be director upon completion of her second term on September 27, 2025

Board Composition

The Board comprises 6 Directors:

  • 3 Non-Executive Independent Directors
  • 2 Non-Executive Non-Independent Directors
  • 1 Executive Promoter Director

Borrowings and Liabilities

  • Secured loan from Aditya Birla Finance Limited: ₹513.21 lakhs outstanding (sanctioned facility ₹665 lakhs)
  • Loan secured by mortgage/hypothecation of company assets
  • Borrowing within limits approved under Section 180(1)(c) of Companies Act, 2013

Share Capital

  • Authorized Share Capital: ₹2,000 lakhs (2,00,00,000 shares of ₹10 each)
  • Issued, Subscribed and Paid-up Capital: ₹1,955.32 lakhs (1,95,53,200 equity shares of ₹10 each)
  • No equity shares issued during FY 2025-26
  • 99.52% of paid-up equity share capital dematerialized as of March 31, 2026

Dividend

  • No dividend recommended for FY 2025-26
  • Entire profit being ploughed back into the business

Risk Management

  • Company exposed to credit risk, interest rate risk, liquidity risk, market risk, operational risk
  • Robust risk management framework implemented
  • Risk Management Committee constituted as per RBI Master Directions
  • Two loan accounts totaling ₹650.33 lakhs overdue for more than 90 days

Related Party Transactions

  • No materially significant related party transactions
  • Director remuneration: Mr. Arvind Kumar Mittal drawing salary of ₹1,00,000 per month
  • Rent paid to Mrs. Deepa Mittal (wife of Managing Director): ₹1.20 lakhs

Corporate Governance

  • All mandatory corporate governance requirements complied with
  • Board met 11 times during FY 2025-26
  • Separate meetings of independent directors held
  • Familiarization program for independent directors implemented

Other Disclosures

  • No deposits accepted from public/shareholders
  • No subsidiary, joint venture or associate companies
  • No corporate social responsibility initiatives (Section 135 not applicable)
  • No sexual harassment complaints received during the year
  • No material changes affecting financial position between year-end and report date

Investor Relations

  • Registrar & Share Transfer Agent: Skyline Financial Services Private Limited
  • 1 investor complaint received through SEBI SCORES system, resolved within prescribed timelines
  • 99.52% of shares in dematerialized form

Future Outlook

  • Plans to implement data analytics in loan disbursement and recovery processes
  • Focus on maintaining leadership position and borrower loyalty
  • Expected growth in NBFC sector with improved liquidity position

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