Key Financial Performance (₹ in '000)

| Particulars | Year ended 31st March, 2026 | Year ended 31st March, 2025 |

| Total Income | 8,697.34 | 9,319.69 |

| Total Expenses | 15,947.49 | 12,257.04 |

| Profit/Loss before tax | (7,250.16) | (2,937.35) |

| Tax Expenses | (43.99) | 46.80 |

| Profit/Loss after Tax | (7,294.14) | (2,984.15) |

| Other Comprehensive Income | 5,169.17 | 464.60 |

| Total Comprehensive Income | (2,124.98) | (2,519.55) |

| EPS (Basic & Diluted) | (0.56) | (0.23) |

Annual General Meeting Details

The 42nd Annual General Meeting will be held on Wednesday, 30th September 2026 at 3:30 PM (IST) at "B B D Bag Professional Association", "Commerce House", 2A Ganesh Chandra Avenue, 4th Floor, Room No: 1, Kolkata-700013.

Remote e-voting period commences on 27th September 2026 at 9:00 AM and ends on 29th September 2026 at 5:00 PM. Cut-off date for determining voting rights is 23rd September 2026.

Share Capital

  • Paid-up Equity Share Capital as on 31st March 2026: ₹12,980.50 thousand (₹12.98 crore)
  • No change in share capital during the year under review
  • The company had sub-divided one equity share of ₹10 each into two equity shares of ₹5 each through an EGM held on 25th April 2025
  • No sweat equity shares, differential voting rights shares, or employee stock options issued

Dividend

No dividend recommended for the financial year 2025-26.

Corporate Governance

  • Board consists of 5 directors: 1 Executive Director, 1 Non-Executive Director, and 3 Non-Executive Independent Directors (including one woman director)
  • All directors attended all 5 board meetings held during the year
  • Key managerial personnel: Rajeev Kothari (Managing Director), Virendra Kumar Goyal (CFO), Manisha Khandelwal (Company Secretary)
  • Board committees constituted: Audit Committee, Nomination & Remuneration Committee, Stakeholders Relationship Committee

Related Party Transactions

All transactions with related parties were on arm's length basis and in ordinary course of business. No materially significant related party transactions reported.

Internal Controls and Risk Management

Company has adequate internal financial controls system and risk management framework in place. Internal audit conducted by M/s Srimal Jain & Co., Chartered Accountants.

Auditors

  • Statutory Auditors: M/s Surajit Roy & Associates, Chartered Accountants (FRN 326099E)
  • Internal Auditors: M/s Srimal Jain & Co., Chartered Accountants
  • Secretarial Auditor: Anand Khandelia, Practicing Company Secretary

Other Disclosures

  • No subsidiaries, joint ventures or associate companies
  • No deposits accepted from public
  • No change in nature of business
  • No foreign exchange earnings or outgo
  • No corporate social responsibility initiatives (not applicable)
  • No sexual harassment complaints received during the year
  • 4 permanent employees on rolls as on 31st March 2026

Financial Position Highlights (as at 31st March 2026)

  • Total Assets: ₹16,626.35 thousand
  • Loans (net of provision): ₹10,043.58 thousand
  • Investments: ₹5,844.02 thousand
  • Cash and cash equivalents: ₹1,937.01 thousand
  • Borrowings: ₹1,385.08 thousand
  • Total Equity: ₹15,203.65 thousand

Future Outlook

The company believes India remains well positioned to maintain strong economic growth supported by favourable demographics, increasing formalization, rapid digital adoption and sustained policy reforms. The long-term growth potential of the Indian lending and financial services sector remains strong.