Shareholders meeting

September 01, 2026 To, To, National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Fort Bandra (East), Mumbai - 400 051 Mumbai- 400 001 Scrip Symbol: MANBA Scrip Code: 544262 Sub: Annual Report for the Financial Year 2025-26 containing Notice of the 30th Annual General Meeting pursuant to Regulation 30, 34 and 53 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”). We wish to inform you that the 30th Annual General Meeting (“AGM”) of the Company will be held on Saturday, September 26, 2026, at 01:00 P.M through Video Conferencing (“VC”) /Other Audio- Visual Means (“OAVM”). Pursuant to Regulation 30, 34, 50 and 53 read with Paragraph A of Part A of Schedule III of SEBI Listing Regulations, we are enclosing herewith the following: I) Annual Report of the Company for the Financial Year (FY) ended March 31, 2026 II) Notice of the AGM of the Company (including e-voting instructions). The Annual Report for the FY 2025-26 and the Notice of the AGM is available on the Company's website at the link i.e., https://www.manbafinance.com/investor-financials. Further, in compliance with circulars issued by the Ministry of Corporate Affairs (“MCA Circulars”) and the Securities and Exchange Board of India (“SEBI Circulars”), copies of the Annual Report for the FY 2025-26 and Notice of the AGM of the Company (including E-voting instructions) are being sent through electronic mode to all the Members whose email addresses are registered with the Registrar and Share Transfer Agent viz. MUFG Intime India Private Limited( Formerly known as Link Intime India Private Limited) (‘RTA/MUFG’) or the Depository Participant(s) (‘DP’). Further, in accordance with Regulation 36(1)(b) of the SEBI Listing Regulations, a letter will be sent to the shareholders whose e-mail addresses are not registered with the RTA/DP, providing a web-link, including the exact path to access the Annual Report for the FY 2025-26. We hereby request you to take the above information on record. Thanking You, For Manba Finance Limited Bhavisha Jain Company Secretary and Compliance Officer ACS: A44249 Encl.: As above xpanding Reach. Strengthening Trust. Two-Wheeler Loans Three-Wheeler Loans Used Car Loans Personal Loan Small Business Loan Electric Vehicle Loan Annual Report 2025-26 xpanding Reach. Content Strengthening Trust. CORPORATE OVERVIEW STATUTORY REPORTS 2 Value Created 14 Business Model 29 Director’s Report and for Stakeholders its Annexures 16 Technology 4 About Manba Finance 18 Strategic Priorities 38 Corporate Growth is most meaningful when it is built on trust. At Manba Finance, every step towards 6 Product Portfolio Governance Report expanding our reach is guided by our commitment to responsible lending, customer- 20 People 56 Management Discussion centricity and operational excellence. As we deepen our presence across existing markets 8 Presence 22 Corporate and Analysis and extend into new geographies, we continue to broaden access to timely, affordable 10 Managing Social Responsibility and inclusive financial solutions that empower individuals, entrepreneurs and businesses FINANCIAL STATEMENTS Director’s Message to achieve their aspirations. 24 Governance 70 Standalone 12 Key Performance Our growth strategy goes beyond geographic expansion. It is anchored in strengthening 26 Board of Directors Indicators our distribution network, leveraging technology to deliver faster and seamless customer experiences, diversifying our product portfolio and maintaining disciplined risk management. By combining digital innovation with prudent underwriting and robust governance, we continue to enhance operational efficiency while preserving the quality and resilience of our lending portfolio. 25-26 Highlights Equally important is the trust we have earned from our customers, dealer partners, lending institutions, employees and shareholders. These enduring relationships form the foundation of our success and inspire us to consistently deliver with integrity, I I I transparency and accountability. As we continue to scale our business, we remain 17,127 Mn 9,769 Mn 1,616 Mn committed to creating sustainable value for all stakeholders while contributing to greater financial inclusion and economic progress. Assets Under Management (AUM) Disbursements Net Interest Income (28.6% Y-o-Y growth) (16.0% Y-o-Y growth) (24.3% Y-o-Y growth) Expanding our reach is about creating new opportunities. Strengthening trust is about ensuring those opportunities 454 Mn 3.33% 2.46% endure. Together, they define our journey towards building a resilient, future-ready financial institution. Profit After Tax Gross NPA Net NPA Value Created for Stakeholders reating At Manba Finance, value creation extends beyond financing. C Through responsible lending, customer-centric solutions, robust governance, digital innovation and a commitment to financial Value with Purpose inclusion, we create long-term value for customers, investors, employees, partners and the communities we serve. Customers People Technology and operations We empower individuals and We foster an inclusive, high- small businesses with accessible, performance workplace by investing We leverage digital platforms, data transparent and technology-enabled in employee development, well- analytics and process automation financing solutions, enabling them being and leadership, enabling to enhance customer experience, to achieve their aspirations while our people to drive innovation improve operational efficiency and promoting responsible borrowing. and deliver superior customer strengthen risk management. experiences. CCRREEAATTININGG V VAALLUUEE CREATING VALUE CCRREEAATTININGG V VAALLUUEE Investors Business partners Community 2,29,516 Employee engagement 90%+ We focus on delivering sustainable initiatives foster an inclusive We build long-term partnerships We contribute to inclusive growth Number of active customers growth through prudent risk workplace that supports with dealers, OEMs, financial of loans approved on the same day by promoting financial inclusion, 16% management, disciplined capital women’s participation, growth institutions and distribution 90%+ supporting community development allocation, strong governance and leadership. partners, strengthening our reach and advancing responsible business Disbursement growth and consistent financial and delivering seamless financing Secured portfolio practices that create lasting social performance, creating long-term solutions across markets. impact. shareholder value. CCRREEAATTININGG V VAALLUUEE CCRREEAATTININGG V VAALLUUEE CCRREEAATTININGG V VAALLUUEE 28.6% 1,596 75 Lakhs AUM growth Dealers CSR spend 20.1% 130 We advance inclusive growth PAT growth Branch network by supporting education through library initiatives for 24.46% underserved communities. Capital Adequacy Ratio (CRAR) Corporate Overview Statutory Reports Financial Statements Annual Report 2025-26 About Manba Finance uilding Trust. B Mission Vision Manba Finance merges innovation with empathy, Our vision is anchored in a digitally advanced India, Enabling Progress. utilising technology to deliver rapid loan solutions, where financial solutions are effortless and swift for fostering an unbreakable bond throughout your everyone. Our commitment to providing paperless, financial expedition. hassle-free and quick finance solutions is paralleled by our dedication to social responsibility, amplifying positive change within society. Manba Finance Limited is a retail-focused NBFC dedicated to bridging the credit gap for India's aspiring consumers and small businesses. By delivering accessible, flexible and need-based financing solutions, the Company enables customers to achieve Values their mobility, entrepreneurial and personal financial aspirations. Integrity Commitment Reliable & Ethical Proactive Innovation Its diversified le [Showing first 8,000 characters — download PDF for full document]