Please find attached Annual Report 2025-26 together with Notice of AGM

September 1, 2026 The Deputy Manager Department of Corporate Services BSE Limited P. J. Towers, Dalal Street, Fort Mumbai – 400 001 Ref: Scrip Code BSE – 531737 Sub: Notice of Annual General Meeting (AGM) and Annual Report for FY 2025-26 Respected Sir or Madam, Pursuant to Regulation 30 and 34 read with Para A of Part A of Schedule III to the Securities and Exchange Board of India (Listing Obligation and Disclosure Requirement) Regulation, 2015, please find enclosed herewith the Annual Report 2025-26 together with Notice of 34th Annual General Meeting (“AGM”) of the Company scheduled to be held on Thursday, September 24, 2026 at 11.30 AM IST through Video Conferencing (“VC”)/Other Audio Visual Means (“OAVM”) in accordance with the applicable provisions of the Companies Act, 2013 (“Act, 2013”) and Ministry of Corporate Affairs (MCA) & SEBI General Circulars. The Annual Report for the Financial Year 2025-26 along with the Notice of the AGM is also made available on the Company website, viz. www.greencrestfin.com. Kindly take the above on your record. Thanking You, Yours Faithfully, For GREENCREST FINANCIAL SERVICES LIMITED SUSHIL PARAKH DIN: 02596801 MANAGING DIRECTOR Enclosed: a/a Greencrest Financial Services Limited Annual Report 2025-26 Corporate Identification No.: L65921WB1993PLC057785 BOARD OF DIRECTORS Sushil Parakh Managing Director Sunil Parakh Non - Executive Director 34th Ashish Jha Independent Director Biswanath Roychowdhury Independent Director Annual Nandini Bar Independent Director Report 2025-26 KEY MANAGERIAL PERSONNEL Praveen Kr. Gupta Company Secretary & Compliance Officer Abhijit Bose Chief Financial Officer AUDITORS Contents SGAJ & & Associates Chartered Accountants, Kolkata  AGM Notice 3  Directors' Report 17 BANKERS  Management Discussion & Analysis 28 ICICI Bank Limited  Secretarial Audit Report (MR-3) 33 HDFC Bank Limited  Form AOC-2 37  Extract of Annual Return (MGT-9) 38 REGISTERD OFFICE 8, Ganesh Chandra Avenue,  Disclosure as required under Section 42 “Saha Court”, 1st Floor, Kolkata-700 013 197(12) : +91 33 4601 2524  Corporate Governance Report 43 : greencrestfin@gmail.com  Certificate of Non-Disqualification of 63 Directors REGISTRAR & SHARE TRANSFER AGENT  Auditors’ Certificate on Corporate 66 Governance ABS Consultant Private Limited 99, Stephen House, 6th Floor  Independent Auditors' Report 68 4, B.B.D. Bag (East), Kolkata-700 001 : +91 33 2230 1043  Balance Sheet 78  Statement of Profit & Loss 79  Cash Flow Statement 80 ANNUAL GENERAL MEETING Date September 24, 2026  Notes on Financial Statements 83 Time 11.30 AM Deemed Registered Office of the Company Venue AG M will be held through Video Conferencing (VC) / Other Audio Visual Means (OAVM) Greencrest Financial Services Limited Annual Report 2025-26 N otice Notice is hereby given that the 34th Annual General Meeting of the members of GREENCREST FINANCIAL SERVICES LIMITED will be held on Thursday, September 24, 2026 at 11.30 A.M. through Video Conferencing (VC) / Other Audio Visual Means (OAVM) without the physical presence of the Members at a common venue, in compliance with Ministry of Corporate Affairs General Circular No.03/2025 dated September 22, 2025 and SEBI Circular No. SEBI/HO/CFD/CFD-PoD- /P/CIR/2024/133, dated October 3, 2024, to transact the following businesses as: ORDINARY BUSINESS: 1. To receive, consider and adopt the audited Standalone Financial Statements of the Company for the financial year ended March 31, 2026 along with the Reports of the Board of Directors and the Auditors thereon. 2. To appoint Directors in place of Mr. Sunil Parakh (DIN: 01008503), who retires by rotation, being eligible, offers himself for re-appointment. Explanation: Based on the terms of appointment, office of executive directors and the non-executive & non- independent chairman are subject to retirement by rotation. Mr. Sunil Parakh, who was appointed on March 28, 2011, whose office is liable to retire at the ensuing AGM, being eligible, seeks re-appointment. Based on performance evaluation and the recommendation of the Nomination and Remuneration Committee, the Board recommends his re-appointment. Therefore, members are requested to consider and if thought fit, to pass the following resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to the provisions of Section 152 and other applicable provisions of the Companies Act, 2013, Mr. Sunil Parakh (DIN: 01008503), who retires by rotation, be and is hereby re-appointed as a Director liable to retire by rotation.” SPECIAL BUSINESS: 3. Increase in Authorized Share Capital of the Company and consequential amendment in Memorandum of Association of the Company and to alter Capital Clause of Memorandum of Association To consider and if thought fit to pass with or without modifications the following resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to the provisions of Section 61 and other applicable provisions, if any, of the Companies Act, 2013 (including any amendment thereto or re-enactment thereof) and the Rules framed thereunder, consent of the members of the Company be and is hereby accorded for increase in the Authorized Share Capital of the Company from existing ₹ 45,50,00,000 (Rupees Forty-Five Crore Fifty Lakh) divided into 45,50,00,000 (Forty Five Crore Fifty Lakh) Equity Shares of ₹ 1/- each to ₹ 90,00,00,000 (Rupees Ninety Crore) divided into 90,00,00,000 (Ninety Crore) Equity Shares of ₹ 1/- each ranking pari-passu in all respect with the existing Equity Shares of the Company as per the Memorandum and Articles of Association of the Company. “RESOLVED FURTHER THAT pursuant to Section 13 and all other applicable provisions, if any, of the Companies Act, 2013, consent of the members of the Company be and is hereby accorded, for alteration of Clause V of the Memorandum of Association of the Company by substituting in its place the following: - V. The Authorized Capital of the Company is ₹ 90,00,00,000/- (₹ Ninety Crore) divided into 90,00,00,000 Equity shares of ₹ 1/- each with power to increase and reduce the Capital, to divide the share in the Capital for the time being into several classes and respectively such as preferential, Warrants or Special rights thereto attach privileges and conditions as may be determined by or in accordance with the regulations of the companies Act, 2013 and to vary, modify or abrogate such rights, privileges or conditions in such manner as may for the time being be provided by the regulations of the company and consolidate or sub-divide the shares and issue shares of higher denomination.” “RESOLVED FURTHER THAT approval of the Members of the Company be and is hereby accorded to the Board of Directors of the Company to do all such acts, deeds, matters and things and to take all such steps as may be required in this connection including seeking all necessary approvals to give effect to this Resolution and to settle any questions, difficulties or doubts that may arise in this regard.” Note: The Company’s Statutory Auditor, M/s. Rajesh Kumar Gokul Chandra & Associates, Chartered Accountants, Kolkata (FRN - 323891E), now known as SGAJ & & Associates, was appointed as Statutory Auditor’s for a period of five consecutive years at the 31st Annual General Meeting (AGM) of the Members held on July 26, 2023 on a remuneration mutually agreed upon by the Board of Directors and the Statutory Auditors. Greencrest Financial Services Limited Annual Report 2025-26 Pursuant to the amendments made to Section 139 of the Companies Act, 2013 by the Companies (Amendment) Act, 2017, which came into effect from 7th May 2018, the requirement of seeking ratification of the Members for the appointment of the Statutory Auditor has been withdrawn from the Statute. In view of the above, ratification of the Members for continuance of their appointment at this AGM is not being sought. The Statutory Auditors have given a confirmation to the effect that they are eligible to continu [Showing first 8,000 characters — download PDF for full document]