Pursuant to Regulation 34 of the SEBI Listing Regulations, we enclosed herewith 45th Annual Report for the financial year 2025-26 of the Company.

Ref No: DFL/SEC/2026-27/26 Date: September 01, 2026 The Manager, Department of Corporate Services, BSE Limited, Phirozee Jeejeeboy Towers, Dalal Street, Fort, Mumbai – 400 001 Scrip Code: 512048 Dear Sir/Ma’am, Subject: Annual Report for the financial year 2025-26 along with the Notice convening 45th Annual General Meeting of DhanSafal Finserve Limited (“the Company”). Pursuant to Regulation 34(1) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby enclose herewith copy of Annual Report for the financial year 2025-26 along with the Notice convening 45th Annual General Meeting of the Company. The Annual Report along with Notice is being sent electronically to those shareholders whose e-mail address is registered with the Company’s Registrar and Share Transfer Agent or their Depository Participant. The aforesaid Annual Report along with the Notice is available on the website of the Company at www.dhansafal.com/annual-reports and on the website of National Securities Depository Limited, the agency for providing e-voting services, at www.evoting.nsdl.com. You are requested to take the above information on record. Thanking you. Yours faithfully, For DhanSafal Finserve Limited Ankur Agrawal Managing Director DIN: 06408167 Encl: A/a Aspirations into Achievement 45th Annual Report | FY 2025-26 Forward Looking Statement Index Certain statements in this report regarding DhanSafal Finserve Limited's future growth prospects are forward-looking statements. These statements involve risks and uncertainties that may cause actual results or outcomes to differ materially from those expressed or implied. Factors that could affect the company's performance include fluctuations in earnings, our ability to effectively manage growth, evolving regulations in the financial and infrastructure sectors, intense competition, Corporate Overview interest rate volatility, and economic conditions impacting credit demand and real estate investments. Additionally, risks arise from our capacity to attract and retain skilled professionals, Corporate Information 02 manage operational and compliance challenges, secure financing as planned, and adapt to changes in government policies. DhanSafal Finserve Limited undertakes no obligation to update Every Dream Deserves the Right Financial Partner 04 any forward-looking statements made from time to time, whether as a result of new information, Chairperson’s Speech 08 future events, or otherwise. CEO’s Message 10 Solutions Designed Around Real Needs 14 Scope of Report Statutory Reports Notice 22 At DhanSafal Finserve Limited [formerly known as Luharuka Media & Infra Limited], FY 2025–26 marked the commencement of our 45th year, representing an important milestone in our journey Directors’ Report & Annexures 85 and a renewed focus on building an institution anchored in trust, responsible growth and sound Corporate Governance Report 104 governance. As we continue to evolve with the changing needs of our stakeholders, our Annual Report presents a holistic view of our business, performance, strategic direction and the Management Discussion & Analysis Report 133 foundations on which we seek to create enduring value. Our approach is guided by the belief that sustainable growth is built through a strong Financial Statements understanding of customers, disciplined capital deployment and responsible financial practices. At DhanSafal, we are progressively expanding our lending capabilities to serve the evolving Independent Auditor’s Report 144 requirements of businesses and individuals. Through a growing suite of secured and asset-backed Balance Sheet 154 financing solutions, including property-backed lending and other tailored credit offerings, we seek to provide accessible and structured financing while maintaining a prudent approach to risk and Statement of Profit and Loss 155 capital. Cash Flow Statement 156 This Annual Report goes beyond presenting financial performance. It reflects our journey of Notes on Financial Statements 159 strengthening capabilities, broadening our product proposition and building a more agile and customer-focused financial institution. Through a combination of financial disclosures, business insights, charts and infographics, the Report seeks to provide stakeholders with a clear and meaningful perspective on our performance, priorities and progress. The reporting period covered by this Annual Report is April 1, 2025 to March 31, 2026. Certain information and data presented herein may include management estimates and forward-looking assessments and may be subject to revision or updating in subsequent reporting periods. Throughout this Report, “DhanSafal”, “DhanSafal Finserve” and “DFL” refer interchangeably to DhanSafal Finserve Limited, unless otherwise stated. Corporate Overview Corporate Information Corporate Governance at a Glance Board Of Director and Key Managerial Personnel Mr. Ankur Anil Agrawal : Managing Director & Chairperson Mrs. Apeksha Santosh Kadam : Non-Executive Non-Independent Director Mr. Harsh Kedia : Non-Executive Independent Director Mr. Raghunath Narasimhachar Patel : Non-Executive Independent Director Mr. Bobby Singh Chandel : Chief Executive Officer Mr. Shailendra Kumar Gupta : Chief Operating Officer Mr. Pravin Gupta : Chief Financial Officer Ms. Nishi M. Shah : Company Secretary & Compliance Officer Registered Office CIN G-1402, Lotus Corporate Park, Jay Coach Area, L65100MH1981PLC044094 Goregaon East, Mumbai - 400 063 Tel: +91-022-6894-8508/09 | Fax: +91-22-28892527 Email: info@dhansafal.com | Website: www.dhansafal.com Statutory Auditor Internal Auditor Secretarial Auditor M/s. ARCK & Co, M/s. AHSP & Co. LLP, M/s. Mitesh J. Shah & Associates, Chartered Accountants Chartered Accountants Company Secretaries 4455 Annual General Registrars and Share Transfer Agent Bankers Meeting M/s. Adroit Corporate Services Private Limited 18-20, 1st floor, Plot No 639, Makwana Road, Marol, Andheri (E), Mumbai – 400 059 Tel: (022) 42270400 | Fax: (022) 28503748 Website: www.adroitcorporate.com DAY & DATE TIME VENUE Email ID: info@adroitcorporate.com Wednesday, 11:00 AM Through Video Conferencing (“VC”) September 23, 2026 (IST) /Other Audio Visual Means (“OAVM”) 02 Annual Report 2025-26 DhanSafal Finserve Limited 03 Corporate Overview Every Dream Deserves the Financial empowerment begins with Right Financial Partner accessible opportunities and Making credit more accessible. trusted partnerships. Making aspirations more achievable. Every ambition begins with an opportunity. For entrepreneurs, small businesses and individuals alike, timely access to finance can be the difference between an idea that waits and one that moves forward. DhanSafal Finserve Limited exists to make that opportunity more accessible. DhanSafal Finserve Limited is a digitally enabled, customer-focused Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. The transition to DhanSafal reflects our commitment to delivering trusted, accessible and responsible financial solutions tailored to the evolving needs of today's borrowers. Positioned between the organised banking sector and local money lenders, we provide flexible and efficient financing solutions for individuals, entrepreneurs and MSMEs. Our lending portfolio includes Safal Udyog Loans, Safal MSME Loans and Safal Sampati Loans (Loan Against Property), supporting business expansion, working capital and other financial requirements. Driven by responsible lending, technology-enabled processes and a customer-first approach, DhanSafal continues to expand its reach while delivering transparent, dependable and accessible credit solutions. We remain committed to empowering aspirations, fostering financial inclusion and creating sustainable value for our customers and stakeholders. 04 Annual Report 2025-26 DhanSafal Finserve Limited 05 Corporate Overview Purpose Progress ThThaatt EEnndduurreess [Showing first 8,000 characters — download PDF for full document]