The Notice of 38th Annual General Meeting and Annual Report for Financial Year 31st Mar, 2026

CIN No.: L74899DL1988PLC076648 Regd. Office: Khasra No. 10/2, Samalka, New Delhi- 110037 Corporate Office: TR-205 2nd Floor, A-100, Sector-58 Noida, Uttar Pradesh- 201301 Phone: +91 9105535135 E-Mail: info@isflimited.in Website: www.isflimited.in To, Date: 02.09.2026 The Secretary Listing Department Bombay Stock Exchange Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001 Scrip code: 526859 Sub: Submission of Annual Report 2025-2026 under Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Dear Sir/Ma’am, Pursuant to Regulation 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the 38th Annual Report for the year ended March 31, 2026 along with the Notice of the Annual General Meeting to be held on Monday, 28th September, 2026 at 04:00 PM through video conferencing (VC) or other visual audio means (OVAM). The Annual Report for the financial year 2025-2026 uploaded on the website of the company i.e., https://isflimited.in/ Please take the same in your records For and on behalf of ISF Limited Puja Arora Mehrotra Company Secretary and Compliance Officer Risk You - As Team Work Management Customer First Task Sustainability Orientations TABLE OF CONTENTS Company overview About ISF Limited 01 Who We Are 01 Our Mission 01 Our Commitment 02 How do we Fulfil 02 Our Journey So Far 03 Our Strategic Partners 03 Message from CEO 04 Corporate Information 05 Statutory Reports Notice of AGM 06 Board Reports 16 Management Discussion And Analysis 27 Annexures to the Board Report 31 Auditor’s certificate on Corporate Governance 36 CFO Certification 37 Declaration for Compliance of Code of Conduct 37 Financial Statements Independent Auditors Report 38 Standalone Financial Statement 46 About ISF Limited Over 38 years of empowering entrepreneurs and businesses through flexible, innovative, and responsible financial solutions. Who We Are ISF Limited is an RBI-registered Non-Banking Financial Company (NBFC) with a strong legacy of over three decades in the Indian financial services sector. Incorporated in 1988, the Company is listed on the Bombay Stock Exchange (BSE) and is engaged in providing innovative and customer-focused financial solutions to individuals, entrepreneurs, and MSMEs. The Company focuses on niche lending segments such as electric vehicle financing, battery financing, small business funding with emphasis on women microentrepreneurs, invoice discounting, and supply chain finance. By leveraging digital processes and strategic partnerships, ISF Limited aims to provide accessible, efficient, and responsible financing solutions while maintaining robust governance and risk management practices. Our Mission We aim to build enduring TRUST with our customers, partners, and employees by delivering exceptional financial solutions grounded in integrity, transparency, and professionalism. We strive to create long-lasting value and contribute meaningfully to the grass-root communities we serve. We believe that access to timely, transparent, and affordable credit is a catalyst for transformation. 1 Annual Report 2025-2026 What We Do Buiilding stronger businesses. Empowering communities. Creating a sustainable tomorrow. Our Commitment Supporting women's economic empowerment Building financial literacy and inclusion in and gender-inclusive entrepreneurship. underserved regions. Promoting environmental sustainability Advancing India's growth trajectory through through green finance initiatives. MSME and manufacturing support. With a foundation built on trust, transparency, and customer-centricity, ISF Limited is positioned to be a catalyst for inclusive economic transformation. As we continue our journey, we remain dedicated to creating lasting value for all stakeholders while building a stronger, more prosperous India. How do we Fulfil Women MSME Supply Chain Green Digital Entrepreneurship Financing Finance Finance Lending Short-tenor Credit based on Tailored solutions Funding sustainable Technology-driven micro-credit solutions business potential including sales bill sectors including quick, reliable, and enabling women rather than collateral, discounting that E-rickshaw and efficient digital microentrepreneurs to supporting establish and scale optimize cash flow battery financing, lending solutions manufacturing, their businesses, management and green supply chains, making financial exports, and fostering economic investments to enable faster and sustainable inclusion hassle-free independence in rural and semi-urban position small decision-making for transportation for businesses of all communities. businesses as global businesses. solutions. sizes. players. 2 Annual Report 2025-2026 3 Annual Report 2025-2026 4 Annual Report 2025-2026 csparulagwl@gmail.com +91 - 9625982325 5 Annual Report 2025-2026 NOTICE is hereby given that the Thirty-Eighth (38th) Annual General Meeting ("AGM") of the Members of ISF Limited ("the Company") will be held on Monday, September 28, 2026, at 4:00 P.M. (IST) through Video Conferencing ("VC") / Other Audio Visual Means ("OAVM"), in compliance with the provisions of the Companies Act, 2013, the Rules made thereunder, applicable SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and the relevant circulars issued by the Ministry of Corporate Affairs and the Securities and Exchange Board of India, to transact the following business: Item No. 1: Adoption of Audited Financial Statements for the Financial Year ended March 31, 2026 To receive, consider and adopt the Audited Standalone Financial Statements of the Company for the financial year ended March 31, 2026 together with the Reports of the Board of Directors and the Statutory Auditors thereon and, in this regard, to consider and, if thought fit, pass the following resolution as an Ordinary Resolution: "RESOLVED THAT the Audited Standalone Financial Statements of the Company for the financial year ended March 31, 2026 together with the Reports of the Board of Directors and the Statutory Auditors thereon, as circulated to the Members, be and are hereby received, considered and adopted." Item No. 2: Proposed appointment of Mr. Anil Kumar Verma (DIN: 10455548) as Whole-time Director (Executive Director) of the Company To consider and, if thought fit, pass the following resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to the provisions of Sections 152, 196, 197, 198, 203 and other applicable provisions, if any, of the Companies Act, 2013 (“Act”), read with Schedule V to the Act and the Rules made thereunder, the applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the applicable provisions of the regulations and directions governing Non-Banking Financial Companies issued by the Reserve Bank of India (“RBI”), and subject to the approval of the RBI and such other approvals, permissions and sanctions as may be required, and pursuant to the recommendation of the Nomination and Remuneration Committee and approval of the Board of Directors, the consent of the Members be and is hereby accorded for the proposed appointment of Mr. Anil Kumar Verma (DIN: 10455548) as Whole-time Director (Executive Director) of the Company for a term of up to five (5) years, with effect from such date as may be approved by the RBI, on such terms and conditions including remuneration as may be approved by the Board of Directors and subject to the applicable provisions of the Act and RBI regulations/directions. RESOLVED FURTHER THAT Mr. Anil Kumar Verma shall not be liable to retire by rotation during his tenure as Whole-time Director, subject to the applicable provisions of the Companies Act, 2013 and other applicable laws. RESOLVED FURTHER THAT any Director and/or the Company Secretary of the Company be and are hereby severally authorised to do all such acts, deeds, matters and things and execute all documents, for [Showing first 8,000 characters — download PDF for full document]