Covering Letter along with Annual Report FY 2025-2026 attached

SHCL/CO/SS/F.1276(16)/26-27/628 Date: 04/09/2026 Corporate Relations Department Bombay Stock Exchange Limited 25% Floor, P.J. Towers, Dalal Street, Mumbai-400001 Scrip Code: 511533 Subject: ~ 35th Annual Report 2025-26 for the Financial Year ended March 31, 2026 of Sahara Housingfina Corporation Limited Dear Sir, This is in furtherance to our letter dated August 12, 2026 wherein we had informed that the 35t Annual General Meeting (AGM)) of the Company will be held on Friday, September 28, 2026 at 11:30 a.m. (IST). The AGM is being held via two-way Video Conference/Other Audio-Visual Means. This is in compliance with the General Circulars issued by the Ministry of Corporate Affairs dated April 08, 2020, April 13, 2020, May 05, 2020, December 28, 2022, September 25, 2023, September 19, 2024 and subsequent circulars issued in this regard, the latest being September 22, 2025 Please find enclosed herewith the 35t Annual Report of the Company for the Financial Year 2025-26 The Annual Report is available on the website of the Company at htip://www.saharahousingfina.com/misc/SHCL_Annual%20Report FY 25 26 Final.pdl The Integrated Report has been sent only through electronic mode, to those Members whose e-mail addresses are registered with the Company/Registrar and Transfer Agent/Depository Participant/ Depositories. This is in compliance with the SEBI Circulars dated May 12, 2020, January 15, 2021, May 13, 2022, January 05, 2023 and October 03, 2024 and applicable Circulars issued by Ministry of Corporate Affairs in this regard from time to time. This disclosure is being submitted pursuant to Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. This is for your information and records. Thanking You, Yours faithfully, SADHAN Sttt SARKAR il Sadhan Sarkar Director DIN: 10519231 Encl: as above SAHARA HOUSINGFINA CORPORATION LIMITED Registered & Corporate Office : 46, Dr. Sundari Mohan Avenue, Kolkata - 700 014, India, Tel.: +91 33 2289 0148 / 6708 CIN No. : L18100WB1991PLC099782. E-mail : info.saharahousingfina@gmail.com, Web : www.saharahousingfina.com CORPORATE INFORMATION BOARD OF DIRECTORS Shri Madhukar Shri Awdhesh Kumar Srivastava Shri Sadhan Sarkar Smt. Sudha Sarowgi Chief Executive Officer, Company Secretary & Compliance Officer Shri D.J. Bagchi Chief Financial Officer Shri Vivek Kapoor Senior Management Personnel Shri Anup Kumar Kirtan Credit & Operations Shri K.D. Bhattacharya System & Administration Shri Sarvesh Kumar Regional Business Head – North & West Shri S.C. Maitra Regional Business Head – East Shri R.N. Singh Regional Business Head – South Shri Sumit Basu Chief Compliance Officer (as per NHB) Statutory Auditor Internal Auditor Bankers M/s. B M Chaturvedi & Co. VCG & Company Union Bank of India Chartered Accountants 1214, Chiranjiv Tower Indian Overseas Bank 32, Jolly Maker Chambers II, 43, Nehru Place ICICI Bank Limited Nariman Point, New Delhi – 110 019 Mumbai - 400021 Registrar & Share Transfer Agent Address of the Stock Exchange MUFG Intime India Private Limited BSE Limited (Formerly Link Intime India Private Limited) Phiroze Jeejeebhoy Towers, Rasoi Court, 5th floor, Dalal Street, Mumbai – 400 001 20, Sir R N Mukherjee Road, Kolkata- 700 001 Company Stock Code – 511533 Ph: +91 33 6906 6200 International Securities Identification E-mail: kolkata@in.mpms.mufg.com (ISIN) – INE – 135C01012 Contact Person: Shri Kuntal Mustafi Debenture Trustee Rating Agency Registered & Corporate office Catalyst Trusteeship Limited Infomerics Valuation and CIN : L18100WB1991PLC099782 GDA House, Plot No.: 85, Rating Ltd. 46, Dr. Sundari Mohan Avenue, Bhusari Colony (Right) Office No. 1102-1104,B Wing, Kolkata - 700 014 Paud Road, Pune - 411038 Kanakia Wallstreet, Tel: +91 33 22896708, Fax: +91 33 22896708 Off. Andheri Kurla Road, Visit us at: www.saharahousingfina.com, Andheri (East), Mumbai -400093 Email: info.saharahousingfina@shfcl.co.in/ info.saharahousingfina@gmail.com C O N T E N T S Directors’ Report 04 Declaration Regarding Compliance by 51 Board Members and Senior Management Management Discussion & Analysis Report 24 Personnel with the Company’s Code of Report on Corporate Governance 32 Conduct Certificate of Corporate Governance 51 Hosfinas’ Financials 52 PROFILE OF DIRECTORS & KEY MANAGERIAL PERSONNEL DIRECTORS PROFILE  Shri Sadhan Sarkar (DIN: 10519231)  Shri Madhukar (DIN: 00558818) Non Executive Independent Director Non Executive Independent Director Shri Sadhan Sarkar has more than 26 years of experience. Shri Sadhan Shri Madhukar was Chairman & Managing Director of United Sarkar retired as Senior Manager- Bank of India, Govt. of India Financial Accounting from United Undertaking from 1967 to 2004 and Spirits in Dec 2017 (a group company also served as Whole Time of DIAGEO India) and served at Member, Securities & Exchange various locations i.e., Kolkata, Bihar, Board of India (SEBI) from 2004 Assam, Orissa and Nepal. to 2006. He has also worked as Consultant-Finance with M/s Global Shri Madhukar holds Master of Arts Force Management Services Pvt. Ltd with a company having in Economics and Bachelor of Laws turnover Rs 200 Cr, M/s Ashok Steel Nepal, Bharat Cement, (LLB) and has also done Project Management, Human Purulia and has also worked as a freelance as expert Resource Development (HRD) from Indian Institute of consultant in Finance & Accounts with M/s Insite Alfa R & Management, Ahmadabad, Indian Institute of Management, Solutions Pvt. Ltd, Delhi. Kolkata and International Management Institute, New Delhi. Shri Sadhan Sarkar has completed Graduation in Commerce, He was on the Board of companies like Bharat Heavy Post Graduate Diploma in Management in Finance from Electricals Limited (BHEL) from July 2006 to July 2009, IIMM Pune and Data Base Management System. Kribhco Shyam Fertilizer Ltd from Sept. 2007 to Nov 2009, He is expertise in managing cash flow, working capital, Rajasthan Infrastructure Development Company (RIDCO), financial planning, budgetary control, risk management, Government of Rajasthan Undertaking from 2008 etc. He Compliance and has vast experience in handling various has substantial experience in finance, policy, administration litigation, liasoning with Govt. Officials. and view point on the working governance of institutions both At present he is not holding any directorship position in any with government and the private sector. of the listed and unlisted company.  Shri Awdhesh Kumar Srivastava (DIN: 02323304)  Ms. Sudha Sarowgi (DIN: 10747395) Non Executive Non Independent Director Non Executive Independent Director Ms. Sudha Sarowgi is Graduate Shri Awdhesh Kumar Srivastava holds a Master in Arts and from Calcutta University. She has Bachelor's Degree in Law. He has diverse experience and expertise been part of the Sahara India in the financial planning, tax and Pariwar and has more than 36 general administration. She has years of experience with the Group. experience in financial He is on the board of various listed interpretation and analysis of /unlisted companies of the group accounts of various businesses. and has vast and rich experience in management of companies. Ms. Sudha Sarowgi also gives guidance to the business houses in Investment, Insurance, Mutual Funds, Gold bonds (MCX), helps people in financial planning as Financial Consultant. PROFILE OF DIRECTORS & KEY MANAGERIAL PERSONNEL Ms. Sudha Sarowgi actively participates in the social  Shri Vivek Kapoor and economic welfare activities i.e. she is involved in Shri Vivek Kapoor, age 57 years, holds Bachelor's degree the field of child health & education and also in woman’s in Commerce from Calcutta University and has experience education, health and empowerment of the society. of over 34 years in managing accounts, finance, and She is involved in various corporate events organized administration. In his capacity as Corporate Manager - for Child and Woman welfare. Finance & Corporate Affairs of [Showing first 8,000 characters — download PDF for full document]