Enclosed herewith is the Annual Report for the FY 25-26

September 4, 2026 To, To, Listing Department The Manager – Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, ‘Exchange Plaza’ Bandra Kurla Complex, Mumbai – 400 001 Bandra (East) Mumbai 400051 Scrip Code: 508954 NSE Symbol: FINKURVE Sub: Submission of Annual Report and Notice for the Financial Year 2025-2026 Dear Sir/Madam, Pursuant to Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith copy of Annual Report for the Financial Year 2025- 2026. In accordance with the provisions of Section 108 of the Companies Act, 2013 read with Rule 20 of the Companies (Management and Administration) Rules, 2014, as amended from time to time, and Regulation 44 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Secretarial Standard on General Meetings (SS-2) issued by the Institute of Company Secretaries of India, the Company is pleased to provide e-voting facility to the Members to cast their vote electronically on all resolutions as outlined in the Notice convening the AGM. Members may cast their votes remotely, using an electronic voting system (remote e-voting), which shall be available during the following voting period: Commencement of remote e-voting Sunday, September 27, 2026, at 09:00 A.M (IST) Conclusion of remote e-voting Tuesday, September 29, 2026, at 05:00 P.M (IST) Kindly take the above on your record. Thanking You. For Finkurve Financial Services Limited Kajal Parmar Company Secretary & Compliance Officer Membership No. A65484 Encl: as above Annual Report 2025-2026 INDEX Page No. Company Information 1-4 Notice of Annual General Meeting 5-57 Director’s Report 58-72  Annexure I - Disclosures With Respect To ESOP 73-75  Annexure II – Form No. AOC-2 76  Annexure III - Annual Report on CSR activities 77-79  Annexure IV - Conservation of Energy, Technology Absorption and Foreign Exchange Earnings/Out-Go 80-81  Annexure V - Information pursuant to Section 197 of Companies Act, 2013 82-83  Annexure VI- Secretarial Audit Report 84-89 Report on Corporate Governance 90-110 Management Discussion and Analysis Report 111-118 Certificate of Non-Disqualification of Directors 119 Certificate on Corporate Governance 120-121 Certificate by Managing Director & Chief Financial Officer on Financials and other Disclosures 122- 124 Independent Audit Report 125-139 Financial Statements of the Company 140 & onwards Annual Report 2025-2026 CORPORATE INFORMATION BSE Scrip Id FINKURVE BSE Scrip Code 508954 NSE Scrip Code FINKURVE CIN L65990MH1984PLC032403 BOARD OF DIRECTORS Mr. Ketan Kothari Chairman Mr. Priyank Kothari Whole time Director Mr. Rajendran Chinna Veerappan Non-Executive Director (appointed wef April 24, 2026) Mr. Nishant Ranka Independent Director Mrs. Aastha Vishal Solanki Independent Director Mr. Himadri Bhattacharya Independent Director Mr. Raghupathi Narayanarao Cavale Independent Director KEY MANAGERIAL PERSONNEL Mr. Naveen Kottala Chief Executive Officer Mr. Aakash Jain Chief Financial Officer Mrs. Kajal Parmar Company Secretary & Compliance Officer AUDITORS STATUTORY AUDITOR SECRETARIAL AUDITOR M/s. Ladha Singhal and Associates., M/s. Mayank Arora & Co., Mumbai Mumbai Chartered Accountants Practicing Company Secretary INTERNAL AUDITOR Mrs. Sugandhi Ravi Kumar, Internal Auditor of the Company, appointed with effect from July 27, 2026)  BANKERS State Bank of India Yes Bank Limited Union Bank of India Suryoday Bank Limited ICICI Bank Limited City Union Bank Limited Bandhan Bank Limited AU Small Finance Bank Limited DCB Bank Limited CSB Bank Limited Axis Bank Limited Annual Report 2025-2026 REGISTERED OFFICE REGISTRAR & SHARE TRANSFER AGENTS Finkurve Financial Services Limited MUFG Intime India Private Limited (Formerly Add: Unit No 1, Trade Garden, 01nd Floor, known as Link Intime India Private Limited) Kamala Mills Compound, Lower Parel, C 101, 247 Park, L.B.S. Marg, Vikhroli West, Delisle Road, Mumbai, Maharashtra, 400013 Mumbai – 400083 Email id: finkurvefinancial@gmail.com Email id: rnt.helpdesk@in.mpms.mufg.com Website: www.arvog.com Website: www.in.mpms.mufg.com Telephone No.: 022 42441200 Telephone no.: +91 8108118484 Annual Report 2025-2026 Composition of Audit Committee Mr. Nishant Ranka Chairperson Mr. Priyank Kothari Member Mrs. Aastha Vishal Solanki Member Composition of Nomination and Remuneration Committee Mr. Nishant Ranka Chairperson Mr. Ketan Kothari Member Mrs. Aastha Vishal Solanki Member Composition of Stakeholder’s Relationship Committee Mr. Ketan Kothari Chairperson Mr. Nishant Ranka Member Mrs. Aastha Vishal Solanki Member Composition of Corporate Social Responsibility Committee Mr. Ketan Kothari Chairperson Mr. Nishant Ranka Member Mrs. Aastha Vishal Solanki Member Annual Report 2025-2026 NOTICE Notice is hereby given that the 42nd Annual General Meeting (‘AGM’) of the Members of Finkurve Financial Services Limited (“The Company”) will be held on Wednesday, 30th day of September, 2026 at 3.00 p.m. Indian Standard Time (“IST”), through Video Conferencing (‘VC’) / Other Audio-Visual Means (‘OAVM’) to transact the following businesses: ORDINARY BUSINESS: Item No. 1 – To approve and adopt Audited Financial Statements of the Company for the year ended March 31, 2026 along with Auditor’s Report and Board’s Report: To consider and, if thought fit, to pass with or without modification, the following resolution as an Ordinary Resolution: - “RESOLVED THAT the Audited Financial Statements of the Company for the financial year ended March 31, 2026, together with schedules and annexures thereto and the reports of Auditors and Board of Directors, as circulated to the Members and laid before meeting, be and are hereby received, considered, approved and adopted.” Item No. 2 – To Re-appoint Mr. Ketan Bhawarlal Kothari (DIN: 00230725) as a Director liable to retire by rotation To consider and, if thought fit, to pass with or without modification, the following resolution as an Ordinary Resolution: - “RESOLVED THAT pursuant to the provisions of section 152 of the Companies Act, 2013, Mr. Ketan Bhawarlal Kothari (DIN: 00230725), who retires by rotation at the 42nd Annual General Meeting and being eligible, offers himself for re-appointment, be and is hereby re-appointed as a Director of the Company, liable to retire by rotation.” SPECIAL BUSINESS: Item No. 3 – To Approve Material Related Party Transactions pertaining to grant of loans to Related Parties from the conclusion of 42nd Annual General Meeting till the conclusion of 43rd Annual General Meeting to be held in the Year 2027. To consider and, if thought fit, to pass the following Resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to Regulation 23 and other applicable Regulations of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“SEBI Listing Regulations”), and Section 188, if and to the extent applicable, and other applicable provisions of the Companies Act, 2013 (“Act”) read with the Rules framed thereunder (including any statutory modification(s) or re-enactment(s) thereof, for the time being in force), and the Company’s Policy on “Materiality of Related Party Transactions and also on dealing with Related Party Transactions”, and based on the recommendation of the Audit Committee and the approval of the Board of Directors of the Company ("Board"), the consent of the Members of the Company be and is hereby accorded to the Board (hereinafter referred to as the “Board”, which term shall include any Committee constituted by the Board or any person(s) authorised by the Board to exercise its powers, including the powers conferred by this Resolution) to enter into and/or continue with contracts, arrangements and transactions (whether an individual transaction or transactions taken together or a series of transactions or otherwise) with Relat [Showing first 8,000 characters — download PDF for full document]