Submission of 43rd Annual General Meeting of the Company for the Financial Year 2025-26

JMJ JMJ FINTECH LIMITED CIN: L51102TZ1982PLC029253 FI N T Ec H Regd Office: Shop No 3, 1st Floor, Adhi Vinayaga Complex, No 3 Bus stand, Gopalsamy Temple Street, Ganapathy, Coimbatore, Tamil Nadu, India-641006 A BSE Listed Non-Banking Financial Company Email: investor@jmifintechitd.com | Mob:7395922291/92 Date: 04th September, 2026 Department of Corporate Services. BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001 Scrip Code: BSE - 538834; ISIN: INE242Q01016 Subject: Submission of Annual Report containing Notice of 434 Annual General Meeting (AGM) for FY 2025-26 to be held on Tuesday, 29th September, 2026 at 11.30 A.M (IST) pursuant to Regulation 34 of the SEBI (LODR) Regulations, 2015. Dear Sir/Madam, The 43¢ Annual General Meeting (“AGM”) of the members of the Company will be held on Tuesday, 29" August, 2026 at 11.30 A.M (IST) through Video Conferencing (“VC”)/Other Audio Visual Means (“OAVM”) which does not require physical presence of Members at a common venue. Pursuant to Regulation 34(1) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are submitting herewith the Annual Report containing the Notice of the AGM for the financial year 2025-26 which is being sent only through electronic mode to the Members, who have registered their e- mail addresses with the Company/ Depositories. The Cut-Off Date will be Tuesday, 227 day of September 2026; The Closure of Register of Members and Share Transfer Books will be from Wednesday, 234 day of September 2026 to Tuesday, 29t day of September 2026 (both days inclusive) The e-Voting period will commence from Saturday, 26t September 2026 at 09:00 A.M. (IST) and ends on Monday, 28t of September 2026 at 05:00 P.M. (IST). This is for your information and records. Thanking You. Yours Faithfully, For JMJ FINTECH LIMITED VIDYA DAMODARAN Company Secretary & Compliance Officer ACS: 69509 ANNUAL REPORT 2025-2026 LIMITED (Formerly Known as Meenakshi Enterprises Limited) CIN : L51102TZ1982PLC029253 ® investor@jmijfintechitd.com Q) JMJFintechLtd. ®. techitd.com (@_‘J} jmifinteck FINTECH Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 CONTENTS PARTICULARS PAGE NO CORPORATE INFORMATION 03 EXECUTIVE CHAIRMAN’S MESSAGE 06 MANAGING DIRECTOR’S MESSAGE 07 NOTICE TO MEMBERS 13 DIRECTOR’S REPORT 26 AUDITOR’S REPORT 84 BALANCE SHEET 98 PROFIT & LOSS ACCOUNT 99 STATEMENT OF CASH FLOW 100 NOTES TO FINANCIAL STATEMENTS 102 FINTECH Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 FINTECH Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 CORPORATE INFORMATION BOARD OF DIRECTORS AND KEY MANAGERIAL PERSONNEL Mr. Johny Madathumpady Lonappan Executive Chairman Mr. Joju Madathumpady Johny Managing Director CA. Sivadas Chettoor Independent Director CA. Julie George Varghese Independent Director Lt. Col. Velayudhan Pillai Harikumar Independent Director CA. Methil Rajalakshmy Additional Director-Independent CS. Vidya Damodaran Company Secretary Mr. Justin Thomas O Chief Financial Officer BOARD COMMITTEES AUDIT COMMITTEE CA. Julie George Varghese Chairperson- Independent Director Mr. Johny Madathumpady Lonappan Member- Executive Chairman CA Methil Rajalakshmy Member-Additional Director (Independent & Non-Executive) NOMINATION AND REMUNERATION COMMITTEE CA. Sivadas Chettoor Chairman-Independent Director CA. Julie George Varghese Member- Independent Director CA Methil Rajalakshmy Member-Additional Director (Independent & Non-Executive) STAKEHOLDERS RELATIONSHIP COMMITTEE CA. Julie George Varghese Chairperson-Independent Director Mr. Johny Madathumpady Lonappan Member-Chairman CA Methil RajalakshmyMember- Additional Director (Independent & Non- Executive) FINTECH Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 CORPORATE SOCIAL RESPONSIBILITY COMMITTEE CA. Sivadas Chettoor Chairman- Independent Director Mr. Johny Madathumpady Lonappan Member- Executive Chairman Mr. Joju Madathumpady Johny Member- Managing Director RIGHTS ISSUE COMMITTEE CA. Sivadas Chettoor Chairman- Independent Director Lt. Col. Velayudhanpillai Harikumar Member- Independent Director Mr. Joju Madathumpady Johny Member- Managing Director STATUTORY AUDITORS SECRETARIAL AUDITORS INTERNAL AUDITOR Mrs. Priya Krishnakumar M/s. Mahesh C Solanki & Co, M/s. Lakshmmi Subramanian & Associates, Vattappilly,Patham Kallu Chaand Accf)untants Practicing Company Secretaries, ‘West,Thalikkulam, Thrissur 803, Airen Heights, PU-3, Murugesa Naicker Office Complex, Kerala 680569 Scheme No. 54, Opp No. 81, Greams Road, Thousand Lights, Malhar Mega Mall, Chennai-600 006 A B Road, Indore, Madhya Pradesh — 452010 OUR BANKERS HDFC BANK ESAF SMALL FINANCE BANK THE FEDERAL BANK Kaithotta House, New No 5, M. G Road Branch, Thrissur, Veekay Tower, Marar Road, Sait Colony, First Street, Kerala 680001 Thrissur, Kerala 680001 Chennai, Tamil Nadu, 600008 HDFC BANK AXIS BANK KOTAK MAHINDRA BANK P.O. Road, Thrissur, Kerala Panampilly Nagar,Main Ground Floor, Door No. 41/348/1, 680001 Avenue, Velachery Main Road, First Segment, Kochi, Kerala,682036 Vijayanagar, Velachery, Chennai - 600042 SOUTH INDIAN BANK Ground Floor, PCL_Centenary Building, Opp. Centre Point, Thrissur - 680 001 FINTECH Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 REGISTRAR AND SHARE TRANSFER AGENT Ms. Purva Sharegistry (India) Private Limited Shakthi Industrial Estate, Ground Floor, J.R. Boricha Marg, Opp. Kasthurba Hospital, Lower Parel, Mumbai-400011. (T) (91)-022-2301 6761/2301 8261. (F) (91)-022-23012517 Email: purvashr@mtnl.net.in STOCK EXCHANGE WHERE THE COMPANY’S SECURITIES ARE LISTED BSE Limited REGISTERED OFFICE Shop No. 3, 1st Floor, Adhi Vinayaga Complex, No. 3, Bus Stand, Gopalsamy Temple Street, Ganapathy, Coimbatore, Coimbatore North, Tamil Nadu, India, Pincode-641006 CIN: L51102TZ1982PLC029253 Email: investor@jmjfintechltd.com Website: www.jmjfintechltd.com Investor relations mail id: investor@jmjfintechltd.com. Contact Number: +91 7395922291/92 Annual Report 2025-2026 CIN: L51102TZ1982PLC029253 EXECUTIVE CHAIRMAN’S MESSAGE Mr. Johny Madathumpady Lonappan Executive Chairman Dear Stakeholders, It gives me great pleasure to present the 43rd Annual Report of JMJ Fintech Limited for the financial year 2025-26. The year has been one of continued progress and strategic transformation, as we position the Company to participate meaningfully in India’s rapidly evolving digital financial ecosystem. India’s transition towards a digital economy is creating significant opportunities in financial services, particularly through technology-enabled access to credit. Digital lending is emerging as an important enabler of financial inclusion by making credit more accessible, convenient and efficient. Recognising this changing landscape, the Company has placed digital lending at the core of its future growth strategy. As part of this strategic initiative, we have launched our digital lending platform, “Money bro”, through which we aim to provide a seamless, convenient and customer-centric borrowing experience. The platform represents an important step in our digital transformation journey and is intended to expand our reach, improve customer accessibility and create new avenues for sustainable business growth, while adhering to applicable regulatory, KYC, data protection and responsible lending requirements. Alongside our digital initiatives, we remain focused on maintaining prudent credit practices, robust risk management, operational efficiency and strong governance. We believe that the combination of our financial expertise and technology capabilities will enable JMJ Fintech Limited to build a scalable and future-ready financial services platform. As we look ahead, our vision is to grow responsibly, embrace innovation and contribute to the broader digitalisation of financial services in India. I am confident that the initiatives undertaken today will create a strong foundation for sustainable value creation in the years ahead. I sincer [Showing first 8,000 characters — download PDF for full document]