Shareholders meeting

REF: CIL/CC/43/2026-27 September 04, 2026 To, To, The Department of Corporate Services, The Department of Corporate Services, The BSE Limited, The NSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, 5th Floor, Exchange Plaza Mumbai – 400001 Plot No. C/ 1, G Block, Bandra - Kurla Complex, Bandra (East), Mumbai - 400 051 ISIN – INE102B01014 Scrip Code: 531358 Scrip Code: CHOICEIN Sub: Intimation of Annual Report for the Financial Year 2025-26 and Notice convening the 33rd Annual General Meeting pursuant to Regulations 30 and 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Dear Sir/Madam, Pursuant to Regulations 30 and 34(1) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”), we hereby submit the Annual Report of the Company for the Financial Year 2025-26, including the Business Responsibility and Sustainability Report, together with the Notice convening the 33rd Annual General Meeting (“AGM”) of the Company, scheduled to be held on Saturday, September 26, 2026, at 12.00 Noon (IST), at ICONIQA Hotel - Mumbai International Airport, opp. T2 Terminal, Navpada, Marol, Andheri (E, Mumbai, Maharashtra 400099, in accordance with the applicable provisions of the Companies Act, 2013 and the SEBI Listing Regulations. In compliance with the applicable statutory provisions and circulars, the Annual Report, together with the Notice of the AGM for the Financial Year 2025-26, has been sent electronically to those Members whose e- mail addresses are registered with the Company, its Registrar and Share Transfer Agent (“RTA”) or their respective Depository Participants. The Annual Report, together with the Notice of the AGM for the Financial Year 2025-26, is also available on the website of the Company at https://choiceindia.com/News-and-Announcement/Choice_33rd_Annual- Report.pdf Kindly take the above information on record. Thanking You, Yours Truly, For Choice International Limited Karishma Shah (Company Secretary & Compliance Officer) Growing with Purpose. Empowering Aspirations. 33rd Annual Report 2025-26 CHOICE INTERNATIONAL LIMITED CIN : L67190MH1993PLCO71117 Sunil Patodia Tower, Plot N. 156 - 158, J B Nagar, Andheri East, Mumbai - 400 099 www.choiceindia.com CCoorrppoorraattee OOvveerrvviieeww SSttaattuuttoorryy RReeppoorrttss FFiinnaanncciiaall SSttaatteemmeennttss NNoottiiccee What’s Inside Choice. Shaping Corporate Overview Corporate overview 02 Financial Possibilities. Our Core Values 03 FY26 Highlights 04 Where purpose inspires progress. Media Presence 05 Where trust fuels growth. Geographical Presence 06 Where innovation opens new horizons. Our Work Culture 08 A financial services provider turning Founder’s Message 14 opportunity into action and ambition Our Executive Management 16 into achievement. Letter from Chairperson 18 Letter from Managing Director 20 Letter from Joint Managing Director 22 Letter from Executive Director and CEO 24 Board of Directors and Corporate Information 26 Statutory Reports Board’s Report 28 Business Responsibility and Sustainability Report 84 Business Responsibility and Sustainability Assurance 126 Management Discussion and Analysis Report 129 Corporate Governance 146 Financial Statements Standalone Audit Report & Financial Statement 182 Consolidated Auditor Report & Financial Statements 254 Notice for AGM 348 Choice. Creating value. Enabling growth. Building tomorrow. 2 | CHOICE INTERNATIONAL LIMITED AAnnnnuuaall RReeppoorrtt 22002255--2266 || 11 CCoorrppoorraattee OOvveerrvviieeww SSttaattuuttoorryy RReeppoorrttss FFiinnaanncciiaall SSttaatteemmeennttss NNoottiiccee Corporate About CHOICE Choice Group, incorporated in 1993, is a financial institution which finds its legacy in solving financial problems and bridging gaps for individuals, institutions and governments. overview Over the past two decade, the current management is committed to help our clients achieve their financial aspirations and promote value creation for society. Our Mission Our Vision Our mission is to be a trusted partner Our vision is to empower our in our clients’ financial growth, clients financially by delivering delivering thoughtful solutions that innovation and prosperity strengthen their success today and through our offerings. We aim support their aspirations for tomorrow. to keep moving forward with a By understanding their evolving needs blend of conventional wisdom and combining expertise, innovation and new ideas. and responsible practices, we strive to create lasting value for our stakeholders. Our Core Values Who we are is reflected in what we practice. Our values are the guiding light for everything we do at Choice. ommitment H O ardwork ptimism At its core, Choice is a financial institution shaped The journey of the current management over the past by a fundamental belief – that finance, when made two decade has been defined by addressing challenges accessible and inclusive can be a force for lasting across India’s financial landscape. With a purpose progress. Since our inception in 1993, we have steadily deeply rooted in enabling financial empowerment for grown from a traditional financial services provider into all, Choice designs systems that move people forward. a multi-vertical, tech-enabled conglomerate, delivering I C E integrated financial solutions. nnovation onsistency mpowerment 22 || CCHHOOIICCEE IINNTTEERRNNAATTIIOONNAALL LLIIMMIITTEEDD AAnnnnuuaall RReeppoorrtt 22002255--2266 || 33 CCoorrppoorraattee OOvveerrvviieeww SSttaattuuttoorryy RReeppoorrttss FFiinnaanncciiaall SSttaatteemmeennttss NNoottiiccee FY-26 Media Presence Offline Event Highlight In FY26, CHOICE continued its journey of scaling new heights - not just in terms of revenue and profitability, but in the quality and sustainability of Its growth. Backed by strong execution, prudent financial management, and expanding operational capacity, we delivered a performance that reflects both resilience and ambition. Our consistent focus on efficiency, capital discipline, and value creation has laid a robust foundation for enduring growth in the years ahead. Revenue EBIDTA PAT FY25 FY25 FY25 ₹9,216 Mn ₹2,959 Mn ₹1,627Mn FY26 FY26 FY26 ₹11,445Mn ₹4254Mn ₹2,379Mn 24% 44% 46% News and Print Media Social Media Presence 44 || CCHHOOIICCEE IINNTTEERRNNAATTIIOONNAALL LLIIMMIITTEEDD AAnnnnuuaall RReeppoorrtt 22002255--2266 || 55 CCoorrppoorraattee OOvveerrvviieeww SSttaattuuttoorryy RReeppoorrttss FFiinnaanncciiaall SSttaatteemmeennttss NNoottiiccee Geographical Presence At Choice , growth is measured not only by the scale of our presence, but by the breadth of opportunities we are able to create. Our journey State and UT Branches has taken us beyond India’s major urban centres, 1. Rajasthan 50 enabling us to serve the evolving financial needs Head office: of individuals and enterprises across semi-urban 2. Maharashtra 23 18 Mumbai and rural markets. 3. Gujarat 19 4. Madhya Pradesh 16 17 Branch office: 5. Kerala 16 23 6. Andhra Pradesh 9 11 7. Tamil Nadu 10 8. Uttar Pradesh 14 1 8 Project Offices: 9. West Bengal 7 14 48 10. Karnataka 5 11. Haryana 5 12. Telangana 5 13. Jharkhand 4 Our physical model brings together the 14. Bihar 8 convenience and scalability of digital 15 15. Odissa 4 platforms with the trust, proximity, and 2 responsiveness of an on-ground network. 16. Delhi 3 This enables us to engage with diverse 17. Punjab 4 customer segments, understand local 12 18. Jammu & Kashmir 2 needs, and deliver financial solutions with greater relevance and accessibility. 19. Chhattisgarh 3 As we continue to strengthen our presence 20. Assam 2 across geographies, our expanding 21. Goa 1 10 footprint reinforces our role in advancing financial inclusion and supporting the 22. Chandigarh 1 aspirations of communities and businesses 24 23. Uttrakhand 2 across India. We remain focused on building an ecosystem that is accessible, 24. Pondicherry 1 7 States [Showing first 8,000 characters — download PDF for full document]