Updates

Secretarial Department September 04, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G Phiroze Jeejeebhoy Towers Bandra Kurla Complex Dalal Street, Mumbai- 400 001 Bandra (E), Mumbai – 400 051 Symbol: FEDFINA Scrip Code: 544027 Dear Sir/Madam, Subject: Business Responsibility and Sustainability Report for the Financial Year 2025-26, pursuant to Regulation 34(2)(f) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Pursuant to Regulation 34(2)(f) of SEBI Listing Regulations, we are submitting herewith the Business Responsibility and Sustainability Report for the Financial Year 2025-26, which forms an integral part of the Annual Report of the Company for the Financial Year 2025-26. The above is submitted for your kind information and appropriate dissemination. Thanking you Yours faithfully, For Fedbank Financial Services Limited Parthasarathy Iyengar Company Secretary & Compliance Officer Membership No.: A21472 Encl.: a/a Registered & Corporate Office: Unit no. 1101, 11th Floor, Cignus, Plot No 71 A, Powai, Paspoli, Mumbai – 400087, Maharashtra. Tel: 022 68520601 ● E-mail: customercare@fedfina.com ● web: www.fedfina.com ● CIN: L65910MH1995PLC364635 PUBLIC Statutory Reports Business Responsibility & Sustainability Report SECTION A: GENERAL DISCLOSURES I. Details of the Listed Entity S. Field Details 1. Corporate Identity Number (CIN) of the Listed Entity L65910MH1995PLC364635 2. Name of the Listed Entity Fedbank Financial Services Limited 3. Year of Incorporation 1995 4. Registered Office Address Unit no. 1101, 11th Floor, Cignus, Plot No 71 A, Powai, Paspoli, Mumbai – 400087, Maharashtra 5. Corporate Address Unit no. 1101, 11th Floor, Cignus, Plot No 71 A, Powai, Paspoli, Mumbai – 400087, Maharashtra 6. E-mail customercare@fedfina.com 7. Telephone 022 68520601 8. Website www.fedfina.com 9. Financial Year for which reporting is done FY 2025-26 10. Name of Stock Exchange(s) where shares are listed BSE & NSE 11. Paid-up Capital (in `) 3,74,20,61,010/- 12. Name and contact details of the person to be contacted Anila Rajneesh for BRSR queries Contact No: - 022 6852 0638 anila.rajneesh@fedfina.com 13. Reporting Boundary — Standalone basis (only for the Standalone basis entity) or Consolidated basis? [Select: Standalone / Consolidated] 14. Name of Assurance Provider (if BRSR Core assurance Not Applicable undertaken) 15. Type of Assurance Obtained (Reasonable / Limited / N.A.) Not Applicable II. Products / Services 16. Details of Business Activities (accounting for 90% of the turnover) S. Description of Main Activity Description of Business Activity % of Turnover 1. Other Financial services - Lending Services, Gold Loan, Loan against 94.72% Lending Property, Housing Loan, Business loan etc 17. Products/Services Sold (accounting for 90% of the entity’s turnover) S. Product / Service NIC Code % of Total Turnover contributed 1. Gold Loan 64920 51% 2. Mortgaged Loan 64920 48% 3. Unsecured business loan 64920 1% III. Operations 18. Number of Locations where plants and/or operations/offices are situated Location Number of Plants Number of Offices Total National NA 757 757 International NA NA NA FEDBANK FINANCIAL SERVICES LIMITED 115 Business Responsibility & Sustainability Report (Contd.) 19 a. Markets Served by the Entity Locations Number National (No. of States) 17 International (No. of Countries) 0 b. What is the contribution of exports as a percentage of the total turnover of the entity? Not Applicable c. A brief on types of customers: F edfina is a retail-focused Non-Banking Financial Company (NBFC) serving Emerging Self-Employed Individuals (ESEIs) and Micro, Small and Medium Enterprises (MSMEs), segments that often face limited access to formal financial services due to informal income profiles, inadequate credit history, or the absence of conventional income documentation. Through its integrated “Phygital” operating model, which combines an extensive branch network with digital capabilities, the Company delivers accessible and customer-centric financial solutions across semi-urban, urban and metropolitan markets, with a significant presence in Southern and Western India. A s on 31st March, 2026, Fedfina operated 757 branches across 17 States and Union Territories with an Assets Under Management (AUM) of approximately ` 20,153 Crores. The Company’s retail lending portfolio primarily comprises secured lending products designed to address the diverse financing requirements of individuals, households and small businesses. G old Loans constitute the largest segment of the Company’s portfolio, representing approximately 51% of the lending portfolio. These loans primarily serve self-employed individuals, small business owners, traders, farmers, salaried individuals and households seeking short-term liquidity for business or personal requirements. By enabling timely access to formal credit against pledged household gold jewellery, the product supports financial resilience while reducing dependence on informal sources of finance. S mall Ticket Loans Against Property (LAP) are offered to self-employed individuals, proprietors, traders and professionals who own residential or commercial property but may not possess the formal income documentation generally required by conventional lenders. These loans facilitate access to credit for business expansion, asset creation, working capital requirements and debt consolidation, thereby supporting financial inclusion among underserved customer segments. M edium Ticket Loans Against Property (LAP) cater to relatively established self-employed individuals and small businesses operating across manufacturing, trading and service sectors with verifiable income streams and credit history. These products support long-term business growth, capital expenditure and enterprise expansion while maintaining prudent underwriting and responsible lending practices. A ffordable Housing Loans are designed to promote home ownership among individuals and families with stable but informally documented incomes, including self-employed individuals, daily wage earners and small traders. By recognising alternate income assessment mechanisms, the Company seeks to improve access to formal housing finance for customers who may otherwise remain underserved by traditional housing finance institutions. T he Company had also extended Unsecured Business Loans to eligible MSMEs requiring short-term working capital. In line with its strategic focus under Fedfina 2.0, this portfolio is being gradually phased down as the Company transitions towards a predominantly secured lending portfolio. A cross our product offerings, we serve customers who are typically underserved by conventional banking channels while maintaining robust credit appraisal and risk management processes. By expanding access to responsible and formal credit, Fedfina strives to contribute towards financial inclusion, supports entrepreneurship and micro-enterprise development, facilitates asset creation, and strengthens the financial resilience of individuals, households and small businesses. 116 Annual Report 2025-26 Statutory Reports Business Responsibility & Sustainability Report (Contd.) IV. Employees 20 a. Employees and Workers (including differently abled) — as at end of Financial Year S. Particulars Total Male Male % Female Female % No. (A) No. (B) (B/A) No. (C) (C/A) Employees 1. Permanent Employees (D) 5,303 4,433 84% 870 16% 2. Other than Permanent Employees (E) - - - - - 3. Total Employees (D+E) 5,303 4,433 84% 870 16% Workers 4. Permanent Workers (F) NA 5. Other than Permanent Workers (G) 412 378 92% 34 8% 6. Total Workers (F+G) 412 378 92% 34 8% b. Differently Abled Employees and Workers S. Total Male Female Particulars No. (A) No. (B) % (B/A) No. (C) % (C/A) Differently Abled Employees 1. Permanent (D) 0 0 0 0 0 2. Other than Permanent (E) - - - - - 3. Total Differently Abled Employees ( [Showing first 8,000 characters — download PDF for full document]