General Updates

U.Y. Finconp Limited (Formealy Known as Golden Goenka Fincorp Limited) Ref No. UYFL/092026/SE/02 Dater 08.09.2026 To, To, BSE Limited NSE Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Bandra- Kurla Complex, Mumbai- 400001 Bandra (E), Mumbai- 400 051 (Company Coder 530579) (Company Coder UYFINCoRP) Dear Sir, Sub: Notice of Book Closure and Annual Repqx! Pwsuant to Regulation 42 ofthe SEBI (Listing Obligations and Disclosure Requir€ments) Regulations, 2015, we would like to inform that the Register of Members and the Share Transfer Books ofthe Company in r€spect ofthe Equity Shares shall remain closed on and from Thusday, the 24th September, 2026 to Wednesday, the 30th Septemb€r 2026 (both days inclusive) for the purpose of 33rd Annual General Meeting of the Company to be held on 3t t\ September, 2 02 6. Further we are enclosing herewith copy of Annual Report 2025-26 in compliance of Regulation 34 of the SEBI (Listing Obligations and Disclosure Requiremenls) Regulations, 2 015 This is foryour information & record. Thanking You Yours faithfully, ForU. Y. Fincorp Limited Dinesh Buman (Executive Director) (DIN: 00612904) lEncl: As Abovel National Secu ties Central Depository Servic€s Niche Technologies P\,'t Ltd Depository Limited (NSDL) (lndia) Limited (CDSL) Registrar and Share Transfer Trade World, 4th Floor Phiroze Jeejeebhoy Towers Agent Kamala Mills Compound 26th noot Dalal Street D"511 Bagree Market Senapati Bapat Marg, Low€r Mumbai - 400023 71BRB Basu Road Parel, Mumbai - 400013 Kolkata - 700001 ReSi Kolkata - 700 00l,WestBengal, Lndja, {E+ 913346032315 Corporate Office: 7th Floor, A-Wing, Vaman Techno Centre, Marol MakwanaRd, offAndheri-Kurla Rd, Andheri (E), Munbai -400 059, N4aharasltra, tndja. + 9122 42300 800 a +9122 42 300 a44 s contact@uyfi ncorp.com, F www.uyfi ncorp.com CtN: L65993W81993PLC060377 Annual Report 2025- 2026 Content Chairman’s Message 01 Management Team 03 Corporate Information 04 Notice of Annual General Meeting 06 Directors’ Report 21 Management Discussion and Analysis Report 29 Report on Corporate Governance 34 Statement Containing Salient Feature of the Financial Statements 51 of Subsidiaries/ Associates/Joint Ventures Secretarial Audit Report 52 Particulars of Employees 55 Annual Report on Corporate Social Responsibility (CSR) Activities 56 Independent Auditors’ Report on the Standalone Financial Statements 60 Standalone Balance Sheet 70 Standalone Statement of Profit and Loss 71 Standalone Cash Flow Statement 72 Significant Accounting Policies to the Standalone Financial Statements 74 Notes to Standalone Financial Statements 82 Dear Shareholders, It gives me great pleasure and immense pride in placing before you the 33rd Annual Report of your Company for the financial year 2025-26, marking yet another important chapter in our journey of growth, transformation and value creation. The year under review was characterised by a rapidly evolving global economic environment. Geopolitical tensions, changing trade policies, commodity price volatility, elevated global debt and uncertainty in international financial markets continued to influence economic activity across regions. Despite these challenges, the global economy demonstrated resilience, supported by domestic demand, improving financial conditions and continued investment in technology and innovation. Amidst this global environment, India continued to demonstrate remarkable economic resilience. The Indian economy maintained strong growth momentum during FY 2025-26, supported by domestic consumption, investment activity, manufacturing and services. According to the Provisional Estimates released by the National Statistical Office, India's real GDP grew by 7.7% in FY 2025-26, compared with 7.1% in FY 2024-25. The financial services sector continued to be an important contributor to India's economic development. Increasing formalisation of the economy, financial inclusion, digitalisation and growing demand for organised credit have created significant opportunities for NBFCs. At the same time, the industry continues to face challenges relating to asset quality, competition, funding conditions, interest-rate movements and an evolving regulatory environment. A YEAR OF STRONG PERFORMANCE I am pleased to share that FY 2025-26 was a year of significant progress and strong financial performance for U. Y. Fincorp Limited. During the year under review, the Company achieved Revenue from Operations of ₹16,164.13 Lakhs, as against ₹11,104.61 Lakhs in the previous year. Profit Before Tax increased substantially to ₹6,664.38 Lakhs, compared with ₹1,693.88 Lakhs in FY 2024-25. Our lending portfolio also expanded meaningfully during the year, reaching ₹35,652.97 Lakhs as at March 31, 2026, compared with ₹27,457.34 Lakhs as at March 31, 2025. This growth reflects the increasing acceptance of our products and our continued efforts to expand our lending activities across identified customer segments. The significant improvement in our financial performance gives us confidence in the strength of our business model and provides a solid foundation for the next phase of our growth journey. STRENGTHENING OUR LENDING PLATFORM U. Y. Fincorp Limited has built its business around the objective of providing responsible and accessible financial solutions to businesses, entrepreneurs and individuals. Our lending portfolio comprises Corporate Loans, Micro-Enterprise Loans, Personal Loans and Loans Against Property, allowing us to address varied financing requirements across customer segments. During FY 2025-26, we further diversified our product portfolio by introducing Equipment Financing under the “GrowU.money” brand. The initiative is aimed at providing financing support to eligible businesses and entrepreneurs for acquisition of equipment and other productive assets. We believe that this product will complement our existing offerings and enable us to participate in the financing needs of growing businesses. The Company has established a pan-India presence and continues to expand its lending operations through a combination of its branch network and business partnerships. The Company has a significant operational presence in West Bengal, Uttar Pradesh and Maharashtra,, supported by its branch network, Business Correspondents, sourcing partners and sales team. We have also continued to strengthen our reach through our collaboration with Fintech Cloud Private Limited (FCPL) under the “Fundobaba” brand. Our strategy is to build a diversified and scalable lending platform while remaining focused on customer needs, prudent underwriting and sustainable returns. GROWTH WITH PRUDENCE As we expand, we remain firmly conscious that growth without quality is not sustainable. Our philosophy of “Quality and Profitability” continues to guide our business decisions. We have maintained a strong focus on credit appraisal, borrower assessment, portfolio monitoring and risk management. Our credit evaluation process considers the business, financial position, industry, management capability and repayment capacity of borrowers before credit decisions are taken. The Company's risk-management framework covers credit, liquidity, interest-rate, operational, market, strategic and reputational risks. Liquidity and interest-rate risks are monitored through regular assessment of asset and liability maturity profiles, while KYC and AML measures remain integral to our operating framework. Importantly, the Statutory Auditors, in their report for FY 2025-26, have stated that the Company's internal financial controls over financial reporting were adequate and operating effectively as at March 31, 2026. This gives us further confidence that our growth is being supported by an appropriate control and governance framework. TECHNOLOGY AND CUSTOMER SERVICE Technology is increasingly becoming an important enabler for the financial services industry. Digital onboarding, data-driven credit assessment and technology-ena [Showing first 8,000 characters — download PDF for full document]