Please find enclosed the Annual Report for the Year 2025-26

September 08, 2026 To, To, BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra-Kurla Complex, Dalal Street, Mumbai – 400001 Bandra (E), Mumbai - 400051 Scrip Code: 532372 Symbol: VIRINCHI Dear Sir/Madam, Subject : Submission of Annual Report along with Notice of 37th Annual General Meeting (AGM) of the Company for financial year 2025-2026 Pursuant to Regulation 30 & 34 of the SEBI (Listing Obligations and Disclosure Requirements), Regulations, 2015, please find enclosed herewith the Notice convening 37th Annual General Meeting (AGM) of the Members of Virinchi Limited (‘the Company”) scheduled to be held on Wednesday, September 30, 2026 at 12.30 P.M. (IST) through Video Conferencing (VC)/Other Audio-Visual Means (OAVM) and Annual Report for the financial year 2025-2026. The same is also made available on the website of the Company at www.virinchi.com. Further, in terms of Section 108 of the Companies Act, 2013 read with Rule 20 of the Companies (Management & Administration) Rules, 2014 and Regulation 44 of SEBI (LODR) Regulations, 2015, the Company will provide to its members the facility to cast their vote(s) on all resolutions set forth in the Notice by electronic means ("e-voting") or voting through electronic means during the AGM, on the businesses specified in the Notice convening the 37th AGM of the Company. This is for your information and records. Thanking You, Yours faithfully For Virinchi Limited K Ravindranath Tagore Company Secretary M.No.A18894 Encl. as above Virinchi Limited — Annual Report FY 2025-26 ANNUAL REPORT I FY 2025 - 26 INTELLIGENCE TO ACTION REIMAGINING CARE & CREDIT VIRINCHI LIMITED | ANNUAL REPORT 2025-26 Virinchi Limited — Annual Report FY 2025-26 ANNUAL REPORT CONTENTS A connected view of our businesses, performance and progress. 01 02 03 Forward-looking Statement Context, Scope & FY26 at a Glance Group Structure & Corporate Overview Context for future-oriented disclosures Year, reporting boundary and key indicators Ownership, presence and platform PAGE 3 PAGES 4–5 PAGES 6–7 04 05 06 Intelligence to Action Financial Snapshot Vice Chairman's Statement Reimagining care and credit Performance across three years A leadership perspective PAGE 8 PAGE 10 PAGE 13 07 08 09 Artificial Intelligence Business Drivers Healthcare Business From possibility to impact The foundations of progress Connected and personalised care PAGE 15 PAGE 18 PAGE 20 10 11 12 SaaS Business — QFund IDC and IT Services Management Discussion & Analysis Smarter credit decisions Secure digital infrastructure Performance, outlook and risk PAGE 24 PAGE 27 PAGE 29 13 14 15 Notice of Annual General Meeting Board's Report Corporate Governance Shareholder participation Governance and accountability Responsible stewardship PAGE 39 PAGE 51 PAGE 77 16 17 18 Standalone Financial Statements Consolidated Financial Statements Corporate Information Independent financial position Complete Group performance Leadership and statutory contacts PAGE 99 PAGE 140 PAGE 179 VIRINCHI LIMITED | ANNUAL REPORT 2025-26 • 2 Virinchi Limited — Annual Report FY 2025-26 ANNUAL REPORT FORWARD-LOOKING STATEMENT Context for reading our expectations, assumptions and future-oriented disclosures. SCOPE In this Annual Report, we have disclosed forward-looking information to enable investors to comprehend our prospects and take informed investment decisions. This report and other statements - written and oral - that we periodically make, contain forward-looking statements that set out anticipated results based on the management’s plans and assumptions. IDENTIFICATION We have tried wherever possible to identify such statements by using words such as ‘anticipates’, ‘estimates’, ‘expects’, ‘projects’, ‘intends’, ‘plans’, ‘believes’ and words of similar substance in connection with any discussion of future performance. We cannot guarantee that these forward- looking statements will be realised, although we believe we have been prudent in our assumptions. ASSUMPTIONS & UNCERTAINTY The achievement of results is subject to risks, uncertainties and even inaccurate assumptions. Should known or unknown risks or uncertainties materialise, or should underlying assumptions prove inaccurate, actual results could vary materially from those anticipated, estimated or projected. UPDATES Readers should bear this in mind. We undertake no obligation to publicly update any forward- looking statements, whether as a result of new information, future events or otherwise. VIRINCHI LIMITED | ANNUAL REPORT 2025-26 • 3 Virinchi Limited — Annual Report FY 2025-26 THE YEAR IN CONTEXT FY 2025-26 FY 2025-26 was a year marked by growth across the business, alongside a one-time write-off at the standalone level. At the consolidated level, the Group reported a loss of ₹26.12 crore, compared with a marginal profit in the previous financial year. The reported consolidated performance reflects the impact of the write-off and related exceptional factors during the year, while the underlying businesses continued to focus on growth and strengthening their operating performance. The SaaS platform business grew 15.5% and remains the highest-margin engine in the Group; healthcare ownership was restructured with the promoter infusing fresh capital into the business and acquiring a 49% stake, while Virinchi Limited continues to hold 51%; aged receivables were written off rather than carried forward; and the balance sheet was strengthened through a ₹64.51 crore warrant issue. REPORT SCOPE Reporting boundary and period This Annual Report covers Virinchi Limited and its subsidiaries for the financial year 1 April 2025 to 31 March 2026. Standalone financial statements cover Virinchi Limited on a stand-alone basis; Consolidated financial statements cover Virinchi Limited together with its subsidiaries as listed in Form AOC-1. Operational and strategic commentary on QFund, IDC & IT Services and vCard relates to businesses conducted directly by Virinchi Limited and its wholly owned subsidiary KSoft Systems Inc.; commentary on Virinchi Hospitals relates to Virinchi Health Care Private Limited, a subsidiary in which the Company's shareholding was reduced from 100% to 51% due to promoter acquisition of 49% stake through fresh equity infusion into Virinchi Health Care Private Limited. Post-balance-sheet events up to the date of this report's most recent revision, including the slump-sale approval obtained by postal ballot on 12 August 2026, are disclosed where relevant. VIRINCHI LIMITED | ANNUAL REPORT 2025-26 • 4 Virinchi Limited — Annual Report FY 2025-26 STANDALONE VERSUS CONSOLIDATED Two reporting lenses. One complete understanding. STANDALONE THE BRIDGE CONSOLIDATED Listed entity Why results differ Economic group Principally QFund SaaS and IT-enabled Standalone shows a profit; Includes all Form AOC-1 subsidiaries, services. Healthcare and IDC & IT Consolidated shows a loss because including Virinchi Health Care Private Services sit inside subsidiaries. subsidiary performance is included at Limited (51%) and KSoft Systems Inc. Group level. (100%). FY 2025-26 AT A GLANCE A statistical view of scale, performance and portfolio mix. ₹284.36 Cr ₹286.13 Cr Consolidated revenue from operations | FY 2024-25: Consolidated total income | FY 2024-25: ₹308.30 Cr | ₹301.13 Cr | (5.57)% (7.19)% ₹183.38 Cr ₹(26.12) Cr Standalone total income | FY 2024-25: ₹153.41 Cr | Consolidated PAT | FY 2024-25: ₹0.72 Cr | (3707)% +19.54% ₹13.98 Cr ₹153.94 Cr Standalone PAT | FY 2024-25: ₹16.04 Cr | (12.84)% QFund SaaS revenue | FY 2024-25: ₹133.37 Cr | +15.42% ₹79.99 Cr 0.29x Healthcare services revenue | FY 2024-25: ₹104.15 Cr | Consolidated debt-equity | FY 2024-25: 0.34x | Improved (23.20)% VIRINCHI LIMITED | ANNUAL REPORT 2025-26 • 5 Virinchi Limited — Annual Report FY 2025-26 GROUP STRUCTURE Ownership and principal activities across the Group. SUBSIDIARY HOLDING PRINCIPAL ACTIVITY KSoft Systems Inc. (USA) 100% IDC & IT [Showing first 8,000 characters — download PDF for full document]