General Updates

18th June, 2026 To To National Stock Exchange of India Limited, BSE Limited Exchange Plaza, Plot No. C/1, G Block, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Bandra (East), 21st Floor, Dalal Street, Mumbai – 400051 Mumbai – 400001 NSE Symbol: SBFC BSE Scrip Code: 543959 Sub: Business Responsibility and Sustainability Report for the financial year 2025-26 Dear Sir/Madam, Pursuant to Regulations 34(2)(f) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Business Responsibility and Sustainability Report for FY 2025-26, which forms an integral part of the Annual Report of the Company for FY 2025-26 of the Company. You are requested to take the same on record. Thanking you, Yours faithfully, For SBFC Finance Limited Narayan Barasia Chief Financial Officer Encl: As above SBFC Finance Limited Registered Office: Unit No. 103, 1st Floor, C&B Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East) Mumbai - 400 059 T.: +91-22-67875300 • F : +91-22-67875334 • www.SBFC.com • complianceofficer@sbfc.com CIN No: L67190MH2008PLC178270 134 SBFC Finance Limited | Annual Report 2026 Setting the Scene Strategy & Performance ESG & Impact Reports & Financials 135 Directors’ Report (continued) Annexure – XI III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated Business Responsibility and Sustainability Report Location Number of offices Number of branches Total National 2 251 253 International 0 0 0 Section A: General Disclosures 19. Markets served by the entity I. Details of the listed Entity i. Number of locations 1. Corporate Identity Number (CIN) L67190MH2008PLC178270 2. Name of the Listed Entity SBFC Finance Limited Location Number of plants 3. Date of Incorporation 2008-01-25 National (No. of States) 18 States and 2 Union Territory 4. Registered office address Unit No 103 1st Floor C&B Square Sangam Complex Andheri Kurla International (No. of Countries) 0 Road Village Chakala Andheri East Mumbai 400059 ii. What is the contribution of exports as a percentage of the total turnover of the entity? 5. Corporate Address Unit No 103 1st Floor C&B Square Sangam Complex Andheri Kurla Road Village Chakala Andheri East Mumbai 400059 Not Applicable 6. E-mail address companysecretary@sbfc.com iii. A brief on types of customers 7. Telephone No. 91-22-67875300 Our customers primarily comprise of entrepreneurs, small business owners, self-employed individuals as well as salaried 8. Website www.sbfc.com and working-class individuals who are underserved. 9. Financial year for which reporting is being done April 1st 2025 – March 31st 2026 IV. Employees 10. Name of the Stock Exchange(s) where shares are listed NSE, BSE 20. Details as at the end of Financial Year 11. Paid-up Capital (in INR) 1,106,414,229 shares of face value of ₹10 each amounting to i. Employees (including differently abled) ₹11,064,142,290 as of March 31, 2026. 12. Name and contact details of the person who may be Particulars Total (A) Male Female Name of the contact person Shekhar Bhoral contacted in case of any queries on the BRSR report Contact number of the +91-8894348622 No. (B) % (B/A) No. (C) % (C/A) contact person Permanent (E) 3302 3003 90.94% 299 9.06% Email of the contact person shekhar.bhoral@sbfc.com Other than Permanent (F) 1842 1691 91.80% 151 8.20% 13. Reporting boundary - Are the disclosures under Standalone basis Total employees (E+F) 5144 4694 91.25% 450 8.75% this report made on a standalone basis (i.e. only for ii. Differently abled employees the entity) or on a consolidated basis (i.e. for the entity and all the entities which form a part of its consolidated financial statements, taken together). Particulars Total Male Female 14. Name of assurance provider Not Applicable (A) No. (B) % (B/A) No. (C) % (C/A) 15. Type of assurance obtained Not Applicable Permanent (D)* 3302 1 0.03% 0 0% Other than permanent (E) 1842 0 0.00% 0 0% II. Products/Services Total employees(D + E) 5144 1 0.02% 0 0% 16. Details of business activities (accounting for 90% of the turnover) 21. Participation/Inclusion/Representation of women Description of main Description of business activity % of Turnover activity of the entity Location Total (A) No. of Female (B) % (B/A) of Females Other Credit Granting SBFC Finance Limited is a non-banking financial company (NBFC) focused 100.0 Board of Directors 9 1 11.1% on providing loans to the underserved section of the society that includes Key Management Personnel 4 1 25% entrepreneurs, small business owners self-employed individuals as well as salaried and working-class individuals. 22. Turnover rate for permanent employees and workers 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover) FY 2025-2026 FY 2024-2025 FY 2023-2024 Product/Service NIC Code % of total Turnover Permanent Permanent Permanent Permanent Permanent Permanent contributed Employees Workers Employees Workers Employees Workers Other Credit Granting as a Non-Banking Financial Company, SBFC Finance 64920 91.3% Male % 47.3 NA 54.8 0.0 44.3 NA Limited primarily offers fund based products, including secured MSME loan and loan against gold. Female % 34.1 NA 43.9 0.0 43.1 NA Total % 46.1 NA 53.9 0.0 44.2 NA 136 SBFC Finance Limited | Annual Report 2026 Setting the Scene Strategy & Performance ESG & Impact Reports & Financials 137 Directors’ Report / Annexure – XI / Business Responsibility and Sustainability Report (continued) V. Holding, Subsidiary & Assoc. Companies (including joint ventures) Material Indicate Rationale for identifying In case of risk, approach to Financial implications of the 23. Names of holding / subsidiary / associate companies / joint ventures issue whether risk/ opportunity adapt or mitigate risk or opportunity identified risk or Name of the holding / subsidiary Indicate whether holding/ % of shares held Entity indicated at col A, participate in opportunity / associate companies / joint Subsidiary/ Associate/ by listed entity the Business Responsibility initiatives Sustainable O Financing has an important role -Being an NBFC, focusing on -Sustainable finance offers ventures (A) Joint Venture of the listed entity? Finance to play in enabling businesses providing loans to businesses positive financial benefits SBFC Holdings Pte. Ltd. Holding 52.35 Nil and economies to transition and individuals in the MSME to SBFC by enhancing risk to a sustainable economy. The sector that are underserved, management, improving access VI. CSR Details MSME sector in India is one of we are addressing a major to capital, and driving long- 24. Enter details for Corporate Social Responsibility(CSR) the key drivers of the economy financing gap, thus, enables term value creation through and significantly contributes such businesses and responsible and resilient i. Whether CSR is applicable as per section 135 of Companies Act, 2013 - Yes to the country’s GDP as well entrepreneurs obtain loans business practices ii. Turnover (In INR) 16,788.21 million as employment. As a financial to scale up their operations, services company, we recognize improve efficiency or for 1. Attracting Impact iii. Net worth (In INR) 37,251.52 million that directing capital towards other business expansion Investors: Sustainable Disclosure Not Available such enterprises presents a related purposes. Our efforts finance initiatives substantial opportunity for us involve placing a heightened often attract, impact VII. Transparency and Disclosures Compliances to make a meaningful impact. focus on providing loans to investors and institutions We firmly believe that achieving entrepreneurs and small focused on impactful 25. Complaints on any of the principles (Principles 1 to 9) under the National Guidelines on Responsible Business Conduct. financial success should be businesses with a focus on investments. By aligning intricately linked with our sustainability and inclusive with sustainabil [Showing first 8,000 characters — download PDF for full document]