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: Notice of 19th Annual General Meeting and the Annual Report of SBFC Finance Limited (‘the Company’) for the financial year 2025-26 Dear Sir/Madam, Pursuant to Regulation 34 and 53 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (‘SEBI Listing Regulations’), and other applicable regulations, please find enclosed the Notice of the 19th Annual General Meeting (“AGM”) of the Company along with the Annual Report for FY 2025-26. The 19th AGM of the Company is scheduled to be held on Tuesday, 14th July, 2026 at 03:00 p.m. (IST) through video conferencing/other audio-visual means. The Notice of the AGM along with the Annual Report for FY 2025-26 is being sent through electronic mode to the members and the debenture holders of the Company. The Notice of the AGM and Annual Report are being made available on the Company’s website at https://www.sbfc.com/investors. 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 002 SBFC Finance Limited | Annual Report 2026 003 The architecture of OUTCOMES SBFC enters phase II designed for steady compounding. The architecture Phase 1: How eight years of deliberate design produced a ₹10,000 crore franchise is in place. The blueprint is proven. The priority now is to build higher, to the same standard, with the same materials Every enduring structure begins with a sound that brought us here. blueprint. SBFC’s was drawn at inception: lend to India’s small business owners in the ₹5 to ₹30 lakh secured segment, with the credit discipline and return standards a quality institution demands. FY2026 is the year that blueprint produced its defining outcome. We crossed ₹10,000 crore in AUM, closing PHASE I of our growth plan. The milestone reflects a repeatable operating system built on sound unit economics and rigorous credit discipline, compounding steadily across eight years. Good architecture is proven under load. In FY26, we delivered a Return on Equity of approximately 14.18% and a Return on Average AUM of 4.58%. Our business model protected spreads, managed credit costs and converted scale into operating leverage. In a demanding credit environment, we strengthened underwriting filters and maintained a fully secured loan book. This is proof that our structure carried the weight it was designed to carry. The most important elements in any structure are the ones built into its walls. Over the past 8 years, SBFC has systematically reinforced its execution engine. Standardised credit assessment, centralised Contents risk oversight and data-backed decision frameworks have improved consistency and reduced dependence on individual judgment. The organisation operates through defined accountability layers led by experienced BFSI professionals across businesses, risks, and operations. This depth is what Setting the Scene ESG & Impact makes performance predictable across geographies and Company Overview 004 Our Business is Our Impact 050 through credit cycles. The ₹10,000 Crore Milestone. 008 Where we work, we BUILD. 054 Five years. The Matrices that matter. 014 ESG Framework & BRSR Disclosures. 068 Chairman’s message 018 Phase II is about adding floors to a structure that is Managing Director & CEO’s message 020 Reports & Financials already standing strong. Our Leadership Team 022 Management Discussion & Analysis 074 The next phase of growth moves the franchise from ₹10,000 Directors’ Report 094 crore to ₹20,000 crore with the same discipline that built the To download Annual Report 2026 online Strategy & Performance foundation. We will continue to work for productivity gains and please scan the QR Code. Corporate Governance Report 110 branch maturity, strengthening operating leverage as the network OR Five pillars, One system. 024 Business Responsibility and Sustainability Report 134 scales. Capital will be deployed with discipline, keeping leverage visit www.sbfc.com Unit Economics & The Returns. 036 Financial Statements 178 well within our structural capacity as we scale. Each increment Technology - From Digitisation to Intelligence. 040 Notice 272 of growth is designed to enhance unit economics, ensuring that The Control Environment 046 scale translates into stronger returns. 000044 SSBBFFCC FFiinnaannccee LLiimmiitteedd || AAnnnnuuaall RReeppoorrtt 22002266 Setting the Scene Strategy & Performance ESG & Impact Reports & Financials 005 Who we are We offer secured loans in the ₹5 lakh to ₹30 lakh range to proprietors, traders, and micro- entrepreneurs with income that extends beyond standard forms of documentation. Our lending is anchored in the physical environment, every loan is secured against residential or commercial property, and our credit assessment is grounded in local relationship and verified cash flow. Eight years since inception, SBFC has grown from a ₹778 crore portfolio to a ₹11,270 crore franchise. We are listed on both the BSE and the NSE, carry a credit rating of AA– (Stable), and operate across 18 states and 2 Union Territories. In FY2026, we delivered a Profit after Tax of ₹451 crore, a 31% increase over the prior year, on a tangible net worth of ₹3,465 crore. Our return metrics, a Return on Average AUM of 4.58% and a Return on Equity of 14.18%, reflect a business model that has held its shape through credit cycles, through a pandemic, and through the demands of post-IPO institutional scrutiny. We enter FY2027 at the start of Phase II: our journey from an AUM of ₹10,000 Cr to ₹20,000 Cr, with the same segment focus, the same credit discipline, and the operating infrastructure now in place to scale with confidence. At a glance, FY2026 ₹11,270 Cr 251 18+2 UTs 2,02,683 ASSETS UNDER Branches STATES & UNION Active Customers Company MANAGEMENT TERRITORIES Overview 5,055 4.58% 14.18% AA–Stable SBFC Finance Limited is a secured MSME lender founded in EMPLOYEES Return on Average RETURN ON EQUITY CREDIT RATING 2017 with a focused mandate: to provide formal credit to AUM India’s self-employed small business owners, a segment central to India’s economic fabric. 006 SBFC Finance Limited | Annual Report 2026 Setting the Scene Strategy & Performance ESG & Impact Reports & Financials 007 Company Overview (continued) Our products Our geographic footprint SBFC offers two secured lending products, designed to serve different credit needs. Secured MSME loan BRANCHES For self-employed small business owners requiring growth or working capital, secured against residential or commercial property. y Ticket size: ₹5 lakh – ₹30 lakh (average ₹9.93 lakh) 199 y Loan-to-value: up to 42.6% of property value CITIES y Collateral: self-occupied residential or commercial property (94% of AUM) y Co-borrower: spouse or parent on all loans 18+2 UTs y Sourcing: 100% in-house STATES & UTS Loan against gold 100% For immediate liquidity needs, secured against gold jewellery, short tenure, quick disbursement. IN-HOUSE SOURCING y Ticket size: average ₹1.23 lakh y Loan-to-value: up to 59.9% No concentration risk. AUM is spread across four broad regions, South (35.6%), North (34.2%), West (16.0%), and y Sourcing: 100% in-house East (14.2%). All sourcing is conducted entirely in-house. 100% of SBFC’s loan book is secured. Our AUM is backed by tangible collateral. This is a structural commitment, not a market condition. What makes us different Five structural characteristics dis [Showing first 8,000 characters — download PDF for full document]