Annual Report of the Company for the financial year ended March 31, 2026

To August 03, 2026 The Bombay Stock Exchange Limited Listing /Corporate Listing Department Floor No. 25, P.J. Towers, Dalal Street, Mumbai-400001, Maharashtra, India. Dear Sir/Madam, Sub: Submission of Annual Report for FY 2025-26 Ref: Scrip Code No: 530139 In terms of Regulations 34(1) of the SEBI (Listing Obligations and Disclosure Requirement) Regulations, 2015, please find enclosed the copy of Annual Report for the Financial Year 2025- 2026 of Kreon Finnancial Services Limited. You are requested to kindly take the same on record. Thanking You. Yours Faithfully, For KREON FINNANCIAL SERVICES LIMITED (NIHARIKA GOYAL) Chief Compliance Officer CIN: L65921TN1994PLC029317 StuCred A Division Of (Office) +91-8043570129 KREO N FINNANCIAL SERVICES LIMITED info@stucred.com, info@kreon.in #26, 22nd Street, Rathinam Nagar, Thiruvanmiyur, Chennai - 600041 www.stucred.com, www.kreon.in Creating Enduring 20 Value Annual Report Kreon Finnancial Services Limited W h a t ' s I n s i d e Investor Information The theme of Kreon Finnancial Services Limited's Annual Report for FY26 is 'Creating AGM Date August 26, 2026 Enduring Value'. It captures Kreon's About KFSL 01 AGM Mode Video Conference evolution into one of India's most ambitious KFSL is a fintech company that has built its fintech platforms — a company that treats its Glimpse of KFSL 03 VC Platform Purva Sharegistry (India) Private Limited scale on proprietary technology, data-led and Voting RBI-licensed NBFC framework as the decisioning and a digital-first distribution 32 Years of Evolving Excellence 05 foundation for scale, not as its identity. model — and is licensed and regulated by the Reserve Bank of India as a Non-Deposit- FY 2025-26 at a Glance 06 'Creating' represents our relentless pursuit Taking Non-Banking Financial Company Key Milestones & Momentum of innovation. For Kreon, being a fintech 07 ('NBFC-ICC'). Our license is the foundation company first, means value is engineered, that lets us lend responsibly at scale; our Value Creation Model 09 not incidental — built through proprietary technology platform is what defines who we technology, intelligent underwriting and are. Message from Chairman & MD 11 www.kreon.in product design that is designed to scale to Message from JMD serve millions. 13 Through its regulated NBFC platform, digital Forward-looking Statement infrastructure and technology-driven Leadership Perspectives 17 'Enduring' reflects our ambition to build an institution that outlasts any single product operating model, engineered end-to-end as a Creating Enduring Value 19 The Report contains forward-looking statements, technology product, from acquisition and identified by words like ‘plans’, ‘expects’, ‘will’, c sy tac ble il. i tyO au nr dr e tg ruu sla t to or f y a li lc ice en ns se e dg iv lee ns d eu rs ; oth ue r underwriting to servicing and collections. a) Prudent Strategies 19 ‘ ‘a en stt ii mcip aa tete s’s ’ a, nd ‘ sb oe li oe nv .e s A’ l, l sta‘i tn et men ed ns ts’, that‘p aro dj de rc ets s’ s, KFSL develops and delivers accessible credit DNA is that of a technology company — built b) Leveraging Technology 21 expectations or projections about the future, but not solutions for underserved and emerging limited to the Company’s strategy for growth, to compound value over decades, not c) People-centric Approaches customer segments. 23 product development, market position, expenditures, quarters. d) Building Brand Value 25 and financial results, are forward-looking e) Expansion of Footprints statements. Since these are based on certain The Company’s flagship digital credit 27 assumptions and expectations of future events, the 'Value' is the sum of what our technology, platform, StuCred is the clearest expression f) Stakeholder Engagement 29 Company cannot guarantee that these are accurate our people and our licensed framework of Kreon's identity: a fintech company that or will be realised. The Company’s actual results, create together — for the millions of young Board of Directors performance or achievements could differ from those happens to hold an NBFC license, not the 31 Indians we serve, the investors backing our projected in any forward‑looking statements. reverse — the convergence of Kreon's Leadership Team growth story, and the regulators overseeing 32 technology infrastructure, distribution engine, The Company assumes no responsibility to publicly a fintech built to last. Corporate Information amend, modify, or revise any such statements on the risk systems and product design. 33 basis of subsequent developments, information or Welcome to Kreon Finnancial Services KFSL was originally incorporated as 'Tatia Statutory Reports 34 e uv pe dn at ts e. thT eh se e C foo rm wp aa rdn -y lo od kis inc gla i sm tas t ea mn ey n to sb , l eig xa ct eio pn t ato s Limited's ('KFSL' or 'the Company') Annual Financial Services Limited'. In 2008, the a) Boards' Report may be required by law. Report for FY26. 35 Company was renamed 'Kreon Finnancial b) Management Discussion & Analysis Services Limited', under which it has c) Report on Corporate Governance continued to operate. Listed on the BSE, 59 Your Feedback Matters d) Secretarial Audit Report Kreon combines the credibility of a public 85 company with the agility of a fast-scaling At Kreon Finnancial Services Limited, we value your fintech — positioning the Company to Standalone Financial Statements 97 feedback and are committed to transparency, continuous improvement, and meaningful stakeholder engagement. We emerge as a leading fintech in the years a) Independent Auditor's Report invite you to share your views on our Annual Report FY ahead. 2025–26 by completing the feedback form using the link b) Balance Sheet 111 below. You may also send your comments directly to the c) Statement of Profit & Loss 113 Chief Compliance Officer at cs@kreon.in d) Cash Flow Statement 116 Stakeholder Feedback Form e) Notes to Financial Statements Your insights are invaluable in helping us improve our future Notice 157 disclosures and strengthen our engagement with all stakeholders. CORPORATE OVERVIEW STATUTORY REPORTS FINANCIAL SECTION NOTICE About KFSL VISION Empowering every individual through accessible, intelligent and inclusive financial solutions At Kreon Finnancial Services Limited, we are building India's one of the most ambitious fintech platforms — a technology company that uses its regulated NBFC license to operate, not as its identity. We combine proprietary technology, data-led decisioning and digital-first distribution to deliver financial solutions at the speed India expects. MISSION Over the years, we have built a scalable digital credit ecosystem engineered for underserved and emerging segments, particularly students and young adults. Through StuCred, we enable access to short-tenure credit — powered by technology, not paperwork. Engineering intelligent, technology-first financial solutions that enable lifelong growth Our ambition extends far beyond originating loans. We are building a technology company with the discipline and trust of a regulated institution — one capable of standing among India's leading fintech enterprises. VALUES Every initiative we undertake advances our purpose: using technology to help customers learn, earn, grow and pursue their aspirations, while building the platform, scale and institutional strength required for Kreon to create sustainable, enduring value for all our stakeholders. Innovation. Scale. Trust. Inclusion. Growth. 01 02 CORPORATE OVERVIEW STATUTORY REPORTS FINANCIAL SECTION NOTICE A Glimpse into Kreon Finnancial Services Limited OUR LEGACY DIGITAL MILESTONE LEADERSHIP & OUR PRESENCE MANAGEMENT Incorporated on 23 November 1994, Kreon began The clearest proof of this shift was the launch of Headquartered in Chennai with a growing as a traditional financial services company — but StuCred — not a lending product with a digital operations base in Indore, Kreon is a fintech Kreon is led [Showing first 8,000 characters — download PDF for full document]