Updates

July 01, 2026 BSE Limited National Stock Exchange of India Limited Corporate Relationship Department The Listing Department, 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra- Kurla Complex, Bandra (East), Mumbai - 400 001. Mumbai - 400 051. BSE Scrip Code: 524000 NSE Symbol: POONAWALLA Subject: Business Responsibility and Sustainability Report for the financial year 2025-26 pursuant to Regulation 34(2)(f) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Pursuant to Regulation 34(2)(f) of the SEBI Listing Regulations, we are enclosing herewith a copy of the Business Responsibility and Sustainability Report for the financial year 2025-26, along with the Assurance Statement provided by BDO India Services Private Limited The Business Responsibility and Sustainability Report will form part of the Annual Report for the financial year 2025-26. The Annual Report is also available on the website of the Company at www.poonawallafincorp.com This is for your information and record. Thanks & Regards, Yours Faithfully, For Poonawalla Fincorp Limited Shabnum Zaman Company Secretary ACS: 13918 Enc: A/a Business Responsibility & Sustainability Reporting (BRSR) SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1. Corporate Identity Number (CIN) of the Listed Entity L51504PN1978PLC209007 2. Name of the Listed Entity Poonawalla Fincorp Limited (“PFL/the Company”) 3. Year of incorporation December 18, 1978 4. Registered office address 201 and 202, 2nd floor, AP81, Koregaon Park Annex, Mundhwa, Pune - 411036 Maharashtra, India 5. Corporate address 2401, 24th Floor, Altimus, Dr G.M. Bhosale Marg, Worli, Mumbai- 400018 Maharashtra, India 6. E-mail secretarial@poonawallafincorp.com 7. Telephone 020- 67808090 8. Website www.poonawallafincorp.com 9. Financial year for which reporting is being done 01-04-2025 to 31-03-2026 10. Name of the Stock Exchange(s) where shares are listed BSE Limited National Stock Exchange of India Limited 11. Paid-up Capital I 162,56,35,316 (As on March 31, 2026) 12. Name and contact details (telephone, email address) Shabnum Zaman of the person who may be contacted in case of any Company Secretary queries on the BRSR report Telephone - 020- 67808090 Email address - secretarial@poonawallafincorp.com 13. Reporting boundary Standalone basis Are the disclosures under this report made on a standalone basis (i.e. only for 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). 14. Name of the assessment or assurance provider BDO India Services Private Limited 15. Type of the assessment or assurance obtained Reasonable Assurance (BRSR Core Indicators) Limited Assurance (BRSR Indicators other than Core Indicators) II. Products/services 16. Details of business activities (accounting for 90% of the turnover): % of turnover of the S. no. Description of main activity Description of business activity entity (FY2025-26) 1 Financial and insurance Service Financial and Credit leasing activities 100 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): S. % of total turnover Product/Service NIC Code No. contributed 1 Financial and related services K Group: 649 100 Our product portfolio comprises loans against property, instant consumer loans, mid-market loans, business loans, pre-owned car loans, prime personal loans, gold loans, education loans, professional loans, consumer durable loans, machinery and medical equipment loans, commercial vehicle loans and shopkeeper loans. 190 POONAWALLA FINCORP LIMITED Corporate Overview Statutory Reports Financial Statements III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Contact Centre Total National 504* (Branches) 3** 6 513 International 0 0 0 0 *Consisting of 104 Retail branches and 400 Gold Loan branches **Including Corporate office and Registered office 19. Markets served by the entity: a. Number of locations: Locations Number National (No. of States) 20 states International (No. of Countries) None b. What is the contribution of exports as a percentage of the total turnover of the entity? T he Company, being an NBFC, does not export any products/services. Thus, this question is not applicable. c. A brief on types of customers F inancing needs in India have risen in sync with the significant economic growth over the past decade. NBFCs have played a major role in meeting this need, complementing banks and other financial institutions. NBFCs help fill gaps in the availability of financial services with respect to products as well as customer and geographic segments. T he Company focuses on two well defined customer segments of consumer and MSME. For these segments the Company offers a wide array of products and services to cater to their specific ever-evolving needs. P roduct Portfolio A s of March 31, 2026, we have a diversified suite of 13 loan products, as detailed below: L oan against property: Loan against property provide long-tenure, collateralized financing for working capital and business requirements, primarily catering to self-employed entrepreneurs and MSMEs with healthy credit bureau profiles. I nstant consumer loan: We offer digitally originated, instant personal loan designed for rapid, paperless access to credit for salaried and self-employed customers with stable credit histories. M id-market loan: Mid-market loans are provided to corporates and NBFCs to support their growth capital, capital expenditure, working capital, supply chain financing, acquisition financing and other requirements. B usiness loan: Business loan primarily serve working capital and long-term business needs of self-employed entrepreneurs and MSMEs with formal and cash-flow-visible profiles. P re-owned car loan: Pre-owned car loans are offered primarily to customers with stable credit histories, for purchase of second-hand vehicles. Annual Report 2025-26 191 P rime personal loan: Prime personal loan target financially strong, salaried professionals from established corporates, offering quick-to-approve loans. Borrowers are required to have an established and stable credit history and are typically located in Tier 1 and Tier 2 cities. G old loan: Gold loans are collateral-backed loan delivered through dedicated gold loan branches, targeted at retail customers in Tier 2 and Tier 3 households. E ducation loan: Education loans provide financing for higher education, primarily Indian students who are pursuing master’s degrees (including engineering, business, computer science, medicine and law) at leading universities abroad. Education loans are primarily unsecured loans and are to be used by students for funding tuition fees, living costs, student visas, travel expenses, insurance premiums and study materials, among others. P rofessional loan: Professional loans primarily cater to professionals from diverse backgrounds, offering financing to expand their practices and meet their working capital needs. Professional loans are unsecured loans. C onsumer durable loan: Consumer durable loans entail digital, instant, equated monthly instalment financing for appliances, electronics and home upgrades, targeted at Tier 2 and Tier 3 households with existing credit profiles. M achinery and medical equipment loan: Machinery and medical equipment loans finance equipment purchases for businesses, including MSMEs and healthcare practices. Machinery and medical equipment loans are secured loans, collateralized by the underlying machinery and medical equipment. C ommercial vehicle loan: Commercial vehicle loans finance used commercial vehicles for transport businesses, catering primarily to small fleet operators in Tier 2 and Tier 3 cities. Commercial vehicle loans are secured loans, collateralized by the underlying c [Showing first 8,000 characters — download PDF for full document]