Shareholders meeting

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 Dear Sir / Madam, Subject: Notice of Annual General Meeting and Annual Report for the Financial Year 2025-26. Reference: Regulation 30, 34 & 53 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”). This is in furtherance to our letter dated May 05, 2026, we hereby inform you that the 46th Annual General Meeting (“AGM”) of the Company will be held on Friday, July 24, 2026, at 03:00 P.M (‘IST’) through Video Conferencing (“VC”) /Other Audio-Visual Means (“OAVM”). Pursuant to Regulation 30 and 34 read with Paragraph A of Part A of Schedule III and Regulation 53 of SEBI Listing Regulations, we are enclosing herewith the following: I) Notice of the AGM of the Company (including e-voting instructions). II) Annual Report of the Company for the Financial Year (FY) ended March 31, 2026. The Annual Report for the FY 2025-26 and the Notice of the AGM is available on the Company's website at the link i.e. https://poonawallafincorp.com/documents/20121/0/PFL-Annual-Report-FY- 2025-26.pdf and https://poonawallafincorp.com/documents/20121/0/PFL-46th-AGM-Notice-FY- 2025-26.pdf respectively. Further, in compliance with circulars issued by the Ministry of Corporate Affairs (“MCA Circulars”) and the Securities and Exchange Board of India (“SEBI Circulars”), copies of the Annual Report for the FY 2025-26 and Notice of the AGM of the Company (including E-voting instructions) are being sent through electronic mode to all the Shareholders whose email addresses are registered with the Registrar to an Issue and Share Transfer Agents of the Company viz. MUFG Intime India Private Limited ( Formerly known as Link Intime India Private Limited) or the Depository Participant(s). Book Closure Notice: Pursuant to the provisions of Section 91 of the Companies Act, 2013 and the Rules framed thereunder, Notice is hereby given that the Register of Members and Transfer Books of the Company will remain closed from Saturday, July 18, 2026 to Friday, July 24, 2026 (both days inclusive) (both days inclusive) for the AGM. Cut-off date and E-voting details: Pursuant to the provisions of Section 108 of the Companies Act, 2013 and the Rules framed thereunder, as amended from time to time and read with MCA Circulars and SEBI Circulars, the Company is pleased to provide all its Members the facility to exercise their vote electronically at the AGM of the Company, on all resolutions set forth in the Notice of the AGM. Members of the Company holding shares either in physical or in dematerialized form as on the cut-off date, i.e., Friday, July 17, 2026, may exercise their votes electronically. The voting rights of Members shall be in proportion to their share in paid up equity capital of the Company as on Friday, July 17, 2026 (“cut-off date”). A person whose name is recorded in the Register of Members or in the Register of Beneficial Owners maintained with the Depositories as on the cut-off date only shall be entitled to avail the facility of remote e-voting or e-voting at the AGM. The remote e-voting period begins on Monday, July 20, 2026 at 09:00 a.m. (IST) and ends on Thursday, July 23, 2026, at 05:00 P.M. (IST). The Company is providing VC/OAVM through National Securities Depository Limited (“NSDL”) platform for the Members to participate in the AGM. Members may access the same at https://www.evoting.nsdl.com through the same login credentials provided to them for e-voting. Further, the detailed instructions for e-voting, participation in the AGM through VC and remote e- voting have been provided in the Notice of the AGM. We hereby request you to take the above information on record. Thanking You, Yours faithfully, For Poonawalla Fincorp Limited Shabnum Zaman Company Secretary ACS-13918 Enc: A/a Contents Corporate overview Key highlights: FY26 Sustainable. Predictable. Productive. 06 About us 08 Business model ₹ 60,348 Crore ~$ 150 Million Rooted in our core philosophy of During the year, we expanded our presence 10 Diversity fosters sustainable growth Assets under Management (~₹ 1,281.40 Crore) raised building a sustainable, predictable, and across new business segments - Prime Personal Loan, Gold Loan, Consumer 12 Our business 69.4% Y-o-Y via ECBs productive institution, FY26 marked Durable Loan, Commercial Vehicle Loan, 20 Empowering customers through the transition from foundation to Education Loan & Shopkeeper Loan; while scalable credit solutions 1.44% ₹ 13,830 Crore disciplined expansion. As the financial deepening our existing portfolio. Guided by 22 Distribution channels Gross Non-Performing Assets Raised via NCDs ecosystem continues to evolve, we are proactive planning and prompt response to 26 Board of Directors strengthening our focus on innovation, the market dynamics, we achieved strong 30 Management team Performance review 0.74% ₹ 4,029 Crore diversification, and operational execution growth in our AUM and profitability. Our Credit by Design approach embodies a Net Interest Income to build a resilient, scalable, and 32 Message from the Chairman Net Non-Performing Assets “risk-first” approach, customer-centric 34 Message from the Managing (incl Other Income) future-ready institution. product architecture, and compliant, Director and Chief Executive Officer ₹ 1,934 Crore technology-led execution at every stage 36 Key performance indicators Pre-Provision ₹ 10,298 Crore of the credit lifecycle. The year also saw us Building long-term value together Operating Profit Shareholders' Fund reaffirm our client relationships and enhance 38 Operating context our business resilience. 42 Our strategy 63.93% ₹ 7,590 Crore Digital and AI-led capabilities became 50 Towards making a predictable enterprise Promoter holding (March 2026) Surplus Liquidity central to our business transformation. Risk Management The integration of Artificial Intelligence (AI) 52 Risk management and compliance and advanced digital capabilities across 54 Cybersecurity and data protection 59.03% 15.90% operations enhanced our productivity, Sustainability and ESG commitments Promoter holding (post QIP) Tier-1 Capital Adequacy strengthened governance frameworks, and 58 Environment improved compliance monitoring. 59 Social 16.83% 4.67X To support our growth ambitions, 60 People Capital to Risk-weighted Debt-to-Equity Ratio we expanded our branch network, 64 Governance Assets Ratio (CRAR) strengthened our organisational capabilities, Moments of Pride Regulatory Requirement: 15% and deepened our market presence. 65 Industry Awards and Accolades As fintech redefines financial services, 20.74% we remain committed to leveraging Statutory reports Capital Adequacy Ratio# technology, innovation, and responsible business practices to build a sustainable, (post ₹ 2,500 Crore QIP) 68 Board’s Report predictable, and productive future. 100 Management Discussion and Analysis All financial figures presented herein reflect FY 2025-26 results and are 136 Report on Corporate Governance based on standalone financial statements. 190 Business Responsibility and #Simulated Sustainability Report Poonawalla Fincorp Limited, part of the Cyrus Financial statements Poonawalla Group, is a Non-Banking Financial Company focused on consumer and MSME finance. 240 Standalone and Consolidated Our financial services offerings include Prime Personal Financial Statements Loan, Gold Loan, Education Loan, Consumer Durable 450 Corporate Information Loan, Commercial Vehicle Loan, Shopkeeper Loan, 451 List of Policies Instant Consumer Loan, Loan Against Property, 454 Glossary Pre-Owned Car Loan, Business Loan, Mid-Market 458 Notice of Annual General Meeting Loan, Machinery and Medical Equipment Lo [Showing first 8,000 characters — download PDF for full document]