Pursuant to Regulation 34 of SEBI (LODR) Regulations, 2015, we are submitting herewith the Annual Report of the Company for the Financial Year 2025-2026.

DHVIJA FINANCE LIMITED (Formerly Known as F Mec International Financial Services Limited) CIN: L65100DL1993PLC053936 Website: www.fmecinternational.com Email:fmecinternational@gmail.com Tel: 01145548681 Date: 06.08.2026 Listing Department BSE Limited Floor 25, P J Towers, Dalal Street, Mumbai-400001 Dear Sir/Ma’am Scrip Code: 539552 Subject: Annual Report of the Company for the Financial Year 2025-26 along with the Notice of 33rd Annual General Meeting Pursuant to Regulation 34 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are submitting herewith the Annual Report of the Company for the Financial Year 2025- 2026 along with the Notice of 33rd Annual General Meeting to be held on Tuesday, 01st September, 2026 at 12:30 p.m. through video conference (VC) or other audio visual means (OAVM) for which purpose the registered office of the company situated at 908, 9th Floor, Mercantile House, 15 K.G. Marg, New Delhi-110001 shall be deemed as the venue for the meeting. This is for your kind information and records. You are requested to record and acknowledge the same. Thanking You For Dhvija Finance Limited (Formerly Known as F MEC International Financial Services Limited) Ronika Dhall Company Secretary & Compliance officer ACS 39463 Encl: As Above 908, 9th Floor, Mercantile House, 15, K.G. Marg, Delhi-110001 3 3 R D A N N U A L R E P O R T • 2 0 2 6 DHVIJA FINANCE LIMITED (Formerly known as F Mec International Financial Services Limited) Building Value, Sustaining Trust FINANCIAL YEAR 2025–26 WWW.FMECINTERNATIONAL.COM CONTENTS CORPORATE OVERVIEW ABOUT COMPANY OUR PRODUCT CHAIRMAN’S MESSAGE CORPORATE INFORMATION INVITATION STATUTORY REPORTS NOTICE OF AGM DIRECTORS’ REPORT ANNEXURES TO DIRECTORS’ REPORT MANAGEMENT DISCUSSION & ANALYSIS CORPORATE GOVERNANCE REPORT PARTICULARS OF LOANS, GUARANTEES AND INVESTMENTS SECRETARIAL AUDIT REPORT (MR-3) ANNUAL EVALUATION FINANCIAL STATEMENTS INDEPENDENT AUDITOR’S REPORT BALANCE SHEET STATEMENT OF PROFIT & LOSS CASH FLOW STATEMENT NOTES ABOUT COMPANY DHVIJA FINANCE LIMITED (Formerly known as F Mec International Financial Services Limited) The Company completed the process for the change of its corporate name and the Registrar of Companies issued a Fresh Certificate of Incorporation pursuant to the change of name dated 03 August 2026, pursuant to which the new name of the Company became effective from 03 August 2026. Our Company is one of the emerging Non-Deposit taking Non- Banking Finance Company (NBFC) registered with Reserve Bank of India, New Delhi, bearing Registration No. B-14.01129. In addition of this, the Company is a listed entity and trading its equity shares at Bombay Stock Exchange (BSE Limited). The BSE Scrip Code of the Company is 539552 and the ISIN of Securities of the Company is INE108T01021. Backed by strong corporate governance, prudent risk management and a technology-driven platform, we provide accessible financial solutions to individuals, salaried professionals, MSMEs and businesses through efficient, transparent and customer-centric lending managing the entire lending lifecycle from digital onboarding and credit assessment to disbursement and collections, while ensuring compliance with applicable regulatory frameworks. F MEC serves India’s emerging working-class population across urban and semi- urban regions, addressing a critical gap in accessible financial services. F MEC operates on a proprietary, rule-based lending framework governed by strong internal controls and is well positioned to scale its loan portfolio and deepen its presence in the digital retail credit market. With disciplined risk assessment, we have established ourselves as a trusted lending partner for salaried individuals and small business owners seeking reliable, transparent credit access. OUR PRODUCTS CLICK MY LOAN Digital Retail Lending Automated, Technology-Driven Credit Evaluation and Risk Management  Ensures efficient, data-backed, and adaptable decision-making.  Digital Onboarding with Comprehensive Credit Assessment Streamlined process for faster and more accurate customer evaluation.  Pre-Disbursement Inspection Strengthens authenticity and minimizes credit risk before loan disbursement. ADVANCE AGAINST SALARIES Instant and Affordable Financial Access for Employees Empowering employees with quick access to finance through minimal credit checks. Enabling Employers to Offer Financial Wellness Benefits Enhances employee satisfaction with a risk-free, no long-term commitment, and zero-cost model for organizations. Secure and Seamless Repayment Mechanism Follows a Deduction-at-Source model where EMIs are automatically deducted from employee salary. CHAIRMAN’S MESSAGE Dear Shareholders, It brings me immense pleasure to announce our performance for the FY 2025-26 through our Annual Report. Non-Banking Financial Companies (NBFCs) in India have made great progress financially over the previous years, as seen in improved profitability, increased asset quality and better capital adequacy. Our growth strategy has remained measured and quality-focused throughout the year with the aim of balanced growth across both sides of the balance sheet. Our credit policy integrates automated checks with manual oversight, ensuring every loan meets stringent quality standards before approval. This balanced approach has enabled us to maintain healthy asset quality metrics while scaling our loan book. As a listed entity, the Company’s responsibilities extend beyond financial performance to encompass high standards of governance, transparency, compliance and stakeholder engagement. The Board remains committed to supporting the management team in fostering a culture of integrity, accountability and responsible business conduct, while maintaining a focus on sustainable value creation. During the year, the Company completed the process for the change of its corporate name. The change in name is intended solely to reflect the Company’s corporate identity and does not result in any change to the Company’s objects, business activities, operations or legal status. The Company obtained the requisite No Objection Certificate (NOC) from the Reserve Bank of India (RBI), the in-principle approval from BSE Limited, and all other applicable regulatory approvals in connection with the change of name. Thereafter, the Registrar of Companies issued a Fresh Certificate of Incorporation pursuant to the change of name dated 03 August 2026, pursuant to which the new name of the Company became effective from 03 August 2026. The Company is undertaking all consequential statutory, regulatory and administrative actions arising from the change of name, including dissemination of the updated corporate identity to shareholders and other stakeholders through public advertisements in English and Hindi newspapers and by making the necessary filings, intimations and updates with the relevant statutory, regulatory and governmental authorities in accordance with applicable laws. Further, I take this opportunity to thank all our esteemed shareholders and our promoters for their valuable contribution. My sincere thanks go out to the Reserve Bank of India, Securities & Exchange Board of India, BSE Ltd., Registrar & Share Transfer Agent for their continuous support and guidance from time to time. I am also grateful to the Members on the Board for their contribution towards steering the Company to a path of sustainable growth. I hereby express my gratitude to the Management Team, Staff and other Business Associates for their dedication and assistance in the journey so far. Thank you for your support. With my best wishes, Yours sincerely Sd/- Mr. Apoorve Bansal Chairman & Managing Director CORPORATE INFORMATION Board of Directors Mr. Apoorve Bansal Managing Director Mr. Rohit Dugar Non-Executive Independent Director Ms. Pallavi Shukla Non-Executive Independent Director Mr. Kabeer Chaudhary Non-Executive Professional Director Mr. Somesh Kumar N [Showing first 8,000 characters — download PDF for full document]