Copy of Newspaper Publication

IDFCFIRSTBANK/SD/113/2026-27 August 09, 2026 National Stock Exchange of India Limited BSE Limited Mumbai 400 051 Mumbai 400 001 NSE Symbol: IDFCFIRSTB BSE Scrip Code: 539437 Sub.: Newspaper publication regarding dispatch of Notice of the Annual General Meeting (“AGM”), Integrated Annual Report of the Bank for Financial Year 2025-26 and e-Voting related matters. Ref.: Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (‘SEBI Listing Regulations’). Dear Sir/ Madam, Pursuant to applicable provisions of the SEBI Listing Regulations, we hereby submit copies of newspaper advertisement published by the Bank in ‘Hindu Business Line (English)’ and ‘Makkal Kural (Tamil)’, in their respective publication dated August 09, 2026, intimating dispatch of Notice of the 12th AGM, scheduled to be held on Monday, August 31, 2026 at 02:00 p.m. (IST) through Video Conferencing (‘VC’) / Other Audio Visual Means (‘OAVM’), along with Integrated Annual Report of the Bank for Financial Year 2025-26 and e-voting related matters. The above information is also being hosted on the Bank’s website at www.idfcfirst.bank.in , in terms of the SEBI Listing Regulations. Please take the above on record. Thanking You, Yours Faithfully, For IDFC FIRST Bank Limited Satish Gaikwad General Counsel and Company Secretary Encl.: As above IDFC FIRST Bank Limited Corporate Office: IDFC FIRST Bank Tower, (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra. Tel: +91 22 7132 5500 Registered Office: KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600 031, Tamil Nadu. Tel: +91 44 4571 6477 CIN: L65110TN2014PLC097792 | E-mail: bank.info@idfcfirstbank.com; | Website: www.idfcfirst.bank.in MUMBAI Safe Investing businessline. portfolio 9 SUNDAY-AUGUST9-2026 ALERTS. Sunehra Pension Plan unveiled Generali Central Life Insurance Co has launched the Sunehra Pension Plan, a participating (PAR), non-linked, pension, ULIPs savings-oriented life insurance plan aimed at helping policyholders build a retirement corpus for their financial security. Beyond its insurance benefits, that de-risk the plan also offers complimentary wellness services. Bonuses under the Sunehra Pension Plan begin accruing from the first policy year. The plan offers flexibility to choose a policy term ranging with time from fiveto 40 years. It also provides liquidity through partial withdrawals duringfinancial emergencies, multiple premium payment options and the ability to enhance protection through optional riders. TAKING COVER. Automated lifecycle strategies can take the emotion out of asset allocation, but policyholders should understand what they are giving up in return GETTY IMAGES/ISTOCKPHOTO what triggers the shift. Some use debt-oriented fund change ac- three years away is different 8 9 Kumar Shankar Roy years left to maturity, while oth- KEY POINTS cording to the number of years from another 50-year-old build- 8 9 f 0 bl. research bureau ers use the policyholder’s age. remaining to vesting. ing wealth for the next 15 years. f 0 7 a Consider Bajaj Life’s Wheel (cid:129)Equity exposure falls as A maturity-based strategy 7 a b e One of the harder parts of long- of Life Portfolio Strategy. In its goals approach CASE FOR AUTOMATION aligns better with a particular b e 1 5 term investing is not deciding Future Wealth Gain IV ULIP, (cid:129)Debt exposure rises as For policyholders who do not goal, but it brings another risk: 1 5 d d when to take risk, but when to when 20 or more years remain maturity nears actively manage investments, de-risking too quickly. d d - 4 2 0 6 cr ve aed ts itu oic n ne g 1i ft o 5. r S a yu ecp ahp ri so l ds ’ ae s w y h ao i ygu ,h ea arr e e h d ii gn u h- - t t co i er nem tly a t t otu o r a i e t bqy l, u u t i eh t -ye c hfa u il pl no d ec s qa t u—i io t n y2 i 0 fs u pe nn e dr- , (cid:129)A reu dt uo cm ea st i ec m r oe tb ia ol na an lcing s gu enc Inh u vin es e str t ba oet re h sg ai ve fi rs o e u qc r ua a en l n p ta r lod ybd lr e re ems bs . a la - d liu oI r tf i h ne ag tq tu hhi aet si e l mas t eep cre h yr af e no a ir r cm s a, l la ys t p mr oo orn t vg f eol dy - - 4 2 0 6 - b investment decisions - b 4 equity allocation may be reason- 50 per cent to an equity growth ance in the wrong direction. heavily into debt will participate 4 e 2 able initially. But if the stock fund and 30 per cent to a mid- After a strong equity rally, they less in that upside. e 2 a market falls 30 per cent when cap fund. become comfortable with a lar- Debt funds are also lower- a e the goal is only a year away, The allocation becomes pro- it. Making age rather than policy ger equity allocation; after a risk, not risk-free. Interest-rate e 4 there may simply not be enough gressively conservative there- maturity the trigger. crash, they become reluctant to and credit risks remain, depend- 4 3 time for the portfolio to recover. after. With 10 years remaining, ICICI Prudential Life’s Life- hold equities. A predetermined ing on the underlying portfolio. 3 c This is the problem that life- equity falls to 70 per cent and Cycle based Portfolio Strategy 2, glide path does the opposite of Policyholders should there- c d cycle-based investment bonds account for 30 per cent. available with LifeTime Classic, emotional market timing. The fore examine the actual alloca- d strategies available with several At five years, equity is down to divides investments between its rule is decided beforehand and tion table rather than stopping unit-linked insurance plans 40 per cent, while 55 per cent Multi Cap Growth Fund and In- implemented irrespective of at names such as “lifecycle”, (ULIPs) attempt to address. If goes to bonds and 5 per cent to a come Fund according to the market sentiment. “dynamic” or “wheel of life”. the policyholder opts for such a liquid fund. In the final year, policyholder’s age. More importantly, it reduces Ask four questions: How much strategy, the insurer automatic- equity drops to zero, with 80 per The allocation to the Multi the risk of a sharp equity-market equity will I hold today? When ally switches between equity cent in bonds and 20 per cent in Cap Growth Fund is 80 per cent decline close to a financial goal. does de-risking begin? How and debt funds according to a liquid assets. up to age 25, 75 per cent at ages A 25 per cent market decline much equity remains in final predetermined formula. Axis Max Life follows the 26-35, and 65 per cent at 36-45. with 15 years remaining is very years? Can I exit or change The underlying idea is quite same years-to-maturity ap- It declines further to 55 per cent different from the same decline strategy if my situation does? simple. Take more investment proach, but with a different pace at 46-55, 45 per cent at ages 56- six months before money is re- Finally, asset allocation can- risk when the goal is distant and of de-risking through its Dy- 65, and finally 35 per cent for quired for college fees or not make a poor insurance progressively reduce it as the namic Fund Allocation strategy. ages 66 and above. The alloca- retirement. product a good one. Before buy- goal approaches. Many life in- In the Platinum Wealth Plan, tion is automatically rearranged There is also convenience. A ing a ULIP, investors still need surers have their version of the predefined allocation is 80 when the Life Assured enters policyholder need not remem- to separately assess life cover, automated lifecycle strategies. per cent to its growth fund and another age band. ber to shift money from equity charges, fund choices, liquidity In this piece, we will discuss a 20 per cent to a secure fund There is also a maturity- to debt every few years or decide restrictions, taxation and few. Note that such strategies when 16-20 years remain. linked safeguard. During the last how much to move. whether the product itself fits are not exclusive to ULIPs. NPS Equity-or [Showing first 8,000 characters — download PDF for full document]