Pursuant to Reg 34(1) of the SEBI (LODR) Regulations 2015 we are enclosing herwith the ANNUAL REPORT of the Company for the FY 2025-2026, including the Notice convening the 42nd AGM scheduled ....

NICCOU CO ALLIANCEC REDIT LIMITED NICCO HOUSE, 2nd Floor, 2, Hare Street, Kolkata - 700 001 UCO Phone: 033 4005 6499, 033 4003 5159 E-mail : mdnuacl@gmail.com, nufslcal@gmail.com CIN: L65910WB1984PLCO37614 Date: 11.08.2026 The Manager, Department of Corporate Services, BSE Limited, P.J. Towers, Dalal Street, Mumbai – 400 001 S Sc ur bi jep c C to : d Se u: b m5 i2 s3 s2 i0 o9 n of Annual Report for the Financial Year 2025-2026 pursuant to Regulation 34(1) of SEBI( LODR) Regulations, 2015 Dear Sir/Madam, P R C Au 1e nor 1q nms :u uu 0pia 0arn Aet n .m y Me t .Gno f et o as r teR ) re t ag hR h eu e e eua ef elt gia ti into sain tn no ec gn ri 3 a es s4 l d, c( O21 y f0) e f1 a i5 r co , 0e ftt 2 oh 5 e a - r e2 ee 0S C2 heE o6 enB , mlc dI l o i aos n nni c( n yl L g u Wi d as e th it d nei Nngrn eg e w t s Chi d CO et ab h Oyl N i ,t o Hg h t Oea 0i Ut 9cAi Se "no En n c S ,s u o e a n p 2l v ta ee n R mnd Fe bi p en ooD ro g ri , r ,s tt c 2h l 20eo ,o 2f Hs 4 6u at 2r h ra0e e et Street, Kolkata - 700 001. The said Annual Report is also being w ws we .nt n ut ao c lt .h ce o ms .ha reholders of the Company and is available on the Company's website at Kindly take the above on record. Thanking you, Yours faithfully, For Nicco Uco Alliance Credit Limited (Sanjushree Paul) Compliance Office Company Secretary & Membership No.: ACS 79252 ANNUAL REPORT 2025-2026 NICCO UCO ALLIANCE CREDIT LIMITED 42nd AnnualG eneral Meeting Date: 09th September, 2026 Day: Wednesday Time: 11:00 A.M. Place: R egistered Office,N ICCO House, 2 nd floor,2 ,H are Street, Kolkata –7 000 .0 1 CONTENTS PARTICULARS PAGE NO. Boardo fD irectors Details 1 Notice 2-2 1 Director’s Report 22-30 ManagementD iscussiona nd AnalysisR eport 31 CorporateG overnance Report 32-47 Declarationo f Code of Conduct 48 Certificateo f Non -Disqualificationo fD irectors 49-5 Auditor’s Certificate – Corporate Governance 5 1 Remuneration Ratio of KMP 5 2 Secretarial AuditR eport 53-5 7 Certificateo fM D & CEOa nd CFO 5 8 Auditor’s Report - St-andalone 59-8 1 Standalone Balance Sheet 8 2 Statemento fP rofit& L oss – Standalone 8 3 Cash flow Statement – Standalone 8 4 Statemento fC hange in Equity – Standalone 85-8 6 Significant AccountingP olicies - St-andalone 87-8 9 Notes / Schedules on Balance Sheet – Standalone 90-11 3 Schedule to the BalanceS heeto f NBFC 11-141 6 FinancialS tatemento f Subsidiaryi n Form AOC -1 (PART A)& (PART 11-171 8 Ratio Analysis – Standalone 11-192 0 Auditor’s Report - Co-nsolidated 12-113 2 Consolidated Balance Sheet 13 3 Statemento fP rofit& L oss – Consolidated 13 4 Cash flow Statement – Consolidated 13 5 Change in Equity – Consolidated 13-163 7 Significant AccountingP olicies Consolidated 13-184 Notes / Schedules on Accounts – Consolidated 14-116 5 Additional Disclosure Consolidated 16 6 Ratio Analysis – Consolidated 16-176 8 Impacto f AuditQ ualifications – Standalone &C ons olidated 16-197 2 Attendance Slip/ P roxyF orm 17-137 4 NICCOU COA LLIANCE CREDIT LIMITED CIN – L65910WB1984PLC037614 Regd.Office: Nicco House, 2 Hare Street Kolkata – 700001 E-Mail: mdnuacl@gmail.com BOARD OF DIRECTORS As on 19 th May, 2026  Mr. Uditendu Sarkar (DIN -10509121), Chairman Non-Executive – Independent Director  Mr. Prabir Kumar Nag (DIN -07178929) Non-Executive – Independent Director  Mr. Kaustubha Basu (DIN – 10185801 ) Managing Director & CEO – Executive Director  Mrs. Anita Lahiri (DIN – 10520216) Non-Executive - Non Independent Director  Mr. Abhijit Banerjee (DIN – 11398136) Additional Director  Company Secretary & Compliance Officer  Ms. Sanjushree Paul  Chief Financial Officer  Mr. Mahadeb Chatterjee BOARD COMMITTEES  Audit Committee  Mr. Prabir Kumar Nag (DIN -07178929) - Chairman  Mr. Uditendu Sarkar (DIN -10509121) - Member  Mrs. Anita Lahiri (DIN – 10520216) - Member  Stakeholders Relationship Committee  Mrs. Anita Lahiri (DIN – 10520216) - Chairman  Mr. Prabir Kumar Nag (DIN -07178929) - Member  Mr. Uditendu Sarkar (DIN -10509121) - Member  Nomination and Remuneration Committee  Mr. Prabir Kumar Nag (DIN -07178929) - Chairman  Mr. Uditendu Sarkar (DIN -10509121) - Member  Mrs. Anita Lahiri (DIN – 10520216) - Member  STATUTORY AUDITOR M/s BCAG & Associates Basu House, 3 Chowringhee Approach, Kolkata-700072  Share Transfer Agent R&D Infotech Pvt. Ltd 15C, Naresh Mitra Sarani, Ground Floor West Bengal , Kolkata – 700026  Shares Listed : Bombay Stock Exchange Limited PJ Tower, Dalal Street Mumbai-400001 NICCO UCO ALLIANCE CREDIT LIMITE D CIN – L65910WB1984PLC037614 Regd.Office: Nicco House, 2 Hare Street Kolkata – 700001 E-Mail: mdnuacl@gmail.com Notice of the 42 nd Annual General Meeting to the Members NOTICE is hereby given that the 42 nd Annual General Meeting of the Company will be held on 9 th September, 2026 at 11.00 a.m. at the Registered Office of the Company at Nicco House, 2, Hare Street, Kolkata- 700001 to transact the following business: ORDINARY BUSINESS: 1. To receive, consider and adopt the Audited Standalone Profit & Loss Account of the Company for the year ended 31 st March, 2026 and the Audited Balance Sheet as on that date with the Reports of the Directors and Auditors thereon. 2. To receive, consider and adopt the Audited Consolidated Profit & Loss Account the Company for the year ended 31 st March, 2026 and the Audited Balance Sheet as on that date with the Reports of the Auditors thereon. 3. To appoint a Mrs. Anita Lahiri D(IN-10520216), Director, who retires by rotation and being eligible offers herself to be reappointed and to pass, if thought fit, with or without modification, the following resolution as an Ordinary resolution: “RESOLVED THAT Mrs. Anita Lahiri D(IN-10520216), who retired by rotation and being eligible for reappointment, be and is hereby appointed as a Director of the Company whose period of office is liable to determination by retirement of a director by rotation” SPECIAL BUSINESS: 4. To consider and approve the appointment of CS Rasna Goyal, Practicing Company Secretary, as the Secretarial Auditor of the Company for a term of five (5) consecutive years and to pass, if thought fit, with or without modification, the following resolution as an ordinary resolution: “RESOLVED THAT pursuant to the provisions of Section 204 and other applicable provisions, if any, of the Companies Act, 2013 read with the Companies (Appointment and Remuneration of Managerial Personnel) Rules, 2014 and Regulation 24A of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time, CS Rasna Goyal, Practicing Company Secretary (Membership No. 9096), be and is hereby appointed as the Secretarial Auditor of the Company for a term of five (5) consecutive years commencing from the financial year 2026-2027, on such remuneration as may be mutually agreed between the Board of Directors and the Auditor. RESOLVED FURTHER THAT Mr. Kaustubha Basu, Managing Director & CEO and Ms. Sanjushree Paul, Company Secretary & Compliance Officer of the Company be and are hereby authorized to do all such acts, deeds, as may be deemed necessary to give effect to this resolution.” Page | 1 NICCO UCO ALLIANCE CREDIT LIMITE D CIN – L65910WB1984PLC037614 Regd.Office: Nicco House, 2 Hare Street Kolkata – 700001 E-Mail: mdnuacl@gmail.com 5. To consider and approve the appointment of Mr. Abhijit Banerjee (DIN-11398136) as an Independent Director and to pass, if thought fit, with or without modification, the following resolution as Special resolution: “RESOLVED THAT pursuant to the provisions of Sections 149, 152 and other applicable provisions of the Companies Act, 2013 read with Schedule IV and the SEBI (LODR) Regulations, 201,5 Mr. Abhijit Banerjee D(IN: 11398136), who was appointed as an Additional Director by the Board in the board meeting held on 12.02.2026 and who qualifies for being appointed as an Independent Director, be and is hereby appointed as an Independent Director of the Company, not liable to retire by rotat [Showing first 8,000 characters — download PDF for full document]