Submission of Integrated Annual Report for the Financial Year 2025-26 along with Notice convening the 32nd Annual General Meeting as per Regulation 34 of SEBI (Listing Obligations and ....

VIJI FINANCE LIMITED CIN: L65192MP1994PLC008715 Registered Office: 11/2, Usha Ganj, Jaora Compound, Indore (M.P.)-452001 Tel. 0731-4246092, Email id: info@vijifinance.com, Website: www.vijifinance.com Dated: 21st July, 2026 To, T o , The Secretary (DCS/Compliance), The Secretary (Listing/Compliance), Corporate Relationship Department, National Stock Exchange of India Limited BSE Limited Exchange Plaza, Bandra Kurla Complex Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001 Mumbai-400001 The Secretary, The Calcutta Stock Exchange Limited 4, Lyons Range, Dalhousie, Murgighata, B B D Bagh, Kolkata, West Bengal 700001 Subject: Submission of Integrated Annual Report for the Financial Year 2025-26 along with Notice convening the 32nd Annual General Meeting as per Regulation 34 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Reference: VIJI FINANCE LIMITED (BSE Scrip Code 537820, NSE Symbol: VIJIFIN; CSE Scrip Code: 032181; ISIN: INE159N01027) This is to inform that the 32nd Annual General Meeting (‘AGM’) of the Company is scheduled to be held on Thursday, 13th August, 2026 at 11:30 A.M. (IST) through Video Conference (VC) /Other Audio Visual means (OAVM), in compliance with relevant circulars issued by the Ministry of Corporate Affairs (‘MCA’) and the Securities and Exchange Board of India (‘SEBI’) as amended from time to time. In accordance with the aforesaid circulars issued by the MCA and SEBI, the Integrated Annual Report of the Company for the financial year 2025-26 along with the Notice convening 32nd AGM is being sent to those members of the Company whose email addresses are registered with the Company and/or Depository Participant(s). Pursuant to Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of an Integrated Annual Report of the Company for the financial year 2025-26 containing the Notice convening 32nd AGM of the Company. The Integrated Annual Report for the financial year 2025-26 along with Notice convening the 32nd AGM is also uploaded on the Company’s at www.vijifinance.com and the website of Central Depository Services (India) Limited at www.evotingindia.com. Kindly take the same on your record and acknowledge. Thanking You, Yours Faithfully, FOR VIJI FINANCE LIMITED Vijay Kothari Chairman & Managing Director DIN:00172878 Enclosed: a/a VIJI FINANCE LIMITED 32nd Annual Report 2025-26 VIJI FINANCE LIMITED 32nd Annual Report 2025-26 VIJI FINANCE LIMITED Contents Particulars Page No. Board of Directors 01 Notice of Annual General Meeting 2-27 Report of Board of Directors 28-43 Annexure to the Report of Board of Directors 44-50 Management Discussion and Analysis Report 51-55 Report on Corporte Governance 56-89 Independent Auditor's Report on Financial Statements 90-101 Financial Statements 102-134 VIJI FINANCE LIMITED 32nd Annual Report 2025-26 32NDANNUAL REPORT 2025-26 BOARD OF DIRECTORS STATUTORY AUDITOR Mr. Vijay Kothari Dharmendra K Agrawal&Co. Promoter/Chairman & Managing Director Chartered Accountants Mr. Ashish Verma Professional Non-Executive Director SECRETARIAL AUDITOR Ms. Sakshi Chourasiya R C Bagdi & Associates Woman Independ ent D irector P racticing Company Secretary Ms. Palak Malviya WomanIndependent Director Mr. Prakash Muksiya(Appointmentw.e.f. 24thJune,2026) Independent Director Mr. Aryaman Kothari (Appointment w.e.f. 14thJuly, 2026) Additional Cum Whole Time Director INTERNAL AUDITOR CAShubham Chopra CHIEF FINANCIAL OFFICER BANKERS Mr. Siddhant Sharm a ICICI Bank Limited Yes BankLimited COMPANY SECRETARY CS Stuti Sinha REGISTERED OFFICE VIJI FINANCE LIMITED REGISTRAR & SHARE CIN: L65192MP1994PLC008715 TRANSFER AGENT 11/2, Usha Ganj Jaora Compound ANKIT CONSULTANCY PRIVATE LIMITED Indore –452001 Plot No. 60, Electronic Complex Tel.No:0731-4246092 Pardeshipura Indore (M.P) 452 010 E mail Id:info@vijifinance.com Tel. No: 0731-4065799, 4065797 Web Site: www.vijifinance.com Fax No.: 0731-4065798 Email Id:investor@ank itonline.com SHARESLISTED AT BSELimited NationalStock Exchange of India Limited The Calcutta Stock Exchange Limited VIJI FINANCE LIMITED 32nd Annual Report 2025-26 VIJI FINANCE LIMITED CIN: L65192MP1994PLC008715 Registered Office: 11/2, UshaGanj, Jaora Compound, Indore - 452001 (M.P.) Tel. 0731-4246092, Email id- info@vijifinance.com, Website-www.vijifinance.com NOTICE OF 32ND ANNUAL GENERAL MEETING NOTICE is hereby given that 32nd Annual General Meeting of the Members of VIJI FINANCE LIMITED will be held on Thursday, 13th day of August, 2026 at 11:30 A.M. (IST) through Video Conferencing (“VC”) or Other Audio Visual Means (“OAVM”) for which purpose the Registered office of the Company shall be deemed as the venue for the Meeting and the proceedings of the Annual General Meeting shall be deemed to be made thereat, to transact the following businesses: ORDINARY BUSINESSES: - 1. To consider and adopt the Audited Financial Statement of the Company together with the Reports of the Board of Directors and the Auditors thereon for the financial year ended March 31, 2026. “RESOLVED THAT the Audited Financial Statements of the Company for the financial year ended 31st March, 2026 together with the Reports of the Board of Directors and the Auditors thereon and Management Discussion Analysis and Corporate Governance Report, as circulated to the members, be considered and adopted.” 2. To appoint a Director in place of Mr. Ashish Verma (DIN: 07665222) Non-Executive Director of the Company, who retires by rotation in terms of Section 152(6) of the Companies Act, 2013 and being eligible offers himself for re-appointment. “RESOLVED THAT pursuant to the provisions of Section 152(6) and Article of Association of the Company and other applicable provisions, if any, of the Companies Act, 2013 read with the Companies (Appointment and Qualification of Directors) Rules, 2014, Mr. Ashish Verma (DIN: 07665222), Non-Executive Director of the Company, who is liable to retire by rotation at this Annual General Meeting and being eligible, offers himself for re-appointment, be and is hereby re-appointed as a Director of the Company, liable to retire by rotation.” SPECIAL BUSINESSES: - 3. INCREASE IN AUTHORIZED SHARE CAPITAL AND CONSEQUENT ALTERATION OF THE MEMORANDUM OF ASSOCIATION OF THE COMPANY: To consider and, if thought fit, to pass, the following resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to the provisions of Section 13, 61 and 64 and other applicable provisions, if any, of the Companies Act, 2013 read with Companies (Share Capital and Debentures) Rules, 2014 (including any statutory modification(s) and re- enactment(s) thereof for the time being in force) and applicable provisions of the Articles of Association of the Company, the consent of the members of the Company be and is hereby accorded to increase the Authorized Share Capital of the Company from Rs. 30,00,00,000/- (Rupees Thirty Crores only), divided into 30,00,00,000 (Thirty Crores) Equity Shares of Re. 1/- (Rupee One only) each to Rs. 75,00,00,000/- (Rupees Seventy Five Crores only), divided into 75,00,00,000 (Seventy Five Crores) Equity Shares of Re. 1/- (Rupee One only) by creation of additional 45,00,00,000 (Forty Five Crores) Equity Shares of Re. 1/- (Rupees one only) each ranking pari passu in all respect with the existing Equity Shares with the power to the Board to decide on the extent of variation in such rights and to classify and re-classify from time to time such shares into any class of shares. RESOLVED FURHTER THAT pursuant to the provisions of Section 13, 61, and 64 and other applicable provisions, if any, of the Companies Act, 2013 and read with Companies (Incorporation) Rules, 2014 and Companies (Share Capital and Debentures) Rules, 2014 (including any statutory modification(s) or re-enactment thereof for the time being in force) and application provisions of Articles of Association of the Company, the consent of the members [Showing first 8,000 characters — download PDF for full document]