Pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith Annual Report of the Company for the Financial ....

ARNOLD HOLDINGS LTD. (Non-Banking Finance Company) CIN No. L65993MH1981PLC282783 Date: 17th August, 2026 BSE LIMITED Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400 001. Scrip ID/Code/ : ARNOLD/537069/ INE185K01036 ISIN Subject : Annual Report for the Financial Year 2025-26. Ref : Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Dear Sir/Madam, Pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith Annual Report of the Company for the Financial Year 2025-26 and is also available on the website of the Company at www.arnoldholdings.in . This is for your information and record. Thanking You, Yours Faithfully, For Arnold Holdings Limited Raji Jaikumar Panicker Company Secretary & Compliance Officer Place: Mumbai Encl: Annual report for the FY 2025-26. Regd. Office: B 208, Ramji House, 30 Jambulwadi, JSS Road, Mumbai-400002. (INDIA) Ph: 91-22-22016640, E-mail: arnoldholding9@gmail.com , Web: www.arnoldholdings.in 44TH ANNUAL REPORT ARNOLD HOLDINGS LIMITED 2025-26 CORPORATE INFORMATION BOARD OF DIRECTORS Mr. Murari Mallawat - Whole Time Director Mr. Rajpradeep Mahavirprasad Agrawal - Whole Time Director Mrs. Gazala Mohammed Irfan Kolsawala - Whole Time Director & CFO Mrs. Munni Devi Jain - Non-Executive Independent Director Ms. Rupali Prakash Sawant - Non-Executive Independent Director Mr. Sushil Mahendrakumar Jhunjhunwala - Non-Executive Independent Director COMPANY SECRETARY & COMPLIANCE OFFICER AUDIT COMMITTEE CS Raji Jaikumar Panicker Rupali Prakash Sawant - Chairman Sushil Mahendrakumar Jhunjhunwala - Member Murari Mallawat - Member STATUTORY AUDITORS Amit Ray & Co. NOMINATION & REMUNERATION COMMITTEE Chartered Accountants Rupali Prakash Sawant - Chairman 401/403, D- Definity, Sushil Mahendrakumar Jhunjhunwala - Member Jai Prakash Nagar, Road No. 1, Munni Devi Jain - Member Goregaon (E), Mumbai-400063 Ph. No. 022-40146981 STAKEHOLDER’S/ SHAREHOLDERS & INVESTOR GRIEVANCES COMMITTEE Rupali Prakash Sawant - Chairman SECRETARIAL AUDITORS Sushil Mahendrakumar Jhunjhunwala - Member Ranjit Binod Kejriwal Murari Mallawat - Member Company Secretaries, Surat CORPORATE SOCIAL RESPONSIBILITY COMMITTEE REGISTRAR & TRANSFER AGENT Murari Mallawat - Chairman Niche Technologies Private Limited Rajpradeep Mahavirprasad Agrawal - Member Registrar to Issue & Share Transfer Agents Sushil Mahendrakumar Jhunjhunwala - Member 3A, Auckland Place, 7th Floor, Room No.7A & 7B, Kolkata-700017, West Bengal BANKERS TO THE COMPANY Email Id: nichetechpl@nichetechpl.com, ICICI Bank Ltd Website: www.nichetechpl.com HDFC Bank Ltd Ph. No.: +91-033-22806616/17/18 Yes Bank Ltd Tele Fax: +91-033-22806619 RBL BANK IDFC Bank REGISTERED OFFICE Kotak Mahindra Bank B 208, Ramji House, 30 Jambulwadi, Axis Bank JSS Road, Mumbai– 400002 Ph. No.: 022-22016640 CONTENTS PAGE NO. Email: arnoldholding9@gmail.com Chairman Message - 3 Website: www.arnoldholdings.in Notice of the Meeting - 4 CIN: L65993MH1981PLC282783 Directors Report - 18 Scrip Code: 537069 Corporate Governance report - 27 ISIN: INE185K01036 Management Discussion and Analysis Report - 45 Secretarial Audit Report - 51 44TH ANNUAL GENERAL MEETING Financial Statements 63 Date: Wednesday, 9th September, 2026 Time: 11:00 A.M. Venue: Registered Office (As through VC/OAVM) Chairman’s Message: Dear Shareholders, It gives me great pleasure to present to you the Annual Report of Arnold Holdings Limited for the financial year 2025– As a registered Non-Banking Financial Company (NBFC), Arnold Holdings Limited has consistently aimed to deliver value-driven financial services with a focus on disciplined growth, compliance, and risk management. This year, we have navigated a challenging macroeconomic environment while continuing to support credit growth across key segments. For the year ended March 31, 2026, your Company recorded a profit after tax of ₹ 442.06, compared to ₹ 532.65 lakhs respectively in the previous year. The decline in profitability is primarily on account of lower dividend income and reduced unrealized gains from investments in shares, reflecting the volatility of the capital markets. Nevertheless, stable revenues from management consultancy fees, rental income, and dividends continue to provide resilience to our financial performance and reduce dependence on market fluctuations. We expanded our lending operations strategically, focusing on digital lending personal loans, and secured lending solutions. The financial year under review was marked by a dynamic economic environment, evolving regulatory expectations and increasing opportunities in the financial services sector. Against this backdrop, the Company remained focused on strengthening its business fundamentals, maintaining prudent financial practices and creating sustainable value for all its stakeholders. As a Non-Banking Financial Company (NBFC), we recognise the important role we play in supporting economic growth by providing responsible and accessible financial solutions. Our focus continues to be on understanding the evolving needs of our customers and delivering solutions that are transparent, responsible and aligned with their financial requirements. The Company remains committed to maintaining a strong and resilient financial position through prudent risk management, effective governance and disciplined business practices. We continue to strengthen our internal processes, compliance framework and systems to ensure that our operations remain aligned with applicable laws, regulations and the highest standards of corporate governance. Looking ahead, we see meaningful opportunities for growth in the financial services sector. The increasing adoption of digital technologies, expanding financial inclusion and growing demand for structured financial solutions are expected to provide new avenues for the NBFC sector. We will continue to pursue these opportunities with a balanced approach, keeping risk management, regulatory compliance and customer-centricity at the core of our strategy. Our vision is to build a sustainable and responsible financial institution that creates long-term value for its stakeholders. We believe that our continued focus on operational excellence, prudent risk management and good governance will enable us to navigate challenges effectively and capitalise on emerging opportunities. I would like to place on record my appreciation for the dedication and commitment of our employees, whose efforts have contributed significantly to the Company's progress. I also express my sincere thanks to our Board of Directors for their valuable guidance and strategic direction. Finally, I extend my heartfelt gratitude to our shareholders for their continued confidence and unwavering support. With your trust and encouragement, we remain committed to achieving sustainable growth and delivering long-term value. I look forward to your continued support as we embark on the next phase of our growth journey. With my very best, Sd/- Munni Devi Jain (Chairperson) ARNOLD HOLDINGS LIMITED CIN: L65993MH1981PLC282783 Regd Off: B208, Ramji House, 30 Jambulwadi, JSS Road, Mumbai-400002 Website: www.arnoldholdings.in, E mail: arnoldholding9@gmail.com , Ph.: 022-22016640 NOTICE OF 44TH ANNUAL GENERAL MEETING Notice is hereby given of the 44th Annual General Meeting of the members of Arnold Holdings Limited will be held on Wednesday, the 9th day of September, 2026 at 11.00 A.M. IST, through Video Conferencing (“VC”) / Other Audio Visual Means (“OAVM”) to transact the following business: ORDINARY BUSINESS: 1. Consider and adopt the Audited Financial Statements of the Company for the Financial Year ended on 31st March, 2026, together with the Report of the Board of Directors and report of the Statutory Auditor thereon. To consider and if thought fit, to pass, with or without modification(s), the following resolution as an Ordinary Resolution: “RESOLVE [Showing first 8,000 characters — download PDF for full document]