QGO Finance Limited has informed the Exchange regarding Notice of the Annual General Meeting along with Annual Report for Financial Year 2025-26

Date: August 18, 2026 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400 001 Scrip Code: 538646 Scrip ID: QGO Subject: Annual Report of the Company for the financial year 2025-26 along with the Notice convening the 33rd Annual General Meeting (‘AGM’) Dear Sir/Madam, In continuation to our letter dated August 13, 2026, intimating the date of 33rd AGM of the Company and pursuant to Regulations 30 and 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (‘SEBI Listing Regulations’), please find attached herewith a copy of Annual Report for the financial year 2025-26 along with the Notice of the 33rd AGM scheduled on Friday, September 11, 2026 at 12:15 P.M. (IST) through Video Conferencing or Other Audio Visual Means (‘VC/OAVM’). Pursuant to Regulation 36 of the SEBI Listing Regulations, the Annual Report for the financial year 2025-26 along with the Notice of the 33rd AGM are being dispatched to all the eligible shareholders by electronic means on the e-mail addresses as registered with the Company/Registrar and Share Transfer Agent/Depository Participant(s). Further, a physical communication is being sent containing the web link and the exact path to access the Annual Report and Notice of the 33rd AGM on the Company's website to the shareholders whose e-mail addresses are not registered in the records. The Annual Report for the financial year 2025-26 and Notice of the 33rd AGM have also been made available on the website of the Company at https://qgofinance.com/wp- content/uploads/2026/08/FY25%E2%80%9326-Annual-Report.pdf. We request you to take the above information on record and the same be treated as compliance under the applicable provision(s) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. For QGO Finance Limited Urmi Joiser Company Secretary, Compliance Officer & Chief Operating Officer Membership No.: A63113 Place: Navi Mumbai Encl: As above Empowering to Build 3rd Floor, A-514, +91 86574 00776 TTC Industrial Area, MIDC, contactus@qgofinance.com Mahape, Navi Mumbai - 400701. www.qgofinance.com CIN: L65910MH1993PLC302405 NBFC · MSME REAL ESTATE QGO FINANCE LIMITED Annual Report FY 2025–26 Empowering to build: secured, asset-backed capital for India's MSME real- estate builders, proven by six unbroken years of zero NPAs. QGO FINANCE LTD ANNUAL REPORT 2025–26 CONTENTS Table of Contents 01 COMPANY OVERVIEW About the Report 01 Corporate Information 02 Our Story 03 Vision and Mission 04 Our Core Values 05 Our Journey 06 How We Stand Out 07 The Year in Numbers 08 Performance Highlights 09 Deconstructing the Trajectory 10 Statement of Quality 11 02 INTRODUCTION TO THE BOARD 12 Chairman’s Address 13 – 16 Managing Director’s Address 17 – 19 Board of Directors 20 03 INTRODUCTION TO THE MANAGEMENT 21 – 22 Our Management Team 21 Key Managerial Personnel 22 NOTICE OF THE 33RD ANNUAL GENERAL MEETING 23 – 39 05 DIRECTORS’ REPORT 40 – 55 06 ANNEXURES & REPORTS 56 – 97 Annexure 1: Risk Management Policy 56 – 60 Annexure 2: Remuneration Disclosure 61 – 62 Annexure 3: Secretarial Audit Report 63 – 66 Annexure 4: Corporate Governance Report 67 – 87 Annexure A: Certificate of Non-Disqualification of Directors 88 Annexure B: MD and CFO Certification 89 Annexure 5: Management Discussion and Analysis 90 – 97 07 FINANCIAL STATEMENTS 98 – 156 Independent Auditors’ Report 98 – 101 Annexure A: CARO Report 102 – 105 Annexure B: Internal Financial Controls 106 – 107 Statement of Profit & Loss 108 Balance Sheet 109 Cash Flow Statement 110 – 111 Statement of Changes in Equity 112 Notes to Financial Statements 113 – 156 QGO FINANCE LTD ANNUAL REPORT 2025–26 PAGE 01 About the Report PURPOSE OF THE REPORT This Annual Report presents a balanced overview of QGO Finance AUDIENCE Limited's financial performance, operational achievements, Shareholders & governance framework and strategic priorities for the financial year stakeholders ended March 31, 2026. It is designed to provide shareholders and Meaningful information on other stakeholders with meaningful information on the Company's business model, value business model, value creation approach, risk management practices creation and strategy. and long-term growth strategy. REPORTING PHILOSOPHY At QGO Finance Limited, we believe that transparent, accurate and REPORTING PERIOD timely reporting strengthens stakeholder confidence. This report has Apr 01, 2025 – Mar been prepared to communicate the Company's performance, key 31, 2026 initiatives, governance practices and future outlook in a clear, Financial year ended March comprehensive and responsible manner, reflecting our commitment to 31, 2026. sustainable business growth and regulatory compliance. REPORTING PERIOD, SCOPE & BOUNDARY The reporting period for this Annual Report is April 01, 2025 to March 31, 2026. Unless otherwise stated, the information contained in this SCOPE report relates to the Company's operations and includes financial as Financial & non- well as non-financial disclosures considered material to stakeholders. financial The report has been reviewed by the senior management and Disclosures considered approved by the Board of Directors prior to publication. material to the Company's stakeholders. REVIEW & APPROVAL Board-approved Reviewed by senior management, approved by the Board of Directors. FY 2025–26 Balanced Board- approved Period covered by this Annual Report Financial and non-financial disclosures alike Reviewed by management prior to publication ANNUAL REPORT 2025–26 PAGE 02 Corporate Board of Directors Information & KMP STATUTORY AUDITORS M/s. R C Reshamwala & Co., Chartered CHAIRMAN & INDEPENDENT DIRECTOR Accountants Rear Admiral Vineet Bakhshi (Retd.) FRN 108832W · 323, Varma Chambers, Homji Street, Fort, Mumbai – 400 001 Former Chairman & Managing Director, Tel 6635 5488 · reshamwala.co@gmail.com Goa Shipyard Limited · M.Tech, IIT Delhi SECRETARIAL AUDITORS M/s. Himanshu Gajra & Co., Practicing Company MANAGING DIRECTOR Mrs. Rachana Singi Secretaries Chartered Accountant (ICAI) · Founder, Panchali Building, Pandit Din Dayal Road, Dombivli West Anika Apparels and Creative Textile Mills – 421202 +91 73046 67405 · hgnc.compliance@gmail.com INDEPENDENT DIRECTOR DEBENTURE TRUSTEE Mr. Virendra Jain Beacon Trusteeship Limited Engineer · Promoted ventures in electronics, 5W, 5th Floor, The Metropolitan, E-Block, Bandra Kurla telecommunications and jewellery Complex, Bandra (East), Mumbai – 400051 manufacturing REGISTRAR & TRANSFER AGENT NON-EXECUTIVE DIRECTOR MAS Services Limited Mrs. Seema Pathak T-34, 2nd Floor, Okhla Industrial Area, Phase-II, New Delhi Master's in Economics · Promoter of Prism – 110020 Medical and Pharmacy Pvt. Ltd. info@masserv.com · investor@masserv.com CORPORATE IDENTIFICATION NUMBER NON-EXECUTIVE DIRECTOR L65910MH1993PLC302405 Mrs. Deepika Nath BBA, Boston University · Director, Nath BANKERS Brothers Exim International Limited HDFC Bank IndusInd Bank Yes Bank CHIEF FINANCIAL OFFICER IDFC First Bank Mr. Alok Pathak Founder of IdhaSoft · Tata Infotech and Tata Teleservices · B.E. and M.Tech, IIT Bombay REGISTERED OFFICE 3rd Floor, A-514, TTC Industrial Area, MIDC, Mahape, Thane, Navi Mumbai, Maharashtra – COO, COMPANY SECRETARY & COMPLIANCE OFFICER 400701 Ms. Urmi Joiser +91 8657400776 · ContactUs@qgofinance.com · Company Secretary (ICSI), LL.B., M.Com · www.qgofinance.com MBA, IIM Kozhikode QGO FINANCE LTD ANNUAL REPORT 2025–26 PAGE 03 Our Story QGO Finance Limited is a BSE-listed Non-Banking Financial Company (NBFC) specializing in secured construction finance for Micro, Small WHO WE SERVE and Medium Enterprises (MSMEs) within the real estate sector. With a Real estate MSMEs prudent lending philosophy, robust risk management framework and Developers, contractors and unwavering commitment to governance, the Company has established allied businesses seeking itself as a trusted financing partner for developers, contractor [Showing first 8,000 characters — download PDF for full document]