Intimation of Annual General Meeting

Date: 19-08-2026 To To The Manager The Manager Corporate Relationship Department, Listing Department BSE Limited The Calcutta Stock Exchange Limited P. J. Towers, Dalal Street, 7, Lyons Range, Dalhousie, Kolkata-700001, Mumbai-400001 West Bengal Scrip Code: BSE-543860 Scrip Code: 20067 Subject: Submission of Annual Report and Notice of 33rd Annual General Meeting for F.Y. 2025-26 Pursuant to Regulation 34 read with Regulation 30 and Part a of Para a of Schedule III to SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, enclosed herewith the Annual Report for the F.Y. 2025-26 along with the Notice of the 33rd Annual General Meeting of the Company to be held on September 16, 2026. This is for your information and record. For, J. A. Finance Limited Simi Sen Company Secretary Encl: As above J.A. FINANCE LIMITED Annual Report 2025-26 Board of Directors Akshay Goyal Managing Director Dilip Kumar Goyal Non- Executive Director Amit Agarwal Independent Director Deepa Kumari Saha Independent Director Chief Financial Officer Sneha Goyal Company Secretary Simi Sen Statutory Auditors M/s. S K Naredi & Co. LLP Registrar and Transfer Agent Niche Technologies Private Limited Chartered Accountants 3A, Auckland Place, 7th Floor, Room No. 7A & 7B, Virdi Niwas, M-Road, Bistupur, Jamshedpur-831001, Jharkhand Kolkata-700017, West Bengal Phone: 0657-2320686 Contents Page E-mail: info.jsr@sknaredi.com Notice 1-11 Board’s Report 12-22 Bankers Corporate Governance Report 23-29 IDBI Bank Limited Management Discussion & Analysis Report 30-31 Kotak Mahindra Bank Limited Certificates 32-45 Financial Statement 46-96 Registered Office Attendance Slip & Proxy Form 97-99 1st Floor, Punwani Chamber Road Map 100 7B, Kiran Shankar Roy Road, Kolkata-700 001, West Bengal Phone No: 033-22482545 e-mail: jaflkolkata@gmail.com Website: www.jafinance.co.in J. A. Fina nce Limited 33rd Annual Report 2025-26 NOTICE is hereby given that the 33rd Annual General Meeting of the Members of J.A. Finance Limited will be held on Wednesday,16th September,2026 at 12:30 P.M. at the Registered office of the Company at 1st Floor, Punwani Chambers, 7B, Kiran Shankar Roy Road, Kolkata-700001, West Bengal to transact the following business: ORDINARY BUSINESS: 1. To receive, consider and adopt 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 Auditors thereon. 2. To appoint a director in place of Mr. Dilip Kumar Goyal (DIN: 0033590) who retires by rotation and who is eligible for re-appointment. For, J. A. Finance Limited Sd/- Simi Sen Company Secretary and Compliance Officer Place: Kolkata Date: 12-08-2026 J. A. Finance Limited 33rd Annual Report 2025-26 NOTES 1. An explanatory statement not required under Section 102 of the Companies Act, 2013 in respect of the special business specified above is annexed hereto. Information pursuant to provisions of Regulations of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. 2. A MEMBER ENTITLED TO ATTEND AND VOTE AT THE 33rd AGM IS ENTITLED TO APPOINT A PROXY/ PROXIES TO ATTEND AND VOTE INSTEAD OF HIMSELF / HERSELF. SUCH A PROXY / PROXIES NEED NOT BE A MEMBER OF THE COMPANY. 3. The instrument appointing the Proxy should be deposited at the Registered Office of the Company not less than forty-eight hours before the commencement of the 33rd AGM. A Proxy form is sent herewith. 4. A person can act as a proxy on behalf of members not exceeding fifty in number and holding in the aggregate not more than ten percent of the total share capital of the company carrying voting rights. A member holding more than ten percent of total share capital of the company carrying voting rights may appoint a single person as a proxy and such person shall not act as proxy for any other Member. 5. Corporate members intending to send their authorized representatives to attend the 33rd AGM, pursuant to Section 113 of the Companies Act, 2013, are requested to send to the company, a certified copy of the relevant Board resolution together with the respective specimen signatures of those representatives authorized under the said resolution to attend and vote on their behalf at the meeting. 6. The Register of members and share transfer books shall be closed from 10th day of September 2026 to 16th September 2026 (both days inclusive). J. A. Finance Limited 33rd Annual Report 2025-26 7. Members, Proxies and Authorised representatives are requested to bring to the meeting, the attendance slips enclosed herewith duly completed and signed mentioning therein details of DP ID and Client ID/Folio No. 8. In case of joint holders attending the meeting, the joint holder who is higher in the order of names will be entitled to vote at the meeting. 9. Members are requested to note that trading in securities of the Company are compulsorily in dematerialized form only. Hence members who are yet to dematerialize their shares are advised to do so. 10. Members may also note that the Notice of the 33rd AGM will also be available on the Company’s website www.jafinance.co.in for their download. 11. The notice of 33rd AGM will be sent to the members whose names appear in the Register of Members / Register of beneficial owners maintained by the depositories as at closing hours of business on Friday, 7th August 2026. 12. In conformity with the regulatory requirements, the Notice of this 33rd AGM and Annual Report are being sent only through electronic mode to those Members who have registered their e-mail addresses with the Company or with the Depositories. 13. Investors who became members of the Company subsequent to the dispatch of the Notice / Email are requested to send the written / email communication to the Company at jaflkolkata@gmail.com by mentioning their Folio No. / DP ID and Client ID to obtain the Login-ID and Password for e-voting. 14. The facility for voting through ballot paper/venue voting shall be made available on the 33rd AGM and the members attending the 33rd AGM who have not cast their vote by remote e- voting shall be able to exercise their right at the meeting through ballot paper. The members who have cast their vote by remote e-voting prior to the 33rd AGM may also attend the 33rd AGM but shall not be entitled to cast their vote again. 15. Ms. Shikha Naredi, Practicing Company Secretary (Membership No. F12024, C.P. No. 16103) has been appointed as Scrutinizer to scrutinize the e-voting process in a fair and J. A. Finance Limited 33rd Annual Report 2025-26 transparent manner. The Scrutinizer will submit, not later than 2 days of conclusion of the 33rd AGM, a consolidated Scrutinizer’s Report of the total votes cast in favour or against, if any, to the Chairman of the Company. 16. The result of the e-voting along with the scrutinizer’s report shall be declared in the 33rd AGM by the Chairman and will be placed on the company’s website www.jafinance.co.in and on the website of CDSL, within two days of passing of the resolution in the 33rd AGM. The results will also be communicated to the Stock Exchanges where the shares of the Company are listed. INSTRUCTIONS FOR MEMBERS FOR REMOTE E-VOTING ARE AS UNDER The Company has provided remote e-voting facility. The remote e-voting period begins on 13th September 2026 at 9:00 A.M. and ends on 15th September 2026 at 5:00 P.M. The remote e-voting module shall be disabled by CDSL for voting thereafter. The Members, whose names appear in the Register of Members / Beneficial Owners as on the record date (cut-off date) i.e. Wednesday, 09th September 2026, may cast their vote electronically. The voting right of shareholders shall be in proportion to their share in the paid-up equity share capital of the Company as on the cut-off date, being 09th September 2026. Step 1: Access through Depositories CDSL/NSDL e-Voting system in case of individual shareholders holding shares in demat mode. Step 2: Access through CDSL e-Voti [Showing first 8,000 characters — download PDF for full document]