Submission of Notice of 32nd Annual General Meeting And Integrated Annual Report For The Financial Year 2025-26

Sapne Aapke, Bharosa Apno Ka August 20, 2026 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 (INTECCAP | 526871 | INE017E01018) Dear Sir/Madam, Subject: Notice of the 32nd Annual General Meeting (‘AGM’) and Integrated Annual Report for FY 2025-26 of Intec Capital Limited (‘the Company’) Reference: Regulation 30, 34 and 36 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with circulars issued by Ministry of Corporate Affairs and Securities and Exchange Board of India This is in furtherance of our letter dated August 12, 2026 wherein the Company had informed about the 32nd AGM of the Company scheduled to be held on Tuesday, September 15, 2026 at 12:00 p.m. (IST) through Video Conferencing/Other Audio Visual Means (‘VC/OAVM’), in accordance, with the relevant circulars issued by Ministry of Corporate Affairs and Securities and Exchange Board of India. In this regard, we wish to inform the following: 1. Pursuant to the said circulars, AGM Notice and Integrated Annual Report for the financial year 2025-26 are being sent through electronic mode to all the Members whose email ids are registered with the Company/Registrar and Transfer Agent (‘RTA’)/Depository Participant (‘DP’). Additionally, a physical letter has been dispatched to those shareholder(s) whose email IDs are not so registered, providing the web-link and the exact path where the complete details of the Annual Report are available. These documents are also available on the website of the company and can be accessed through the following web links: Notice 32nd AGM : https://www.inteccapital.com/wp-content/uploads/2026/08/Notice-of- 32nd-Annual-General-Meeting-1.pdf Integrated Annual Report FY 2025-26 : https://www.inteccapital.com/wp- content/uploads/2026/08/Annual-Report-2025-26.pdf 2. The Company has provided the facility to its Members to cast their vote electronically, through the remote e-Voting facility (prior to AGM) and e-Voting facility (during the AGM), on all the resolutions set forth in the AGM Notice. The facility shall be available to INTEC CAPITAL LTD. CIN: L74899DL1994PLC057410 Regd. Off.: 708, Manjusha Building, 57 Nehru Place, New Delhi – 110019. T +91-11465200/300 F +91-114652 2333 Website: www.inteccapital.com, Email Id: complianceofficer@inteccapital.com Sapne Aapke, Bharosa Apno Ka the Members, who are holding shares on the Cut-off date i.e. Tuesday, September 08, 2026. 3. The Remote e-Voting facility will be available during the following period: Commencement of remote e-Voting Saturday, 12th September, 2026 (09:00 a.m. IST) End of remote e-Voting Monday, 14th September, 2026 (05:00 p.m. IST) 4. Detailed instructions for registering email id(s), remote e-voting, e-voting during the AGM and attending the AGM through VC/OAVM are given in the AGM Notice. This is for your information and records. Thanking you, For Intec Capital Limited Niharika Gupta Company Secretary & Compliance Officer M. No. : A59325 INTEC CAPITAL LTD. CIN: L74899DL1994PLC057410 Regd. Off.: 708, Manjusha Building, 57 Nehru Place, New Delhi – 110019. T +91-11465200/300 F +91-114652 2333 Website: www.inteccapital.com, Email Id: complianceofficer@inteccapital.com CAPITAL LIMITED Sapne Aapke, Bharosa Apno Ka intec CONTENTS CAPITAL LIMITED Sapne Aapke, Bharosa Apno Ka TABLE OF intec PAGES No. From the Desk of Managing Directors 2 Corporate Information 4 AGM Notice 185 - Board’s Report 23 - Management Discussion & Analysis Report 64 - Standalone Financial Statements 126 - Consolidated Financial Statements ANNUAL REPORT 2025-26 1 CAPITAL LIMITED Sapne Aapke, Bharosa Apno Ka intec intec STATUTORY SECTION CCAAPPIITTAALL LLIIMMIITTEEDD SSaappnnee AAaappkkee,, BBhhaarroossaa AAppnnoo KKaa iinntteecc FROM THE DESK OF MANAGING DIRECTOR Dear Shareholders, As we reflect on the year gone by, it is difficult to escape Indian banks has reached a multi-decade high, with gross the sense that the world has entered an era in which the non-performing assets falling to levels last seen more than only constant is disruption. The year 2025 tested the glob- a decade ago. With inflation firmly in check, the Reserve al order in ways few had anticipated. Barely into his sec- Bank of India was able to ease interest rates through the ond term, President Donald Trump redrew the architec- year, lending fresh momentum to credit and consumption. ture of world trade almost overnight, unveiling sweeping And the digital revolution that began with UPI continues tariffs that spared no nation—India included—and reig- to deepen its roots, with digital payments now woven into niting fears of a protracted trade war. Closer to home, we the very fabric of everyday Indian life. For a company built were reminded that peace can never be taken for granted, on the discipline of recovery and resolution, a financial Economic Outlook as our nation answered the tragedy at Pahalgam with re- system this robust is fertile ground indeed. solve and precision through Operation Sindoor. And yet, through the tariffs, the tensions and the turbulence, India did what India has learned to do best—it held its ground, Despite a hostile external environment, India has once kept its composure, and continued to grow. again retained its crown as the world’s fastest-growing major economy. Provisional estimates place our real Amid this uncertainty, the resilience of the Indian econ- GDP growth for the fiscal year 2025-26 at an impressive omy has been nothing short of remarkable. Even as the 7.7%—a figure that not only surpasses the previous year United States imposed some of the steepest tariffs levied but stands out starkly against the sluggishness that con- on any major economy, our exporters adapted, our do- tinues to grip much of the developed world. Manufactur- mestic demand held firm, and our growth engine refused ing surged into double digits, services powered ahead, to stall. It is a testament to the depth and diversity of our and domestic consumption—that ever-reliable pillar— economy that headwinds which would have derailed oth- carried the economy forward. ers merely slowed us for a moment. Looking ahead, the road is not without its bumps. The In the financial world where your Company operates, the full weight of the tariffs is yet to be felt, the monsoon re- picture has rarely looked healthier. The asset quality of 2 ANNUAL REPORT 2025-26 CAPITAL LIMITED Sapne Aapke, Bharosa Apno Ka intec intec CCAAPPIITTAALL LLIIMMIITTEEDD SSaappnnee AAaappkkee,, BBhhaarroossaa AAppnnoo KKaa iinntteecc mains an annual gamble, and global uncertainty shows no At the same time, as we move ahead with the resolution of sign of abating. Yet India’s fundamentals remain firmly our legacy loan portfolio, we edge closer to the launch of intact—a young and aspirational population, world-class our recovery services business—a venture that will allow digital infrastructure, and a policy environment increas- us to put the hard-won expertise of the past several years ingly geared towards reform and self-reliance. If there is to work for other institutions facing the very challenges one economy built to turn adversity into opportunity, it we have overcome. It is not yet launched, but with each Intec Outlook is ours. legacy account we bring to closure, that day draws nearer. The journey to this point has been long and, at times, un- forgiving. But we stand today leaner, sharper, debt-free I am delighted to report that 2025-26 has been, by any and profitable, with a clarity of purpose that has been measure, a landmark year for your Company. Building years in the making. Last year, I wrote that the phoenix on the turnaround of the previous year, we recorded a was ready to soar. This year, I am happy to report that it profit of Rs. 7.45 crores—a remarkable leap from the Rs. has taken wing—and it is gaining altitude. 28.70 lakhs reported last year, and the clearest possible evidence that the strategy we have pursued so patiently As we look to the y [Showing first 8,000 characters — download PDF for full document]