Shareholders meeting

CIFHL/SE/16/2026-27 August 20, 2026 To, To, The Manager The Manager Corporate Relations Department, Corporate Relationship Department BSE Limited National Stock Exchange of India Limited Corporate Relations Department, Exchange Plaza, Phiroze Jeejeebhoy Towers Plot No. C/1, G Block, Dalal Street, Bandra-Kurla Complex, Bandra (East), Mumbai- 400 001 Mumbai – 400 051 Scrip Code No.: 531556 Symbol: CORALFINAC Dear Sir/Madam, Sub: Notice of the 32nd Annual General Meeting (“AGM”) Annual Report for the Financial Year 2025-26 Pursuant to Regulation 34(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”), please find enclosed Notice convening the 32nd AGM and the Annual Report of the Company for the financial year 2025-26. In compliance with relevant circulars issued by Ministry of Corporate Affairs and the Securities and Exchange Board of India, the Notice convening the AGM and the Annual Report of the Company for the financial year 2025-26 is being sent to all the members of the Company through electronic mode whose email addresses are registered with the Company or Depository Participant(s) and the physical copies of the same will be provided to the members on request. The AGM of the Company will be held on Friday, September 11, 2026, at 11:00 AM IST through Video Conferencing/ Other Audio-Visual Means. The Notice of AGM along with the Annual Report for the financial year 2025-26 is also being made available on the website of the Company at http://coralhousing.in/shareholders-meeting.php. This is for your information and record Thanking you, Yours faithfully, For Coral India Finance and Housing Limited Riya Shah Company Secretary & Compliance Officer Encl: a/a 32 ANNUAL REPORT 2025-26 C O R P O R AT E I N F O R M AT I O N Board of Directors: Navin Doshi Sheela Kamdar Ceased to be an Independent Directo r Meeta Sheth Chairman & Managing Director Independent Director )w.e.f. September 13, 2025( Niraj Mehta Kishor Mehta Non-Executive Director Neha Mehta Vinay Mehta Independent Director Whole-time Director )w.e.f. September 03, 2025( Independent Director Independent Director Key Managerial Personnel Kishor Mehta Riya Shah Chief Financial Officer Company Secretary & Compliance Officer Secretarial Auditor Statutory Auditors M/s Uma Lodha & Co. M/s Hasmukh Shah & Co. LL P Practicing Company Secretary Chartered Accountants Bankers HDFC Bank Limited State Bank of India Registered Office Coral India Finance and Housing Limited Dalamal House, 4th Floor, Jamnalal Bajaj Marg, Nariman Point, Mumbai – 400 021 Tel: (022) 2285 3910/11 Fax : (022) 2282 5753 Email : cs@coralhousing.in Website : www.coralhousing.in Registrar & Share Transfer Agent MUFG Intime India Private Limite d )formerly known as Link Intime India Private Limited( C 101, 247 Park, LBS Marg, Vikhroli West, Mumbai - 400 083. Tel: 022 4918 6000 Toll free no. 1800 1020 878 Fax: 022 49186060 E-Mail: rnt.helpdesk@in.mpms.mufg.com Website : http://www.in.mpms.mufg.com/ Coral India Finance and Housing Limited 1 32 ANNUAL REPORT 2025-26 C O N T E N T S 2 Overview 4 Notice Statutory Reports 19 Board’s Report 29 Annexures to the Board’s Report 42 Management’s Discussion and Analysis Report 45 Corporate Governance Report 79 Investor Contacts 83 Annexures to Corporate Governance Report Standalone Financial Statements 86 Independent Auditor’s Report 94 Balance Sheet 96 Statement of Changes in Equity 98 Statement of Profit & Loss 99 Statement of Cash Flow 101 Notes to Standalone Financial Statements This report can be viewed online by logging on to www.coralhousing.in GO GREEN TODAY As a responsible Corporate Citizen, the Company welcomes and supports the ‘Green Initiative’ taken by the Ministry of Corporate Affairs, enabling the Company to effect electronic delivery of documents. The above initiative will go a long way in conserving paper which is a natural resource and will also result in substantial savings on printing and posting of Annual Reports and other documents of your Company sent to Shareholders. Members are requested to support this green initiative by updating their email address with the respective Depository Participants, in case of electronic shareholding; or registering their email addresses with the Company’s Registrar and Transfer Agents, in case of physical shareholding. Join this cause and make the world a cleaner, greener and healthier place to live. 2 Coral India Finance and Housing Limited 32 ANNUAL REPORT 2025-26 CORAL INDIA FINANCE AND HOUSING LIMITED CIN: L67190MH1995PLC084306 Registered Office: Dalamal House, 4th Floor, Jamnalal Bajaj Marg, Nariman Point, Mumbai – 400 021 Information at a Glance 32nd Annual General Meeting Mode: Video conference and Friday, Sep 11, 2026 September 08-10, 2026 Day, Date & Time of AGM other audio-visual means @ 11.00 a.m. )IST( E-voting dates: Particulars Details Date, Day and Time of AGM Friday, September 11, 2026 @ 11.00 a.m. (IST) Mode of conduct Video Conferencing / Other Audio-Visual Means Participation through video conference www.evoting.nsdl.com Final Dividend Record Date Friday, August 28, 2026 Due date for submission of tax related On or before Friday, August 28, 2026 documents for Dividend Dividend payment date Within 30 days from the date of AGM (On or before October 09, 2026) Cut-off date for entitlement for remote Friday, September 04, 2026 e-voting Remote e-voting start date and time Tuesday, September 08, 2026 @ 9.00 a.m. (IST) Remote e-voting end date and time Thursday, September 10, 2026 @ 5.00 p.m. (IST) E-voting website of NSDL https://www.evoting.nsdl.com Speaker Registration period Monday, August 31, 2026 to Friday, September 04, 2026 Mr. Sagar Gudhate, Assistant Vice President - NSDL Last date for sending questions/queries Friday, September 04, 2026 National Securities Depository Limited Name, address and contact details of e-voting service provider 301, 3rd Floor, Naman Chambers, G Block, Plot No- C-32, Bandra Kurla Complex, Bandra East, Mumbai- 400051 Email address: sagarg@nsdl.com evoting@nsdl.com MUFG Intime India Pvt. Ltd. Helpline No. for VC participation and e-Voting: (022) 4886 7000 Name, address and contact details of Registrar and Share Transfer Agent Unit: Coral India Finance and Housing Limited C-101, 247 Park, LBS Marg, Vikhroli (West), Mumbai – 400 083 Contact No: 8108116767 Coral India Finance and Housing Limited Email: rnt.helpdesk@in.mpms.mufg.com Address and e-mail of Company’s Shares Department Secretarial Department Dalamal House, 04th Floor, Jamnalal Bajaj Marg, Nariman Point, Mumbai – 400 021 Contact No.: 91-22-22853910/11 E-mail: cs@coralhousing.in Coral India Finance and Housing Limited 1 32 ANNUAL REPORT 2025-26 Historical Financial Performance )₹ in Lakhs( Particulars FY 2022 FY 2023 FY 2024 FY 2025 FY 2026 Revenue from Operations 2,749.80 2955.03 2768.13 2,115.92 1539.64 Other Income -17.02 110.38 289.02 481.14 508.78 Total Income 2,732.78 3065.41 3057.15 2,597.06 2048.42 EBIDTA 2208.83 2240.91 2366.53 2126.03 1730.80 Depreciation 9.82 8.87 8.4 7.38 6.28 EBIT 2199.01 2232.04 2358.13 2118.65 1724.52 Finance Cost 2.04 0.2 0.25 0.02 1.17 Profit Before Tax 2196.97 2231.84 2357.88 2118.63 1723.35 Profit After Tax )PAT( 1,737.10 1832.01 2076.74 1749.01 1478.62 Equity Share Capital 806.04 806.04 806.04 806.04 806.04 Net worth 11951.33 14468.47 18352.45 22081.96 20716.67 Total Debt - - - - - Current Liabilities 425.5 488.43 325.36 396.33 323.73 Net Fixed Assets 152.05 143.44 135.65 127.92 121.79 Cash and Cash Equivalent 396.25 1592.98 1642.75 1587.93 1973.43 Current Assets 8,248.58 9872.3 12300.73 13576.74 14727.02 Total Assets 15260.95 16410.88 19310.67 23405.83 22312.47 Earning Per Equity Share (₹) 4.31 4.55 5.15 4.34 3.67 Book Value per Equity Share (₹) 29.57 35.9 45.54 54.79 51.40 Dividend Per Equity Share (₹) 0.30 0.30 0.40 0.40 0.20 Equity Dividend (%) 15 15 20 20 10 2 Coral India Finance and Housing Limited 32 ANNUAL REPO [Showing first 8,000 characters — download PDF for full document]