Intimation is being filed for the dispatch of the annual report for the year ended 31st March 2026

25.08.2026 The General Manager – DCS Listing Operations – Corporate Service Department BSE Limited Scrip Code: 530907 Dear Sir/ Madam, Sub: Submission of the Integrated Annual Report under Regulation 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (Listing Regulations). This is in furtherance of our letter dated 20th August 2026, wherein the Company had informed that the 32nd Annual General Meeting (‘AGM’) of the Company will be held on Friday, 18th September 2026 at 11.30 A.M. (IST) through Video Conference / Other Audio-Visual Means. Pursuant to Regulation 34(1) of the Listing Regulations, as amended, please find enclosed the Integrated Annual Report of the Company along with the Notice of the 32nd AGM and other Statutory Reports for the financial year 2025-26. The said Integrated Annual Report is being sent through electronic mode to the Shareholders of the Company and is available on the website of the Company at http://www.sicapital.co.in Kindly take the same on record. Thank you. For S.I. Capital & Financial Services Limited Sujith K Ravindranath Company Secretary Encl: As above Regd. Office: No. 28, Second Floor, New Scheme Road, Pollachi, Coimbatore, Tamil Nadu 642001 CIN L67190TZ1994PLC040490 Tel: 04259-233304/05, E-Mail: info@sicapital.co.in Website: www.sicapital.co.in ANNUAL REPORT 2025 - 2026 32nd Annual Report Non-Banking Financial Company | Full-Fledged Money Changer Listed with BSE & Registered with the Reserve Bank of India CIN: L67190TZ1994PLC040490 Registered Office: No. 28, Second Floor, New Scheme Road, Pollachi, Coimbatore, Tamil Nadu - 642001 Corporate Office: 2nd Floor, Pallithanam Building, Sree Vadakkumnathan Complex, Karunakaran Nambiar Road, North Bus Stand, Thrissur - 680020 Website: www.sicapital.co.in | Email: info@sicapital.co.in | Tel: 04259-233304 / 233305 1 Annual Report 2025-26 CORPORATE INFORMATION Board of Directors Mr. Vinod Manazhy Mr. Anto Mekkattukulam Jayson Chairman & Non-Executive Independent Director Managing Director & CEO DIN: 08986929 DIN: 10528274 Mr. T.B. Ramakrishnan Ms. Jitha Chummar Non-Executive Director Non-Executive Director DIN: 01601072 DIN: 02582004 Mr. Unnikrishnan Anchery Mr. Thomas Jacob Non-Executive Director Non-Executive Independent Director DIN: 00007022 DIN: 08017693 Dr. Habeebrahiman Mr. Nijo Michel Non-Executive Independent Director Non-Executive Director DIN: 09413355 DIN: 05329602 Key Managerial Personnel & Senior Management Personnel Mr. Anto Mekkattukulam Jayson Mr. Jyothish A.R. Managing Director & CEO Chief Operating Officer Mrs. Jayasree V Mr. Sujith K. Ravindranath Chief Financial Officer Company Secretary & Compliance Officer Statutory Auditor, Secretarial Auditor, Trustee & Registrar Statutory Auditor Secretarial Auditor M/s. Ayyar & Cherian, Chartered Accountants M/s. Liya and Associates, Company Secretaries Ernakulam, Kerala – 682036 Ernakulam, Kerala – 682036 Debenture Trustee Registrar & Share Transfer Agent CS Amal M S MUFG Intime India Private Limited (formerly Infine Building, Machingal Lane, Thrissur - Link Intime India Private Limited) 680001, Kerala "Surya", 35, Mayflower Avenue, Behind Senthil Nagar, Sowripalayam Road, Coimbatore - 641028 Email: coimbatore@in.mpms.mufg.com | Tel: 0422-4958995 / 2539835 / 2539836 Registered Office Stock Exchange Listing No. 28, Second Floor, New Scheme Road, BSE Limited, Scrip Code: 530907 Pollachi, Coimbatore, Tamil Nadu - 642001 ISIN: INE417F01017 CIN: L67190TZ1994PLC040490 Email: info@sicapital.co.in | Website: www.sicapital.co.in Tel: 04259-233304 / 233305 Management Team and Board of Directors The Company is guided by a diverse and experienced management and Board comprising professionals with deep expertise in banking, financial services, capital markets, audit and taxation, and business management, supported by a seasoned management team entrusted with the Company's day-to-day operations. Management Team Mr. Anto Mekkattukulam Jayson Managing Director & CEO A result-oriented professional with rich experience of over 21 years in Collections & Recovery, Debt Management, Credit & Risk Management, Fraud Management, Customer Service, Client Relationship Management, Sales and Team Management. He has held senior positions with Bajaj Auto Finance Limited and ICICI Bank prior to joining the Company, and has been steering the Company's operations and growth strategy as Managing Director & CEO since 1st April 2025. Ms. Jayasree V Chief Financial Officer Brings over two decades of experience in the financial services industry, including 17 years with reputed institutions such as ICICI Bank, TATA Motors Finance Ltd, Reliance Capital, Manappuram Finance Ltd and SML Finance Ltd. She has deep, hands-on expertise in credit operations, branch management, loan operations and financial oversight, and leads the Company's finance and accounts function. Mr. Jyothish A R Chief Operating Officer A professional with over 20 years of experience in the financial services sector. He commenced his career in 2004 as a one- man agency associated with Bajaj Finance and subsequently worked as an agency associated with Bajaj Finance, Bajaj Finserv, Hero FinCorp and Muthoot, gaining extensive experience in financial services, lending and business operations. Mr. Sujith K Ravindranath Company Secretary & Compliance Officer An Associate Member of the Institute of Company Secretaries of India, with more than 10 years of post-qualification experience. He is responsible for the Company's secretarial, legal and regulatory compliance functions. Other Directors Mr. Vinod Manazhy Chairman & Independent Director A Civil Engineering graduate with over 25 years of banking experience. He began his career with Federal Bank in May 1994 and progressed through roles of increasing responsibility, up to Head of Corporate Relationship Banking, gaining wide exposure to the banking and NBFC sectors along the way. He chairs the Board and the Audit Committee. Dr. Habeebrahiman Independent Director A PhD holder in Finance (Banking) and an experienced academic professional with around 15 years of experience as a full- time Professor / Head of Department / Director in MBA colleges affiliated to MG University. He began his career with Bank of Baroda, rising to the position of Senior Branch Manager, and completed his CAIIB in 1982. He chairs the Nomination and Remuneration Committee. Mr. Thomas Jacob Independent Director A Diploma holder in Engineering with over 20 years of experience in business operations across domestic and foreign entities. He was the first President of the World Malayalee Federation, Kuwait, bringing strong community and stakeholder- relations experience to the Board. He chairs the Stakeholders Relationship Committee. Mr. T. B. Ramakrishnan Non-Executive Director A SEBI-registered Research Analyst with more than three decades of experience across financial markets, stock broking and investment advisory. He chairs the Risk Management Committee of the Company and brings deep market insight to the Board's oversight of the Company's lending and treasury functions. Ms. Jitha Chummar Non-Executive Director Holds an MBA in Finance and brings over 10 years of experience in the field of stock broking. She currently serves as the Presiding Officer of the Company's Internal Committee constituted under the POSH Act. Mr. Unnikrishnan Anchery Non-Executive Director A Mumbai-based Chartered Accountant with more than three decades of experience in Audit and Taxation, having served in advisory roles for several listed and unlisted entities. He is a member of the Company's Audit Committee. Mr. Nijo Michel Non-Executive Director Active in the field of finance since 2012, with focused expertise in the Chits and Lending business, adding operational and market-facing perspective to the Board's deliberations. CHAIRMAN'S MESSAGE Dear Shareholders, It gives me immense pleasure to present to you the 32nd Annual Report of S.I. Capital & Financial Se [Showing first 8,000 characters — download PDF for full document]