General Updates

Baid Finserv Limited Regd. Office: “Baid House”, IInd Floor, 1-Tara Nagar, Ajmer Road, Jaipur-302006 Ph: 9214018855 E-mail: baidfinance@baidgroup.in Website: www.baidfinserv.com CIN: L65910RJ1991PLC006391 Ref. No.: BAIDFIN/2026-27/44 Date: August 26, 2026 BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, C-1 Block-G Dalal Street Bandra Kurla Complex, Mumbai-400001(Maharashtra) Bandra (East), Mumbai-400051 (Maharashtra) Scrip Code: 511724 NSE Symbol: BAIDFIN Sub: Submission of Annual Report Financial Year 2025-26 along with Notice of 35th Annual General Meeting of the Company Dear Sir / Ma’am, Pursuant to the provisions of Regulation 34 of Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (hereinafter referred as “Listing Regulations”), please find attached herewith copy of Annual Report for the Financial year 2025-26 along with Notice of 35th Annual General Meeting of the members of the Company to be held on Wednesday, September 23, 2026 at 03:00 P.M. (IST) onwards through Video Conferencing (“VC”)/ Other Audio Visual Means (“OAVM”). Further, in terms of Regulation 46 of Listing Regulations, the Annual Report along with the Notice of Annual General Meeting is also available on the website of the Company at www.baidfinserv.com/annual-report The Company has sent today, i.e. Wednesday, August 26, 2026, soft copy of the Notice of the 35th Annual General Meeting along with Annual Report for the Financial Year 2025-26 via e-mail to those members who have registered their email addresses with the Company/Depository Participant(s)/Registrar and Share Transfer Agent of the Company. Further, for members who have not registered their email address, a letter containing exact web-link of the website where details pertaining to the entire Annual Report is hosted has also been sent at the address registered in the records of RTA/Company/ Depositories. You are requested to take the above on records. Thanking you, Yours Sincerely, FOR BAID FINSERV LIMITED SURBHI RAWAT COMPANY SECRETARY AND COMPLIANCE OFFICER MEMBERSHIP NO:-A49694 Encl: A/a Baid Finserv Limited Baid Finserv Limited INSIDE THE REPORT I. Corporate Overview III. Financial Statements About Us 4 Independent Auditor’s Report 130 Chairman and Managing Director’s Message 5 Balance Sheet 147 Esteemed Board of Directors 7 S t a t e m e n t o f P r o fit and Loss 149 Key Managerial Personnel and Core Team 10 Cash Flow Statement 151 Corporate Information 11 Notes to Balance Sheet and 154 Profit and Loss Account Notes to Financial Statements 191 II. Statutory Reports IV. Others Notice of Annual General Meeting 227 Board’s Report 20 Corporate Governance Report 43 Annual Report on Corporate Social 99 Responsibility (CSR) Activities 2024-25 Remuneration Disclosure and Analysis 105 Secretarial Audit Report FY 2024-25 111 Management Discussion & Analysis Report 116 Forward-Looking Statements In this Annual Report, we have disclosed forward-looking information to enable stakeholders to comprehend our prospects and take relative decisions. This report and other statements-written and oral-that we periodically make, contain forward-looking statements that set out anticipated results based on the management’s plans and assumptions. We have tried wherever possible to identify such statements by using words such as ‘anticipate’, ‘estimate’, ‘expects’, ‘projects’, ‘intends’, ‘plans’, ‘believes’, and words of similar substance in connection with any discussion of future performance. We cannot guarantee that these forward-looking statements will be realized, although we believe we have been prudent in assumptions. The achievements of results are subject to risks, uncertainties and even inaccurate assumptions. Should known or unknown risks or uncertainties materialize, or should underlying assumptions prove inaccurate, actual results could vary materially from those anticipated, estimated, or projected. Readers should keep this in mind. We undertake no obligation to publicly update any forward-looking statements, whether as a result of new information, future events or otherwise. Baid Finserv Limited I. Corporate Overview As a progressive Non-Banking Financial Company (NBFC), our corporate framework is built to transform financial access into sustainable economic growth. We operate at the intersection of robust credit risk management and deep regional market penetration, allowing us to deploy capital efficiently where it is needed most. By continuously refining our product delivery channels and optimizing our asset portfolio, we ensure operational agility in a dynamic regulatory landscape. Our corporate focus remains clear: building a highly scalable, tech- enabled, and compliant financial institution that delivers consistent value to our shareholders, partners, and the communities we serve. Baid Finserv Limited ABOUT US Metric / Pillar Legacy & Experience Established in 1991 Geographic Anchor Registered Office in Jaipur. Operating across Rajasthan, Madhya Pradesh & Gujarat. Customer Scale 10,000+ Customers Product Core Vehicle Loans | Secured MSME Loans (LAP) | Gold Loans | Insurance Services Our Pillars Anchored by Trust, Integrity, Customer-Centricity & Financial Inclusion. Baid Finserv Limited Chairman and Managing Director’s Message Dear Shareholders, The financial year 2025–26 stands as another important milestone in Baid Finserv's journey of growth, resilience, and transformation. As we reflect on the year gone by, I am proud of the progress we have made in strengthening our business, expanding our reach, and creating sustainable value for all stakeholders. In a year characterized by evolving economic dynamics and changing customer expectations, we remained steadfast in our commitment to responsible growth. Guided by our core values and long-term vision, we continued to deepen our presence across our operating markets while enhancing our ability to serve customers through a diversified portfolio of financial solutions. During the year, the Company achieved significant milestones across key business parameters. Assets Under Management grew to Rs. 476.89 Crore, reflecting a growth of 20.35% over the previous year. Loan disbursements reached Rs. 243.77 Crore, while Profit after Tax increased to Rs. 14.97 crore. Our customer base expanded to more than 9850 customers, reaffirming the trust that individuals, entrepreneurs, and small businesses place in the Baid Finserv brand. While growth remains important, our philosophy has always been to pursue growth with prudence. We continued to strengthen our credit assessment practices, risk management framework, and collection efficiencies, ensuring that expansion is supported by strong asset quality and operational discipline. This balanced approach has enabled us to navigate market cycles effectively while preserving the long-term strength of our franchise. Over the years, Baid Finserv has evolved from a regional lending institution into a diversified financial services platform. Today, our offerings across Vehicle Finance, MSME Loans, Loan against Property, Gold Loans, and Insurance Services enable us to serve customers through various stages of their financial journey. We believe this diversified business model positions us favourably to capitalize on emerging opportunities while mitigating concentration risks. Technology continues to play a pivotal role in shaping the future of financial services. During FY 2025–26, we accelerated our digital initiatives aimed at enhancing customer experience, improving operational efficiency, and strengthening decision-making capabilities. Our investments in technology are not merely about automation—they are about building a scalable and future-ready institution capable of serving customers with greater speed, convenience, and transparency. Baid Finserv Limited Equally important is our commitment to governance and compliance. As a listed Non-Ba [Showing first 8,000 characters — download PDF for full document]