Credit Rating

26th August, 2026 To, To, National Stock Exchange of India Limited, BSE Limited, Exchange Plaza, Plot No. C/1, G Block, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, 21st Floor, Dalal Street, Bandra (East), Mumbai – 400051. Mumbai – 400001. NSE Symbol: SBFC BSE Equity Scrip Code: 543959 Dear Sir/Madam, Sub: Disclosure of Credit Rating under Regulations 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Pursuant to the aforementioned regulations, please find below the details of credit rating(s) assigned by India Ratings and Research Private Limited for Securitised Notes issued by Horizon Trust LAP June 2026 (an asset-backed securities transaction). Name of the Trust Credit Rating Agency Instrument Rating Horizon Trust LAP June 2026 Series A1 (an asset-backed securities India Ratings and Research Private IND AA+ Securitised transaction) Limited (SO)/Stable Notes The rating letter provided by India Ratings and Research Private Limited was received by the Company on 26th August, 2026 at 10:51 AM (IST) which has been enclosed herewith. This information is also being uploaded on the website of the Company at: https://www.sbfc.com/investors. You are requested to take the same on record. Thanking you, Yours faithfully, For SBFC Finance Limited Sanket Agrawal Chief Financial Officer SBFC Finance Limited Registered Office: Unit No. 103, 1st Floor, C&B Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East) Mumbai - 400 059 T.: +91-22-67875300 • F : +91-22-67875334 • www.SBFC.com • complianceofficer@sbfc.com CIN No: L67190MH2008PLC178270 Mr. Sanket Agrawal, Chief Financial Officer, SBFC Finance Limited, Unit No 103, First Floor, Andheri Kurla Road, Chakala, Andheri East, Mumbai – 400059. August 25, 2026 Dear Sir/Madam, Re: Rating Letter for ABS of Horizon Trust LAP June 2026 India Ratings and Research (Ind-Ra) has converted the provisional rating on Horizon Trust LAP June 2026’s (an asset-backed securities transaction) Securitised Notes (SNs) to a final rating as follows: Instrument Regulator of Date of Coupon Rate (%) Maturity Size of Issue Rating Assigned Rating Action Description Instrument Issuance Date (INR along with million) Watch/Outlook Series A1 RBI 22 June Benchmark* 20 August 2,176.02 IND AA+(SO)/Stable Converted to Securitised Notes 2026 2040 Final *Coupon rate is floating linked to ICICI 6M MCLR per annum payable monthly The final rating has been assigned following the receipt of the executed transaction documentation, conforming to the information already received by Ind-Ra. 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