The Fortieth Annual General Meeting (40th AGM) of the Company is scheduled to be held on Monday, September 21, 2026, at 11:00 a.m. IST through Video Conference (VC) / Other Audio Visual Means (OAVM).

Date: 29.08.2026 Ref: SPFSL/BSE/SEC/202-27/33 BSE Ltd. Corporate Relationship Department, First Floor, New Trading Wing, Rotunda Building, P J Towers, Dalal Street, Fort, Mumbai – 400 001. SCRIP CODE: 540168 Dear Madam/Sir(s), Sub: AGM Notice and Annual Report of 40th Annual General Meeting for the year 2025- 2026 Sir/Madam, The Fortieth Annual General Meeting (40th AGM) of the Company is scheduled to be held on Monday, September 21, 2026, at 11:00 a.m. IST through Video Conference (VC) / Other Audio Visual Means (OAVM). Pursuant to Regulation 34 of SEBI (LODR) Regulations, 2015, we submit herewith the copy of Annual Report for the Financial Year 2025-2026. Further the same is also available on the website of the Company in the web link https://www.suprapacific.com/storage/4314/Supra_Pacific_Annual_Report_2025- 26_FINAL-(8).pdf Thanking You For Supra Pacific Financial Services Limited. Leena Yezhuvath Company Secretary Toll Free: 1800-120-199666 I E:info@suprapacific.com I www.suprapacific.com SUPRA PACIFIC FINANCIAL SERVICES LIMITED ANNUAL REPORT 2025–2026 Supra Pacific Financial Services Limited is a BSE-listed, Reserve Bank of India registered Non-Banking Financial Company serving individuals, self-employed customers, small traders and micro-entrepreneurs through a diversified portfolio of Gold Loans, Vehicle Loans, Microfinance, Traders Loans, Personal Loans and Working Capital Loans, together with insurance-related services. CORPORATE IDENTITY NUMBER LISTED ON L64990MH1986PLC039547 BSE Limited REGULATORY CLASSIFICATION FINANCIAL YEAR REPORTED NBFC — Base Layer, Scale Based Regulation framework 1 April 2025 to 31 March 2026 ANNUAL GENERAL MEETING BASIS OF PREPARATION 40th AGM — Monday, 21 September 2026, 11.00 a.m., through Standalone financial statements prepared under Ind AS VC / OAVM Registered & Corporate Office Contact Floor 11, Office A-1107, Kanakia Wall Street, Toll Free 1800-120-199666 Andheri Kurla Road, Chakala MIDC, Andheri East, info@suprapacific.com Mumbai, Maharashtra 400093 www.suprapacific.com Supra Pacific Financial Services Limited | Annual Report 2025–2026 2 SUPRA PACIFIC FINANCIAL SERVICES LIMITED ANNUAL REPORT 2025–2026 CONTENTS CORPORATE OVERVIEW Corporate Information 5 Message from the Chairman & Managing Director 6 Message from the Chief Executive Officer 8 FY 2025–26 at a Glance 10 Business Performance 11 Products & Services 13 Board of Directors 14 Key Managerial Personnel 15 Human Capital 16 Rewards & Recognitions 17 STATUTORY REPORTS Notice of the 40th Annual General Meeting 19 Director’s Report 35 Annexures to the Director’s Report 49 Report on Corporate Governance 56 Management Discussion and Analysis Report 79 FINANCIAL STATEMENTS Independent Auditor’s Report 89 Annexure A — CARO 2020 94 Annexure B — Internal Financial Controls 98 Balance Sheet 100 Statement of Profit and Loss 102 Cash Flow Statement 103 Statement of Changes in Equity 105 Notes to the Financial Statements 106 Supra Pacific Financial Services Limited | Annual Report 2025–2026 3 SUPRA PACIFIC FINANCIAL SERVICES LIMITED ANNUAL REPORT 2025–2026 CORPORATE OVERVIEW Our foundation. Our performance. Our purpose. Supra Pacific Financial Services Limited | Annual Report 2025–2026 4 SUPRA PACIFIC FINANCIAL SERVICES LIMITED ANNUAL REPORT 2025–2026 CORPORATE INFORMATION BOARD OF DIRECTORS KEY MANAGERIAL PERSONNEL Joby George Manoj Raveendrannair Chairman & Managing Director Chief Executive Officer Abidh Abubakkar Rajeev M. R. Executive Director Chief Financial Officer Sandeep Babu Thonnangamath Leena Yezhuvath Non-Executive Non-Independent Director Company Secretary & Compliance Officer Manoj Karumathil Non-Executive Non-Independent Director Dhanya Jose Independent Director Kanjirikkapallil Saithumuhammad Anvar Independent Director Joly Sebastian Independent Director Adayadiyil George Varughese Independent Director STATUTORY AUDITORS SECRETARIAL AUDITORS M/s G Joseph & Associates M/s DV & Associates Chartered Accountants, Kochi Practising Company Secretaries, Kochi Firm Registration No. 006310S REGISTRAR & SHARE TRANSFER AGENT DEBENTURE TRUSTEE M/s Purva Sharegistry India Pvt. Ltd. M/s Catalyst Trusteeship Ltd. Unit No. 9, Ground Floor, Shiv Shakti Ind. Estate, GDA House, Plot No. 85, Bhusari Colony (Right), J. R. Boricha Marg, Lower Parel East, Paud Road, Kothrud, Pune 411038 Mumbai, Maharashtra 400011 BANKERS REGISTERED & CORPORATE OFFICE Federal Bank Limited Floor 11, Office A-1107, South Indian Bank Limited Kanakia Wall Street, Andheri Kurla Road, City Union Bank Chakala MIDC, Andheri East, CSB Bank Limited Mumbai, Maharashtra 400093 HDFC Bank Limited CIN L64990MH1986PLC039547 State Bank of India info@suprapacific.com · www.suprapacific.com Supra Pacific Financial Services Limited | Annual Report 2025–2026 5 SUPRA PACIFIC FINANCIAL SERVICES LIMITED ANNUAL REPORT 2025–2026 MESSAGE FROM THE CHAIRMAN & MANAGING DIRECTOR Joby George “Our financial performance continues to strengthen, supported by a growing balance sheet and improving business fundamentals.” Dear Shareholders, DIVERSIFIED RETAIL FINANCIAL SERVICES It gives me great pleasure to present to you the Annual As a retail-focused NBFC, we continue to serve Report of Supra Pacific Financial Services Limited for the individuals, self-employed customers, small traders, financial year 2025–26. micro-entrepreneurs and other underserved segments The year under review was marked by a dynamic through a diversified portfolio comprising Gold Loans, operating environment, evolving customer needs and Vehicle Loans, Microfinance, Traders Loans, Personal continued transformation across the financial services Loans and Working Capital Loans, along with insurance- sector. Against this backdrop, your Company remained related services. focused on its core objective of building a sustainable, Our diversified business model enables us to address customer-centric and responsible financial services varied customer requirements while maintaining a institution, while strengthening its operating foundation disciplined approach to risk and portfolio quality. We for the years ahead. remain focused on developing each business segment in line with its market opportunity, economics and risk FINANCIAL PERFORMANCE characteristics, thereby creating a balanced and resilient During FY 2025–26, the Company achieved a key lending franchise. milestone by recording Assets Under Management (AUM) of ₹351.67 crore. Revenue from operations During the year, we continued to strengthen our increased to ₹87.86 crore in FY 2025–26 from ₹47.42 business fundamentals through responsible credit crore in FY 2024–25. EBITDA increased from ₹19.19 crore growth, prudent underwriting, effective collections, in the FY 2024-25 to ₹46.59 Crore in the FY 2025-26. The liquidity management and stronger internal controls. Our net profit has improved from ₹1.21 crore in FY 2024–25 objective is to create a business model that balances to ₹8.17 Crore in FY 2025–26. growth with resilience and long-term sustainability. Our financial performance continues to strengthen, FINANCIAL INCLUSION AND RESPONSIBLE supported by a growing balance sheet and improving LENDING business fundamentals. Net worth has improved to Financial inclusion remains an important part of our ₹114.96 crore and is expected to scale up further over broader purpose. For many of our customers, timely the coming years. access to formal credit can support household requirements, small businesses, income-generating The quality of our portfolio remains a key priority. As of activities and financial stability. FY 2025–26, Gross NPA stood at 1.22 % and Net NPA at 0.73% as of FY 2025-26. Further our Capital to Risk- We recognise the responsibility that comes with being a Weighted Assets Ratio (CRAR) of 38.89 % reflects a financial services provider. Accordingly, we remain strong capital position and provides a sound foundation committed to transparency, fairness, responsible lending for supporting our grow [Showing first 8,000 characters — download PDF for full document]