Annual Report 2025-26

INDO CREDIT CAPITAL LIMITED Regd. Office : 304, Kaling, B/h. Bata Show Room, Nr. Mt. Carmel School, Ashram Road, Ahmedabad-380 009. Tele Fax:079-26580366 Email ID : indocredit@rediffmail.com 29t August, 2026 BSE Limited Ground Floor, P. ]. Tower Dalal Street, Kala Ghoda, Mumbai-— 400 001 Dear Sir/Madam, With reference to the regulation 34 of Securities and Exchange Board of India (ListingObligations and Disclosure Requirement) Regulations, 20 15, please find the attached copy33¢Annual Report for the Financial Year 2025-2026. The 33w Annual Report for the Financial Year 2025-2026 has been sent to shareholders ofthe company in compliance with the regulation 36 of Securities and Exchange Board ofIndia (Listing Obligations and Disclosure Requirements) Regulations, 2015. Further, theAnnual Report is uploaded at the Website of the company. Kindly acknowledge the receipt of the same and oblige. Thanking You. Yours faithfully For Indo Credit Capital Limited Krol eoernn: Ramkaran Saini Whole Time Director DIN: 00439446 Encl. As Above CIN : L65910GJ1993PLC020651 Website : www.indocreditcapital.com INDO CREDIT CAPITAL LIMITED 33rd Annual Report 2025-26 INDO CREDIT CAPITAL LIMITED BOARD OF DIRECTORS NAME OF DIRECTORS DESIGNATION Mr. Ramkaran Saini Whole Time Director Mrs. Bhanwar Kanvar Independent Director Mr. Pravinkumar Chavada Independent Director Mr. Bhanwarsinh Chauhan Independent Director Mr. Chiman Singh Independent Director REGISTERED OFFICE INTERNAL AUDITORS 304, Kaling, Near Mt. Carmel School, MR. H.K Maheshwari B/h. Bata Show Room, Ashram Road, Ahmedabad Ahmedabad – 380 009 Tele Fax: 079-26580366 CIN: L65910GJ1993PLC020651 Email: indocredit@rediffmail.com Website: www.indocreditcapital.com STATUTORY AUDITORS SECRETARIAL AUDITOR M/s. Naimish N Shah & Co. Mrs. Rupal Patel Chartered Accountants Practicing Company Secretary Ahmedabad Ahmedabad REGISTRAR AND SHARE TRANSFER AGENTS COMMITTEES OF BOARD OF DIRECTORS M/s. MCS Share Transfer Agent Limited - Audit Committee 201, Shatdal Complex, 2nd Floor, - Stakeholder’s Relationship Committee Opp. Bata Show Room, Ashram Road, - Nomination and Remuneration Committee Ahmedabad – 380 009 Ph: 079-26580461, 462, 463 Email: mcsstaahmd@gmail.com Website: www.mcsregistrars.com Index Sr. No Content Page No. 1 Notice 02 2 Directors’ Report 12 3 Particulars of Employee 22 4 Secretarial Auditors Report 23 5 Management Discussion and Analysis Report 27 6 Independent Auditors’ Report 31 7 Balance Sheet 42 8 Profit & Loss Account 43 9 Changes in Equity 44 10 Cash Flow Statement 45 11 Notes on Accounts 46 Annual Report 2025-26 1 INDO CREDIT CAPITAL LIMITED NOTICE Notice is hereby given that the 33rd Annual General Meeting of the members of Indo Credit Capital Limited will be held on Tuesday, 22nd September, 2026 at 03:30 p.m. at registered office of the company situated at 304, Kaling, Near Mt. Carmel School, B/h. Bata Showroom, Ashram Road, Ahmedabad -380 009 to transact the following business: ORDINARY BUSINESS: 1. Consideration and Adoption of the Audited Financial Statements of the Company for the Financial Year ended March 31, 2026 and the Reports of the Board of Directors and Auditors thereon To consider and if thought fit, to pass with or without modification(s), the following resolution as an Ordinary Resolution: “RESOLVED THAT the Audited Financial Statements of the Company for the Financial Year ended 31st March, 2026 and the Reports of the Board of Directors and Auditor thereon, as circulated to the members, be and are hereby considered and adopted.” 2. Re-appointment of Mr. Ramkaran Mangachand Saini (DIN: 00439446) as a director who retires by rotation and being eligible, offers himself for re-appointment. To consider and if thought fit, to pass with or without modification(s), the following resolution as an Ordinary Resolution: “RESOLVED THAT pursuant to the provisions of Section 152(6) and other applicable provisions of the Companies Act, 2013, Mr. Ramkaran Mangachand Saini (DIN: 00439446), who retires by rotation and being eligible offers himself for re-appointment, be and is hereby re-appointed as a director of the Company, liable to retire by rotation.” For & on behalf of the Board of Director For Indo Credit Capital Limited Sd/- Ramkaran Saini Date: 18th August 2026 Whole Time Director Place: Ahmedabad DIN: 00439446 NOTES: 1. A MEMBER ENTITLED TO ATTEND AND VOTE IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE ON HIS / HER BEHALF AND THE PROXY NEED NOT BE A MEMBER OF THE COMPANY. Pursuant to the provisions of Section 105 of the Companies Act, 2013, a person can act as a proxy on behalf of not more than fifty members and holding in aggregate not more than ten percent of the total Share Capital of the Company. Members holding more than ten percent of the total Share Capital of the Company may appoint a single person as proxy, who shall not act as a proxy for any other Member. The instrument of Proxy, in order to be effective, should be deposited at the Registered Office of the Company, duly completed and signed, not later than 48 hours before the commencement of the meeting. A Proxy Form is annexed to this Report. Proxies submitted on behalf of limited companies, societies, etc., must be supported by an appropriate resolution / authority, as applicable. 2. The Register of Members and Share Transfer Books of the Company will remain closed from 16th September, 2026 to 22nd September, 2026 (both days inclusive). The book closure dates have been fixed in consultation with the Stock Exchanges. Annual Report 2025-26 2 INDO CREDIT CAPITAL LIMITED 3. Pursuant to Section 101 and Section 136 of the Companies Act, 2013 read with relevant Rules made there under, Companies can serve Annual Reports and other communications through electronic mode to those Members who have registered their e-mail address either with the Company or with the Depository. Members holding shares in demat form are requested to register their e-mail address with their Depository Participant(s) only. Members of the Company, who have registered their e-mail address, are entitled to receive such communication in physical form upon request. 4. The Notice of AGM, Annual Report and Attendance Slip are being sent in electronic mode to Members whose e-mail IDs are registered with the Company or the Depository Participant(s) unless the Members have registered their request for a hard copy of the same. Physical copy of the Notice of AGM, Annual Report and Attendance Slip are being sent to those Members who have not registered their e-mail IDs with the Company or Depository Participant(s). Members who have received the Notice of AGM, Annual Report and Attendance Slip in electronic mode are requested to print the Attendance Slip and submit a duly filled in Attendance Slip at the registration counter to attend the AGM. 5. Voting through Electronic means: Pursuant to Section 108 of the Companies Act, 2013, read with the Rule 20 and Rule 21 of Companies (Management and Administration) Rules, 2014 in pursuance with the directions issued by SEBI vide Circular No. CIR/CFD/DIL/6/2012 dated 13th July, 2014, the Company is pleased to provide the facility to Members to exercise their right at the Annual General Meeting (AGM) by electronic means and the business may be transacted through e-voting services provided by Central Depository Services Limited (CDSL). A. THE INTRUCTIONS OF SHAREHOLDERS FOR REMOTE E-VOTING: Step 1 : Access through Depositories CDSL/NSDL e-Voting system in case of individual shareholders holding shares in demat mode. Step 2 : Access through CDSL e-Voting system in case of shareholders holding shares in physical mode and non-individual shareholders in demat mode. (i) The voting period begins on 19th September, 2026 at 09:00 a.m. and ends on 21st September, 2026 at 5 p.m. During this period shareholders’ of the Company, holding shares either in physical form or in dematerialized form, as on the cut-off date (record date) of 15th September, 20 [Showing first 8,000 characters — download PDF for full document]