Annual Report for FY 2025-2026

Vakrangee Limited “Vakrangee Corporate House”, Plot No.93, Road No.16, M.I.D.C. Marol, Andheri (East), Mumbai - 400093. Maharashtra, W: www.vakrangee.in | L:+91 22 6776 5100 CIN: L65990MH1990PLC056669`` VKL/C&L/2026/38 August 31, 2026 Department of Corporate Relationship Corporate Relationship Department BSE Ltd. National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Fort, Bandra Kurla Complex, Mumbai – 400001 Bandra (East), Mumbai – 400051 Scrip Code: 511431 Symbol: VAKRANGEE Dear Sir/Madam, Sub: - 7th Integrated Annual Report and 36th Annual Accounts of the Company for the financial year 2025-26 Pursuant to Regulation 34 (1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the 7th Integrated Annual Report and 36th Annual Accounts of the Company for the financial year 2025-26. The Integrated Annual Report has been sent through electronic mode to those Members whose e-mail addresses are registered with the Company/Registrars and Transfer Agent/Depositories. The Report is Vakrangee’s 7th Integrated Annual Report for FY 2025-26. The report elaborates on the organisation’s inclusive approach of creating value for stakeholders. The Report presents Company’s governance, strategy, performance and outlook of business. The key parameters for the period 1st April 2025 to 31st March 2026 are: • 23,087 Active Transacting Vakrangee Kendras • 6,073 Vakrangee White Label ATMs • 535 Master Franchisees • Rs. 53,971.20 Crores - Annual Gross Transaction Value (GTV) • 11.6 Crores Annual Number of Transactions Integrated Annual Report of the Company for the financial year ended March 31, 2026 is also available on the Company's website at the below mentioned link: https://vakrangee.in/investor_resources.html Thanking you, Yours faithfully, For Vakrangee Limited Amit Gadgil Company Secretary & Compliance Officer Mem: A49442 weivrevO ecnamrofreP ygetartS slatipaC yrotutatS slaicnaniF Vakrangee Limited Beyond Reach. Delivering Value. Overview Integrated Annual Report 2025-26 | www.vakrangee.in From the power of presence to the discipline of profitable scale. A Legacy of Inclusion. A Vision that Continues. “He built Vakrangee on a simple conviction: technology, trust and entrepreneurship can bring opportunity closer to every Indian.” The story of Vakrangee remains deeply shaped His most defining contribution was the creation In FY2026, as Vakrangee moves from reach to by the vision of Shri. Dinesh Nandwana Ji, our of the Vakrangee Kendra model, a trusted relevance, from presence to productivity, and from Founder Promoter and Chairman Emeritus. neighbourhood access point where citizens could access creation to disciplined value generation, His passing in January 2025 was a moment of avail banking, ATM, insurance, e-governance, his legacy remains the Company’s North Star. The profound loss for the Vakrangee family. Yet, the e-commerce and other essential services under current focus on higher-margin services, trusted values he embedded in the Company continue to one roof. This phygital model helped bring partner integration, technology-enabled delivery, guide its direction: inclusion, trust, technology-led formal financial and digital services closer to cash flow discipline and sustainable platform access, entrepreneurship and service to Bharat. rural, semi-urban and underserved communities, growth is a continuation of the foundation he built. strengthening Vakrangee’s role as a bridge In memory of our Founder Promoter and Mr. Nandwana founded Vakrangee in 1990 with His physical presence is deeply missed, but his between institutions and citizens. Chairman Emeritus, Shri. Dinesh Nandwana Ji a belief that technology could be used as a force spirit lives on in every Vakrangee Kendra, every for empowerment. What began as a modest He also brought pioneering thinking to the White customer served, every franchisee empowered consultancy grew over three decades into one of Label ATM business by integrating ATMs within and every community brought closer to formal India’s most distinctive last-mile access platforms. the Vakrangee Kendra ecosystem. At a time when services. As Vakrangee enters its next phase He saw potential where others saw distance, and standalone ATM models faced viability challenges, of profitable scale and responsible growth, the “His vision was to bridge opportunity where others saw complexity. His this integrated approach improved footfall, mission he championed remains unchanged: to conviction was simple but powerful: essential strengthened customer convenience and created use technology, trust and entrepreneurship to bring the gap. Our mission is to services should not remain limited by geography, a more sustainable model for last-mile financial essential services closer to every Indian. continue closing it.” income or infrastructure. infrastructure. It reflected his ability to align commercial logic with social purpose. Technology for inclusion Trusted last-mile access Phygital Kendra model Financial and digital empowerment weivrevO ecnamrofreP ygetartS slatipaC yrotutatS slaicnaniF Vakrangee Limited Beyond Reach. Delivering Value. Overview Integrated Annual Report 2025-26 | www.vakrangee.in From the power of presence to the discipline of profitable scale. BEYOND REACH. DELIVERING VALUE. BEYOND REACH. From the power of presence to the discipline of profitable scale. DELIVERING VALUE. From the power of presence to the discipline of profitable scale. For more than three decades, This transition is reflected in a sharper emphasis on higher- Vakrangee has built its identity margin BFSI and non-cash services, including insurance, around access. Through its phygital lending, account opening, deposits, mutual funds and other ecosystem of Kendras, ATMs, digital value-added offerings. These services deepen relationships, platforms, service partners and local widen franchisee opportunities and enable partners to access entrepreneurs, the Company has Bharat through a trusted assisted-distribution platform. brought essential financial, digital Technology is strengthening this evolution. BharatEasy and everyday services closer to extends the Kendra into a connected digital journey. Vortex communities across Bharat. Engineering adds product and banking-automation capability, This presence reflects more than while Perfo® strengthens monitoring and operational geographic reach. It represents intelligence. Together, these capabilities improve reliability, trust built at the last mile, familiarity integration and scalability. within communities and an operating Financial discipline underpins this next phase. Stronger platform that connects institutions margins, improved cash generation, a debt-free balance with customers who may remain sheet and selective capital allocation reflect a commitment underserved by conventional channels. to responsible and profitable growth. Vakrangee is seeking FY2026 marks the next stage of this to generate higher-quality earnings while preserving the journey. Vakrangee is moving beyond resilience to invest in technology, people and governance. the expansion of access towards This evolution reinforces Vakrangee’s purpose. A more improving the value created through productive and sustainable platform can better support that access. The focus is shifting franchisees, strengthen partners, protect customer trust and from presence to productivity, from expand access across underserved markets. transaction volume to service depth, and from network scale alone to Beyond Reach. Delivering Value. captures this transition. stronger platform economics. Vakrangee’s network provides presence, its people and partners build trust, its technology enables intelligence, and its discipline ensures scalable value creation. The power of our platform lies not only in how far it reaches, but in how responsibly and productively it converts that reach into last [Showing first 8,000 characters — download PDF for full document]