Annual Report for the Financial year 2025-2026 along with the Notice of 41st Annual General Meeting ("AGM") of the Company.

To, August 31, 2026 The Manager BSE Limited P. J. Towers, Dalal Street Mumbai – 400001 Scrip Code: 534060 Subject: Annual Report for the Financial Year 2025-26 along with Notice of 41st Annual General Meeting (“AGM”) of the Company Dear Sir/Madam, Pursuant to Regulation 34(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we herewith enclose the electronic copy of the Annual Report of the Company for the Financial Year 2025-26 along with the Notice of 41st Annual General Meeting (AGM) of the Company which is scheduled to be held on Thursday, September 24, 2026 at 11:00 a.m. (IST) through Video Conferencing ("VC") / Other Audio - Visual Means ("OAVM") in accordance with the relevant circulars issued by the Ministry of Corporate Affairs (MCA) and the Securities and Exchange Board of India (SEBI) which is sent to all the members whose email IDs were registered with the Company / Depository Participant(s)/ Registrar and Transfer Agents (RTAs). The Annual Report of the Company for the financial year 2025-26 along with the Notice of 41st AGM of the Company is also uploaded on the website of the Company at www.pmcfincorp.com Also, for the convenience of shareholders, Notice of 41st AGM is uploaded separately on the website of the Company at www.pmcfincorp.com Please find below the attached Annual Report of the Company for the Financial Year 2025-26 You are requested to kindly take the same on your records. For PMC Fincorp Limited Kailash Company Secretary & Compliance Officer Membership No.: ACS 51199 Encl: As Above CONTENTS PAGE NO. CORPORATE INFORMATION 2 KEY STATISTICS 3 NOTICE 4 DIRECTORS’ REPORT 16 MANAGEMENT DISCUSSION 32 & ANALYSIS CORPORATE GOVERNANCE 34 AUDITORS’ CERTIFICATE ON 57 CORPORATE GOVERNANCE AUDITORS’ REPORT 60 BALANCE SHEET 70 STATEMENT OF PROFIT & LOSS A/C 71 CASH FLOW STATEMENT 73 NOTES FORMING PART OF THE 74 FINANCIAL STATEMENT 41st ANNUAL GENERAL MEETING DATE 24th day of September, 2026 DAY Thursday TIME 11:00 A.M. MODE Through Video Conferencing (“VC”) / Other Audio-Visual Means (“OAVM”) PMC FINCORP LIMITED CIN-L27109UP1985PLC006998 CORPORATE INFORMATION BOARD OF DIRECTORS COMMITTEES Managing Director Audit Committee Mr. Raj Kumar Modi DIN : 01274171 Mahavir Prasad Garg - Chairman Rekha Modi - Member Whole Time Director Yogesh Kumar Garg - Member Mr. Prabhat Modi DIN : 08193181 Stakeholders’ Relationship Committee Non-Executive Director Rekha Modi - Chairman Mrs. Rekha Modi DIN : 01274200 Mahavir Prasad Garg - Member Mr. Puneet Arora DIN : 03056312 Deepali Sehgal Kulshrestha - Member Independent Director Nomination and Remuneration Committee Mr. Mahavir Prasad Garg DIN : 00081692 Yogesh Kumar Garg - Chairman Mr. Yogesh Kumar Garg DIN : 02144584 Mahavir Prasad Garg - Member Ms. Deepali Sehgal Kulshrestha DIN : 10192105 Rekha Modi - Member CHIEF FINANCIAL OFFICER Corporate Social Responsibility Committee Mahavir Prasad Garg - Chairman Mr. Chandresh Kumar Sharma Prabhat Modi - Member COMPANY SECRETARY Yogesh Kumar Garg - Member Mr. Kailash BANKERS HDFC Bank Ltd. STATUTORY AUDITORS ICICI Bank Ltd. M/s Sunil K. Gupta & Associates REGISTRAR & SHARES TRANSFER AGENT Chartered Accountants, Firm Registration No. 002154N Indus Shareshree Private Limited 4232/1 Ansari Road, (Formerly known as Indus Portfolio Pvt. Ltd.) Darya Ganj, New Delhi - 110002 G-65, Bali Nagar, New Delhi - 110 015 Phone : 011-47671214, 47671211, 47671206 INTERNAL AUDITORS REGISTERED OFFICE M/s. KPSP & Associates B-10, VIP Colony, Civil Lines, Chartered Accountants, Rampur - 244901 (U.P.) Firm Registration No.019302N 107, Padma Tower - 1, CORPORATE OFFICE Rajendra Place, New Delhi-110008 201 & 202 Second Floor, Rattan Jyoti Building, 18, Rajendra Place, New Delhi-110008. SECRETARIAL AUDITORS M/s Anamika Bhola & Associates CONTACT DETAILS Company Secretaries Tel : 011 - 47631025, 26, 27 ACS No.: 26132, CP No.: 23474 Email : compliances@pmcfincorp.com RZ-44, South Extn, Part-III, Shukar Bazar, Website : www.pmcfincorp.com Uttam Nagar, New Delhi-110059 CORPORATE IDENTITY NUMBER L27109UP1985PLC006998 IMPORTANT COMMUNICATION TO THE MEMBERS The Ministry of Corporate Affairs has taken a "Green Initiative in the Corporate Governance" by allowing paperless compliances by the Companies and has issued circulars stating that service of Notice / documents including Annual Report can be sent by e-mail to its members. To support this green initiative of the Government in full measure, members who have not registered their E-mail addresses, so far, are requested to register their E-mail addresses, with the Registrar & Share Transfer Agent and/or the Company. 2 ANNUAL REPORT 2025-26 PMC FINCORP LIMITED CIN-L27109UP1985PLC006998 KEY STATISTICS Financial Highlights for the year ended 31 March 2026 PARTICULARS FY2026 FY2025 YoY TOTAL REVENUE 1,823.67 2,124.43 -14.16% EBITDA 1,223.16 1,977.46 -38.14% EBITDA Margin % 67.07% 93.08% -2601 bps PBT 879.59 1842.92 -52.27% PBT (%) 48.23% 86.75% -3852 bps PROVISION FOR TAX/PAID 264.38 407.95 -35.19% PAT 615.21 1434.98 -57.13% PAT Margin % 33.73% 67.55% -3381 bps NET WORTH 18569.72 16902.86 9.86% EPS ( 1/- per share) 0.09 0.20 -57.13% BOOK VALUE ( 1/- per share) 2.61 2.37 9.86% Amount in Lakhs (INR) ANNUAL REPORT 3 2025-26 PMC FINCORP LIMITED CIN-L27109UP1985PLC006998 NOTICE Notice is hereby given that the forty first Annual General Meeting of the Members of PMC FINCORP LIMITED will be held on Thursday, the 24th day of September, 2026 at 11:00 A.M. (IST) for the transaction of the following businesses, through Video Conferencing ("VC")/Other Audio-Visual Means ("OAVM") in conformity with the regulatory provisions and the Circulars issued by the Ministry of Corporate Affairs, Government of India:- ORDINAY BUSINESS: 1. TO RECEIVE, CONSIDER AND ADOPT THE AUDITED STANDALONE FINANCIAL STATEMENTS OF THE COMPANY FOR THE FINANCIAL YEAR ENDED MARCH 31, 2026, TOGETHER WITH 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 Standalone Financial Statements of the Company for the financial year ended March 31, 2026, together with the reports of the Board of Directors and Auditors thereon, as circulated to the members, be and are hereby received, considered and adopted." 2. TO APPOINT A DIRECTOR IN PLACE OF MR. RAJ KUMAR MODI (DIN: 01274171), WHO RETIRES BY ROTATION AT THIS ANNUAL GENERAL MEETING AND BEING ELIGIBLE OFFERS HIMSELF FOR REAPPOINTMENT. 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 of the Companies Act, 2013, Mr. Raj Kumar Modi (DIN: 01274171), who retires by rotation and being eligible offers himself for re-appointment, be and is hereby re- appointed as a Director of the company." 3. APPOINTMENT OF M/S SUNIL K. GUPTA & ASSOCIATES, CHARTERED ACCOUNTANTS (FIRM REGISTRATION NO. 002154N), AS STATUTORY AUDITORS OF THE COMPANY. To consider and, if thought fit, to give assent or dissent to the following resolution proposed to be passed as an Ordinary Resolution: "RESOLVED THAT pursuant to the provisions of Sections 139, 142 and other applicable provisions, if any, of the Companies Act, 2013, read with the Companies (Audit and Auditors) Rules, 2014, (including any statutory modification(s) or re-enactment thereof for the time being in force), M/s. Sunil K. Gupta & Associates., Chartered Accountants (Firm Registration No. 002154N), who were appointed by the Members of the Company at the Extraordinary General Meeting held January 16, 2026 to fill the casual vacancy caused by the resignation of the previous Statutory Auditor and who hold office up to the conclusion of this Annual General Meeting, and being eligible for appointment and having furnished their written consent and certificate under the Com [Showing first 8,000 characters — download PDF for full document]