Enclosed herewith Notice of Annual General Meeting forming part of 64th Annual Report of the Company.

Date: August 31, 2026 To, To, BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Bandra-Kurla Complex, Dalal Street, Fort, Mumbai-400001. Bandra (East), Mumbai: 400051. Scrip Code: 505850 Scrip Symbol : MANCREDIT Debt Scrip Code: 976597, 977659, 977808 Dear Sir/Madam, Sub : Notice convening the 64th Annual General Meeting (“AGM”) and Annual Report of Mangal Credit and Fincorp Limited (“the Company”). Pursuant to Regulation 34 and Regulation 53 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed Annual Report for the Financial Year 2025-26 along with the Notice convening the 64th AGM of the Company to be held on Tuesday, September 22, 2026 at 12.30 P.M. (IST) through Video Conferencing (“VC”) / Other Audio Visual Means (“OAVM”). In accordance with the circulars issued by Ministry of Corporate Affairs dated April 8, 2020, and subsequent circulars issued in this regard, the latest being circular dated September 22, 2025 and the circulars issued by the Securities Exchange Board of India, the Annual Report and the Notice for the AGM of the Company is being sent electronically to those shareholders whose email IDs are registered with the Company/Registrar and Share Transfer Agent and the Depositories. The aforesaid Annual Report and the Notice is also available on the Company’s website at www.mangalfincorp.com and on the website of National Securities Depository Limited (“NSDL”) at https://www.evoting.nsdl.com. Brief details of Record date and e-voting events with respect to AGM are as under; Record date for Dividend payment September 14, 2026 Cut-off date to ascertain the Members September 14, 2026 eligible to cast vote E-Voting Start Date & Time September 19, 2026 at 9.00 A.M. IST E-Voting End Date & Time September 21, 2026 at 5.00 P.M. IST 1701/ 1702, 17TH Floor, ‘A’ Wing, Lotus Corporate Park, Western Express Highway, Goregaon (E), Mumbai – 400 063 | CIN: L65990MH1961PLC012227 Tel: 22-42461300, Website: www.mangalfincorp.com info@mangalfincorp.com We request you to kindly take the above on record. Thanking you, Yours faithfully, For Mangal Credit and Fincorp Limited Chirag Narendra Parmar Company Secretary and Compliance Officer Membership No. ACS 66852 Encl: As above 1701/ 1702, 17TH Floor, ‘A’ Wing, Lotus Corporate Park, Western Express Highway, Goregaon (E), Mumbai – 400 063 | CIN: L65990MH1961PLC012227 Tel: 22-42461300, Website: www.mangalfincorp.com info@mangalfincorp.com CREDIT & FINCORP LIMITED Transformative Technology. Purposeful Credit. ENABLING GROWTH, EXPANDING OPPORTUNITY. ANNUAL REPORT | 2025-26 Corporate Statutory Financial Overview Reports Statements CORPORATE INFORMATION TABLE OF Board of Directors Registered & Corporate Office Shri Meghraj Sohanlal Jain Mangal Credit and Fincorp Ltd. Chairman and Managing Director 1701/1702, 17th Floor, A-Wing, Lotus Corporate CONTENT Park, Western Express Highway, Goregaon Shri Nilesh Jain (East), Mumbai-400063 Executive Director and Chief Financial Officer Tel no.: +91 22 4246 1300 Shri Hardik Meghraj Jain Email Id: compliance@mangalfincorp.com Executive Director Registrar and Transfer Agent Corporate Overview Shri Sujan Sinha Non-Executive Non-Independent Director MUFG Intime India Pvt. Ltd. C-101, 247 Park, LBS Marg, Vikroli West, 2 Transformative Technology. Purposeful Credit. Shri Subramanyam Ganesh Mumbai-400083 4 Corporate Overview Independent Director Tel No.: +91 22 4918 6000 Fax No.: +91 22 4918 6060 6 Journey Shri Ramanathan Annamalai Email Id: rnt.helpdesk@in.mpms.mufg.com Independent Director 8 Growing Our Reach, Deepening Our Impact Smt. Vineeta Piyush Patel Debenture Trustee 12 Built For Sustainable Growth Independent Director Catalyst Trusteeship Ltd. 14 Diversifying with Purpose, Enabling Growth Shri Sriram Sankarnarayanan 901, 9th floor, Tower B, PENINSULA BUSINESS 24 Redefining Customer Experience Through Technology Independent Director PARK TOWER, Senapati Bapat Marg, Lower Parel, W, Mumbai, Maharashtra 400013 26 Value Creation Model Key Managerial Personnel Tel No.: +91 022 4922 0555 28 Chairperson’s Message Email Id: ComplianceCTL-Mumbai@ctltrustee.com Shri Meghraj Sohanlal Jain 30 Leading with Purpose, Shaping Tomorrow Chairman and Managing Director SEBI Registration Number: IND000000034 32 Corporate Social Responsibility Shri Hardik Meghraj Jain Credit Rating Agency Executive Director CRISIL Ratings Ltd. Statutory Reports Investor Information Shri Nilesh Jain CRISIL House, Central Avenue, Hiranandani CIN: L65990MH1961PLC012227 Executive Director and Chief Financial Officer Business Park, Powai, Mumbai - 400 076, India 34 Management Discussion and Analysis BSE/NSE Symbol: 505850 / MANCREDIT Shri Chirag Narendra Parmar Tel No.: +91 22 3342 3000 Dividend Proposed: ₹0.75 per Equity Share Email Id: CRISILratinghelpdesk@crisil.com 45 Board’s Report Company Secretary & Compliance Officer AGM Date: September 22, 2026, 12:30 P.M. IST Bankers and Financial Institution Statutory Auditors Paperless version of this report is available online Cholamandalam Investment & Finance Ltd. Financial Statements at: https://mangalfincorp.com/investerZone.aspx M/S. Bhagwagar Dalal & Doshi, Chartered Hinduja Leyland Finance Ltd. Accountants Kissandhan Agri Finance Pvt. Ltd. 97 Independent Auditors’ Report Website link and QR Code Poonawalla Fincorp Ltd. Secretarial Auditors 108 Balance Sheet Tata Capital Ltd. M/S. Vijay S Tiwari and Associates, PCS Northern Arc Capital Ltd. 109 Statement of Profit and Loss Paul Merchant Finance Private Limited 110 Statement of Cash Flows STCI Finance Ltd Tamilnad Merchantile Bank 112 Statement of Changes in Equity Tourism Finance Corporation of india 114 Notes to Financial Statements HDFC Bank Bharat Bank 176 Notice of AGM Catholic Syrian Bank State Bank of India Federal Bank Disclaimer: City Union Bank Indian Overseas Bank In this Annual Report, we have disclosed forward looking information to help our investors comprehend our prospectus and take informed investment decisions. This report is based on certain forward looking statements that we periodically make to anticipate results based on the management’s plans and assumptions. We have tried wherever possible to identify such statements by using words such as ‘anticipates’, ‘estimates’, ‘expects’, ‘projects’, ‘intends’, ‘plans’, ‘believes’, and words of similar substance in connection with any discussion of future performance. We cannot guarantee that these forward looking statements will be realized, although we believe we have been prudent in assumptions. The achievement of results is subject to risks, uncertainties and even inaccurate assumptions. Should know or unknown risks or uncertainties materialize, or should underlying assumptions prove inaccurate, actual results could vary materially from those anticipated or estimated projected. We undertake no obligation to publicity update any forward looking statements, whether as a results of new information, future events or otherwise. Annual Report 2025-26 1 Corporate Statutory Financial Overview Reports Statements TRANSFORMATIVE TECHNOLOGY. 42,868 ₹ lakh PURPOSEFUL CREDIT. Asset Under Management 4,875 ENABLING GROWTH, EXPANDING OPPORTUNITY. Customer Base At Mangal Credit and Fincorp Limited, our journey has always been guided by a simple belief: credit creates its greatest impact when it reaches people and businesses with the right intent, at the right time. As we grow, this belief continues to shape how we lend, how we serve and how we build for the future. The theme of this Annual Report, “Transformative Technology. Purposeful Credit.”, reflects this evolution. Technology is transforming the way financial services are delivered, but for us, its true value lies in making credit more accessible, responsive and relevant to our customers. We are combining technology enabled processes with the strength of relationship led [Showing first 8,000 characters — download PDF for full document]