Indo Credit Capital Ltd

Indo Credit Capital Limited — Closure of Trading Window from October 1, 2026 until 48 hours after the declaration of Unaudited Financial Results for the quarter ended September 30, 2026

AGM Details

• AGM held Sep 22, 2026 at 3:30 PM; mode: physical at registered office.
• Record date Sep 15, 2026.
• Shareholder participation: Promoter group 3; Public 43.
• Total shareholders on record: 11,243.

Resolutions

• Resolution 1: Ordinary, adoption of audited financial statements and board and auditor reports; passed.
• Resolution 2: Ordinary, re-appointment of Ramkaran Saini as Whole-time Director; passed.

Voting Results

• Resolution 1 voting: all in favour with no opposition.
• Resolution 2 voting: all in favour with no opposition.

Director Changes

• Re-appointment of Ramkaran Saini as Whole-time Director (DIN: 00439446).

AGM details

• Date and time: Sep 22, 2026, 3:30–4:30 PM IST at registered office (physical).
• Mode: Physical AGM; quorum present; chairperson: Whole Time Director.
• Remote e-voting: cutoff date Sep 15, 2026; e-voting Sep 19–21, 2026.
• Ballot voting available at AGM; scrutineer appointed; results to be declared.
• Scrutinizer appointed; results posted on company and CDSIL websites.

Key resolutions

• Ordinary: Adoption of audited financial statements and reports of Board and Auditors.
• Ordinary: Re-appointment of Ramkaran Mangachand Saini as director by rotation.

Voting status

• E-voting results to be declared after scrutinizers report.

Financial performance

• Revenue from operations: ₹28.09 lakh in FY2025-26, ₹12.87 lakh in 2024-25.
• Gross profit before tax: ₹6.08 lakh; profit after tax: ₹6.08 lakh.
• YoY: from ₹5.06 lakh loss (2024-25) to ₹6.08 lakh profit.
• Earnings per share: Basic and Diluted ₹0.08.
• Special Reserve Fund (RBI) added ₹1.22 lakh.

Dividends & capital structure

• Dividend for 2025-26 not declared due to inadequate profits.
• Equity share capital at 31 March 2026: ₹7.23 crore.
• Promoter holding: 14.51% (1,049,500 shares) at year-end.
• No changes in equity; no ESOPs or sweat equity; no buybacks.

Assets & liquidity

• Total assets ₹1,006.29 lakh; loans ₹129.42 lakh; investments ₹609.54 lakh.
• Total liabilities and equity ₹1,006.29 lakh; non-financial liabilities ₹418.26; equity ₹723.08.
• Bank borrowings: none; loans repayable on demand ₹129.42 lakh.
• Contingent liabilities ₹74.71 lakh.

Governance & controls

• Board: five directors; one executive Ramkaran Saini; four independent.
• Audit Committee: three independent directors; met four times.
• Statutory Auditor: Naimish N Shah & Co; Internal Auditor: H.K. Maheshwari.
• Secretarial audit flagged promoter demat non-compliance; RBI filing delays due to technical issues.

Audits & compliance

• Auditor's report: unmodified; no material misstatements.
• Internal controls: adequate and operating effectively.

Management discussion & sector outlook

• NBFC sector outlook: 15-17% credit growth CAGR FY24-FY27.
• Co-lending reforms and digital disbursement support growth; cyber risk remains critical.
• FY27 securitisation volumes rising, led by gold loan pools.

Shareholder meeting & notices

• 33rd AGM on 22 Sept 2026 at 3:30 PM at registered office.
• Remote e-voting from 19-21 Sept 2026; cut-off date 15 Sept 2026.
• Ordinary business includes adoption of financial statements; re-appointment of Ramkaran Saini.

AGM details and resolutions

• 33rd AGM on 22 September 2026 at 3:30 PM, at registered office; physical meeting.
• Audited FY2025-26 financial statements and reports to be adopted.
• Ordinary resolution for re-appointment of Ramkaran Mangachand Saini as director retiring by rotation.
• Record date for voting rights fixed at 15 September 2026.
• Register of Members closure from 16 to 22 September 2026.
• Remote e-voting window from 19 Sept 2026 09:00 to 21 Sept 2026 17:00.
• Ballot voting option and Scrutinizer appointed; results to be declared at AGM.
• Statutory auditor M/s Naimish N Shah & Co issued an unmodified report.
• Explanatory Statement covers only items 1 and 2.

Governance and reporting approvals

• Approved Directors' Report for year ended 31 Mar 2026 and Secretarial Audit Report.

AGM scheduling and notices

• 33rd AGM to be held Sep 22, 2026 via VC; AGM notice approved.

Register closure and record date

• Register of Members and transfer books closed Sep 11–17, 2026 for AGM.

Scrutinizer appointment

• Mrs. Rupal Patel, PCS, appointed Scrutinizer for remote e-voting and AGM voting.

Meeting Details

• Date: August 18, 2026.
• Venue: Registered Office, 304, Kaling, B/h. Bata Show Room, Ashram Road, Ahmedabad-380 009.
• Time: Not disclosed.

Key Agenda Items

• Approve Draft Director’s Report and Secretarial Audit Report for year ended March 31, 2026.
• Fix day, date, time, and venue of 33rd AGM for FY 2025-26 and draft Notice.
• Decide on dates for closure of Register of Members and Share Transfer Register.
• Approve draft notice for Annual General Meeting.
• Appoint Scrutinizer for remote e-voting and AGM.

Other Notes

Financial results

• Unaudited standalone results for quarter ended 30 June 2026 approved; reviewed by audit committee.
• Statutory auditors carried out a limited review.

Other business reviewed

• Board reviewed the company's other businesses.

Auditor remarks

• Limited review concluded no material misstatement; report submitted under SEBI LODR.