U. Y. Fincorp Ltd

AGM Details

• AGM held on 30 September 2026 via VC/oAVM, commencing at 11:30 AM.

Key Resolutions

• Adopt Audited Financial Statements for year ended 31 March 2026.
• Re-appoint Udai Kothari as Director (retiring by rotation).
• Appoint Praveen Srivastava & Co as Statutory Auditors for five years.
• Re-appoint Dinesh Burman as Whole-time Director for three years.
• Approve material related party transactions.

Voting & Scrutiny

• Remote e-voting conducted Sept 27–29, 2026; Scrutinizer appointed.

U. Y. Fincorp Ltd - Trading Window Closure

Financial performance

• Revenue from operations: ₹16,164.13 Lakhs; up from ₹11,104.61.
• Profit before tax: ₹6,664.38 Lakhs; up from ₹1,693.88.
• Profit after tax: ₹4,827.99 Lakhs; strong YoY rise.
• Lending portfolio: ₹35,652.97 Lakhs as of 31 Mar 2026.
• No dividend declared for FY2025-26.
• EPS Basic ₹2.54; Diluted ₹2.54.
• Total assets: ₹42,343.14 Lakhs; Net worth ₹38,897.74 Lakhs.
• ROA 12.57%; Net profit margin 29.87%.
• Cash flow from operations: negative ₹457.76 Lakhs.

Lending portfolio and growth

• Lending mix: Corporate, Micro-Enterprise, Personal, LAP loans.
• Equipment Financing launched under GrowU.money.
• Pan-India presence; strong in West Bengal, UP, Maharashtra.
• GrowU and Fundobaba brands; FCPL collaboration.
• Loans disbursed to over 18,000 customers nationwide.
• Branch network: 2 branches and 7 Business Correspondents.

Capital structure & corporate actions

• AGM on 30 September 2026; e-AGM via VC/OAVM.
• No dividend for the year; dividend policy unchanged.
• Listed on NSE and BSE; CSE delisted July 2025.
• In-principle approvals for private placement up to ₹50 Cr via QIP.
• Promoters hold ~71%; Govind Goyal resigned as Independent director in 2025.
• Auditors: B Nath resigned; Praveen K Srivastava appointed; to hold till 38th AGM.
• Internal audit: Seth & Associates; Secretarial: Prateek Kohli.

Governance & audit

• Board: 2 Exec, 4 Non-Exec; 3 Independent Directors.
• Audit Committee met 4 times; NRC met none.
• Statutory auditors updated; corporate governance certificate filed.
• Secretarial audit: no reservations; internal controls adequate.
• Code of conduct and insider trading compliance disclosed on company site.

Related party transactions & risk

• Material RPTs approved; aggregate up to ₹30 crore for 2026-27.
• RPTs with promoters/promoter group; ~18.56% of prior-year turnover.
• No votes by related parties on RPTs.
• Impairment of associate Purple Advertising ₹900 Lakhs; not consolidated.
• Risk management framework covers credit, liquidity, market, operational risks.

CSR & sustainability

• CSR expense ₹74.00 Lakhs; CSR obligation ₹68.82 Lakhs.
• Average net profit ₹3,628.25 Lakhs; 2% threshold ₹72.56 Lakhs.
• Total CSR spend ₹74.00 Lakhs; unspent funds nil.
• CSR policy on company site; one CSR committee meeting.
• CSR focus areas include health care, hunger, malnutrition, rural development.

Outlook & strategy

• Outlook: resilient economy; NBFC funding supportive.
• Opportunities: new markets, expanded products, digital finance.
• Strategy emphasizes asset quality, liquidity, efficiency, prudent growth.

Insider trading disclosures

• Disclosure under SEBI Insider Trading Regulations 2015 filed for individuals L. Dipti and DeePak Kothari.
• Regulation 7(2)(b) disclosures and Regulation Z(2)(a) filed; attached to exchange communications.
• Executive Director Dinesh Burman signed on behalf of the company.
• Date of filing: 20 August 2026.

Transaction and holdings

• Target: U. Y. Fincorp Limited.
• Acquirer: Dipti Deepak Kothari (Promoter Group).
• PACs: Udai Kothari, Deepak Kothari, Lotus Capital Financial Services Limited, U. Y. Industries.
• Transaction type: Open market acquisition of 2,00,000 voting shares.
• Pre-holdings total: 13,58,19,806 shares (71.39%).
• Pre-holdings: 37,25,125 shares (1.96%).
• Pre-holdings: 4,41,51,639 shares (23.20%).
• Pre-holdings: 3,74,30,914 shares (19.68%).
• Pre-holdings: 3,70,46,208 shares (19.47%).
• Pre-holdings: 1,34,37,920 shares (7.07%).
• Pre-holdings: 28,000 shares (0.01%).
• Acquisition: 2,00,000 shares (0.11%).
• Mode: Open Market.
• Date: 19.08.2026.
• Post-holdings Dipti Deepak Kothari: 39,25,125 shares (2.06%).
• Post-holdings Udai Kothari: 4,41,51,639 shares (23.20%).
• Post-holdings Deepak Kothari: 3,74,30,914 shares (19.68%).
• Post-holdings Lotus Capital: 3,70,46,208 shares (19.47%).
• Post-holdings U. Y. Industries: 1,34,37,920 shares (7.07%).
• Post-holdings: 28,000 shares (0.01%).
• Total post-holdings: 13,60,19,806 shares (71.49%).
• Equity capital: 19,02,38,329 shares.
• Total diluted capital: 19,02,38,329 shares.

Transaction summary

• Target Company: U. Y. Fincorp Limited.
• Disclosing Party: Dipti Deepak Kothari (Promoter Group) and PAC.
• PACs: Udai Kothari, Deepak Kothari, Lotus Capital, U.Y. Industries Private Ltd.
• Transaction Type: Acquisition of equity shares via Open Market.
• Pre-Transaction Holding: 13,57,83,683 voting rights (71.37%).
• Acquired: 36,123 shares (0.02%).
• Post-Transaction Holding: 19,02,38,329 diluted voting shares after acquisition.
• Date of Transaction: 17.08.2026.
• Total diluted share capital after: 19,02,38,329 shares.

Financial results approved

• Unaudited standalone results for the quarter and three months ended 30 June 2026 approved by the Board.
• Audit Committee reviewed; Limited Review Report submitted by the statutory auditors.
• Period covered: Q1 and three months ended 30 June 2026.

Auditor remarks and material matters

• Emphasis of matter: associate Purple Advertising Services Private Limited not consolidated due to liquidation.
• Impairment of Rs 900 lakhs recognized in earlier years.