JMJ Fintech Limited has announced a postal ballot to seek shareholder approval for a material related party transaction worth ₹10,00,00,000 with JMJ Finance Limited. The Board of Directors made this decision during their meeting held on February 11, 2026, following regulatory requirements under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Postal Ballot Timeline and Process

The company has established a comprehensive timeline for the postal ballot process, with all voting to be conducted through remote e-voting only. The postal ballot notice dated February 11, 2026 will be dispatched electronically to shareholders whose email addresses are registered with the company, depositories, or the Registrar and Transfer Agent, PURVA Sharegistry (India) Private Limited.

Related Party Transaction Details

The proposed transaction involves a secured loan arrangement with JMJ Finance Limited, a related party engaged in non-banking financial company operations. The transaction has been structured to comply with arm's length pricing principles and falls within the ordinary course of the company's lending business.

Financial Context and Justification

The Audit Committee reviewed and approved the transaction on February 11, 2026, noting that it represents a strategic deployment of funds in the company's lending portfolio. The transaction is designed to generate stable interest income while supporting portfolio growth objectives.

Previous Transaction History:

• The company previously took a loan of ₹2,00,00,000 from JMJ Finance Limited during FY 2024-25
• No transactions occurred in the current financial year prior to this proposal
• No defaults recorded in obligations with the related party over the last three years

Key Management Interest

Several key management personnel have disclosed interests in the related party:

E-voting Process and Shareholder Access

Shareholders can participate in the voting process through multiple channels depending on their shareholding mode. Individual shareholders holding shares in demat mode can vote through their respective depository systems (CDSL/NSDL), while physical shareholders and non-individual demat shareholders will use the PURVA e-voting platform at evoting.purvashare.com.

The company has emphasized that no physical copies of the postal ballot notice will be issued, in compliance with MCA circulars. All relevant documents will be available on the company's website at jmfintechltd.com and the BSE website for shareholder reference throughout the voting period.

JMJ Fintech Limited has submitted its comprehensive investor presentation for Q3FY26 to the Bombay Stock Exchange (BSE) under Regulation 30 of SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. The presentation, submitted on February 17, 2026, provides detailed insights into the company's financial performance for the quarter ended December 31, 2025.

Regulatory Compliance and Submission

The investor presentation was formally submitted to BSE by Company Secretary and Compliance Officer Vidya Damodaran, ensuring compliance with regulatory disclosure requirements. The presentation has also been made available on the company's website for public access.

Company Overview and Strategic Position

The presentation highlights JMJ Fintech Limited as a Reserve Bank of India registered Non-Banking Financial Company (NBFC) with over 43 years of operational excellence. The company maintains a strong geographical presence across Maharashtra, Karnataka, Kerala, Puducherry, and Tamil Nadu through 43 branches serving over 24,000 customers.

Key Financial Metrics Presented

The investor presentation showcases the company's robust financial performance with comprehensive quarterly and yearly financial highlights. Key metrics include total income trends, EBITDA performance, and net profit progression across multiple quarters.

Management Structure and Leadership

The presentation details the company's leadership structure, featuring Executive Chairman Mr. Johny Madathumpady Lonappan and Managing Director Mr. Joju Madathumpady Johny. The management team includes independent directors Lt. Col. Velayudhanpillai Harikumar, CA. Sivadas Chettoor, and CA. Julie George Varghese.

Service Portfolio and Market Presence

JMJ Fintech offers comprehensive financial services including personal loans, term loans, corporate loans, business loans, gold loans, and property loans. The company's strategic expansion across major economic corridors positions it as a significant player in India's NBFC sector.

Future Outlook and Strategic Vision

The presentation emphasizes the company's commitment to strengthening its capital structure while maintaining optimal debt-to-equity ratios. Management expressed confidence in delivering superior performance through continued innovation, operational excellence, and disciplined financial management beyond FY26.