Emerald Finance has announced significant gold loan disbursements totaling over ₹105.00 crores during December 2025, marking a substantial milestone in the company's lending operations. The disclosure was made in compliance with Regulation 30(9) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Gold Loan Disbursement Details

The company, operating through its syndication business model, executed these disbursements in collaboration with its material subsidiary Eclat Net Advisors Private Limited. The substantial loan portfolio was distributed across multiple prominent financial institutions in the Indian banking sector.

Banking Partnerships

The gold loan disbursements were facilitated through strategic partnerships with major financial institutions. Emerald Finance collaborated with several leading banks and financial service providers to execute these transactions effectively.

Key banking partners for the December 2025 disbursements included:

• ICICI Bank Limited
• HDFC Bank Limited
• RBL Bank
• Muthoot Finance Limited

Business Operations Context

The company emphasized that these disbursements represent part of the ordinary course of business for both Emerald Finance Limited and its subsidiary. The disclosure was made in the interest of transparency and to keep stakeholders informed about significant business activities.

Regulatory Compliance

The announcement was made on January 1, 2026, through a formal communication to the BSE Limited's Department of Corporate Services. Company Secretary cum Compliance Officer Amarjeet Kaur (Membership No.: F13755) signed the disclosure document, ensuring adherence to regulatory requirements under the LODR Regulations.

The company maintains its registered office at S.C.O 7, Industrial Area Phase II, Chandigarh, and operates under CIN L65993CH1983PLC041774. This disclosure reinforces Emerald Finance's commitment to maintaining transparency with stakeholders regarding material business developments.

Emerald Finance Limited has announced a strategic partnership with Secure Guard Security and Manpower Services, Chandigarh, to launch its EarlyWage-Access program. The collaboration aims to enable employees to access salary advances seamlessly throughout the month, providing instant financial relief without requiring traditional loan procedures.

Partnership Details

The company disclosed this development pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Program Structure and Benefits

The EarlyWage-Access program represents a salary advance solution that allows employees to receive part of their earned wages before the regular payday. The program operates through a systematic approach where Emerald Finance provides short-term loans as salary advances, with repayment facilitated through salary deductions.

Key features of the program include:

• Instant access to earned wages throughout the month
• Seamless integration with existing payroll systems
• Automatic repayment through salary deduction
• No complex loan application procedures

Strategic Expansion Initiative

This partnership aligns with Emerald Finance Limited's vision to expand its service offerings and serve retail customers more comprehensively. The company has been developing this salary advance solution as part of its broader strategy to diversify its financial products and reach a wider customer base.

The initiative involves establishing partnerships with employers to offer short-term financial solutions directly to their workforce. This approach creates a win-win situation where employees gain financial flexibility while employers can offer additional benefits to their staff.

Implementation Framework

The program operates through a structured framework where Emerald Finance Limited partners with employers to provide the financial infrastructure. The company extends short-term loans to employees, with the loan amounts subsequently recovered through systematic salary deductions coordinated with the employer's payroll system.

This model aims to ensure minimal risk for all parties involved while providing employees with much-needed financial flexibility during the month. The partnership with Secure Guard Security and Manpower Services serves as a pilot implementation of this broader business strategy.