TO 
THE MEMBERS
Your Directors have pleasure in presenting their 32nd Annual Report on
the business and operations of the Company together with the Audited Accounts of the
Company for the financial year ended March 31,2025.

FINANCIAL RESULTS

  

    
PARTICULARS
    
Year ended 31st March 2025
    
Year ended 31st March 2024
  
  

    
PROFIT BEFORE TAX
    
87,647.05
    
2,81,566.17
  
  

    
Less/Add:
    

    

  
  

    
Provision for taxation
    
(34,657.31)
    
(39,849.17)
  
  

    
MAT Credit Entitlement
    
-
    
-
  
  

    
Provision for Deferred Tax Assets
    
34,977.35
    
(28,384.64)
  
  

    
Earlier year taxation
    
4,147.30
    
453.49
  
  

    
PROFIT AFTER TAX
    
92,114.39
    
2,13,785.84
  
  

    
Other Comprehensive Income
    
(158.01)
    
91.07
  
  

    
Total Comprehensive Income
    
91,956.39
    
2,13,876.91
  
  

    
Balance Brought Forward
    

    

  
  

    
-Retained earnings
    
6,32,391.00
    
4,61,345.74
  
  

    
-Other Comprehensive Income
    
59.72
    
(31.35)
  
  

    
Less: Prior Period Items
    
(2,381.94)
    
(42,757.17)
  
  

    
Less: Transfer to Statutory Reserve
    
(18,422.88)
    
(42,757.17)
  
  

    
Less: Provision against Standard Assets
    
—
    
16.59
  
  

    
Less: Provision against Doubtful Assets
    
—
    
—
  
  

    
BALANCE CARRIED TO B/S
    

    

  
  

    
-Retained earnings
    
7,03,700.57
    
6,32,391.00
  
  

    
-Other Comprehensive Income
    
(98.29)
    
59.72
  


DIVIDEND
In order to consolidate the Company's financial position, your
directors consider it prudent not to recommend dividend for the year under review.

RESERVES
The company has transferred an amount of Rs. 1,84,22,878.90 (Previous
Year Rs. 4,27,57,168.23) to statutory reserve in terms of the Provision of Reserve Bank of
India Act, 1934.

STATE OF COMPANY'S AFFAIR
The results for the reporting year compared with the prior year were
decreased mainly due to decrease in the fair value of investments which ultimately
resulted in the decrease in revenues.

CHANGES IN THE NATURE OF BUSINESS
There is no Change in the nature of the business of the Company during
the year.

MATERIAL CHANGES AND COMMITMENTS
There is no material changes occurred subsequent to the close of the
financial year of the Company to which the balance sheet relates and the date of the
report.

SIGNIFICANT AND MATERIALORDERS PASSED BYTHE REGULATORS ORCOURTS OR
TRIBUNALS
There are no significant and material orders passed by the regulators
or courts or tribunals impacting the going concern status and company's operations in
future.

INTERNAL CONTROL SYSTEMS
The Company has an Internal Control System, commensurate with the size,
scale and complexity of its operations. To maintain its objectivity and independence, the
Internal Audit function reports to the
Chairman of the Audit Committee of the Boa rd& tot he Chairman
& Managing Director.
The Internal Audit Department monitors and evaluatesthe efficacy and
adequacy of internal control system in the Company, its compliance with operating systems,
accounting procedures and policies of the Company.

SUBSIDIARY/ASSOCIATE/JOINT VENTURE COMPANIES:
The Company does not become or ceased to be or have any
Subsidiary/Joint Ventures/ Associate Companies duringtheyear.

DEPOSITS
Your Company has not accepted any deposits within the meaning of
Section 73 of the Companies Act, 2013 and the Companies (Acceptance of Deposits) Rules,
2014.

SHARE CAPITAL
During the year under review, the company has not issued shares with
differential voting rights nor granted stock options norsweat equity.

EXTRACTOFANNUAL RETURN
The details forming part of the extract of the Annual Return in form
MGT-9 is annexed herewith as "AnnexureA".

CONSERVATION OF ENERGY. TECHNOLOGYABSORPTION AND FOREIGN EXCHANGE
EARNING & OUTGO
The information required u/s. 134(3)(q) of the Companies Act, 2013,
read with the Rule 8(3) of Companies (Accounts) Rule,2014 with respect to conservation of
Energy, Technology absorption are not applicable to the company. The Company has no
foreign exchange outflow or inflow during the year under review. PARTICULARS OF LOANS,
GUARANTEES OR INVESTMENTS
The Company, being a non-banking finance company registered with the
Reserve Bank of India and engaged in the business of giving loans, is exempt from
complying with the provisions of section 186 of the Companies Act, 2013. Accordingly, the
disclosures of the loans given as required under the aforesaid section have not been given
in this Report.

PARTICULARS OF CONTRACTS OR ARRANGEMENTS WITH RELATED PARTIES U/S
188(1)
All related party transactions that were entered into during the
financial year were on arm's length basis and were in the ordinary course of the business.
There are no materially significant related party transactions made by the company with
Promoters, Key Managerial Personnel or other designated persons which may have potential
conflict with interest of the company at large. The details of the related party
transaction made by company are given in the notes to the financial statements.

RISK MANAGEMENT POLICY
Pursuant to section 134 (3) (n) of the Companies Act, 2013 & the
listing regulations, the Board of Directors has adopted risk management policy for the
Company which provides for identification, assessment and control of risks which in the
opinion of the Board may threaten the existence of the Company. The Management identifies
and controls risks through a properly defined framework in terms of the aforesaid policy.
At present the company has not identified any element of risk which may
threaten the existence of the company.

CORPORATE SOCIAL RESPONSIBILITY
The Company works primarily towards supporting projects in eradication
of hunger and malnutrition, promoting education, art and culture, healthcare, destitute
care and rehabilitation, environmental sustainability, disaster relief and rural
development projects.
Details of the CSR policy are available on
ourwebsiteatwww.saumyaconsultants.com A detailed Annual Report on CSR Activities
undertaken by the Company during the year as prescribed under the Companies (Corporate
Social Responsibility) Amendment Rules, 2021 is annexed herewith as

'AnnexureC'.
CORPORATE GOVERNANCE CERTIFICATE
The Compliance certificate from the auditors regarding compliance of
conditions of corporate governance asstipulatedinSEBI (LODR), Regulation, 2015 of the
Listing agreement shall be annexed with the report. VIGIL MECHANISM/WHISTLE BLOWER
POLICY
The Board of Directors of the Company has adopted Whistle Blower
Policy. The management of the Company, through the policy envisages encouraging the
employees of the Company to report to the higher authorities any unethical, improper,
illegal or questionable acts, deeds & things which the management or any superior may
indulge in. This policy has been circulated to employees of the Company. However, no
employee has been denied accesstothe Audit Committee.

NOMINATION & REMUNERATION COMMITTEE
The Board has, on the recommendation of the Nomination &
Remuneration Committee framed a policy for selection and appointment of Directors, Senior
Management and their remuneration. The Remuneration Policy is stated in the Corporate
Governance Report.

PARTICULARS OF EMPLOYEES
None of the employees, who were in receipt of remuneration in excess of
the limits as specified under Rule 5(2) of the Companies (Appointment and Remuneration of
Managerial Personnel) Rules, 2014 throughout or part of the financial year under review,
was engaged in the company.

DIRECTORS:
Changes in Directorsand Kev Managerial Personnel
Mrs. Sudha Agarwalla retires by rotation and, being eligible, offers
herself for re-appointment. The Directors recommend Mrs. Sud ha Agarwa I la for
re-appointment.

Independent Director(s) declaration
Mr. Anuj Kumar Modi and Mr. Mohit Gaddhyan, who are Independent
Directors, have submitted a declaration that each of them meets the criteria of
independence as provided in Sub-Section (5) of Section 149 of the Act and the Listing
regulation. Further, there has been no change in the circumstances which may affect their
status as independent director during the year.

Board Evaluation
Pursuant to the provisions of the Companies Act, 2013 and the Listing
Regulation, the Board has carried out an evaluation of its own performance, the directors
individually as well as the evaluation of the working of its Audit, Nomination &
Remuneration Committees. The manner in which the evaluation has been carried out has been
explained in the Corporate Governance Report.

CODEOFCONDUCT
The Directors and members of Senior Management have affirmed compliance
with the Code of Conduct for Directors and Senior Management of the Company. A declaration
to this effect has been signed by Managing Directors and forms part of the Annual Report.

BOARD MEETING
During the year Thirteen Board Meetings were convened and held. The
intervening gap between the Meetings was within the period prescribed under the Companies
Act, 2013 .The details of which a re given in the Corporate Governance Report.

SECRETARIAL AUDITOR & SECRETARIAL AUDIT REPORT
Pursuant to provisions of section 204 of the Companies Act, 2013 and
the Companies (Appointment and Remuneration of Managerial Personnel) Rules, 2014 the
company has appointed Mr. Anand Khandelia, a firm of Company Secretaries in practice to
undertake the Secretarial Audit of the Company. The Secretarial Audit report is annexed
herewith as "Annexure B".

STATUTORY AUDITOR & AUDITORS REPORT
Pursuant to the provisions of section 139 of the Companies Act, 2013,
M/s A. K. Meharia & Associates,
Chartered Accountants, were appointed as statutory auditors of the
Company at the 28th annual general meeting (AGM) of the Company for a period from the
conclusion of the said AGM till the conclusion of the 33rd AGM.
The Auditor of the company has not made any qualification, reservation
or adverse remark or disclaimer in his report and hence, do not call for any further
comments under Section 134 of the Companies Act, 2013. DIRECTOR'S RESPONSIBILITY
STATEMENT
In terms of Section 134 (5) of the Companies Act, 2013, the directors
would like to state that:
i) In the preparation of the annual accounts, the applicable accounting
standards have been followed.
ii) The directors have selected such accounting policies and applied
them consistently and made judgments and estimates that were reasonable and prudent so as
to give a true and fair view of the state of affairs of the Company at the end of the
financial year and of the profit or loss of the Company for the year under review.
iii) The directors have taken proper and sufficient care for the
maintenance of adequate accounting records in accordance with the provisions of this Act
for safeguarding the assets of the Company and for preventing and detectingfraud and other
irregularities.
iv) The directors have prepared the annual accounts on a going concern
basis.
v) The directors had laid down internal financial controls to be
followed by the company and that such internal financial controls are adequate and were
operating effectively.
vi) The directors had devised proper system to ensure compliance with
the provisions of all applicable laws and that such system were adequate and operating
effectively.

INDUSTRIAL RELATIONS
During the year under review, your Company enjoyed cordial relationship
with workers and employees at all levels.

CORPORATE GOVERNANCE AND MANAGEMENT DISCUSSION & ANALYSIS REPORTS
The Corporate Governance and Management Discussion & Analysis
Report, which form an integral part of this Report, are set out as separate Annexure,
together with the Certificate from the auditors of the Company regarding compliance with
the requirements of Corporate Governance as stipulated in the Listing Regulations.

DISCLOSURE AS PER SEXUAL HARRASSMENT OF WOMEN AT WORKPLACE (PREVENTION,
PROHIBITION AND REDRESSAL) ACT. 2013
The Company has zero tolerance for sexual harassment at workplace and
has adopted a policy on prevention, prohibition and redressal of sexual harassment at
workplace in line with the provisions of Sexual Harassment of Women at Workplace
(Prevention, Prohibition and Redressal) Act, 2013 and the rules framed thereunder. During
the financial year 2024-2025, no complain had been received. PECUNIARYRELATIONSHIPORTRANSACTIONS
OF NON-EXECUTIVE DIRECTORS
During the year, the Non-Executive Directors of the Company had no
pecuniary relationship or transactions with the Company.

ACKNOWLEDGEMENTS:
Your Company and its Directors wish to extend their sincerest thanks to
the Members of the Company, Bankers, Executives, Staff and workers at all levels for their
continuous cooperation and assistance.