Dugar Housing Developments Ltd — Important, 01-09-2025: Company Update

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DUGAR

HOMES

Date: 01.09.2025

To,

BSE Limited

Corporate Relationship Department

P.J. Towers,

Dalal Street, Fort,

Mumbai -400 001.

REF:-BSE SCRIP CODE: 504731

HOUSING DEVELOPMENTS LIMITED

Sub: Newspaper Publication of Notice of 33rd Annual General Meeting

Pursuant to the applicable provisions of SEBI (Listing Obligations and Disclosure

Requirements) Regulations, 2015, kindly find enclosed copies of newspaper advertisement

published in Trinity Mirror (English) and Makkal Kurai (Tamil) regarding otice of the

Annual General Meeting of the Company to be held on Tuesday, 23rd September, 2025 at

12.30 P.M. at the Pallava Hall, Cosmopolitan Club, No. 63, Anna Salai, Chennai.

Kindly take the same on records.

Thanking you.

For Dugar Housing Developments Limited,

Ulhas Deosthale

Director

DIN: 09215291

Dugar -owcrs. 7th Floor. 123. Marshalls Road. Egmo•e Chennai -600 008

p: Otltl ?858 7878 E: 'lru5·ng0'c1ugar tn W: .'l'o'IW c1housl'lyl in

CIN No.

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CHENNAI - 31-AUGUST-2025

3

Tiruchi:

Tamil Nadu has emerged

as a major player in the

aluminum manufacturing

industry, leveraging its

skilled workforce, world-

class infrastructure, and

favorable government

policies. This was the

key message from the

aluminium Extrusion

Manufacturers Association

of India (ALEMAI) as they

announced the upcoming

ALUMEX India 2025

expo. The event, which

is India’s first and only

dedicated platform for

aluminum extrusion, will

take place in New Delhi

from September 10 to

13, 2025.

According to Jitendra

Chopra, President of

ALEMAI, Tamil Nadu is

well-positioned to serve

both India’s domestic and

international markets due

to its “industrial strength,

skilled manpower, and

global connectivity.”

The state is home to a

wide range of aluminum

manufacturers producing

products like sheets,

coils, and extrusions for

various sectors, including

automotive, construction,

and electronics. The

state’s major ports in

Chennai, Ennore, and

Tuticorin provide efficient

logistics for both imports

of raw materials like

bauxite and exports of

finished products.

Market outlook,

challenges

Extrusion is a modern

process in which aluminum

billets are heated and

pushed through a shaped

die opening. The opening

can be modified to create

different shapes and sizes

to fulfill a user’s specific

needs. Depending on the

required aluminum bar

type, we use different steel

casts. Plastic extrusion is

used to produce a wide

range of products on the

market, from building

materials to consumer

products to industrial

parts.ALUMEX India

2025: A Platform for

Growth

India’s aluminum

extrusion market is

experiencing steady

growth, with projections

of it reaching $22.5 billion

by 2035 from its current

value of $8.39 billion in

2024. The southern region,

with Tamil Nadu at the

forefront, is a key growth

hub. However, the sector

faces challenges such

as volatile raw material

prices, rising energy

costs, and the impact of

cheap imports that lead

to the underutilization of

domestic manufacturing

capacity. India’s installed

capacity is 3.5 million

tonnes per annum, but

only about 2 million

tonnes are utilized, with

the rest being imported.

ALUMEX India 2025

aims to address these

challenges through sessions

on technology localization,

green extrusion practices,

government support for

MSMEs, and global

trends. The expo will

bring together over 200

exhibitors and 12,000

visitors, with support

from key industry players

like Hindalco, Vedanta,

and government bodies

such as JNARDDC and

the Ministry of MSMEs.

The event is set to foster

innovation, strengthen the

aluminum ecosystem, and

help position India as

a global manufacturing

leader.

You can learn more

about Tamil Nadu’s

role in the aluminum

industry in this video:

Tamil Nadu’s role in

the aluminium extrusion

industry. This video is

relevant as it provides

a news report on Tamil

Nadu’s emerging role in

the aluminium extrusion

industry and discusses

the upcoming ALUMEX

India 2025 event.

For more information

on ALUMEX India 2025,

visit www.alumexindia.

com.

TN leaders in aluminium

extrusion

The recently released

minutes of the Monetary

Policy Committee (MPC)

meeting underscore how

the Goods and Services

Tax (GST) framework

and its reform trajectory

are increasingly shaping

the country’s monetary

and fiscal outlook.

During the discussions,

external MPC member

Saugata Bhattacharya

noted that the ongoing

conversation on GST

rationalisation holds

significant implications

for tax buoyancy, fiscal

consolidation and inflation

management. A more

efficient GST structure

could potentially widen

the tax base, improve

compliance and enhance

the Central Government’s

fiscal room, thereby

reducing its dependence

on borrowing.

At the same time,

Bhattacharya highlighted

the need for a cautious

approach to interest

rate policy, given the

twin challenges of

lingering trade-related

tariffs and persistent

food inflation pressures.

While global commodity

price fluctuations and

supply chain uncertainties

continue to weigh on

India’s trade balance,

domestic inflationary risks

- particularly from cereals,

pulses, and vegetables -

have limited the scope for

immediate rate cuts.

Reflecting this delicate

balance, the MPC

unanimously opted

to keep the policy

repo rate unchanged,

maintaining the current

stance of “withdrawal

of accommodation.” This

approach provides the

Reserve Bank of India

(RBI) with flexibility

to respond to incoming

economic data, especially

in the context of evolving

fiscal reforms.

Economists and market

analysts believe the

debate over GST slab

restructuring—whether to

simplify the multiple-rate

system or merge certain

slabs - will remain central

to fiscal policy in the

coming quarters. Any

move to broaden the tax

base or streamline rates

could strengthen revenue

mobilisation, which, in

turn, may ease pressure

on the RBI to support

growth through monetary

easing.

Financial experts further

caution that while GST

reforms are structurally

positive, they may have

short-term inflationary

effects if higher tax

incidence on select

goods and services is not

carefully managed. Hence,

coordination between

fiscal policy (Government

taxation) and monetary

policy (RBI’s rate stance)

will be crucial in ensuring

stability.

With India aiming for a

fiscal deficit target of 5.1%

of GDP for FY25, the

interplay of GST reforms,

inflation management, and

monetary decisions will

be watched closely by

markets, investors, and

global rating agencies.

MPC meet moots more

buoyant GST structure

India’s household

savings are set to play

a transformative role in

the country’s financial

landscape, with analysts at

Goldman Sachs projecting

that nearly $9.5 trillion

will flow into financial

assets over the next ten

years. The shift signals a

structural reallocation of

wealth from traditional

holdings such as gold

and real estate toward

equities, deposits, mutual

funds, insurance products

and pension schemes.

The report highlights

that as incomes rise and

financial literacy improves,

Indian households are

increasingly opting for

diversified financial

instruments over physical

assets. The trend is being

accelerated by digital

investment platforms,

regulatory reforms and

greater awareness of long-

term wealth creation tools.

Such inflows are

expected to deepen retail

participation in equity

markets, strengthen

domestic bond markets,

and provide reliable, long-

term funding for corporates

and infrastructure

development. Analysts say

this shift will help create

a stable domestic capital

pool, reducing India’s

dependence on volatile

foreign capital inflows.

“Household savings

have historically been

India’s financial backbone,

but the move toward

financial assets represents

a structural shift. This

will underpin investment,

support fiscal stability, and

widen financial inclusion,”

Goldman Sachs said in

its note.

The country’s rapidly

expanding middle class

is at the heart of this

transition. With growing

incomes and exposure to

digital finance, middle-

class investors are

expected to become the

largest contributors to

retail inflows, gaining

access to instruments that

offer both security and

growth potential.

At the same time,

policymakers are

preparing to capitalise on

this momentum through

new savings schemes,

pension reforms, and

tax-friendly products

aimed at encouraging

households to adopt a

long-term approach to

wealth creation.

India’s savings shift

mirrors earlier transitions

seen in China and other

Asian economies, though

with distinct features.

In China, household

wealth surged into

equities and property

during its high-growth

years, often creating asset

bubbles. India’s transition,

however, is expected to

be more balanced, with a

steady flow into regulated

financial products such as

mutual funds, insurance

and retirement instruments.

Across Southeast Asia,

countries like Indonesia

and Vietnam have also

witnessed rising retail

participation, though

their market depths

remain smaller compared

to India’s. Analysts

believe India is uniquely

positioned to leverage

its young demographic

profile, digital penetration,

Household savings transform

India’s fin landscape: Report

India’s economy is showing resilience

in the face of fresh trade challenges,

according to the latest Economy

Observer report by Dun & Bradstreet.

The report highlights that industrial

activity continues to expand steadily,

even after the United States imposed an

additional 25% tariff on Indian exports

linked to oil imports from Russia.

With the new levy, effective August

27, the total tariff on certain goods has

risen to 50%, affecting major export

sectors including gems, jewellery and

electronics. Despite this setback, Dun &

Bradstreet noted that India’s domestic

economy remains strong, driven by

robust manufacturing, construction

activity, and policy measures aimed at

controlling inflation.

A key relief for exporters is the

recently signed India-UK Comprehensive

Economic and Trade Agreement

(CEFTA), which eliminates tariffs on

99% of Indian exports. This move is

expected to partly cushion the impact

of reduced competitiveness in the

US market. The report also points to

softer food prices and liquidity-boosting

measures as factors supporting economic

stability. While India is projected to

maintain modest growth in the near

term, analysts stress that upcoming

bilateral trade talks with the US will

be crucial to safeguard export earnings

and protect vulnerable sectors.

Despite tariffs, Dun & Bradstreet

hails India’s growth

Shift in saving patterns

India: Projected $9.5 trillion inflows into financial

assets over 10 years. Balanced spread across

equities, deposits and pension products. Supported

by digital adoption and policy reforms.

China: Household savings moved aggressively

into equities and property in the 2000s, often

fuelling asset bubbles. Heavy retail speculation led

to volatility in stock and housing markets.

South East Asia: Countries like Indonesia and

Vietnam are witnessing rising retail participation,

but markets remain shallow. Financialisation is at

an early stage compared to India.

Takeaway

Unlike China’s past asset-driven surges, India’s

transition appears more sustainable, anchored

in regulated products and broad-based retail

participation. This makes India’s financialisation

story a key pillar of its long-term growth trajectory.

Key highlights

1. Projected household inflows: $9.5 trillion into

financial assets over the next decade

2. Shift in trend: From gold and real estate to

equities, deposits, mutual funds & pensions

3. Domestic impact: Strengthens equity and bond

markets, funds corporate and infra growth

4. Regional context: More balanced than China’s

past asset boom; stronger than peers in SE Asia

5. Policy focus: New long-term savings products,

investor protection, tax-friendly reforms

6. Economic outcome: Boosts domestic capital

base, supports $5 trillion economy vision.

and policy support,

making its financialisation

story more sustainable.

While the outlook

remains strong, experts

caution that the shift

comes with challenges.

New retail investors may

be vulnerable to market

volatility, mis-selling of

products, and inadequate

financial planning.

Ensuring investor

protection transparency,

and robust financial

literacy campaigns will

be key to safeguarding

household wealth.

Still, the long-term

benefits outweigh the

risks. If projections

hold, India’s household

financialisation could lift

the investment-to-GDP

ratio, power infrastructure

financing under the

National Infrastructure

Pipeline (NIP), and

provide the capital needed

to achieve the country’s

$5 trillion economy goal.

Muthoottu Mini

Financiers Ltd., one

of India’s established

non-banking financial

companies (NBFCs)

specialising in gold loans,

has announced impressive

financial results for the

quarter ending June 30,

2025. The company

reported a 21.6% increase

in total revenue, reaching

Rs. 225.72

crore, compared to the

same period last year.

Net profit also registered

a healthy 28.1% growth,

standing at Rs. 30.14

crore.

The company’s assets

under management (AUM)

rose sharply by 27%

year-on-year, reaching

Rs. 4,477.66 crore. A

significant portion of this

growth was driven by

the gold loan segment,

which continues to be the

backbone of the company’s

business, accounting for

92.7% of total AUM. The

surge reflects the growing

preference of customers

for gold-backed credit in

both rural and semi-urban

areas, where traditional

banking

penetration remains

limited.

Muthoottu Mini

Financiers has steadily

expanded its footprint and

currently operates 958

branches across 10 states

and two union territories.

The company now

serves over 2.5 million

customers, highlighting

its deep penetration into

regional markets and

strong brand trust among

New products help Muthoottu Mini

Financiers impressive Q1 results

The Pradhan Mantri Jan

Dhan Yojana (PMJDY),

the Central Government’s

flagship financial inclusion

programme, completed

11 years, recording

unprecedented growth

in banking outreach and

savings mobilisation. As

of August 2025, the

scheme has facilitated

the opening of over 56

crore bank accounts, with

total deposits crossing Rs.

2.68 lakh crore, according

to official data.

Launched in August

2014, PMJDY was

envisioned as a national

mission to provide

universal access to banking

facilities, particularly

for the unbanked and

underprivileged segments

of society. The scheme

has since become one

of the world’s largest

financial inclusion

initiatives, linking millions

of rural and semi-urban

households to formal

banking systems.

Transforming Access

to Finance: Under

PMJDY, beneficiaries not

only gained access to

basic savings accounts

but were also integrated

into the wider financial

Jan Dhan Yojana marks 11

years with milestone expansion

Highlights

1. Benefits: Direct transfers, insurance, pension

access, overdraft facility

2. Impact: Promotes savings habits, financial

literacy, economic empowerment

3. Next steps: Digital push, new products,

stronger public-private partnerships

-: Trinity Mirror Online Team :-

of Jan Dhan accounts

in everyday financial

transactions.

Digital Push and Future

Roadmap: Going forward,

the Central Government

plans to deepen the

scheme’s impact by

promoting digital financial

literacy, expanding

partnerships with public

and private sector banks,

and introducing new

savings and credit-linked

products tailored to low-

income groups. Efforts are

also underway to ensure

zero-balance accounts

remain active, with banks

offering incentives and

easier access to credit

facilities.

Financial experts argue

that PMJDY has been

instrumental in supporting

India’s broader goals

of inclusive growth

and poverty reduction,

while also serving as a

foundation for reforms

such as direct benefit

transfers (DBT) and social

security coverage. With

increasing adoption of

digital platforms, the

scheme is expected to

play a crucial role in

bridging the gap between

formal banking and

underserved populations

in rural and semi-urban

households

ecosystem. The scheme

enabled the direct transfer

of Government subsidies,

welfare benefits, and

pensions, reducing

leakages and ensuring

transparency in public

expenditure. It has also

offered accident and life

insurance coverage, as

well as access to micro-

credit facilities, further

strengthening financial

security for low-income

families.

Officials credit

the programme with

fostering a culture of

savings, empowering

women, and expanding

economic opportunities

in areas that were

traditionally underserved.

The spread of digital

payments infrastructure

under initiatives such as

UPI (Unified Payments

Interface) has further

enhanced the effectiveness

POSSESSION NOTICE FOR IMMOVABLE PROPERTY [(Appendix IV) Rule 8(1)]

SMFG India Home Finance Co. Ltd.

Corporate Off. : 503 & 504, 5th Floor, G-Block, Insipre BKC, BKC Main Road, Bandra Kurla Complex, Bandra (E), Mumbai - 400051.Regd. Off. : Commerzone IT Park, Tower B, 1st Floor, No. 111, Mount Poonamallee Road, Porur, Chennai – 600116, TN

WHEREAS the undersigned being the Authorized Officer of SMFG India Home Finance Co. Ltd. a Housing Finance Company [duly registered with National Housing Bank (Fully Owned by RBI)] (hereinafter referred to as “SMHFC”) under

Secuitisation and Reconstruction of Financial Assests and Enforcement of Security Interest Act, 2002 (54 of 2002), and in exercise of the powers conferred under Section 13(12) read with Rule 3 of the Security Interest (Enforcement) Rules, 2002

issued Demand Notice dated mentioned below under Section 13(2) of the said Act calling upon you being the borrowers (names mentioned below) to repay the amount mentioned in the said notice and interest thereon within 60 days from the date

of receipt of the said notice. The borrowers mentioned herein below having failed to repay the amount, notice is hereby given to the borrowers mentioned herein below and to the public in general that the undersigned has Taken Possession of the property

described herein below in exercise of powers conferred on me under sub-section (4) of Section 13 of the Act read with Rule 8 of the Security Interest (Enforcement) Rules, 2002. The borrowers mentioned here in above in particular and the public in general

are hereby cautioned not to deal with said property and any dealings with the property will be subject to the charge of “SMHFC” for an amount as mentioned herein under and interest thereon.

Sl.No.Name of the Borrower(s) / Guarantor(s) LANDescription of Secured Assets (Immovable Property)Demand NoticeDate & AmountDate ofPossession

1

LAN :- 607907510596966

1. Sekar T2. Jamuna S

All That Piece And Parcel Of The Land And Building In Plot No.3 Situated At Kathazhampattu Village, Vellore Tk, Vellore Dt., Measuring

880 Sq.ft. Of Land Comprised In Old Survey No.377b/1a And As Per Patta New Survey No.377B/1A1 Within The Sub-Registration District

Of Kaniyambadi Registration District Of Vellore Within The Boundaries Hereunder: Boundaries: North: Remaining Property Of Pandiyan,

South: 20 Ft Road, East: Plot No.2 Belongs To Babu, West: Plot No.4 Belongs To Ravi Measurements: East To West: 22 Ft., North To South:

40 Ft., admeasuring 880 Sq.ft Of Land And Building

13.06.2025Rs. 7,62,452.10 (Rs.

Seven Lakh Sixty Two Thousand

Four Hundred Fifty Two & Paise

Ten Only) as on 11.06.2025

26.08.2025

Place : Vellore, Tamil Nadu Date : 26.08.2025Sd/-Authorized Officer, SMFG INDIA HOME FINANCE CO. LTD.

DUGAR HOUSING DEVELOPMENTS LTD

NOTICE OF 33rd ANNUAL GENERAL MEETING

CIN: L65922TN1992PLC023689Reg. Off : 123, 7th Floor, Dugar Towers, 34(123) Marshalls Road Egmore,

Chennai, Tamil Nadu, 600008E-mail : dugarhdl@gmail.com Phone: +91 98190 00624

Website : www.dhousingl.in

Notice is hereby given that the 33rd General Meeting (AGM) of the Members of DUGAR HOUSING DEVELOPMENTS LIMITED is scheduled to be held on

Tuesday ,September 23, 2025 at 12.30 P.M. at Pallava Hall, Cosmopolitan Club, No. 63, Anna Salai, Chennai – 600 002, Maharashtra, to transact the business as set out in

the Notice of AGM. The company has sent Notice of AGM on August 30, 2025 only through electronic

mode to the Members whose e-mail id is registered with the Company/Depositories in accordance with the circular issued by Ministry of Corporate Affairs dated May 05,

2020 read with its Circular dated April 08, 2020 April 13, 2020 & January 13, 2021 and SEBI Circular dated May 12, 2020 read with circular January 15, 2021, December 08,

2021 and May 05, 2022. As Per Section 108 of the Companies Act,2013 read with Rule 20 of the Companies (Management and Administration) Rules, 2014, Regulation 44

of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and the Secretarial Standards on General Meeting (“SS-2”) issued by the Institute of Company

Secretary of India, the Company is providing facility to all its Members to cast their vote on all resolutions to be set forth in the Notice of the EGM by electronic means

(e-voting) by using electronic voting system provided by the CDSL. The voting rights of the members shall be in the proportion to the equity share held by them in the paid

up equity share of the Company as on September 16, 2025 (the “cut-off date”).

The remote e-voting period will commence at 09:00 a.m. on Saturday, September 20, 2025 and will end at 05:00 p.m. on Monday, September 22, 2025.

Cut-off date for determining rights of entitlement of e-voting is Tuesday, September 16, 2025;

The members will not be allowed to vote through remote e-voting beyond the period as specified above;

Shareholder acquiring the share of the company and becomes the members of the company after sending of the Notice and holding Shares as of the cut-off date may

follow steps mention in the Notice of AGM to exercise their voting rights;The Members who have cast their vote by remote e-voting prior to the AGM may

also attend/participate in the AGM but shall not be entitled to cast their vote again.The Board has appointed Mr. Ankur Gandhi., Practising Company Secretary to act

as the Scrutinizer to scrutinize the e- voting procedure, who shall submit the resultsof voting to the Chairman.

In case of any queries/grievances pertaining to remote e-voting you may refer to the Frequently Asked Questions (‘FAQs’) for Shareholders and e-voting user manual

for Shareholders available at www.evoting.nsdl.com under help section or contact at 022-23058542/43.

The Notice of the AGM is available and can be downloaded from the Company’s Website: www.dhousingl.in and can also be accessed from the website of the Stock

Exchange i.e. BSE Limited at www.bseindia.com and on the website of CDSL (agency for providing the e-Voting facility) i.e. www.evoting.cdsl.com.

The details are required pursuant to the provision of the Companies Act, 2013 and rules made thereunder are given below:

1.

3.

4.

5.

6.

7.

2.

For Dugar Housing Developments LimitedSd/-

Moganasundaram ChandrasekaranCompany Secretary and Compliance OfficerPlace: MumbaiDate: 30.08.2025

borrowers.

In recent quarters, the

NBFC has introduced

several digital initiatives

aimed at enhancing

efficiency and customer

convenience. These

include a mobile

application for easier loan

management, digital loan

processing systems that

cut turnaround times, and

online payment facilities.

Company officials stated

that these innovations

have helped improve

customer satisfaction and

strengthen operational

efficiency, especially in

urban and semi-urban

markets where tech

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