Silicon Valley Infotech Ltd Management Discussions

INTRODUCTION

Management Discussion and Analysis mainly comprises of the statements which, inter-alia, involve predictions based on perceptions and may, therefore, be prone to uncertainties. It is the sum total of the Companys expectations, beliefs, estimates and projections which are forward looking within the meaning of applicable laws and regulations. The actual results could differ materially from those expressed herein specifically or impliedly.

In 2025-26, the global economy continued to show resilience amid mixed conditions. Growth remained uneven, with some regions advancing steadily while others facing slowdowns. Trade tensions, geopolitical risks, and supply chain challenges persist, sustaining inflationary pressures in several sectors. Central banks are carefully adjusting policies to balance growth support with inflation control. Meanwhile, climate action and technological progress are reshaping industries, creating both obstacles and new opportunities for investment and employment.

India remains one of the fastest-growing major economies, supported by strong domestic demand, government infrastructure initiatives, and expanding private sector activity. The manufacturing sector is gaining momentum, aided by policy incentives and rising foreign investments. Inflation pressures have eased somewhat, helped by stable commodity prices and improved supply chains, though vigilance is necessary amid global uncertainties. Continued focus on digitalization, renewable energy and financial inclusion strengthens Indias growth outlook. However, external risks such as geopolitical tensions and commodity price volatility require coordinated efforts to ensure sustainable and inclusive development.

The Indian financial services sector continued to evolve during the financial year 2025-26, supported by increasing financial intermediation, digitalisation, regulatory developments and greater emphasis on sound governance, capital adequacy, risk management and compliance. The financial services industry, however, continued to face challenges arising from changing regulatory requirements, market volatility, funding conditions and heightened expectations relating to asset quality and financial discipline.

Against this backdrop, the Company continues to focus on prudent management of its financial resources, investment activities and other permissible financial services while strengthening its systems of governance, compliance and risk management.

Silicon Valley Infotech Limited is a listed company engaged in financial services activities. The Company continues to evaluate and undertake business and investment opportunities within the framework of applicable laws, regulations and approvals.

During FY2025-26, the Company operated in a challenging business environment. The scale of operations remained modest and the Company continued its efforts towards efficient utilisation of available financial resources and improvement in its financial position.

The Company believes that opportunities may arise from:

Improved financial-market conditions and investment opportunities; Better utilisation and restructuring of available financial resources; Greater adoption of technology in financial services; Development of disciplined investment and financial-management strategies; and Potential improvement in the operating environment and capital markets.

The Company intends to evaluate such opportunities cautiously, keeping in view the prevailing regulatory framework, available resources and risk-return considerations.

The Company has its own specific risks that are particular to its business including default risk, fluctuation of interest rates, economic cycles etc. Moreover existing banks are moving into retail sector and regional banks like Assamese banks are coming into play, which poses major concern for your company. The volatility in the market is a matter of concern. However economic parameters being strong will upsurge the economy. Your company has a well defined and prudent business practice and a comprehensive Risk Management Policy to manage this risk.

Risk management remains an integral part of the Companys business and decision-making process. The Company is exposed to various risks including market risk, credit risk, liquidity risk, operational risk, regulatory risk and investment risk.

The Company seeks to manage these risks through appropriate internal controls, periodic review of financial and operational matters, compliance monitoring and prudent deployment of resources.

Management continues to review the Companys risk profile and take corrective measures wherever considered necessary.

Your Company is currently engaged in NBFC activities & Financial Management Services. The Company intends to continue focusing on NBFC activities including financing, Inter-corporate Investments & Capital Market activities. At the same time the company has plans to expand its business by offering a wide array of financial products and services.

With a dedicated team of people, the Company expects to establish growth ahead of market in the coming years. It would definitely try to establish itself and remain as a strong player in the finance industry. With the Capital market expected to be in a better mode than the previous few years and with our efforts we can look forward to a prosperous year for the Company.

The Company maintains internal control systems commensurate with the nature and scale of its operations. The internal control framework is intended to safeguard assets, ensure proper accounting records, support reliable financial reporting and promote compliance with applicable laws and regulations.

The management periodically reviews internal controls and processes with a view to strengthening their effectiveness and addressing identified areas of improvement.

Please refer Directors Report for financial performance.

Material Development in Human Resources/industrial relations front number of people employed:

The Company recognises that its employees and professional advisers are important to the effective functioning of its business. The Company continues to maintain appropriate human-resource and administrative practices and encourages a professional and responsible working environment.

The Company will continue to focus on maintaining adequate human resources and strengthening professional capabilities in line with its business requirements.

The Board of Directors have reviewed the Management Discussion and Analysis prepared by the Management, and the Independent Auditors have noted its contents. Statement in this report of the Companys objective, projections, estimates, exceptions, and predictions are forward looking statements subject to the applicable laws and regulations. The statements may be subjected to certain risks and uncertainties. Companys operations are affected by many external and internal factors which are beyond the control of the management. Thus the actual situation may differ from those expressed or implied. The Company assumes no responsibility in respect of forward looking statements that may be amended or modified in future on the basis of subsequent developments, information or events.