6-K

UNITEDSTATES

SECURITIESAND EXCHANGE COMMISSION

Washington,D.C. 20549

FORM6-K

REPORTOF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of March 2026.

Commission File Number 001-42502

PlutusFinancial Group Limited

(Translation of registrant’s name into English)

8/F,80 Gloucester Road

WanChai, Hong Kong

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

☒ Form 20-F                ☐ Form 40-F

FurtherExtension of Outside Date under Merger Agreement

As previously disclosed in our reports on Form 6-K furnished to the SEC on July 9, 2025, July 16, 2025, August 8, 2025, and December 31, 2025, Plutus Financial Group Limited entered into an Agreement and Plan of Merger (the “Merger Agreement”) dated July 9, 2025 and an Amendment to the Merger Agreement (the “First Amendment to the Merger Agreement”) dated December 30, 2025 with Choco Up Group Holdings Limited. Coders Merger Sub Limited has acceded to and joined as a party to the Merger Agreement by way of a joinder dated August 8, 2025. Under the Merger Agreement and the First Amendment to the Merger Agreement, we will acquire all outstanding equity interests in Choco Up in exchange for a mixture of newly issued Class A ordinary shares and newly issued Class B ordinary shares in a transaction exempt from the registration requirements under the Securities Act of 1933. The closing of the transaction is subject to the satisfaction of certain closing conditions, including the Nasdaq approval. Section 9(b) of the Merger Agreement provides that the agreement may be terminated by the parties if the closing has not occurred by December 31, 2025 (the “Outside Date”). Under the First Amendment to the Merger Agreement, the Outside Date was extended to March 31, 2026.

On March 31, 2026, the parties executed the Second Amendment to the Merger Agreement to further extend the Outside Date to June 30, 2026. The Second Amendment to the Merger Agreement is furnished herewith as Exhibit 10.1.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

EXHIBITINDEX

Exhibit10.1

SECONDAMENDMENT TO AGREEMENT AND PLAN OF MERGER

THIS SECOND AMENDMENT (this “Second Amendment”) to the Agreement and Plan of Merger dated as of July 9, 2025 (the “ Original Merger Agreement”), is made and entered into as of March 31, 2026 by and among Plutus Financial Group Limited, a Cayman Islands exempted company (“Plutus”), Coders Merger Sub Limited, a Cayman Islands exempted company (“MergerSub”), and Choco Up Group Holdings Limited, a Cayman Islands exempted company (the “Target”). Capitalized terms used but not defined herein shall have the meanings assigned to them in the Merger Agreement.

RECITALS

**WHEREAS,**Plutus and the Target entered into the Original Merger Agreement dated as of July 9, 2025 and, by way of a joinder dated August 8, 2025, Merger Sub has acceded to and joined as a party to the Merger Agreement;

**WHEREAS,**the Original Merger Agreement was amended by the Amendment to Agreement and Plan of Merger dated as of December 31, 2025 (the “FirstAmendment”) (the Original Merger Agreement as amended by the First Amendment is referred to herein as the “MergerAgreement”);

**WHEREAS,**the Merger Agreement provides that it may be amended by the Parties at any time by execution of an instrument in writing signed on behalf of each of the Parties;

**WHEREAS,**the Parties desire to amend the Merger Agreement to extend the Outside Date to allow additional time for the satisfaction or waiver of the conditions to Closing, including obtaining Nasdaq approval of the Listing Application; and

**WHEREAS,**the Parties have determined that it is advisable and in their respective best interests to enter into this Second Amendment in accordance with the terms and conditions set forth herein.

NOW,THEREFORE, in consideration of the foregoing and the mutual covenants and agreements herein contained, and intending to be legally bound hereby, the Parties agree as follows:

AGREEMENT

[Signaturepages follow]

INWITNESS WHEREOF, the Parties have caused this Second Amendment to be executed as of the date first written above.

[SignaturePage to Amendment to Merger Agreement]

INWITNESS WHEREOF, the Parties have caused this Second Amendment to be executed as of the date first written above.

[SignaturePage to Second Amendment to Merger Agreement]

INWITNESS WHEREOF, the Parties have caused this Second Amendment to be executed as of the date first written above.

[SignaturePage to Second Amendment to Merger Agreement]