Please find attached Business Responsibility and Sustainability Reporting

JSFB/SEC/2026-27/80 04th September 2026 National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Bandra (East), Dalal Street, Mumbai 400051. Mumbai 400001. Sub: Business Responsibility and Sustainability Report (‘BRSR’) for the FY 2025-26 Ref: Regulation 34 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Dear Sir/Madam, Please find enclosed the Business Responsibility and Sustainability Report (‘BRSR’) of Jana Small Finance Bank Limited (‘Bank’) for financial year 2025-26. The BRSR forms part of the Bank’s Annual Report for the financial year 2025-26. The BRSR along with the Annual Report is available on the website of the Bank at www.jana.bank.in You are requested to kindly take the same on your record and oblige. Thank you Yours faithfully For Jana Small Finance Bank Limited Lakshmi R N Company Secretary & Compliance Officer JAMA KARO, JANA KARO Registered Office: Jana Small Finance Bank Limited T +91 80 4602 0100 The Fairway Business Park, # 10/1, 11/2 & 12/2B, Off E info@jana.bank.in D omlur, Koramangla Inner Ring Road, Next to Embassy Golf W www.jana.bank.in Links, Challaghatta, Bengaluru -560071. CIN No. L65923KA2006PLC040028 Annexure - II BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORTING FORMAT SECTION A: GENERAL DISCLOSURES I. Details of the listed entity Corporate Identity Number (CIN) of the Listed Entity : L65923KA2006PLC040028 Name of the Listed Entity : Jana Small Finance Bank Limited Year of incorporation : 2006 The Fairway Business Park, First Floor, # 10/1, 11/2 & 12/2B Off Domlur, Koramangala Inner Ring road, Registered office address : Next to EGL Business Park, Challaghatta, Bengaluru – 560071 The Fairway Business Park, First Floor, # 10/1, 11/2 & 12/2B Off Domlur, Koramangala Inner Ring road, Corporate address : Next to EGL Business Park, Challaghatta, Bengaluru – 560071 E-mail : investor.grievance@jana.bank.in Telephone : 080-46020100 Website : www.jana.bank.in Financial year for which reporting is being done : 2025-26 Name of the Stock Exchange(s) where shares are : BSE Limited and National Stock Exchange Limited listed Paid-up Capital : 1,05,32,45,750 Mrs. Lakshmi R N Name and contact details (telephone, email address) Company Secretary & Compliance Officer of the person who may be contacted in case of any : lakshmi.rn@jana.bank.in queries on the BRSR report 080-46020100 Reporting boundary - Are the disclosures under this report made on a standalone basis (i.e. only for the : Standalone basis entity) or on a consolidated basis Name of assurance provider N/A Type of assurance obtained : N/A I. Products/services 1. Details of business activities (accounting for 90% of the turnover) Sr. Description % of Turnover No. of Main Activity Description of Business Activity of the entity Banking activities I.e. Retail Banking, Treasury, Whole- 1. Financial and Insurance service 100% sale Banking, and other Banking Operations. 2. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): S. NIC % of total Turnover No. Product/Service Code contributed 1. Retail Banking, Treasury, Wholesale Banking, and other Banking Operations 64191 100% Annual Report 2025-26 111 Annual Report 2025-26 II. Operations 3. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Total National - 822 822 International - None None 4. Markets served by the entity: a. Number of locations Locations Number National (No. of States) 25 states and 2 union territories International (No. of Countries) NIL b. What is the contribution of exports as a percentage of the total turnover of the entity? • Not applicable c. A brief on types of customers • Bank caters to a diverse set of customer base which includes Individuals/Non Individuals/ NR/ Government/MSME/Large Corporates/Farmers etc. III. Employees 5. Details as at the end of Financial Year: a. Employees and workers (including differently abled) S. Male Female No. Particulars Total (A) No. (B) % (B / A) No. (C) % (C / A) EMPLOYEES 1. Permanent (D) 26,246 22,976 88% 3,270 12% 2. Other than Permanent (E) 216 150 69% 66 31% 3. Total employees (D + E) 26,462 23,126 87% 3,336 13% WORKERS 4. Permanent (F) 0 0 0 0 0 5. Other than Permanent (G) 0 0 0 0 0 0 0 0 0 0 6. Total employees (F + G) 0 0 0 0 0 b. Differently abled Employees and workers: Total Male Female No Particulars (A) No. (B) % (B / A) No. (C) % (C / A) DIFFERENTLY ABLED EMPLOYEES 1. Permanent (D) 0 0 0.0% 0 0.0% 2. Other than Permanent (E) 0 0 0.0% 0 0.0% 3. Total differently abled employees (D + E) 0 0 0.0% 0 0.0% DIFFERENTLY ABLED WORKERS 4. Permanent (F) NA NA NA NA NA 5. Other than permanent (G) NA NA NA NA NA 6. Total differently abled workers (F + G) NA NA NA NA NA 6. Participation/Inclusion/Representation of women No. and percentage of Females Total (A) No. (B) % (B / A) Board of Directors 10 2 17% Key Management Personnel 3 1 33.33% 7. Turnover rate for permanent employees and workers (Disclose trends for the past 3 years) FY 2025-26 FY 2024-25 FY 2023-24 (Turnover rate in current FY) (Turnover rate in previous (Turnover rate in the year prior FY) to the previous FY) Male Female Total Male Female Total Male Female Total Permanent 32.2% 4.6% 36.8% 33.6% 5.1% 38.6% 32% 5% 37% Employees Permanent 0 0 0 0 0 0 0 0 0 Workers Annual Report 2025-26 113 Annual Report 2025-26 IV. Holding, Subsidiary and Associate Companies (including joint ventures) 8. (a) Names of holding / subsidiary / associate companies / joint ventures Name of the holding / Indicate whether Does the entity indicated at column subsidiary / holding/ Subsidiary/ % of shares A, participate in the Business Sr. associate companies Associate/ Joint held by listed Responsibility initiatives of the No. / joint ventures (A) Venture entity listed entity? (Yes/No) CSR Details 9. (i) Whether CSR is applicable as per section 135 of Companies Act, 2013: (Yes) (ii) Turnover (in Rs.) – 17,26,98,37,000 (iii) Net worth (in Rs.) – 42,20,76,19,000 Transparency and Disclosures Compliances 10. Complaints/Grievances on any of the principles (Principles 1 to 9) under the National Guidelines on Responsible Business Conduct: Stakeholder group from whom Grievance Redressal complaint is Mechanism in received Place (Yes/No) FY 2025-26 Current Financial Year FY 2024-25 Previous Financial Year Number of Number of complaints complaints (If Yes, then provide Number of pending Number of pending web-link for complaints resolution at complaints resolution at grievance redress filed during close of the filed during close of the policy) the year year Remarks the year year Remarks Communities - - - - - - - Investors (other - - - - - - - than shareholders) Shareholders - - 19 Employees and 72 3 10 workers Yes, https://www. jana.bank.in/images/ Customers 4,580 395 3,976 262 policies/customer- grievance.pdf Value Chain Part- - - - - - - ners Other (please - - - - - - specify) 11. Overview of the entity’s material responsible business conduct issues. Please indicate material responsible business conduct and sustainability issues pertaining to environmental and social matters that present a risk or an opportunity to your business, rationale for identifying the same, approach to adapt or mitigate the risk along-with its financial implications, as per the following format Financial implications Indicate of the risk or whether opportunity risk or (Indicate positive S. Material issue opportunity Rationale for identifying In case of risk, approach or negative No. identified (R/O) the risk / opportunity to adapt or mitigate implications) Banks’ vision is to promote financial inclusion and Financial Inclusion inclusive banking to 1 and inclusive Opportunity Positive unserved and underserved Banking segment in semi urban and rural areas Credit Bureau and Scorecard driven Financial Inclusion Unsecured lending to MFI acquisit [Showing first 8,000 characters — download PDF for full document]