Credit Rating

July 14, 202 6 BSE Limited National Stock Exchange of India Limited Scrip Code: 543942, 975790, 959644, Symbol: UTKARSHBNK 976203 Dear Sir/Madam, Sub: Intimation of Credit Rating under Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Pursuant to Regulation 30, 51, 55 and other applicable regulations read with Schedule III of SEBI Listing Regulations, please find below the details of credit rating assigned by the rating agency i.e. Care Ratings Limited (“ CARE ”): Rated Rated Amount Rating Action Rationale Instrument (Rs. in crore) Subordinated 200 CARE A -; Stable The rating revision factors debt Downgraded from in the weakening of the CARE A; Negative bank’s profitability profile and asset quality stress, based on the financial performance as on March 31, 2026. The detailed rationale provided by the CARE can be accessed at the below link: www.careratings.com . The disclosure will also be available on the Bank’s website at www.utkarsh.bank.in . This is for your information and records. Yours faithfully, For Utkarsh Small Finance Bank Limited Muthiah Ganapathy Company Secretary & Compliance Officer