Outcome of Board Meeting

JSFB/SEC/2026-27/58 15th July, 2026 BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai 400001, Bandra (East), Mumbai 400051, Maharashtra Maharashtra. BSE Scrip Codes: 544118, 953148, 977229 NSE Symbol: JSFB Dear Sir/ Madam, Subject: Outcome of the Board Meeting Ref: Regulations 30, 33, 51 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our letter dated 1st July, 2026, the Board of Directors of the Bank met today i.e., 15th July 2026 and inter-alia approved the Un-audited financial results of the Bank for the quarter ended 30th June 2026. The Board Meeting commenced at 12:00 noon. and concluded at 03.30 p.m. Copies of the audited financial results along with limited review report is enclosed. You are requested to kindly take the same on your record and oblige. Thanking you Yours faithfully, For Jana Small Finance Bank Limited Lakshmi R. N Company Secretary and 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@janabank.com D omlur, Koramangla Inner Ring Road, Next to Embassy Golf W www.janabank.com Links, Challaghatta, Bengaluru -560071. CIN No. L65923KA2006PLC040028 In accordance with the requirement of regulation 52(4), we hereby submit the following information for the quarter ended 30th June 2026: As per SL No Regulation Descriptions 30.06.2026 52(4) 1 a Debt-Equity Ratio 0.99 2 b Debt service coverage ratio NA 3 c Interest service coverage ratio NA 4 d Outstanding redeemable preference The Bank has not issued any Redeemable shares (quantity and value) Preference Shares. 5 e Capital redemption i. ₹ 0.01 crores (less than ₹.1 lakh) reserve/debenture redemption ii. As per Section 71(4) of the Companies Act, reserve; 2013 read with Rule 18(7) of the Companies (Share Capital and Debentures), Rules, 2014 requirement of creating Debenture Redemption Reserve is not applicable to the Banking Company. 6 f Net worth ₹ 4,463.49 crores 7 g Net profit after tax; ₹ 155.23 crores 8 h Earnings per share: Basic ₹ 14.74 Diluted ₹ 14.69 9 i Current ratio NA 10 j Long term debt to working capital NA 11 k Bad debts to Account receivable ratio 12 l Current liability ratio NA 13 m Total debts to Total assets 9.95% 14 n Debtors turnover NA 15 o Inventory turnover; NA 16 p Operating margin (%); 19.13% 17 q Net profit margin (%); 8.91% 18 Sector specific equivalent ratios, [as applicable.] Capital Adequacy Ratio (%) (as per 20.18% Basel-II) NPA Ratios a) Gross NPA 2.39% b) Net NPA 0.91% Return on Assets (Annualized) 1.35% Pursuant to Regulation 32(2), the proceeds from the issue have been fully utilized for the purposes for which they were raised. Accordingly, reporting under this regulation is not applicable. Pursuant to Regulation 52(6), non-convertible redeemable preference shares are not applicable, as Bank has not issued any non-convertible Redeemable Preference Shares. Pursuant to Regulation 52(7) and 52(7A), the proceeds of non-convertible securities were utilised for the purpose for which these proceeds were raised and there were no material deviations in the use of proceeds of issue of non-convertible debt securities from the objects stated in the offer document. The disclosure under Regulation 54 (2) and (3) are not applicable, as Bank has not issued any Secured Non- convertible Debt Securities. S.R. Batliboi & Associates LLP Batliboi & Purohit Chartered Accountants Chartered Accountants 12th Floor, The Ruby 2ndFloor,National Insurance Building 29 Senapati Bapat Marg 204,D N Road Dadar (West) Fort Mumbai-400 028, India Mumbai-400 001, India Tel: +91 22 6819 8000 Tel: +91 2222077942 Independent Joint Auditor’s Review Report on the Quarterly Unaudited Financial Results of Jana Small Finance Bank Limited Pursuant to the Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended Review Report to The Board of Directors Jana Small Finance Bank Limited 1. We have reviewed the accompanying statement of unaudited financial results of Jana Small Finance Bank Limited (the “Bank”) for the quarter ended June 30, 2026 (the “Statement”) attached herewith, being submitted by the Bank pursuant to the requirements of Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (the “Listing Regulations”), except for the disclosures relating to Pillar 3 as at June 30, 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel II Capital Regulations which would be disclosed on the Bank’s website and in respect of which a link has been provided in Note 7 to the Statement and have not been reviewed by us. 2. The Bank’s Management is responsible for the preparation of the Statement in accordance with the recognition and measurement principles laid down in Accounting Standard 25 –Interim Financial Reporting (‘AS 25’) prescribed under Section 133 of the Companies Act, 2013 as amended, read with relevant rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (‘RBI’) from time to time (the ‘RBI Guidelines’) and other accounting principles generally accepted in India and in compliance with Regulation 33 and 52 of the Listing Regulations. The Statement has been approved by the Bank’s Board of Directors. Our responsibility is to express a conclusion on the Statement based on our review. 3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410, “Review of Interim Financial Information Performed by the Independent Auditor of the Entity” issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. 4. Based on our review conducted as above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid Accounting Standard specified under Section 133 of the Companies Act, 2013 as amended, read with relevant rules issued thereunder, the RBI Guidelines and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Listing Regulations, including the manner in which it is to be disclosed, or that it contains any material misstatement S.R. Batliboi & Associates LLP Batliboi & Purohit Chartered Accountants Chartered Accountants or that it has not been prepared in accordance with the relevant prudential norms issued by RBI in respect of income recognition, asset classification, provisioning and other related matters. ForS.R. Batliboi & Associates LLP For Batliboi & Purohit Chartered Accountants Chartered Accountants ICAI Firm Registration Number: 101049W/E300004 ICAI Firm Registration Number: 101048W Sarvesh Digitally signed by Sarvesh Vishwesh Warty Vishwesh DN: cn=Sarvesh Vishwesh Warty, c=IN, o=Personal Warty Date: 2026.07.15 14:31:47 +05'30' per Sarvesh Warty per Janak Mehta Partner Partner Membership Number: 121411 Membership Number: 116976 UDIN: 26121411BERPWF4081 UDIN: 26116976OQMQME7877 Plac [Showing first 8,000 characters — download PDF for full document]