General Updates

JSFB/SEC/2026-27/65 July 17, 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: Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. No Impact on P&L for FY 26-27. Dear Sir/Madam, We refer to SEBI master circular vide ref no. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 issued on July 11, 2023 updated on January 30, 2026. We provide the details of Divergence in Asset Classification and Provisioning for NPAs as per the Risk Assessment Report (RAR) of the RBI for year 2024-25. You are requested to kindly take note of the same pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015. Thanking 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 The Fairway Business Park, # 10/1, 11/2 & 12/2B, Telephone : 080-46020100 E-mail : customercare@janabank.com Off Domlur, Koramangla Inner Ring Road, Next to 080-37620100 Website : www.janabank.com Embassy Golf Links, Challaghatta, Bengaluru -560071. Toll-free No. : 1800 2080 CIN: L65923KA2006PLC040028 Divergence in Asset Classification and Provisioning of NPAs Sr. Particulars (Amount in Rs. crore) 1 Gross NPAs as on March 31, 2025* as reported by the bank 750 2 Gross NPAs as on March 31, 2025 as assessed by Reserve Bank of India 919 3 Divergence in Gross NPAs (2-1) 169 4 Net NPAs as on March 31, 2025 as reported by the bank 254 5 Net NPAs as on March 31, 2025 as assessed by Reserve Bank of India 423 6 Divergence in Net NPAs (5-4) 169 7 Provisions for NPAs as on March 31, 2025 as reported by the bank 495 8 Provisions for NPAs as on March 31, 2025 as assessed by Reserve Bank of 537 India 9 Divergence in provisioning (8-7) 42 10 Reported Profit before Provisions and Contingencies for the year ended 1,226 March 31, 2025 11 Reported Net Profit after Tax (PAT) for the year ended March 31, 2025 501 12 Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 459 2025 after considering the divergence in provisioning * March 31, 2025 is the close of the reference period in respect of which divergences were assessed Notes from Management: Adjusted (notional) Net Profit at Sr. No.12 has been arrived after considering divergence in provisions of Rs. 42 crores that would have been required for the GNPA assessed in point 2 as on March 31, 2025. Nil Impact on the P&L for FY 26-27: The divergence has been already provided for in FY 25-26. JAMA KARO, JANA KARO. Registered Office: Jana Small Finance Bank Limited The Fairway Business Park, # 10/1, 11/2 & 12/2B, Telephone : 080-46020100 E-mail : customercare@janabank.com Off Domlur, Koramangla Inner Ring Road, Next to 080-37620100 Website : www.janabank.com Embassy Golf Links, Challaghatta, Bengaluru -560071. Toll-free No. : 1800 2080 CIN: L65923KA2006PLC040028