Business Updates for the quarter and half year ended September 30, 2026

October 06, 2026 The BSE Limited National Stock Exchange of India Limited Scrip Code: 543942, 975790, 959644, 976203, Symbol: UTKARSHBNK 978213 Dear Sir/ Madam, Sub: Disclosure under Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulation”) – Business Updates for the quarter and half year ended September 30, 2026 Pursuant to SEBI Listing Regulations and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information framed in terms of Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015, please find below updates for the quarter and half year ended September 30, 2026: Change Change Particulars Q2 FY27 Q2 FY26 Q1 FY27 YoY QoQ (In ₹ Crore (Limited (Limited (Provisional) % % unless specified otherwise) Review) Review) Disbursements Total Disbursements* 3,525 2,275 54.9% 3,370 4.6% JLG Disbursements* 923 935 (1.3)% 1,190 (22.4)% Non-JLG Disbursements* 2,602 1,340 94.2% 2,180 19.4% Portfolio Gross Loan Portfolio** 20,063 18,655 7.5% 19,610 2.3% JLG Loan Portfolio** 5,146 7,613 (32.4) % 5,480 (6.1)% Non-JLG Loan Portfolio 14,917 11,041 35.1% 14,130 5.6% Portfolio Mix JLG: Non-JLG 26 : 74 41 : 59 28 : 72 MB: Non-MB 37 : 63 44 : 56 37 : 63 Secured: Unsecured 52 : 48 47 : 53 51 : 49 Deposits Total Deposits# 23,869 22,385 6.6% 23,107 3.3% CASA Deposits 5,121 4,482 14.3% 4,867 5.2% Retail Term Deposits# 14,442 12,922 11.8% 14,261 1.3% Bulk Term Deposits# 4,307 4,980 (13.5)% 3,979 8.2% Key Deposits Ratio CASA Ratio (%) 21.5% 20.0% 21.1% CASA + Retail Term 82.0% 77.8% 82.8% Deposits Ratio (%) *All eligible Micro-Banking disbursements w.e.f. January 17, 2025 are covered under the CGFMU Scheme. **Including IBPC issued by the Bank #Including interest accrued and due Particulars Q2 FY27 Q2 FY26 Q1 FY27 X Bucket Collection Efficiency % 99.53% 98.62% 99.63% SMA Pool % 1.48% 4.87% 1.20% Liquidity Coverage Ratio (LCR) stood at 176% as on September 30, 2026. Please note that the information with reference to Q2 FY27 is provisional and subject to review by the Joint Statutory Auditors of the Bank and approval of the Audit Committee and Board of Directors. This disclosure is also available on the Bank’s website i.e. www.utkarsh.bank.in. This is for your information and records. Thanking You, Yours faithfully, For Utkarsh Small Finance Bank Limited Muthiah Ganapathy Company Secretary & Compliance Officer