Shareholders meeting

USFB/CS/SE/2026-27/39 Date: June 30, 2026 National Stock Exchange of India Limited BSELimited Listing Department Listing Compliance Exchange Plaza, C-1, Block G, Bandra Kurla Complex, P.J. Tower, Bandra (E) Dalal Street, Fort, Mumbai – 400 051 Mumbai – 400 001 Symbol:UJJIVANSFB Scrip Code:542904 Dear Sir/Madam, Sub: Notice of 10th Annual General Meeting of Ujjivan Small Finance Bank Limited (“Bank”) This is to inform that the 10th Annual General Meeting (“AGM”) of Bank will be held on Friday, July 24, 2026, at 03:30 P.M. IST through Video Conferencing/Other Audio-Visual Means in compliance with the provisions of the Companies Act, 2013 and rules made thereunder read with relevant Circulars issued by Ministry of Corporate Affairs and SEBI. We hereby submit the Notice of 10th AGM of the Bank and the Integrated Annual Report of the Bank, for the FY25-26. Further, the said AGM notice and the Annual Report are being sent / dispatched today, June 30, 2026 through electronic mode to all the members whose e-mail address is registered with the Bank / Registrar and Transfer Agent / Depository Participants / Depositories. We hereby inform that Friday, July 17, 2026, will be the cut-off date for purpose of determining the members eligible to vote on the resolutions set out in the Notice of the AGM. Further, in accordance with Regulation 36(1)(b) of SEBI Listing Regulations, the Bank will send a separate communication to shareholders whose e-mail addresses are not registered with the Bank/DPs, providing a web link to access the Integrated Annual Report on the Bank’s website at www.ujjivansfb.bank.in/annual-report. A copy of the aforesaid notice and this intimation shall be available on the website of the Bank at www.ujjivansfb.bank.in. We request you to take note of the above. Thanking You, Yours faithfully, For UJJIVAN SMALL FINANCE BANK LIMITED Sanjeev Barnwal Company Secretary and Head of Regulatory Framework Encl: as stated above Cc: NSDL / CDSL Bank for the Aspiring Indians Where Every Aspiration Finds Its Heart. Annual Report 2025-26 Bank for the Aspiring Indians Where Every Aspiration Finds Its Heart. India’s growth is fundamentally driven by the economic ambitions of its people. Across the nation, a profound shift is being noticed— families securing their futures through systematic savings and robust protection, entrepreneurs expanding their enterprises and farmers accessing productive capital to enhance yields. Today, priorities like home ownership, asset creation, education, and long-term planning are vital goals for a rapidly rising aspirational population. These evolving dynamics demand more than basic credit access; they require comprehensive banking solutions that support every stage of financial progression. Ujjivan SFB is engineered precisely to address these shifting dynamics. The Bank serves customers across a full spectrum of savings, credit, investments, protection, and transaction banking. The product offerings spans across micro-banking, housing, MSME, agriculture, gold loan, vehicle finance, retail liabilities, Trust, Association, Society and Club (TASC) and Retail Institution and Government Banking (RIGB). It’s distribution model seamlessly integrates physical, assisted, and digital channels, ensuring customers engage precisely at their level of financial familiarity. As modern India’s aspirations scale, Ujjivan SFB expands alongside them - ensuring every dream finds its home, and every aspiration finds its heart. Contents Company Overview 2 Annexure 1 188 Annexure 2 189 From the Chairman’s Desk 2 Annexure 3 190 From the Managing Director & CEO’s Desk 6 Business Responsibility and Sustainability 191 Welcome to Ujjivan Small Finance Bank 10 Report (BRSR) Geographical Presence 11 Our Journey 12 Financial Statements 237 Business Model 14 Our Differentiators 16 Independent Auditors’ Report 237 Awards and Accolades 18 Annexure A 242 Business Highlights 20 Balance Sheet 244 Digital Future 22 Profit and Loss Statement 245 Cash Flow Statement 246 Serving the Financial Needs of Aspiring India 32 Schedules Forming Part of the Balance Sheet 247 Significant Accounting Policies Forming Part of 253 Micro Banking 34 the Financial Statements Agriculture Banking 36 Notes to Financial Statements 264 MSME 38 Housing and Micro-mortgages 40 Shareholders’ Information 320 Vehicle Finance 42 Gold Loan 44 AGM Notice 320 Financial Institutions & Government Banking Group 46 (FIGB) Retail Liabilities (Branch Banking & TASC) 48 Treasury 50 Third-Party Products 52 Turning Aspirations into Outcomes 54 Marketing 56 Website IT 58 www.ujjivansfb.bank.in Sustaining Aspirations Responsibly 60 Sustainability 62 Service Quality 66 Human Resources 72 Corporate Social Responsibility 78 To view the report online, Strengthening Trust for Aspirations to Thrive 84 kindly scan the QR code or log on to Risk Management 86 www.ujjivansfb.bank.in/annual-report Ujjivan in News 92 Board of Directors 94 Leadership Team 98 Disclaimer This Annual Report has been prepared in accordance with Applicable Statutory Reports 109 Laws, including applicable Securities and Exchange Board of India (SEBI) and Reserve Bank of India (RBI) regulations and may contain Management Discussion and Analysis 109 certain forward-looking statements which reflect Bank’s current views Directors’ Report 119 and expectations based on available information. These are subject to risks, uncertainties and assumptions, and actual outcomes may differ Annexure 1 137 significantly from those anticipated. The Bank does not undertake any Annexure 2 138 obligation to revise or update any such forward looking statements, whether as a result of new information, future events or otherwise. Annexure 3 140 The Annual Report is intended for general informational purposes Annexure 4 152 only and should not be construed as financial, investment, legal or other professional advice and readers are advised to refer to official Annexure 5 156 regulatory filings and consult professional advisors before making Annexure 6 160 any decisions. Copyright in all materials, text, articles and information contained in this document (other than third party materials, Corporate Governance Report 161 text, articles and information) is the property of and may only be reproduced with permission of the Bank. All rights reserved. Bank for the Aspiring Indians From the Perspective on a Changing Chairman’s Desk Banking Landscape India’s banking sector continued to play an important role in supporting economic growth, expanding financial access and deepening inclusion across customer segments. During FY 2025- 26, the industry benefited from healthy credit demand, improving liquidity conditions and accelerating digital adoption, while maintaining a strong focus on risk management and deposit mobilisation. Dear Shareholders, by a cumulative 125 basis points during FY 2025-26, from 6.50% to 5.25%, the steepest easing cycle in recent years. Ujjivan was founded with a clear and enduring purpose: to Lower interest rates and improved household cash flows make financial services accessible, responsible and relevant had a direct bearing on our business. Repayment capacity for those who have traditionally remained underserved. FY improved, and demand strengthened across micro-banking 2025–26 was a year of steady progress, one that required and affordable housing, our two largest segments. resilience and disciplined decision-making as we continued to strengthen our foundations and advance our mission of India’s banking sector continued to play an important role financial inclusion. in supporting economic growth, expanding financial access and deepening inclusion across customer segments. During Operating Environment FY 2025-26, the industry benefited from healthy credit demand, improving liquidity conditions and accelerating The global environment remained uncertain through FY digital adoption, while maintaining a strong focus on risk 2025-26, shaped by geopolitical [Showing first 8,000 characters — download PDF for full document]