Investor Presentation on the Financial Performance of the Bank for the quarter ended June 30, 2026

USFB/CS/SE/2026-27/56 Date: July 23, 2026 National Stock Exchange of India Limited BSE Limited Listing Department, Listing Compliance, Exchange Plaza, C -1, Block G, Bandra Kurla P.J. Tower, Complex, Bandra (E), Dalal Street, Fort, Mumbai-400 051 Mumbai-400 001 Symbol: UJJIVANSFB Scrip Code: 542904 Dear Sir/Madam, Sub: Investor Presentation on the financial performance of the Bank for the quarter ended June 30, 2026 Further to our intimation carrying reference number USFB/CS/SE/2026-27/55 dated July 23, 2026, please find enclosed herewith, a copy of the investor presentation on the business and financial performance of the Bank for the quarter ended June 30, 2026. This intimation shall also be available on the Bank’s website 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 & Head of Regulatory Framework Encl: As mentioned above Q1FY27 Investor Presentation Disclaimer • This presentation has been prepared by Ujjivan Small Finance Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person.All information contained has been prepared solely by the Bank. • No information contained herein has been independently verified by anyone else. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner. • This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the United States. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. • No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. • This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward- looking statements to reflect future events or developments. • Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. • This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. • Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. • Note:All financial numbers in the presentation are fromAudited Financials or Limited Reviewed financials or based on Management estimates. Key Highlights • Resilient Q1 performance leads to revised FY27 RoA guidance to 1.8% to 2.0% • Consistent income supported by disciplined opex and stable credit costs Major Highlights • Secured share reached 50.4% with secured Gross Loan Book growing 7.8% sequentially • Liquidity: Calibrated optimization while remaining well above regulatory threshold Avg. LCR for Q1 FY27 around 132% • Total Deposits grew 24.6% YoY to ₹48,129 Cr; Highest yearly growth in last 10 quarters • CASA Deposits grew 37.8% YoY to ₹12,930 Cr Business Update • Launched new retail offerings: Mutual Fund distribution and Co-Branded Credit Cards • Gross Loan Book at ₹42,903 Cr grew sequentially 5.5%, on track for full year guidance • Gold Loan and Vehicle Finance crossed major milestone of ₹1,000 Cr GLB • Record earnings with Net Interest Income at ₹1,186 Cr and Other Income at ₹257 Cr • NIM sequentially stable at 8.5% • Credit Cost at 0.9% of ATA Financials • Slippage Ratio (on Avg. GLB) for Q1FY27 at 1.6% vs Q1FY26 at 4.3% and Q4FY26 at 1.8% • Highest PPoP at ₹548 Cr, up 6.5% sequencially • PAT at ₹317 Cr with RoA at 2.2% and RoE 18.2% Key Business Highlights Q1FY27 ₹ 48,129 Cr ₹ 42,903# Cr Gross Total Up 29% YoY Loan Book Deposits Up 25% YoY Jun’25: ₹38,619 Cr Jun’25: ₹33,287 Cr ₹ 32,716 Cr ₹ 21,638 Cr Secured Retail TD+ Up 43% YoY Loan Book CASA Up 17% YoY Jun’25: ₹15,162 Cr Jun’25: ₹27,884 Cr (1 EMI+OD) (MB X Bucket CE%) 2.2% / 0.3% GNPA / 98.4% 99.68% Coll. Eff. NNPA Down 36 bps YoY / Down 37 bps YoY Up 163 bps YoY Up 42 bps YoY Jun’25: 2.5% / 0.7% Jun’25: 96.7% Q1FY26: 99.3% #GrossLoanBook(GLB)includesSecuritization₹134Cr/₹143Cr/₹178CrforJun’26/Mar’26/Jun’25 44 Key Financial Highlights Q1FY27 Q1FY27 Q1FY26 YoY Growth Q4FY26 QoQ Growth NII ₹1,186 Cr ₹856 Cr 38.6% ₹1,092 Cr 8.6% NIM 8.5% 7.7% 80 bps 8.5% (1) bps PPoP ₹548 Cr ₹360 Cr 52.0% ₹515 Cr 6.5% PAT ₹317 Cr ₹103 Cr 206.7% ₹282 Cr 12.3% % ROA 2.2% 0.8% 131 bps 2.1% 7 bps ROE 18.2% 6.7% 1,145 bps 17.2% 103 bps Well Diversified Pan India Presence Jun’26 Gross Loan Book$ (%) – Top 10 States Branches States with branch network Micro Banking# Non Micro Banking • 26 States and UTs Karnataka 5.8% 6.8% 12.6% • 347 Districts Tamil Nadu 6.0% 6.6% 12.6% 2 2 • 814 Branches (206 URCs) West Bengal 7.2% 4.1% 11.3% Maharashtra 3.8% 6.0% 9.8% 19 Gujarat 3.2% 5.3% 8.5% 7 Uttar Pradesh 4.6% 2.7% 7.3% 39 15 New Delhi 1.0% 5.3% 6.3% Bihar 4.9% 1.4% 6.3% 40 71 17 Haryana 3.8% 1.0% 4.8% 73 1 Rajasthan 2.7% 1.9% 4.5% Others 8.7% 7.2% 15.9% 59 22 101 Note: Individual Loan, MSME and Others^ include both secured and unsecured products # Includes Microfinance GL & Non Microfinance GL and IL $GrossLoanBook(GLB)includesSecuritization₹134Cr/₹143Cr/₹178CrforJun’26/Mar’26/Jun’25 Total Business* Region-wise Deposit Region-wise Banking Infrastructure 35% ATMs# 613 613 613 612 605 1 27% 26% 20 103 Branches 752 766 777 776 20% 22% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 South North East West South North East West #Including 62 ACRs Note:-Map not to scale Bank additionally has Partnership led Electronic Collection Retail Points where Micro Banking customers *Total Business consists of Gross Loan Bo [Showing first 8,000 characters — download PDF for full document]