Financial Results for the quarter and half year ended September 30, 2026

USFB/CS/SE/2026-27/100 Date: October 16, 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: Outcome of the meeting of the Board of Directors held on October 16, 2026– Approval of Financial Results Pursuant to Regulation 30 and 33 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and further to our letter bearing reference number USFB/CS/SE/2026- 27/93 dated October 07, 2026, we hereby inform that, further to the review by the Audit Committee, the Board of Directors of the Bank, in its meeting held today on October 16, 2026, has, inter alia, considered and approved the Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026 along with the Limited Review Report thereon issued by the Joint Statutory Auditors of the Bank, M/s. Deloitte Haskins and Sells and M/s. Abarna and Ananthan. A copy of aforesaid Unaudited Financial Results and Limited Review Report thereon are enclosed herewith. The press release and the investor presentation on financial and business performance of the Bank will be submitted through a separate announcement. The meeting of the Board of Directors commenced at 11:00 A.M. and the agenda item relating to the financial results was approved at 01:35 P.M. 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 Deloitte Haskins & Sells Abarna & Ananthan 19th Floor, Shapath-V Chartered Accountants S.G. Highway 521, 3rd Main Rd, 2nd Phase, Ahmedabad 380 015 6th Block, Banashankari 3rd Stage, Gujarat, India Bengaluru, Tel: +91 79 6682 7300 Karnataka 560085 Fax: +91 79 6682 7400 and half year ended September 30, 2026 of Ujjivan Small Finance Bank Limited pursuant to Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. To The Board of Directors of Ujjivan Small Finance Bank Limited 1. We have reviewed the accompanying Statement of unaudited financial results of Ujjivan Small Finance Bank Limited and half year ended September 30, 2026 requirement of Regulation 33 of the Securities and Exchange Board of India (Listing . We have initialled the Statement for identification purposes only. the Board of Directors, has been prepared in accordance with the recognition and relevant rules issued thereunder, in so far as they apply to Banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the principles generally accepted in India, and in compliance with Regulation 33 of the Listing Regulations. 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 India. A review of interim financial information consists of making inquiries, primarily of analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under section 143(10) of the Companies Act, 2013 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 stated in paragraph 3 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 AS 25 prescribed under Section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, in so far as they apply to Banks, the RBI Guidelines and other accounting Deloitte Haskins & Sells Abarna & Ananthan 19th Floor, Shapath-V Chartered Accountants S.G. Highway 521, 3rd Main Rd, 2nd Phase, Ahmedabad 380 015 6th Block, Banashankari 3rd Stage, Gujarat, India Bengaluru, Tel: +91 79 6682 7300 Karnataka 560085 Fax: +91 79 6682 7400 principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 of the Listing Regulations, including the manner in which it is to be disclosed or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the Reserve and other related matters. For Deloitte Haskins & Sells For Abarna & Ananthan Chartered Accountants Chartered Accountants (Firm Registration No. 117365W) (Firm Registration No. 000003S) G. K. Subramaniam R. Natarajan Partner Partner Membership No. 109839 Membership No. 035898 UDIN: 26109839HLEXAS9360 UDIN: 26035898UCFQPW4937 Place: Mumbai Place: Bengaluru Date: October 16, 2026 Date: October 16, 2026 UJJIVAN SMALL FINANCE BANK LIMITED CIN:165110KA2016PLC142162 Registered and Corporate Office: Grape Garden, No. 27, 3rd "A" Cross, 18th Main, 6th Block, Koramangala, Bengaluru - 560095, Karnataka Website: www.tdlivansfb.in Phone: +91 80 4071 2121 Statement of Unaudited Financial Results for the quarter and half year ended September 30, 2026 (Rs. In Lakh) Quarter ended Half year ended Year ended No. Particulars September 30, June 30, September 30, September 30, September 30, March 31, 2026 2026 2025 2026 2025 2026 (Unaudited) (Unaudded) (Unaudited) (Unaudded) (Unaudited) (Audited) 1 Interest earned (a)+(b)+(c)+(d) 2,15,336 2,02,492 1,68,231 4,17,828 3,30,115 6,93,145 a) Interest{ discount on advances{ bills 1,91,488 1,79,211 1,47,270 3,70,699 2,87,154 6,07,747 b) Income on Investments 22,393 22,217 20,301 44,610 41,487 83,033 c) Interest on balances with Reserve Bank of India and other Interbank funds 1,299 890 457 2,189 1,056 1,600 d) Others 156 174 203 330 418 765 2 Other income (Refer note 7) 29,558 25,601 25,635 55,159 50,534 1,10,752 3 Total income (1)+(2) 2,44,894 2,28,093 1,93,866 4,72,987 3,80,649 8,03,897 4 Interest expended 90,495 83,757 76,063 1,74,252 1,52,352 3,06,045 5 Operating expenses (i)+(ii) 95,030 89,530 78,279 1,84,560 1,52,725 3,26,839 (i) Employees cost 51,228 50,356 43,546 1,01,584 84,721 1,79,097 (II) Other operating expenses 43,802 39,174 34,733 82,976 68,004 1,47,742 6 Total expenditure (4)+(5) 1,85,525 1,73,287 1,54,342 3,58,812 3,05,077 6,32,884 [excluding provisions and contingencies] 7 Operating profit before provisions and contingencies (3)-(6) 59,369 54,806 39,524 1,14,175 75,572 1,71,013 8 Provisions (other than tax) and contingencies (Refer note 9) 10,297 12,732 23,496 23,029 45,990 79,910 9 Exceptional items • - - • - • 10 Profit from ordinary activities before tax (7)-(8)-(9) 49,072 42,074 16,028 91,146 29,582 91,103 11 Tax expense 12,567 10,420 3,856 22,987 7,088 21,840 12 Net profit from ordinary activities after tax (10)-(11) 36,505 31,654 12,172 68,159 22,494 69,263 13 Extraordinary items (net of tax expense) - . . - - - 14 Net profit for the period/ year (12)-(13) 36,505 31,654 12,172 68,159 22,494 69,263 15 Paid up equity share capital (Face value of Rs. 10/- each) 1,95,106 1,94,526 1,93,715 1,95,106 1,93,715 1,94,271 16 Reserves excluding revaluation reserves 4,87,296 17 Analytical ratios and other disclosure (I) Percentage of shares held by Government of India NIL NIL NIL NIL NIL NIL (II) Capital Adequacy Ratio (Refer note 8) 20.69% 20.36% 21.36% 20.69% 21.36% 21.14% (Iii) Earnings per share (before and after extraordinary items, net of tax expenses) (Face value of Rs. 10/- each) 2 Basic EP5 (Rs) 1,87 1.63 0.63 3.50 1.16 3.57 Diluted EPS (Rs) 1.8.4 1.60 0.62 3.44 1.15 3.51 (iv) NPA Ratios (a) Gross NPAs 95,510 9 [Showing first 8,000 characters — download PDF for full document]