Investor presentation on the performance of the Bank for the quarter and half-year ended September 30, 2026

USFB/CS/SE/2026-27/101 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: Investor Presentation on the financial performance of the Bank for the quarter and half-year ended September 30, 2026 Further to our intimation carrying reference number USFB/CS/SE/2026-27/100 dated October 16, 2026, please find enclosed herewith, a copy of the investor presentation on the business and financial performance of the Bank for the quarter and half-year ended September 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 Q2FY27 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. Ujjivan Brand Campaign – Launched Sep’26 Brand Ambassador: Padma Shri R. Madhavan Brand Ambassador: Padma Shri R. Madhavan A campaign that challenges perceptions of ‘Small’ and reflects the scale and ambition of Ujjivan Small Finance Bank Our campaigns are currently reaching audiences across multiple channels TV Social Media Print CTV OTT Outdoor BTL Key Highlights • Mr. Nautiyal decided to take an early retirement due to health reasons, NRC is actively engaged to ensure timely submission of MD candidate to the regulator • Preferential allotment amounting to ₹409 Cr, approved by Board, subject to shareholders approval Major Highlights • Holding the RWA constant at Sep’26, the proposed capital raise would increase CRAR by ~1.2% from 20.69% on a proforma basis • Added 100 plus branches in H1FY27 taking total presence to 880 branches • Bank continued to optimize operations and delivered highest quarterly PAT of ₹ 365 Cr • Deposits crossing ₹50,000 Cr for first time, growing 29.2% YoY reaching ₹50,643 Cr • Well calibrated Deposits growth maintaining CoF at 6.9% levels with CASA ratio at 26.0% Business Update • Introduced ASBA facility for customers • Capacity additions leading to Highest Quarterly disbursement at ₹10,495 Cr • Advances growth at 32.1% with secured share increasing to 52% • Robust quarterly performance showcasing all round financial discipline • NII at ₹1,244, up 35% YoY • Credit Cost 0.7% of ATA Financials • PPoP at ₹594 Cr. Up 50% • RoA at 2.4% and RoE at 19.7% • Capital optimization and robust profitability leading to CRAR increase by 33 bps to 20.69% Key Business Highlights Q2FY27 ₹ 50,643 Cr ₹ 45,699# Cr Gross Total Up 32% YoY Loan Book Deposits Up 29% YoY Sep’25: ₹39,211 Cr Sep’25: ₹34,588 Cr ₹ 33,807 Cr ₹ 23,803 Cr Secured Retail TD+ Up 47% YoY Loan Book CASA Up 22% YoY Sep’25: ₹16,173 Cr Sep’25: ₹27,764 Cr (1 EMI+OD) (MB X Bucket %) 2.1% / 0.3% GNPA / 98.7% 99.7% Coll. Eff. NNPA Down 35 bps YoY / Down 36 bps YoY Up 64 bps YoY Up 23 bps YoY Sep’25: 2.5% / 0.7% Sep’25: 98.0% Q2FY26: 99.5% #GrossLoanBook(GLB)includesSecuritization₹130Cr/₹134Cr/₹174CrforSep’26/Jun’26/Sep’25 55 Key Financial Highlights Q2FY27 Q2 YoY QoQ H1 YoY Q2FY27 Q2FY26 Q1FY27 H1FY27 H1FY26 Growth Growth Growth NII ₹ 1,244 ₹ 922 35% ₹ 1,186 5% ₹ 2,431 ₹ 1,778 37% NIM 8.4% 7.9% 55 bps 8.5% (6) bps 8.5% 7.8% 68 bps PPoP ₹ 594 ₹ 395 50% ₹ 548 8% ₹ 1,142 ₹ 756 51% PAT ₹ 365 ₹ 122 200% ₹ 317 15% ₹ 682 ₹ 225 203% % ROA 2.4% 1.0% 138 bps 2.2% 20 bps 2.3% 0.9% 134 bps ROE 19.7% 7.7% 1,200 bps 18.2% 152 bps 19.0% 7.2% 1,174 bps Well Diversified Pan India Presence Sep’26 Gross Loan Book$ (%) – Top 10 States Branches States with branch network Micro Banking# Non Micro Banking • 26 States and UTs Karnataka 5.7% 7.0% 12.7% • 352 Districts Tamil Nadu 5.9% 6.6% 12.5% 2 2 • 880 Branches (223URCs) West Bengal 6.9% 4.2% 11.1% Maharashtra 3.7% 6.2% 9.9% Gujarat 3.1% 5.3% 8.4% Uttar Pradesh 4.5% 2.8% 7.3% 40 15 New Delhi 1.0% 5.8% 6.9% Bihar 4.7% 1.5% 6.2% 40 17 79 Haryana 3.7% 1.1% 4.8% 78 Rajasthan 2.6% 1.9% 4.5% 8 Others 8.5% 7.3% 15.7% 66 24 108 Note: Individual Loan, MS [Showing first 8,000 characters — download PDF for full document]