Financials results quarterly and half yearly ended 30th September 2026

JSFB/SEC/2026-27/93 23rd October, 2026 BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai 400001, Bandra (East), Mumbai 400051, Maharashtra Maharashtra. BSE Scrip Codes: 544118, 953148, 977229 NSE Symbol: JSFB Dear Sir/ Madam, Subject: Outcome of the Board Meeting Ref: Regulations 30, 33, 51 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our letter dated 12th October, 2026, the Board of Directors of the Bank met today i.e., 23rd 2026 and inter-alia approved the un-audited financial results of the Bank for the quarter and half year ended 30th September 2026. The Board Meeting commenced at 12:30 p.m. and concluded at 03.00 p.m. the copies of the financial results along with limited review report is enclosed. You are requested to kindly take the same on your record and oblige. Thanking you Yours faithfully, For Jana Small Finance Bank Limited Lakshmi R. N Company Secretary and Compliance Officer JAMA KARO, JANA KARO Registered Office: Jana Small Finance Bank Limited T +91 80 4602 0100 The Fairway Business Park, # 10/1, 11/2 & 12/2B, Off E info@jana.bank.in D omlur, Koramangla Inner Ring Road, Next to Embassy Golf W www.jana.bank.in Links, Challaghatta, Bengaluru -560071. CIN No. L65923KA2006PLC040028 In accordance with the requirement of regulation 52(4), we hereby submit the following information for the period ended 30th September 2026: As per SL No Regulation Descriptions 30.09.2026 52(4) 1 a Debt-Equity Ratio 1.07 2 b Debt service coverage ratio NA 3 c Interest service coverage ratio NA 4 d Outstanding redeemable preference The Bank has not issued any Redeemable shares (quantity and value) Preference Shares. 5 e Capital redemption i. ₹ 0.01 crores (less than ₹.1 lakh) reserve/debenture redemption ii. As per Section 71(4) of the Companies Act, reserve; 2013 read with Rule 18(7) of the Companies (Share Capital and Debentures), Rules, 2014 requirement of creating Debenture Redemption Reserve is not applicable to the Banking Company. 6 f Net worth ₹ 4,637.68 crores 7 g Net profit after tax; ₹ 325.60 crores 8 h Earnings per share: Basic ₹ 30.86 Diluted ₹ 30.62 9 i Current ratio NA 10 j Long term debt to working capital NA 11 k Bad debts to Account receivable ratio 12 l Current liability ratio NA 13 m Total debts to Total assets 10.47 % 14 n Debtors turnover NA 15 o Inventory turnover; NA 16 p Operating margin (%); 19.87 % 17 q Net profit margin (%); 9.15 % 18 Sector specific equivalent ratios, [as applicable.] Capital Adequacy Ratio (%) (as per 19.95 % Basel-II) NPA Ratios a) Gross NPA 2.34 % b) Net NPA 1.17 % Return on Assets (Annualized) 1.39 % Pursuant to Regulation 32(2), the proceeds from the issue have been fully utilized for the purposes for which they were raised. Accordingly, reporting under this regulation is not applicable. Pursuant to Regulation 52(6), non-convertible redeemable preference shares are not applicable, as Bank has not issued any non-convertible Redeemable Preference Shares. Pursuant to Regulation 52(7) and 52(7A), the proceeds of non-convertible securities were utilised for the purpose for which these proceeds were raised and there were no material deviations in the use of proceeds of issue of non-convertible debt securities from the objects stated in the offer document. The disclosure under Regulation 54 (2) and (3) are not applicable, as Bank has not issued any Secured Non- convertible Debt Securities.