Unaudited Financial Results for quarter ended June 30, 2026

Utkarsh Small Finance Bank August 01, 2026 BSE Limited National Stock Exchange of India Limited Scrip Code: 543942, 975790, 959644, Symbol: UTKARSHBNK 976203 Dear Sir/Madam, Sub: Outcome of the Board Meeting held on Saturday, August 01, 2026 Pursuant to Regulations 30, 33, 51 and other applicable provisions of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“SEBI Listing Regulations”), we hereby inform that the Board of Directors of the Bank at its meeting held today i.e. Saturday, August 01, 2026 has inter-alia, considered and approved the Unaudited Financial Results for the quarter ended June 30, 2026 (“Financial Results”) along with Limited Review Report issued by the Joint Statutory Auditors of the Bank, which are enclosed herewith as Annexure I. As on June 30, 2026, the Bank has no outstanding secured listed non-convertible debt securities and accordingly, the disclosure of extent and nature of security as required under Regulation 54 of the SEBI Listing Regulations is not applicable. The Board Meeting commenced at 02.00 p.m. (IST) and the Financial Results were approved by the Board at 06.30 p.m. (IST). Thereafter, the Board Meeting continued for consideration of other agenda matters. This disclosure is also available on the website of the Bank i.e. www.utkarsh.bank.in. This is for your information and records. Thanking you, Yours faithfully, For Utkarsh Small Finance Bank Limited Muthiah Ganapathy Company Secretary & Compliance Officer Encl: As above Registered & Corporate Office Utkarsh Tower, NH-31 (Airport Road) Sehmalpur, Kazi Sarai, Harhua, Varanasi, Uttar Pradesh - 221105. CIN: L65992UP2016PLC082804 I C9 0542-6605555 I~ www.utkarsh.bank.in Annexure I M M NISSIM & CO LLP KKC & Associates LLP Chartered Accountants Chartered Accountants (formerly Khimji Kunverji & Co LLP) C-2 First Floor, Level 19, Sunshine Tower, Sector 2, Senapati Bapat Marg, Noida - 201301 Elphinstone Road, Mumbai - 400013 Independent Auditors’ Review Report on unaudited financial results for the quarter ended 30 June 2026 of Utkarsh Small Finance Bank Limited pursuant to the Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. The Board of Directors of Utkarsh Small Finance Bank Limited 1. We have reviewed the accompanying statement of unaudited financial results of Utkarsh Small Finance Bank Limited (‘the Bank’) for the quarter ended 30 June 2026 (‘the Statement’), being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (‘the Listing Regulations’). We have initialled the Statement for identification purpose only. 2. This Statement, which is the responsibility of the Bank's Management and approved by the Board of Directors of the Bank, has been prepared in accordance with the recognition and measurement principles laid down in the Accounting Standard 25 ‘Interim Financial Reporting’(‘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 relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (the ‘RBI’) from time to time (the ‘RBI Guidelines’) and other accounting principles generally accepted in India, and in compliance with Regulation 33 and Regulation 52 read with Regulation 63(2) of the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review. 3. We conducted our review in accordance with the Standard on Review Engagements (‘SRE’) 2410, “Review of Interim Financial Information Performed by the Independent Auditor of the Entity” issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review is limited primarily to inquiries of the Bank’s personnel and analytical procedures applied to financial data and thus provides less assurance than an audit. We have not performed an audit and 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 thereunder, the RBI Guidelines and other accounting principles generally accepted in India and has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52 read with Regulation 63(2) 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 RBI in respect of income recognition, asset classification, provisioning and other related matters. Page 1 of 2 M M NISSIM & CO LLP KKC & Associates LLP Chartered Accountants Chartered Accountants (formerly Khimji Kunverji & Co LLP) 5. Attention is drawn to the fact that the figures for the quarter ended 31 March 2026 as reported in these financial results are the balancing figures between the audited figures in respect of the full previous financial year and the published unaudited year to date figures up to the third quarter of the previous financial year which were subject to limited review by us. 6. Attention is drawn to the fact that the unaudited financial results of the Bank for the corresponding quarter ended 30 June 2025 were reviewed by predecessor auditors whose report dated 02 August 2025 expressed an unmodified conclusion on those unaudited financial results For M M NISSIM & CO LLP For KKC & Associates LLP Chartered Accountants Chartered Accountants (formerly Khimji Kunverji & Co LLP) Firm Registration Number: 107122W/ W100672 Firm Registration Number: 105146W/W100621 Navin Kumar Jain Gautam Shah Partner Partner ICAI Membership No.: 090847 ICAI Membership No.: 117348 UDIN: 26090847YKFCAG5410 UDIN: 26117348ZUTFBC8108 Place: Noida Place: Mumbai Date: 01 August 2026 Date: 01 August 2026 Page 2 of 2 Utkarsh Small Finance Bank Limited CIN: L65992UP2016PLC082804 Registered office addrtss: Utkarsh Tower, NII-31 (Airport Road), Sehmalpur, Kazi Sarai, Harhua, Varanasi, Uttar Pradesh, PIN -221105 Statement of unaudited Financial Results for the qunrter ended June 30, 2026 (r in fakir) For the quarter ended For the quarter ended For the quarter ended For the year ended June 30, 2026 March 31, 2026 June 30, 2025 March 31, 2026 Unaudited Refer Note 15 Unaudited Audited 1 Interest Earned (a+b+c+d) 88,356.30 83,675.46 88,090.63 3,37,878.04 (a) Interest/ discount on advances/ bill 75,298.23 69,517.72 75,635.90 2,84,575.16 (b) Income on investments 11,551.66 11,945.87 8,100.77 40,167.90 (c) Interest on balances with Reserve Bank of India and other interbank funds 1,506.21 2,211.64 4,353.68 13,133.95 (d) Others 0.20 0.23 0.28 1.03 2 Other Income 11,880.92 11,531.56 13,774.51 43,096.65 3 Total Income (1+2) 1,00,237.22 95,207.02 1,01,865.14 3,80,974.69 4 Interest Expended 46,148.77 46,064.85 _4 7,909.33 1,90,203.83 5 Operating Expenses (i)+(ii) 47,731.71 47,911.27 44,791.59 1,85,135.88 (i) Employees cost 24,062.71 23,732.71 22,820.25 94,796.24 (ii) Other operating expenses 23,669.00 24,178.56 21,971.34 90,339.64 6 Total Expenditure (4+5) excluding provisions and contingencies 93,880.48 93,976.12 92,700.92 3,75,339.71 7 Operating Profit before Provisions and Contingencies (3-6) 6,356.74 1,230.90 9,164.22 5,6~-1.98 8 Provisions ( o [Showing first 8,000 characters — download PDF for full document]