Shareholders meeting

Ref No: 13/SE/CS/JULY/2026-27 Date: July 20, 2026 Listing Department L i s t i n g & Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor Dalal Street, Mumbai – 400001 Plot No. C/1, “G” Block Bandra- Kurla Complex Bandra(E), Mumbai- 400051 BSE Scrip Code: 544020 NSE Symbol: ESAFSFB Dear Sir/ Madam, Subject: Notice of the Tenth (10th) Annual General Meeting (“AGM”) and Integrated Annual Report for the Financial Year 2025-2026 comprising of Business Responsibility and Sustainability Report of ESAF Small Finance Bank Limited (“Bank”) – Intimation under Regulation 34 and 58 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our intimation dated July 10, 2026, we wish to inform that the Tenth (10th) Annual General Meeting (“AGM”) of the Shareholders of ESAF Small Finance Bank Limited (the “Bank”), will be held on Friday, August 14, 2026 at 3.00 P.M (IST) through Video Conferencing (“VC”) / Other Audio-Visual Means (“OAVM”), in compliance with relevant circulars issued by the Ministry of Corporate Affairs (“MCA”) and the Securities and Exchange Board of India (“SEBI”), from time to time. Pursuant to Regulation 34 and 58 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith, the Annual Report of the Bank for the financial year 2025-2026 comprising of Business Responsibility and Sustainability Report, along with the Notice of AGM which is being sent through electronic mode to the Members of the Bank whose email addresses are registered with the Registrar and Share Transfer Agent of the Bank/Depository Participant(s). Further, in terms of Regulation 44 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) and Section 108 of the Companies Act, 2013 read with the Companies (Management & Administration) Rules, 2014 as amended, the Bank is providing the facility to its Members holding shares as on the cut-off date, August 7, 2026 to exercise their right to vote by electronic means (the ‘Remote e-voting’) on any or all of the business specified in the accompanying notice. The facility for e-voting will also be made available during the AGM, and those shareholders present in the AGM through VC/OAVM facility, who have not cast their vote on the resolutions through remote e-voting and are otherwise not barred from doing so, shall be eligible to vote through the e-voting system at the AGM. The Notice of the AGM and Annual Report comprising of Business Responsibility and Sustainability Report for the Financial Year 2025-26 are also made available on the website of the Bank at https://www.esaf.bank.in/investor-relation/?id=annual-reports. This intimation shall also be available on the Bank’s website at https://www.esaf.bank.in/investor-relation/?id=disclosure-to-stock-exchanges-2026-27/ Requesting you to take the same into your records. Thanking you, Yours Faithfully For ESAF Small Finance Bank Limited Ranjith Raj. P Company Secretary and Compliance Officer ESAF Small Finance Bank Notice ESAF SMALL FINANCE BANK LIMITED CIN: L65990KL2016PLC045669 Registered Office: Building No. VII/83/8, ESAF Bhavan, Thrissur-Palakkad National Highway, Mannuthy, Thrissur, Kerala, India, PIN – 680 651 E-mail: investor.relations@esafbank.com Ph. No.: 0487-7123456 Website: www.esaf.bank.in NOTICE FOR CONVENING THE 10TH ANNUAL GENERAL 3. To appoint M/s. Rodi Dabir & Co, Chartered MEETING OF THE BANK Accountants, Nagpur (Firm Registration Notice is hereby given that the Tenth Annual General Number: 108846W), as one of the Joint Statutory Meeting (“AGM”) of Shareholders of ESAF Small Auditors of the Bank to hold office for a period Finance Bank Limited (the “Bank”), will be held on of three (3) consecutive financial years, who Friday, 14th August, 2026 at 03:00 PM (IST) through shall hold office from the conclusion of the 10th Video Conferencing (“VC”)/Other Audio-Visual Means Annual General Meeting until the conclusion of (“OAVM”), to transact the following businesses. the 13th Annual General Meeting of the Bank and fixing of remuneration of the Joint Statutory ORDINARY BUSINESS Auditors of the Bank. To consider and if thought fit, to pass with or without 1. To receive, consider and adopt the Standalone modification(s), the following resolution as an Audited Financial Statements of the Bank for Ordinary Resolution: the Financial year ended 31st March, 2026, together with the schedules and annexures “ RESOLVED THAT pursuant to the provisions of thereto, reports of the Board of Directors and Section 139, 141, 142 and other applicable provisions, the Auditors thereon. if any, of the Companies Act, 2013 (“Act”) and the Companies (Audit and Auditors) Rules, 2014 (“Rules”), To consider and if thought fit, to pass with or without the relevant provisions of the Securities and Exchange modification(s), the following resolution as an Board of India (Listing Obligations and Disclosure Ordinary Resolution: Requirements) Regulations, 2015 (“SEBI Listing “ RESOLVED THAT the Audited Financial Statements Regulations”), Section 30 and the applicable provisions of the Bank for the Financial Year ended 31st March, of the Banking Regulation Act, 1949, including relevant 2026 and the reports of the Board of Directors and circular, notification, guidelines issued by the Reserve the Auditors thereon, be and are hereby received, Bank of India (“RBI”), in this regard, from time to considered and adopted.” time and any other applicable laws (including any 2. To re-appoint Shri. George Ittan Maramkandathil statutory amendment(s) thereto, modification(s) or (DIN: 11193648), Non-Executive Director, who re-enactment(s) thereof, for the time being in force), retires by rotation this year, and being eligible, approval of the members of the Bank, be and is offered himself for re-appointment. hereby accorded for the appointment of M/s. Rodi To consider and if thought fit, to pass with or without Dabir & Co, Chartered Accountants having Firm modification(s), the following resolution as an Registration No. 108846W, issued by the Institute of Ordinary Resolution: Chartered Accountants of India, as one of the Joint Statutory Auditors of the Bank, to hold the office for “ RESOLVED THAT pursuant to the provisions of a period of three (3) consecutive financial years, from Section 152 and other applicable provisions, if the conclusion of the 10th Annual General Meeting any, of the Companies Act, 2013 and rules made until the conclusion of the 13th Annual General thereunder, Shri. George Ittan Maramkandathil (DIN: Meeting of the Bank, subject to the approval of the RBI 11193648), who retires by rotation at this meeting to be obtained by the Bank for every year and on such and who being eligible has offered himself for re- terms and conditions, including such remuneration appointment, be and is hereby re-appointed as plus applicable taxes and reimbursement of out-of- Non-Executive Director of the Bank.” pocket expenses in connection with the audit as may be mutually agreed between the Board of Directors of Directors) Rules, 2014, and other applicable rules, if the Bank (“Board”) and the Auditors.” any (the “Rules”), Regulation 17 and other relevant “ RESOLVED FURTHER THAT pursuant to the provisions of the Securities and Exchange Board of provisions of Section 142 and other applicable India (Listing Obligations and Disclosure Requirements) provisions, if any, of the Act read with the Rules, Regulations, 2015 (“SEBI Listing Regulations”), Section Section 30 of the Banking Regulation Act, 1949 10A and other applicable provisions of the Banking and the guidelines and circulars issued by the RBI Regulation Act, 1949 and the rules, guidelines in this regard, from time to time, including any and circulars issued by the Reserve Bank of India amendme [Showing first 8,000 characters — download PDF for full document]