General Updates

July 05, 2026 The BSE Limited National Stock Exchange of India Limited Scrip Code: 543942, 975790, 959644, 976203 Symbol: UTKARSHBNK Dear Sir/ Madam, Sub: Disclosure under Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulation”) – Business Updates for the quarter ended June 30, 2026 Pursuant to SEBI Listing Regulations and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information framed in terms of Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015, please find below updates for the quarter ended June 30, 2026: Change Change Particulars Q1 FY27 Q1 FY26 Q4 FY26 YoY QoQ (In ₹ Crore unless (Limited (Provisional) % (Audited) % specified otherwise) Review) Disbursements Total Disbursements * 3,370 2,269 48.5% 4,207 (19.9)% JLG Disbursements* 1,190 1,139 4.5% 1,425 (16.5)% Non-JLG Disbursements 2,180 1,130 92.9% 2,782 (21.6)% Portfolio Gross Loan Portfolio** 19,612 19,224 2.0% 19,332 1.4% JLG Loan Portfolio** 5,480 8,578 (36.1)% 5,789 (5.3)% Non-JLG Loan Portfolio 14,132 10,646 32.7% 13,543 4.3% Portfolio Mix JLG : Non-JLG 28 : 72 45 : 55 30 : 70 MB : Non-MB 37 : 63 47 : 53 38 : 62 Secured : Unsecured 51 : 49 45 : 55 51 : 49 Deposits Total Deposits 22,053 21,489 2.6% 21,654 1.8% CASA Deposits 4,867 4,229 15.1% 5,196 (6.3)% Retail Term Deposits 13,393 11,675 14.7% 12,720 5.3% Bulk Term Deposits 3,794 5,585 (32.1)% 3,738 1.5% Key Deposits Ratio CASA Ratio (%) 22.1% 19.7% 24.0% CASA + Retail Term 82.8% 74.0% 82.7% Deposits Ratio (%) *All eligible Micro banking disbursements from January 17, 2025 onwards are covered under the CGFMU Scheme. **Including IBPC issued by the Bank. Micro-Banking Asset Quality Particulars Q1 FY27 Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 X Bucket Collection Efficiency 99.63% 99.69% 99.08% 98.62% 98.65% SMA Pool % 1.20% 1.33% 3.18% 4.87% 5.10% Liquidity Coverage Ratio (LCR) stood at 223% as on June 30, 2026. Please note that the information with reference to Q1 FY27 is provisional and subject to review by the Joint Statutory Auditors of the Bank and approval of the Audit Committee and Board of Directors. The disclosure will also be made available on the Bank’s website i.e. www.utkarsh.bank.in Thanking You. Yours faithfully, For Utkarsh Small Finance Bank Limited Muthiah Ganapathy Company Secretary & Compliance Officer