Certificate under SEBI (Depositories and Participants) Regulations, 2018

Dear Sir/Madam, Pursuant to Regulation 74(5) of Securities and Exchange Board of India (Depositories and Participants) Regulations, 2018, please find enclosed herewith the certificates received from KFin Technologies Limited, Registrar to an Issue and Share Transfer Agent (RTA) of the Bank in respect of the Equity Shares of the Bank for the period April 01, 2026 to June 30, 2026. This is for your information and record. Yours faithfully Encl.: As above KFIN/USBL/CDSL/74(5) E/1 Date: 01‐07‐2026 CENTRAL DEPOSITORY SERVICES (INDIA) LIMITED REGD OFF: MARATHON FUTUREX, A WING 25TH FLOOR NM JOSHI MARG LOWER PAREL (EAST) MUMBAI ‐ 400 023 Dear Sir(s), Sub: Certificate under Regulation 74(5) for the quarter ended June 30,2026 We as Registrar to an Issue and Share Transfer Agent of the UTKARSH SMALL FINANCE BANK LIMITED, certify that the details of securities dematerialized/rematerialized during the aforesaid period, as required under Regulation 74(5) of SEBI (Depositories and participants) Regulations 2018 have been furnished to all the Stock Exchanges where the shares of the company are listed. Thanking You Yours faithfully, for KFIN TECHNOLOGIES LIMITED SHARMILA HEMANT AMIN ASSISTANT VICE PRESIDENT CC TO: UTKARSH SMALL FINANCE BANK LIMITED UTKARSH TOWER NH ‐ 31 (AIRPORT ROAD) SEHMALPUR, KAZI SARAI, HARHUA VARANASI UP 221105 KFIN/USBL/NSDL/74(5) E/1 Date: 01‐07‐2026 NATIONAL SECURITIES DEPOSITORY LIMITED TRADE WORLD 4TH FLOOR KAMALA MILLS COMPOUND SENAPATI BAPAT MARG LOWER PAREL MUMBAI ‐ 400 013 Dear Sir(s), Sub: Certificate under Regulation 74(5) for the quarter ended June 30,2026 We as Registrar to an Issue and Share Transfer Agent of the UTKARSH SMALL FINANCE BANK LIMITED, certify that the details of securities dematerialized/rematerialized during the aforesaid period, as required under Regulation 74(5) of SEBI (Depositories and participants) Regulations 2018 have been furnished to all the Stock Exchanges where the shares of the company are listed. Thanking You Yours faithfully, for KFIN TECHNOLOGIES LIMITED SHARMILA HEMANT AMIN ASSISTANT VICE PRESIDENT CC TO: UTKARSH SMALL FINANCE BANK LIMITED UTKARSH TOWER NH ‐ 31 (AIRPORT ROAD) SEHMALPUR, KAZI SARAI, HARHUA VARANASI UP 221105