Utkarsh Small Finance Bank held its 10th Annual General Meeting on August 04, 2026, approving key board appointments including the induction of Sarjukumar Pravin Simaria as Whole-time Director. The meeting, conducted via Video Conferencing or Other Audio Visual Means in compliance with the Companies Act, 2013 and SEBI Listing Regulations, also saw the reappointment of Dr. Ram Jass Yadav as a Director and the adoption of the audited financial statements for the financial year ended March 31, 2026.

The proceedings were chaired by Dr. Kshatrapati Shivaji, Part Time Chairman and Independent Director. Mr. Muthiah Ganapathy, Company Secretary & Compliance Officer, informed members that there were no qualifications, observations, or adverse remarks in the Joint Statutory Auditor's Report or the Secretarial Auditors' Report for FY25-26. Mr. Avinash Bagul, Partner at BNP & Associates, was appointed as the scrutinizer to oversee the e-voting process, which was available from August 01, 2026, to August 03, 2026, and during the meeting.

Resolutions Passed

Shareholders voted on several ordinary and special business items. The key resolutions included:

Management Commentary

Dr. Shivaji noted that the microfinance sector faced significant challenges during the year, testing the bank's resilience. He stated that the institution prioritized long-term sustainability over short-term growth by adopting a conservative lending approach, enhancing risk management, and strengthening collections. These measures led to early signs of improvement in collection efficiency, asset quality, and business momentum in the latter part of the year.

Mr. Govind Singh, Managing Director & CEO, addressed members regarding the bank's performance in FY25-26. He highlighted progress in portfolio diversification, deposit mobilization, and the successful completion of the rights issue. Mr. Singh emphasized the bank's focus on technology-led transformation and operational efficiency to drive sustainable growth. Members raised queries regarding the annual report and financial statements, which were addressed by Mr. Singh and Mr. Sarju Simaria.

What the Numbers Show

The absence of adverse remarks in both the statutory and secretarial audit reports signals improved governance compliance for Utkarsh Small Finance Bank following previous regulatory scrutiny. The strategic shift toward conservative lending and enhanced risk management, as described by management, aligns with the observed improvements in asset quality and collection efficiency, suggesting a stabilization phase after a period of sector-wide stress.

Utkarsh Small Finance Bank has released the audio recording of its earnings conference call held on August 03, 2026, providing investors and analysts with access to management's commentary on the bank's financial performance. The call discussed the unaudited financial results for the quarter ended June 30, 2026 (Q4FY27), offering insights into the institution's operational health and strategic direction following the fiscal year close.

The disclosure is made pursuant to Regulation 30 read with Para A of Part A of Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. This follows a prior notification dated July 29, 2026, which informed stakeholders of the scheduled conference call. The availability of the recording ensures transparency and equal access to information for all market participants.

Key Disclosures

The bank has provided specific details regarding the availability of materials related to the earnings discussion:

The investor presentation accompanying the call was submitted to the stock exchanges vide the bank's letter dated August 01, 2026. It is also available on the bank's website at www.utkarsh.bank.in . The transcript of the call will be submitted in accordance with the SEBI Listing Regulations at a later date.

Compliance Details

The communication was issued by Muthiah Ganapathy, Company Secretary & Compliance Officer, on behalf of Utkarsh Small Finance Bank Limited. The registered and corporate office of the bank is located at Utkarsh Tower, NH-31 (Airport Road) Sehmalpur, Kazi Sarai, Harhua, Varanasi, Uttar Pradesh - 221105. The company identification number (CIN) is L65992UP2016PLC082804.

This filing serves as a formal record for investors and regulatory bodies, ensuring that all market participants have equal access to the management's commentary on the quarter's performance. No specific financial metrics were disclosed in this communication, as it pertains solely to the availability of the earnings call recording.