Date: 23rd October 2026

Regulatory Compliance Disclosure

Jana Small Finance Bank Limited submitted a Security Cover Certificate for the quarter ended September 30, 2026 to BSE Limited and National Stock Exchange of India Ltd. in compliance with Regulation 54(3) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The disclosure under Regulation 54(1) and (2) was not applicable as the Bank has not issued any Secured Non-convertible Debt Securities.

Security Cover Certificate Details (Annexure I)

Assets Not Offered as Security (₹ in 000's)

  • Property, Plant and Equipment (including CWIP): ₹24,65,944
  • Investments: ₹10,06,20,704
  • Loans & Advances: ₹35,44,54,119
  • Cash and balances with Reserve Bank of India: ₹3,05,16,349
  • Balances with banks and money at call and short notice: ₹28,27,790
  • Other assets: ₹1,02,64,775
  • Total Assets Not Offered as Security: ₹50,11,49,681

Liabilities Related to Certificate

  • Debt securities to which this certificate pertains (Rated, Unsecured, Subordinated, Redeemable Lower Tier II Bonds in the form of Non-Convertible Debentures; Rated, Unsecured, Subordinated, listed, Transferable, Non-Convertible Debentures): ₹32,50,000
  • Other debt sharing pari-passu charge with above debt: Not applicable (₹0)
  • Subordinated debt (Non-Convertible Debenture): ₹5,00,000
  • Bank borrowings (SLTRO, MSF, Call Money, Repo): ₹13,87,500
  • Other debt securities (Refinances & Tri Party Repo): ₹4,73,41,552
  • Deposits: ₹38,22,07,993
  • Other liabilities & Provisions: ₹1,72,56,193
  • Total Liabilities: ₹45,19,43,238

Security Cover Ratios

  • Cover on Book Value: Not specified in data
  • Cover on Market Value: Not specified in data
  • Pari-Passu Security Cover Ratio: Not specified in data
  • Exclusive Security Cover Ratio: Not specified in data

Management Certification

The Bank certified through its Chief Financial Officer, S Abhilash, that it has complied with all covenants as specified in the Debenture Trust Deeds.

No material disclosures under the following sections:

  • KMP / Board / Auditor Changes
  • Dividend Declaration or Non-Declaration
  • Board Meeting Outcomes
  • Financial Results
  • Disinvestment / Strategic Actions
  • Media Release / Investor Communication
  • Other Operational / Legal / Strategic Disclosures