Jio Financial Services Limited – Investor Presentation Summary

Key Operational Highlights

  • 25mn+ Unique users across all digital properties
  • NBFC quarterly disbursement exceeded Rs. 11,000 Cr
  • Payments Bank commenced FASTag ANPR-based MLFF toll processing operations
  • Payment Solutions launched cross-border collection services for Indian exporters
  • JioBlackRock AMC expanded product offerings with Prism SIF NFO
  • Incorporated Jio Allianz General Insurance Limited as a 50:50 JV with Allianz
  • Jio Payment Bank Limited widened Business Correspondents network to 527,000+ vs. 50,000+ in Q1 FY26
  • Jio Insurance Broking Limited Digital POSP agents in 25 states
  • Jio Payment Solutions Limited strengthened merchant network in 26 states
  • Integrated digital storefront and on-ground channel footprint across 19,000+ PIN codes

Key drivers of operational performance: Strong organic growth in NBFC, product diversification in payments, expansion of distribution network, and new joint venture formations.

Segment-wise Performance

Jio Credit Limited (NBFC):

  • AUM reached Rs. 1.24 lakh crore with 85% YoY growth
  • Home Loan AUM: Rs. 54,300 crore (81% YoY growth)
  • Loan Against Mutual Funds AUM: Rs. 23,600 crore (104% YoY growth)
  • Loan Against Shares AUM: Rs. 42,400 crore (85% YoY growth)
  • Loan Against ETF AUM: Rs. 3,400 crore (63% YoY growth)
  • Disbursement mix: 56% secured, 44% unsecured

Jio Payment Solutions Limited:

  • Achieved operational turnaround through product diversification
  • Total Payment Value (TPV) growth not specified

Explanation of significant changes in segment performance: NBFC growth driven by sustained AUM expansion across all product categories, particularly in secured lending segments.

Financial Highlights

Consolidated Performance:

  • Profit Before Tax (including dividend): Rs. 970 Cr (131% YoY growth)
  • Full consolidation of Reliance Services and Holdings Limited as 100% step-down subsidiary w.e.f. April 30, 2026

NBFC (Jio Credit Limited) Performance:

  • Profit after Tax: Rs. 96 Cr (113% YoY growth)
  • Interest income: Rs. 683 Cr (172% YoY growth)
  • Net Interest Income: Rs. 257 Cr (118% YoY growth)
  • Pre-provisioning operating profit: Rs. 154 Cr (128% YoY growth)

Standalone Performance (JFSL):

  • Profit after tax: Rs. 105 Cr (47% YoY growth)
  • Total Income: Rs. 219 Cr (63% YoY growth)
  • Pre provisioning operating profit: Rs. 150 Cr (67% YoY growth)

Drivers of financial performance: Sustained growth in AUM, operational efficiency gains, and operational turnaround of payments businesses.

Geographical Revenue Split

Not Specified

Balance Sheet Snapshot

  • Total Consolidated Shareholders' Equity: Rs. 1.37 lakh Cr as of June 30, 2026

Financial Health Insights: Strong equity base maintained while investing in growth-stage scaling and nascent business incubation.

Capex & Cash Flow Health

Not Specified

Strategic & R&D Initiatives

Technology & AI Investments:

  • 60%+ reduction in in-house product go-live time to ~3 weeks
  • 71% reduction in TAT using partner onboarding portal
  • 90%+ higher efficiency in processing chargebacks
  • 70% efficiency gain via automated end-to-end ops tracking
  • Fraudulent emails automatically dealt with 90% effectiveness
  • Faster risk analysis and scoring across 20 metrics

Joint Venture Developments:

  • JioBlackRock AMC: Received final approval from IFSCA to set up retail Fund Management Entity in GIFT City
  • Allianz Jio Reinsurance: Commenced operations in March 2026, Rs. 266 Cr GWP during first quarter
  • Non-binding agreement to establish Life Insurance JV with Allianz in India

Expected impact on growth: Expansion into high-growth insurance markets, diversified product offerings, and enhanced technological capabilities.

Industry Trends & Business Environment

Not Specified

Management Commentary & Growth Outlook

Strategic Outlook: Focus on proactive hyper-personalization of relevant offerings to customers through AI-native and conversational interfaces.

FY Guidance: Not Specified

Market Share Targets: Not Specified

Risks and Opportunities: Not Specified

Additional Headings

JioFinance Marketplace Performance:

  • 25mn+ Monthly Active Users across all digital properties
  • ~34,000 own & third-party products purchased daily
  • 204mn+ JioPoints issued to 5.7mn enrolled Customers
  • 8 partner banks & NBFCs for various products
  • 56% conversions via "Next Best Offer" recommendation engine
  • 16 AI Agents, 10 ML models for hyper-personalized insights