Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Q2 FY27 Earnings Presentation
33 slides from Jio Financial Services's earnings presentation, Oct 15, 2026
Slide 1: Exchange filing cover letter for analyst presentation
October 15, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Plot No. C/1, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, Sub: Presentation to a
Slide 2: Q2 FY27 & H1 FY27 Earnings Presentation
Q2 FY27 & H1 FY27 Earnings Presentation October 15, 2026 Jio Financial Services Limited
Slide 3: Safe Harbor
Safe Harbor This presentation contains forward-looking statements which may be identified by their use of words like “plans,” “expects,” “will,” “anticipates,” “believes,” “intends,” “projects,” “estimates” or other words of similar meaning. All statements that address expectations or projections ab
Slide 4: Robust business growth velocity…
Robust business growth velocity… NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr 154% in Rs. Cr 53% in Rs. Cr 19,208 37,320 643 617 8% 30,667 421 14,682 13,566 14,709 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Insurance Premium Facilitated AMC Cl
Slide 5: … leading to sustained operating profitability momentum
… leading to sustained operating profitability momentum Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) in Rs. Cr in Rs. Cr 132% 136% 85% 574 60% 3,195 1,079 1,699 505 1,496 310 676 733 1,353 Q2 FY26 Q2 FY27 Q1 FY27 H1 FY26 H1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 H1 FY26 H1 FY27 Con
Slide 6: Strategic milestones: Accelerating business momentum
Strategic milestones: Accelerating business momentum JioFinance app: Unveiled JioFinance+* (value-back subscription program) and JioFinance360* (a holistic financial assessment and advisory tool); launched JioSilver JioBlackRock Broking: Launched self-directed investing platform, featuring introduct
Slide 7: A full-stack financial ecosystem…
A full-stack financial ecosystem… INVEST BORROW Digital-first, world-class investment solutions Suite of retail and corporate lending products JVs with BlackRock Jio Credit Limited (JCL) Asset management Wealth management Securities broking Jio Insurance Broking Limited (JIBL) Jio Payments Bank Limi
Slide 8: Bringing the best to India via marquee partnerships
Bringing the best to India via marquee partnerships Managing over USD 15 tn in AUM 135+ years of experience, active in Total assets of USD 3.4 tn serving across over 40 markets helping ~70 countries & serving ~9.7 cr more than 35 countries and/ or millions invest with a track record of customers*, t
Slide 9: Product: Comprehensive suite of 30+ product offerings
Product: Comprehensive suite of 30+ product offerings Layer 3: The Core Pivot Proactive hyper-personalisation of N=1 hyper-personalised Customer-first approach AI-Native & Conversational interface relevant offerings to customers Layer 2: Marketplace Aggregation Products: Personal Loans, Credit Cards
Slide 10: Distribution: Deepening National Footprint, Customer Reach
Distribution: Deepening National Footprint, Customer Reach JioFinance, MyJio & Web Portals: Serve as the primary digital customer acquisition engine JCL now present in 19 cities with 26 offices JioBlackRock AMC partners with 15,000+ distributors for MF & SIF JPBL scales BC* network to 633,000+ vs. ~
Slide 11: Data, Tech & AI: Powering Intelligent Financial Services
Data, Tech & AI: Powering Intelligent Financial Services Institutionalizing an advanced analytics platform to embed intelligent automation, predictive analytics, and real-time decisioning across every stage of the customer lifecycle Risk & Business Operations Customer Experience Growth & Marketing F
Slide 12: Jio Credit Limited (1/3)
Jio Credit Limited (1/3) Gross AUM Disbursements in Rs. Cr in Rs. Cr Mortgage Loans 154% 98% 37,320 13,135 Average Ticket Size: Rs. 1.4 Cr 30,667 11,252 Average Tenor: 15.9 years 6,624 14,709 Loan against Securities (Retail) Average Ticket Size: Rs. 1.3 Cr Average Tenor: 3 years Q2 FY26 Q2 FY27 Q1 F
Slide 13: Jio Credit Limited (2/3)
Jio Credit Limited (2/3) Borrowings Borrowing Mix* Capital Adequacy Ratio in Rs. Cr 250% 31.41% 42,007 50% 22.35% 28,120 60% 65% 18.50% 22% 12,006 17% 20% 23% 28% 15% Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Bank Loans NCD CP, ICD & B-TREPS 7.08% Rs. 7,379 Cr Average c
Slide 14: Jio Credit Limited (3/3)
Jio Credit Limited (3/3) Net Interest Income Pre-Provision Operating Profit Profit After Tax in Rs. Cr in Rs. Cr in Rs. Cr 116% 140% 302 151% 201 120 257 96 154 140 80 50 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Operating leverage driven by AUM expansion and scale-base
Slide 15: Jio Payments Bank Limited
Jio Payments Bank Limited Total Income* CASA Customers Customer Deposits** BC Network^ in Rs. Cr lakhs in Rs. Cr 213% 38% 53% 617 3.2x 40.0 39.1 643 633,030 94 83 527,037 29.0 421 30 200,313 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Regulatory ap
Slide 16: Jio Payment Solutions Limited
Jio Payment Solutions Limited Total Payment Value (TPV) Gross Fee & Commission Income Net Fee & Commission Income* in Rs. Cr in Rs. Cr 176 in Rs. Cr 74% 24 8% 19,208 70% 21 14,682 130 13,566 12 76 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 • PRODUCT PRODUCT LAUNCHES LAUN
Slide 17: JioFinance (1/2): Intelligent, Contextual, Conversational
JioFinance (1/2): Intelligent, Contextual, Conversational PRODUCT SUITE Q2 FY27 Highlights BORROW INVEST 199% YoY • Home Loan • Mutual Funds • Savings Pro Rise in Jio Gold purchase transactions • Loan against Property • Wealth Management • Jio Gold* • Loan against Shares, MFs, ETFs • Broking • Jio S
Slide 18: JioFinance (2/2): Driving Engagement via Signature Offerings
JioFinance (2/2): Driving Engagement via Signature Offerings Maximizing customer lifetime value through proprietary offerings JioPoints JioFinance+ JioFinance360 • Integrated loyalty framework for • Comprehensive first-of-its-kind value- • Industry-first holistic financial fitness superior customer
Slide 19: Joint Ventures with BlackRock
Joint Ventures with BlackRock Asset Management Closing AUM Quarterly Average AUM • Launched Regular Plans across all JioBlackRock offerings enabling in Rs. Cr in Rs. Cr broader investor participation 57% 77% • Liquid Fund ranked #1 since inception (QAAUM of Rs. 10,000 Cr+) 22,746 22,769 14,515 18,41
Slide 20: Joint Ventures with Allianz Group
Joint Ventures with Allianz Group Reinsurance General Insurance Rs. 510 Cr GWP* during Jio Allianz General Insurance Limited first six months of operations in advanced stages of regulatory approvals Expanded Surety participation through partnerships with leading insurance carriers Life Insurance Foc
Slide 21: Jio Insurance Broking Limited
Jio Insurance Broking Limited Total Premium Facilitated* Total Fee and Commission Income* in Rs. Cr in Rs. Cr Direct-to-Customer Channel 347 46% 61 346 • 55% QoQ increase in conversion rates across 54 products driven by 200+ tailored journeys 238 37 Institutional Channel • Structured originations dr
Slide 22: Financial Overview
Financial Overview pitt:
Slide 23: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q2 FY26 Q1 FY27 Q2 FY27 % YoY % QoQ H1 FY26 H1 FY27 Interest income 392 962 1,258 221% 31% 755 2,219 Fees and commission income 140 325 277 98% -15% 193 602 Net gain on fair value changes 180 210 165 -9% -22% 376 374 Other Income
Slide 24: Balance Sheet - Consolidated
Balance Sheet - Consolidated Particulars (in Rs. crore) As on Mar 31, 2026 As on Sep 30, 2026 Assets Cash & Bank Balances 3,598 12,459 Investments 133,089 130,348 Loans 25,711 37,493 Other assets 1,099 1,365 Total assets 163,497 181,666 Liabilities Net worth 133,854 129,596 Equity share capital 6,35
Slide 25: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q2 FY26 Q1 FY27 Q2 FY27 % YoY % QoQ H1 FY26 H1 FY27 Interest income 7 105 154 1,986% 46% 45 259 Fees and commission 0 4 1 96% -75% 0 4 Net gain on fair value changes 107 110 78 -28% -29% 204 188 Other Income 20 - - NM NM 20 - Total
Slide 26: Balance Sheet – Standalone
Balance Sheet – Standalone Particulars (in Rs. crore) As on Mar 31, 2026 As on Sep 30, 2026 Assets Cash & Bank Balances 1,028 3,102 Investments 28,094 30,993 Loans 224 1,459 Other assets 90 103 Total assets 29,436 35,657 Liabilities Net worth 29,305 35,521 Equity share capital 6,353 6,603 Other Equi
Slide 27: Statement of Profit and Loss - Jio Credit Limited
Statement of Profit and Loss - Jio Credit Limited Particulars (in Rs. crore) Q2 FY26 Q1 FY27 Q2 FY27 % YoY % QoQ H1 FY26 H1 FY27 Interest income 299 683 900 202% 32% 549 1,583 Finance cost1 159 425 599 277% 41% 292 1,024 Net Interest Income 140 257 302 116% 17% 258 559 Fees and commission income 2 1
Slide 28: Balance Sheet – Jio Credit Limited
Balance Sheet – Jio Credit Limited Particulars (in Rs. crore) As on Mar 31, 2026 As on Sep 30, 2026 Assets Cash & Bank Balances 725 697 Investments 3,027 11,893 Loans 25,711 37,493 Other assets 117 254 Total assets 29,580 50,337 Liabilities Net worth 7,163 7,379 Equity share capital 119 119 Other Eq
Slide 29: Thank you
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Slide 30: Contact Us
Contact Us Mr. Dipak Daga Mr. Rishabh Rathod Group Chief Strategy Officer Investor Relations Chief Investor Relations Officer Email: investor.relations@jfs.in Website: www.jfs.in
Slide 31: Annexure
Annexure eIotat
Slide 32: Group Structure - Subsidiaries
Group Structure - Subsidiaries JFSL is a publicly-listed entity (CIC) and acts Jio Financial Services Ltd (JFSL) as the holding company for the group 100% 100% 100% 100% 100% Jio Finance Platform and Jio Credit Limited Jio Insurance Broking Jio Payment Jio Payments Bank Limited Service Limited (JCL)
Slide 33: Group Structure – Joint Ventures
Group Structure – Joint Ventures JFSL is a publicly-listed entity (CIC) and acts Jio Financial Services Ltd (JFSL) as the holding company for the group 50% 50% 50% 50% Jio BlackRock Asset Jio BlackRock Trustee Jio BlackRock Investment Allianz Jio Reinsurance Jio Allianz General Management Private Pr
Jio Financial Services — Q2 FY27 Earnings Presentation on 6ix