Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Shareholder Meeting (August 2026)
26 slides from Jio Financial Services's shareholder meeting presentation, Aug 26, 2026
Slide 1: Exchange filing cover letter for AGM presentation
August 26, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, Dalal Street, Fort, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, Sub: Presentation made to
Slide 2: Annual General Meeting 2026
Annual General Meeting 2026 August 26, 2026 Hitesh Sethia Managing Director & Chief Executive Officer 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: Favourable macroeconomic tailwinds
Favourable macroeconomic tailwinds Robust Fundamentals… …Driving strong growth in Financial Services in India 45.5% of GDP vs. EME^ 7.7% in FY26 vs. Rs. 156.6 lakh crore* GDP Growth average of 55.1% in global growth of 3.5% Total Household Debt September 2025 21% of GDP in FY26 vs. Retail Rs. 73.7 l
Slide 5: Focused & disciplined execution…
Focused & disciplined execution… Operational Strong momentum across verticals with focus on governance & Rs. 30,000 Cr+ Rs. 18,000 Cr+ Excellence quality NBFC AUM* AMC AUM* ~34,000 Product Innovative, industry-first products (incl. Neural Agentic 6.0%** p.a. Daily purchases Innovation Marketplace) s
Slide 6: … while bringing the best to India via marquee partnerships
… while bringing the best to India via marquee partnerships Managing over USD 15 tn in AUM Total assets of USD 3.4 tn serving across over 40 markets helping 135+ years of experience, active in more than 35 countries and/ or millions invest with a track record ~70 countries & serving ~97 mn jurisdict
Slide 7: FY26: Firing on all cylinders…
FY26: Firing on all cylinders… NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr in Rs. Cr in Rs. Cr 2.4x 2.5x 1.8x 52,226 25,622 544 10,074 295 21,404 12,660 88 175 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Insurance Premium Facilitated AMC Closing AUM^ Unique users across
Slide 8: … Leading to sustained growth momentum…
… Leading to sustained growth momentum… BORROW INVEST • Bank of America (BofA) entered into a JV agreement with • Asset management company (AMC) launched 14 mutual JFSL for up to 49.9% in Jio Credit Limited (JCL) in August 2026 * fund schemes, 1 ETF and 1 SIF since June 2025 • JCL total disbursement
Slide 9: …While investing in scaling growth, incubating new ventures
…While investing in scaling growth, incubating new ventures Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) Consolidated PAT in Rs. Cr in Rs. Cr in Rs. Cr 3,274 1,605 1,613 1,313 1,353 1,357 1,561 1,838 1,638 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Rs. 1.34 lakh crore R
Slide 10: 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 11: Product: Comprehensive suite of offerings
Product: Comprehensive suite of 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: Fixed Deposits, Jio Gold, Tax Filing, Cr
Slide 12: Jio Credit Limited
Layer 1 Jio Credit Limited • BofA entered into a JV agreement with JFSL to acquire up to Avg borrowing cost of 49.9% in JCL through equity & warrants for up to Rs. 18,268 Cr* 25 offices in 18 cities 7.07% in Q1 FY27 • JCL to receive Rs. 6,613 Cr for 26.5% equity & Rs. 2,914 Cr – among lowest in indu
Slide 13: Jio Payments Bank Limited
Layer 1 Jio Payments Bank Limited Total Income* Customer Deposits** Diversified Product Offerings & Value Proposition in Rs. Cr in Rs. Cr 7.7x 87 72% 617 Core Liability Suite: Wide range of Digital, Salary, 83 544 Assisted Savings A/Cs, incl. flagship “Savings Pro” 358 Payment & Transaction Excellen
Slide 14: Jio Payment Solutions Limited
Layer 1 Jio Payment Solutions Limited Total Payment Value (TPV) Gross Fee & Commission Income Net Fee & Commission Income* in Rs. Cr in Rs. Cr in Rs. Cr 2.5x 19,208 6.4x 176 3.4x 24 14,626 17 7,719 84 7 27 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 +3bps YoY growth in +2
Slide 15: Joint Ventures with BlackRock
Layer 1 Joint Ventures with BlackRock Asset Management Closing AUM • Maiden cash funds* NFO in June 2025 was among the largest in India in Rs. Cr • JioBlackRock Liquid Fund AUM exceeded Rs. 10,000 Cr in April 2026 21% 18,412 • Six JioBLK Profolios – curated model portfolios of JioBlackRock MF – live
Slide 16: Joint Ventures with Allianz Group
Layer 1 Joint Ventures with Allianz Group Strategic Rationale Full Value-Chain Competitive Synergies Demographic Dividend Covers entire spectrum of reinsurance, Blends JFSL’s local market insights with Captures India’s economic momentum & general & health, and life Allianz’s global underwriting pedi
Slide 17: Jio Insurance Broking Limited
Layer 2 Jio Insurance Broking Limited Total Premium Facilitated* in Rs. Cr • Rs. 100 Cr+ premium facilitated within first year of launch Digital Point 55% • Launched a unique commercial vehicle sourcing portal with 35 238 273 of Sales products from 12 insurers Persons 154 • Customers across 28 State
Slide 18: Neural Agentic Marketplace: Fintelligence for All (1/2)
Layer 3 Neural Agentic Marketplace: Fintelligence for All (1/2) NEURAL AGENTIC MARKETPLACE 16 AI, 10 ML models driving hyper- Intuitive human-centric workflows in 7 Seamless access to own & third-party personalised advisory languages to lower cognitive overload financial products VALUE PROPOSITION T
Slide 19: Neural Agentic Marketplace: Fintelligence for All (2/2)
Layer 3 Neural Agentic Marketplace: Fintelligence for All (2/2) BORROW INVEST SCALE & TRACTION • Home Loan • Mutual Funds 25mn+ • Loan against Property • Savings Pro unique users across digital • Loan against Shares, MFs, ETFs • Jio Gold* properties as of June 2026 • Credit Cards* (70 variants from
Slide 20: Defining our DNA: The four pillars of long-term value
Defining our DNA: The four pillars of long-term value Financial Capital Tech and Data Capital Human Capital Trust Capital Scale-based cost AI-first enterprise powered by Building human-centric, Robust risk, compliance engineering; Prudent, a robust data layer for AI-driven teams for and governance r
Slide 21: Tech, Data & AI (1/2): The engine behind every experience
Tech, Data & AI (1/2): The engine behind every experience 1 2 3 4 5 WHERE WE STARTED WHERE WE ARE NOW Data & AI Platform Real-Time Data Enterprise BI Data Science AI in Customer Integration Dashboards at Scale Lifecycle Set up an enterprise- Integrated enterprise- Built business → Built data science
Slide 22: Tech, Data & AI (2/2): Delivering benefits to business
Tech, Data & AI (2/2): Delivering benefits to business Customer Experience Business Operations Customer conversion via AI/ML-led hyper- 56% personalization on the app 60%+ Reduction in product go-live on the app to ~3 weeks 76% Lower TAT for credit assessment using Video PD* 90%+ Higher efficiency i
Slide 23: Human Capital: Building a high-velocity ecosystem
Human Capital: Building a high-velocity ecosystem Pillars of Customer-Backed Architecture Jio FinX AI-native Decision-making Moving beyond "digital-first" to embed AI and proprietary data directly into daily decisions Agile Team Architecture Replacing hierarchies with autonomous, cross-functional te
Slide 24: ESG & CSR: Taking Formal Finance from Access to Impact
ESG & CSR: Taking Formal Finance from Access to Impact Financial Inclusion Digital Transformation • Democratized Investment: Enabled first-time investors via • Agentic Marketplace: Hyper-personalized, AI-native DigiGold starting at Rs. 10 SIPs interface delivering tailored individual financial insig
Slide 25: Thank you
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Slide 26: 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
Jio Financial Services — Shareholder Meeting (August 2026) on 6ix