Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Q1 FY26 Earnings Presentation
21 slides from Jio Financial Services's earnings presentation, Jul 17, 2025
Slide 1: Exchange filing cover letter
July 17, 2025 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 anal
Slide 2: Q1 FY26 Earnings Presentation
Q1 FY26 Earnings Presentation July 17, 2025 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: Q1 FY26 Highlights: Focusing on operational execution
Q1 FY26 Highlights: Focusing on operational execution… Rs. 619Cr Rs. 17,876Cr Consolidated Total Income (+48% YoY) AMC AUM* Rs. 219Cr Net Income from Business** Rs. 11,665Cr (up 4x YoY; ~40% of Consolidated Net Total NBFC AUM vs Rs 217Cr in Q1 FY25 Income^ vs 12% in Q1 FY25) Rs. 366Cr Rs. 7,717Cr Co
Slide 5: … and growing traction across businesses
… and growing traction across businesses • JioBlackRock entities for asset management, wealth management and broking receive regulatory approvals; strong investor participation in maiden NFO • Completed acquisition of SBI’s 14.96% stake in Jio Payments Bank Limited (JPBL) for ~Rs. 105Cr; JPBL now wh
Slide 6: Continued focus on serving India's financial needs
Continued focus on serving India’s financial needs… JVs with BlackRock Invest Borrow Jio Credit Limited Asset management, wealth Suite of retail and corporate management & securities broking lending products Jio Payments Bank Limited Jio Insurance Broking Limited Jio Payment Solutions Limited Suite
Slide 7: Products: Smart, seamless and secure solutions for #GenAll
1. Products: Smart, seamless and secure solutions for #GenAll INVEST BORROW • Mutual Funds – New Launch • Home Loan • Digital Gold (lumpsum & systematic • Loan against Property investment plan) • Loan against Mutual Funds • My Money – Finance Dashboard • Loan against Shares TRANSACT PROTECT • UPI (d
Slide 8: Distribution: Strengthening Digital and Physical Footprint
2. Distribution: Strengthening Digital and Physical Footprint Digital Physical JioFinance app: Growing digital platform for all retail products JPBL builds network of 50,000+ touchpoints JioBlackRock MFs and JCL products available on external fintech platforms JCL, JPSL and JIBL expand physical cust
Slide 9: Technology & Data: Powering Seamless User Experience
3. Technology & Data: Powering Seamless User Experience Fit-for-Purpose • Advanced Data Analytics and AI platform implemented Straight SaaS-first, for group entities through open standards & processing interoperability • “Single Customer View” implemented across JFSL for enhanced customer insights a
Slide 10: People: Driving Growth through Innovation
4. People: Driving Growth through Innovation Execution Excellence • Agile pod structure: Established over 80 cross-functional, capability- based pods to accelerate innovation and product delivery • Horizontal shared services model implemented across the group for JFSL’s Ownership greater productivit
Slide 11: Lending: Jio Credit Limited (1/2)
Lending: Jio Credit Limited (1/2) Secured loan book catering to prime and near-prime retail customers & high credit-rated corporates Home Loan Loan against Property Loan against Securities Corporate Loans • Home loan for purchase and • Including lease rental • Loan against Mutual Fund • Vendor Finan
Slide 12: Lending: Jio Credit Limited (2/2)
Lending: Jio Credit Limited (2/2) AUM (Rs. Cr) Q1 FY26 Key Highlights 16% 11,665 • Expanded physical presence to 11 cities 10,053 • End-to-end digital customer journey for Loan against Securities • Prudent liability mix to optimize cost of funding and support quality asset book • Assigned “AAA” rati
Slide 13: Payments: Jio Payments Bank Limited
Payments: Jio Payments Bank Limited CASA Customers Deposits* (Rs. Cr) Business Correspondent Network** 21% 358 50,567 12% 2.58mn 295 153% 2.31mn 117 19,998 0.96mn 2,299 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q4 FY25 Q1 FY26 Revenue Pillars Q1 FY26 Key Highlights CASA variants includ
Slide 14: Payments: Jio Payments Solutions Limited
Payments: Jio Payments Solutions Limited Growth Enablers Transaction Processing Volume (Rs. Cr) 29% 7,717 Enterprise product suite for 5,963 Product collections & payments across 3,989 Proposition online, instore & remote payments Q1 FY25 Q4 FY25 Q1 FY26 Tech Platform Scalable, secure and best-in-cl
Slide 15: Invest: Joint Ventures with BlackRock
Invest: Joint Ventures with BlackRock Asset Management • Strong response to New Fund Offering across Overnight, Liquid and Money Market Rs. 17,876Cr • Participation from 90+ institutional and 67,000+ individual investors AUM* • One of the largest cash/ debt fund NFOs in India • Receives regulatory a
Slide 16: Financial Overview
FINANCIAL OVERVIEW veces
Slide 17: Group Structure
Group Structure JFSL is a publicly-listed entity Jio Financial Services Ltd (JFSL) (CIC) and acts as the holding company for the group 100% 100% 100% 100% 100% 100% 100% Reliance Industrial Jio Finance Jio Leasing Jio Insurance Jio Payment Jio Payments Bank Jio Credit Limited Investments and Platfor
Slide 18: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q1 FY25 Q4 FY25 Q1 FY26 FY25 Interest income 162 276 363 853 Dividend income - - - 241 Fees and commission income 38 39 53 155 Net gain on fair value changes 218 178 196 794 Other Income - 25 7 36 Total Income 418 518 619 2,079 F
Slide 19: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q1 FY25 Q4 FY25 Q1 FY26 FY25 Interest income 19 42 38 117 Dividend income - - - 235 Fees and commission 1 3 - 6 Net gain on fair value changes 114 107 96 447 Other Income - 23 - 34 Total Income 134 175 134 839 Staff Expenses 16 18
Slide 20: Our Principles – 4Rs
Our Principles – 4Rs Operate within the Reputation regulatory framework Return of Ensure fair return to with best-in-class Capital shareholders and other governance standards stakeholders Set the highest ethical Ensure prudent capital standards across Regulation deployment in businesses Return on or
Slide 21: Thank You
THANK YOU
Jio Financial Services — Q1 FY26 Earnings Presentation on 6ix