Slide 1: Exchange filing cover letter for analyst presentation
January 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: Q3 FY26 Earnings Presentation
Q3 FY26 Earnings Presentation January 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: Scaling-Up with momentum
Scaling-Up with momentum Rs. 19,049Cr (+354% YoY) Jio Credit Limited NBFC AUM • Gross disbursements of Rs. 8,615Cr (+107% YoY; +30% QoQ) JioBlackRock Asset Management Private Limited Rs. 14,972Cr across AUM • Launched 10 funds across cash, debt and equity within 6 months of launch across 10 funds •
Slide 5: Comprehensive solutions for an aspirational India
Comprehensive solutions for an aspirational India INVEST BORROW Digital-first, world-class investment solutions Suite of retail and corporate lending products JVs with BlackRock Jio Credit Limited (JCL) Asset management 20mn+ Wealth management Unique users across all digital Securities broking prope
Slide 6: Products: Diversified, trusted, smart
Products: Diversified, trusted, smart Invest Borrow • Mutual Funds • Home Loan • Savings Pro • Loan against Property • Jio Gold* • Loan against ETFs • Finances – wealth • Loan against Mutual tracking dashboard Funds (LAMF) • Loan against Shares (LAS) Transact Protect • Tax Filing & Planning* • Life
Slide 7: Distribution: Covering 19K+ PIN codes of India
Distribution: Covering 19K+ PIN codes of India Digital Physical JioFinance & MyJio: Primary source of JPBL: Built network of ~287,000 Business customer acquisition with 9.2mn quarterly Correspondents (BC)** vs. 7,263 in Q3 FY25 MAU JCL: Expanded physical footprint to 16 cities JPSL: Launched transac
Slide 8: AI, Data & Tech: Driving financial empowerment
AI, Data & Tech: Driving financial empowerment Jio Credit Limited Jio Payments Bank Limited Video & Cloud Tele solutions for Collections AI-driven Email Automation for customer queries targeting a “zero feet-on-street” model Video Personal Discussion for Credit assessment significantly reducing cust
Slide 9: People: Augmenting Human Potential for Impact
People: Augmenting Human Potential for Impact Jio FinX Built a young and dynamic team of 1,900+ agile minds with diverse backgrounds AI-driven, cross-functional teams focused on targeted customer outcomes Cultural DNA of Execution Excellence, Ownership and Digital Mindset Our in-house innovation exp
Slide 10: Lending (1/2)
Lending (1/2) Jio Credit Limited Product Portfolio & Distribution Home Loan (HL) & Loan Against Property Loan Against Mutual Funds, Shares & ETFs Corporate Loans (including SME & MSME) Sourcing through app, website, group Sourcing through app, website, wealth Direct sourcing, channel partners and ec
Slide 11: Lending (2/2)
Lending (2/2) Statement of Profit and Loss Particulars (in Rs. crore) Q3 FY25 Q2 FY26 Q3 FY26 Interest income 64 299 400 Finance cost1 2 159 235 Net Interest Income 62 140 165 Rs. 5,093 Cr Fees and commission income 0 2 7 Total Shareholders’ Equity Net gain on fair value changes 15 0 0 as of Decembe
Slide 12: Payments (1/3)
Payments (1/3) Jio Payments Bank Limited Target Customer and Value Proposition Urban Rural Secondary account to declutter the primary account and Primary bank account to serve core banking requirements provide access to broader financial services through assisted digital channel Products and Service
Slide 13: Payments (2/3)
Payments (2/3) Q3 FY26 Highlights Total Income^ (Rs. Cr) CASA Customers (mn) Deposits* (Rs. Cr) BC Network** 103% 9% 44% 3.20 20% 507 286,766 61 2.95 421 199,193 30 1.89 261 6 7,263 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 Q3 FY25 Q2 FY26 Q3 FY26 • Transaction throughp
Slide 14: Payments (3/3)
Payments (3/3) Jio Payment Solutions Limited Transaction Processing Gross Fees and Commission • Onboarded clients across e-commerce, quick Volume (Rs. Cr) Income (Rs. Cr) commerce, travel, utilities, BFSI and government 20% 26% • Launched POS terminals for in-store card and UPI 16,315 96 payments 13
Slide 15: Investments
Investments JioBlackRock Asset Management Private Limited • Robust retail engagement in Flexi Cap fund; AUM up 70% since NFO AUM of Rs 14,972Cr across 10 funds • NFO for an Arbitrage fund launched in December 2025 raised Rs. 213Cr Q1 FY26 • 3 Debt funds • Launched JioBLK Profolios – curated model po
Slide 16: Insurance
Insurance Jio Insurance Broking Limited JVs with Allianz Group • Digital POSP channel premium up ~5x QoQ; customer base across 21 states Regulatory approvals for the • Scaled D2C offerings across motor, health and life with Reinsurance business in progress 73 plans • Strengthened institutional clien
Slide 17: Financial Overview
FINANCIAL OVERVIEW veces
Slide 18: Group Structure
Group Structure JFSL is a publicly-listed entity (CIC) Jio Financial Services Ltd (JFSL) and acts as the holding company for the group 100% 100% 100% 100% 100% 100% 100% Reliance Industrial Jio Insurance Jio Payment Jio Payments Bank Jio Finance Platform Jio Credit Limited Investments and Jio Leasin
Slide 19: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 FY25 Interest income 210 392 504 577 1,259 853 Fees and commission income 37 140 182 116 376 155 Net gain on fair value changes 191 180 215 616 591 794 Other Income 11 21 - 11 28 36 Total I
Slide 20: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 FY25 Interest income 16 7 33 75 78 117 Fees and commission - 0 0 4 0 6 Net gain on fair value changes 121 107 126 340 330 447 Other Income 11 20 0 11 20 34 Total Income 148 135 159 430 428 60
Slide 21: 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 22: Thank You
THANK YOU
Slide 23: Contact Us
Contact Us Mr. Dipak Daga Mr. Rishabh Rathod Chief Investor Relations Officer Investor Relations Email: investor.relations@jfs.in Website: www.jfs.in