Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Q1 FY27 Earnings Presentation
28 slides from Jio Financial Services's earnings presentation, Jul 16, 2026
Slide 1: Exchange filing cover letter
July 16, 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 anal
Slide 2: Q1 FY27 Earnings Presentation
Q1 FY27 Earnings Presentation July 16, 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: Accelerated growth across all businesses
Accelerated growth across all businesses NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr in Rs. Cr in Rs. Cr 2.6x 30,667 1.7x 617 2.5x 19,208 25,622 544 14,626 358 7,719 11,665 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Insurance Premium Facilita
Slide 5: Sustainable momentum in operating profitability
Sustainable momentum in operating profitability Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) Consolidated PBT (ex-dividend) in Rs. Cr in Rs. Cr in Rs. Cr 141% 1,496 38% 505 18% 461 1,020 366 390 327 339 619 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26** Q1 FY27
Slide 6: Strategic milestones: Execution excellence
Strategic milestones: Execution excellence NBFC maintained strong organic growth, with quarterly disbursement exceeding Rs. 11,000 Cr Payments Bank commenced FASTag ANPR-based MLFF toll processing operations Payment Solutions launched cross-border collection services enabling Indian exporters to acc
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: 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 9: Distribution: Deepening omni-channel delivery network
Distribution: Deepening omni-channel delivery network JioFinance, MyJio & Web Portals: Primary customer acquisition channel JCL expands footprint in 18 cities with 25 offices JioBlackRock AMC partners with 800+ distributors for SIF JPBL widens Business Correspondents (BC)* network to 527,000+ vs. 50
Slide 10: Data, Tech & AI: Powering Intelligent Financial Services
Data, Tech & AI: Powering Intelligent Financial Services 56% 76% 40-60% 3x+ Customer Customer conversion via AI/ML-led Lower TAT for credit Faster Merchant API integration Growth in JIBL customer Experience hyper-personalisation on the app assessment using Video PD* by JPSL’s AI developer assistant
Slide 11: Jio Credit Limited (1/3)
Layer 1 Jio Credit Limited (1/3) Gross Assets Under Management AUM Mix* in Rs. Cr 163% 30,667 25,622 Mortgages (HL + LAP) 11,665 44.2% 45.4% Loan Against Securities (Retail) Corporates and SMEs^ Q1 FY26 Q1 FY27 Q4 FY26 10.4% Disbursements in Rs. Cr Mortgage Loans: Average Ticket Size of Rs. 1.3 Cr w
Slide 12: Jio Credit Limited (2/3)
Layer 1 Jio Credit Limited (2/3) Borrowings Borrowing Mix* Debt/Equity in Rs. Cr 227% 28,120 3.9x 4% 11% 21,768 3.0x 20% 1.7x 8,603 65% Q1 FY26 Q1 FY27 Q4 FY26 CP NCD Bank Loans ICD & B-TREPS Q1 FY26 Q1 FY27 Q4 FY26 7.07% Rs. 1,500 Cr 22.35% Average cost of borrowing continues to NCDs issued in June
Slide 13: Jio Credit Limited (3/3)
Layer 1 Jio Credit Limited (3/3) Net Interest Income Pre-Provision Operating Profit Profit After Tax in Rs. Cr in Rs. Cr in Rs. Cr 118% 257 128% 154 113% 96 202 120 70 118 67 45 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Robust profitability driven by strong AUM growth a
Slide 14: Jio Payments Bank Limited
Layer 1 Jio Payments Bank Limited Total Income* CASA Customers Customer Deposits** BC Network^ in Rs. Cr mn in Rs. Cr 7.7x 83 87 51% 3.9 3.7 72% 617 10.5x 527,037 544 378,568 2.6 358 11 50,192 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Rs. 1,540 (
Slide 15: Jio Payment Solutions Limited (1/2)
Layer 1 Jio Payment Solutions Limited (1/2) Total Payment Value Gross Fee & Commission Income Net Fee & Commission Income* in Rs. Cr in Rs. Cr in Rs. Cr 6.4x 176 3.4x 24 2.5x 19,208 17 14,626 84 7,719 7 27 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 12bps +15x YoY +2.1x Y
Slide 16: Jio Payment Solutions Limited (2/2)
Layer 1 Jio Payment Solutions Limited (2/2) Holistic Strategic Business Target Merchants Profile Lean Cost Structure Payment Suite Outcome High Ticket Size Online Payments Variable Cost-led Economics Focus on high order-value For Enterprises and SMBs Volume-linked cost model with merchants low overh
Slide 17: Joint Ventures with BlackRock
Layer 1 Joint Ventures with BlackRock Asset Management Closing AUM Quarterly AAUM • NFO for Prism SIF* Hybrid Long-Short fund closed on in Rs. Cr in Rs. Cr July 13, 2026, raising Rs. 150 Cr+ 21% 18,412 8% 17,979 • SIF available on digital platforms and via distributors 16,712 15,218 • Liquid Funds A
Slide 18: Joint Ventures with Allianz Group
Layer 1 Joint Ventures with Allianz Group Reinsurance Current Focus • Rs. 266 Cr GWP* during first quarter of operations Scale underwriting pipeline • Secured lead reinsurer status on major treaty programs across prominent private insurers Strengthen portfolio composition • Robust retrocession frame
Slide 19: Jio Insurance Broking Limited
Layer 2 Jio Insurance Broking Limited Total Premium Facilitated* Premium Facilitated Mix Total Fee and Commission Income* in Rs. Cr in Rs. Cr 273 131% 61 55% 238 29% 46 50% Q1 FY26 50% 154 26 71% Q1 FY27 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Retail Corporate Digital POSP Direct-to-Customer
Slide 20: JioFinance: An Expansive Unified Marketplace
Layer 3 JioFinance: An Expansive Unified Marketplace NEURAL AGENTIC MARKETPLACE 16 AI Agents, 10 ML models for Intuitive human-centric Seamless access to own hyper-personalised insights workflows in 7 languages and third-party products SUITE OF THIRD-PARTY PRODUCTS Hyper-Personalisation in Action Li
Slide 21: Financial Overview
Financial Overview pitt:
Slide 22: 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 23: 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
Slide 24: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q1 FY26 Q4 FY26 Q1 FY27 % YoY % QoQ Interest income 363 643 962 165% 50% Fees and commission income 54 221 325 506% 47% Net gain on fair value changes 196 155 210 7% 36% Other Income 7 1 0 -99% -94% Total Income 619 1,020 1,496 1
Slide 25: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q1 FY26 Q4 FY26 Q1 FY27 % YoY % QoQ Interest income 38 39 105 181% 170% Fees and commission - 5 4 NM -23% Net gain on fair value changes 97 91 110 14% 21% Other Income - 0 - NM NM Total Income 134 135 219 63% 62% Staff Expenses 18
Slide 26: Statement of Profit and Loss - Jio Credit Limited
Statement of Profit and Loss - Jio Credit Limited Particulars (in Rs. crore) Q1 FY26 Q4 FY26 Q1 FY27 % YoY % QoQ Interest income 251 519 683 172% 31% Finance cost1 133 317 425 220% 34% Net Interest Income 118 202 257 118% 27% Fees and commission income 0 14 14 3,613% 3% Net gain on fair value change
Slide 27: Thank you
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Slide 28: 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
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