Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Q4 FY26 and FY26 Earnings Presentation
29 slides from Jio Financial Services's earnings presentation, Apr 17, 2026
Slide 1: Exchange filing cover letter for analyst presentation
April 17, 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 ana
Slide 2: Q4 FY26 and FY26 Earnings Presentation
Q4 FY26 and FY26 Earnings Presentation April 17, 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: Strong growth momentum across all segments
Strong growth momentum across all segments… NBFC AUM# (Rs. Cr) Payments Bank Deposits* (Rs. Cr) Payment Solutions TPV** (Rs. Cr) 149x 6.2x 544 4.1x 25,711 52,226 295 10,053 21,404 12,660 88 173 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Insurance Premium Facilitated (Rs. Cr) AMC Closing AUM^ (Rs.
Slide 5: With several key achievements
… with several key achievements… Unveiled an Intelligent Finance Marketplace: AI-native, conversational with N=1 hyper-personalization; 1.7mn downloads since launch* Jio Credit Limited (JCL): Quarterly disbursements increased 49% YoY to Rs. 10,629Cr; completely organic JioBlackRock Asset Management
Slide 6: Reflecting in our robust financial performance
… reflecting in our robust financial performance Consolidated Total Income (ex-dividend) (Rs. Cr) Consolidated PPOP (ex-dividend) (Rs. Cr) 78% -13% 3,274 97% 1,020 1,353 1,357 374 901 327 354 1,838 518 FY25 FY26 Q4 FY25 Q4 FY26 Q3 FY26 FY25 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Net Income form Business Opera
Slide 7: A robust 360-degree platform
A robust 360-degree platform… 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 Limited
Slide 8: Offering in-house & curated third-party products
… offering in-house & curated third-party products… Layer 3: The Core Pivot Proactive hyper-personalization of N=1 hyper-personalized Customer-first approach AI-Native & Conversational interface relevant offerings to customers Layer 2: Marketplace Aggregation Products: Fixed Deposits, Jio Gold, Tax
Slide 9: For all the financial needs of Bharat
… for all the financial needs of Bharat Digital Reach Physical Footprint JioFinance & MyJio 24 offices of JCL in Primary source of customer 18 cities acquisition JPBL’s 378,000+ Business Web Portals with Correspondents (BC)** intuitive UI/UX for all businesses JIBL’s PoSP* agent network in 22 states
Slide 10: Leveraging our formidable right-to-win
Leveraging our formidable right-to-win… Jio Insurance Broking Limited Jio Credit Limited Single-window digital onboarding for Industry-leading turnaround times agents, segmented retail journeys, & through digitization and automation advisory-driven institutional solutions Jio Payments Bank Limited J
Slide 11: Lending (1/2)
Layer 1 Lending (1/2) Jio Credit AUM# (Rs. Cr) Disbursements (Rs. Cr) Borrowings (Rs. Cr) 156% 25,711 49% 10,629 5,970 21,768 16,192 8,615 1% 9% 19,049 7,112 34% 72% 63% 10,053 50% 19% 19% 16% 9% 9% Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4FY25 Q4 FY26 Q3 FY26 AUM Mix (Q4 FY26) CP* NCD** Ba
Slide 12: Lending (2/2)
Layer 1 Lending (2/2) Statement of Profit and Loss Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 119 400 519 255 1,469 1 Finance cost 38 235 317 40 844 Net Interest Income 81 165 202 215 625 Rs. 7,163 Cr Fees and commission income 0 7 14 0 24 Total Shareholders’ Equity
Slide 13: Payments (1/2)
Layer 1 Payments (1/2) Jio Payments Bank Total Income^ (Rs. Cr) CASA Customers (mn) Deposits* (Rs. Cr) BC Network** 11x 61% 19x 378,568 87 3.7 84% 3.2 544 507 286,766 61 2.3 295 8 19,998 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Rs. 1,439 (+20% Y
Slide 14: Payments (2/2)
Layer 1 Payments (2/2) Jio Payment Solutions Limited Total Payment Value (Rs. ‘000 Cr) Gross Fee and Commission Net Fee & Commission (Rs. Cr) Income (Rs. Cr) 96 426% 17 145% 16 378% 16 15 84 6 18 3 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 12bps +15x YoY +2x YoY Net Pro
Slide 15: Investments
Layer 1 Investments JioBlackRock Asset Management Closing AUM (Rs. Cr) Quarterly AAUM (Rs. Cr) • Launched funds in 4 additional categories: Short Duration, Low Duration, Thematic and Large Cap* 2% 21% 15,218 16,712 • Enabled instant redemption from Overnight & Liquid funds ^ 14,972 13,757 • 6 JioBLK
Slide 16: Insurance
Layer 2 Layer 1 Insurance Jio Insurance Broking Digital POSP Channel Premium Facilitated* (Rs. Cr) Total Fee & Commission • Premium facilitated increased ~80% QoQ 15% Income* (Rs. Cr) • Rs 100Cr+ premium facilitated in first year 273 238 124% • Launched industry’s first commercial vehicle portal 212
Slide 17: NAM: Pioneering Intelligent Financial Services
Layer 3 NAM: Pioneering Intelligent Financial Services NEURAL AGENTIC MARKETPLACE Smart Decisions Intuitive UX Curated Portfolio Advanced AI/ ML model Reducing customer cognitive Proprietary & third-party driving customer choices overload financial products Personalised advisory Guided journeys Full
Slide 18: The Marketplace Advantage: Re-defining Distribution
The Marketplace Advantage: Re-defining Distribution For the Customer For the Supplier Hyper-personalized advisory with Access to intent-qualified leads customer-first philosophy reducing identified by ecosystem behavioral cognitive overload analytics Will leverage JioScore* – proprietary Seamless in
Slide 19: One-stop shop for all financial needs
One-stop shop for all financial needs THIRD PARTY PRODUCTS UPCOMING FEATURES Life & General Insurance • Eliminating high intermediary commissions; delivering 82 plans from 21 insurers direct cost-savings to customers Fixed Deposits • Incentivizing marketplace purchases with assured value- 6 partner
Slide 20: Robust ecosystem built for enterprise-wide intelligence
Robust ecosystem built for enterprise-wide intelligence Data & AI for Impact AI-voice & chat bots, • JCL: 100% bot-driven inbound call handling Customer Quicker TAT, higher DIY customer servicing • AI bots resolving 88% customer queries at JIBL and Experience engagement & CSAT modules 57% customer e
Slide 21: Financial Overview
FINANCIAL OVERVIEW veces
Slide 22: 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 23: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 276 504 643 853 1,902 Fees and commission income 39 182 221 155 597 Net gain on fair value changes 178 215 155 794 745 Other Income 25 0 1 36 29 Total Income 518 901 1,020 1,838 3
Slide 24: Balance Sheet - Consolidated
Balance Sheet - Consolidated Particulars (in Rs. crore) As on Mar 31, 2025 As on Mar 31, 2026 Assets Cash & Bank Balances 4,072 3,598 Investments 1,18,910 1,33,089 Loans 10,053 25,711 Other assets 475 1,099 Total assets 1,33,510 1,63,497 Liabilities Net worth 1,23,497 133,854 Equity share capital 6,
Slide 25: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 42 33 39 117 117 Fees and commission 3 - 5 6 5 Net gain on fair value changes 107 126 91 447 421 Other Income 23 - 0 34 20 Total Income 175 159 135 604 563 Staff Expenses 18 19 21 8
Slide 26: Balance Sheet – Standalone
Balance Sheet – Standalone Particulars (in Rs. crore) As on Mar 31, 2025 As on Mar 31, 2026 Assets Cash & Bank Balances 558 1,028 Investments 22,706 28,095 Loans 1,748 224 Other assets 84 90 Total assets 25,096 29,436 Liabilities Net worth 24,985 29,305 Equity share capital 6,353 6,353 Other Equity
Slide 27: 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 Building human-centric, Robust risk, compliance engineering; Prudent, by a robust data layer for AI-driven teams for and governance r
Slide 28: Thank You
THANK YOU
Slide 29: 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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