Jio Financial Services
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Jio Financial Services (JIOFIN) investor relations material

Jio Financial Services Q2 26/27 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 26/27 earnings summary15 Oct, 2026

Executive summary

  • Q2 FY27 income excluding dividend rose 132% YoY to INR 1,699 crore; ex-dividend PPOP increased 85% to INR 574 crore and ex-dividend PBT rose 51% to INR 489 crore.

  • Lending, payments, investing and insurance expanded through digital distribution, AI-led operations and partnerships; digital properties reached 3.2 crore unique users and channels covered 19,000+ PIN codes.

  • Consolidated shareholders’ equity was INR 1.3 lakh crore as of September 30, 2026, supporting growth-stage and nascent businesses.

Financial highlights

  • Q2 consolidated income excluding dividend increased 132% YoY and 14% QoQ to INR 1,699 crore; H1 rose 136% YoY to INR 3,195 crore.

  • Q2 PPOP was INR 574 crore, up 85% YoY; H1 PPOP reached INR 1,079 crore, up 60% YoY.

  • Q2 ex-dividend PBT was INR 489.46 crore, up 51% YoY; reported PAT was INR 340.44 crore. H1 reported PAT was INR 1,170.69 crore, up 15% YoY.

  • H1 reported revenue from operations was INR 3,703.75 crore and PBT was INR 1,459.14 crore; ex-dividend PBT was INR 951 crore, up 33% YoY.

  • Q2 interest income grew 221% YoY to INR 1,258 crore and fee and commission income nearly doubled to INR 277 crore; total expenses rose 166% to INR 1,125 crore.

Outlook and guidance

  • JioBlackRock’s GIFT City entity planned to launch the Advantage World Equity Fund (IFSC) in Q3 FY27, subject to the regulatory process.

  • JioFinance+ launched for a closed user group in October 2026; JioFinance360 was slated for launch shortly.

  • Jio Allianz General Insurance was in advanced regulatory approvals; a proposed Life Insurance JV remained under a non-binding agreement.

  • Investment plans include incubating early-stage ventures and providing support capital to businesses scaling their operations.

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Q3 26/2714 Jan, 2027
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Frequently asked questions

Jio Financial Services Limited, formerly known as Reliance Strategic Investments Limited, is an Indian financial services company. The company operates as a non-banking financial company and provides a range of financial services including payment services and insurance broking. Its services cater to crucial customer groups in urban, semi-urban, and rural areas of India. The company also operates Jio Payments Bank, a registered payments bank in India. Jio Financial Services became an independent entity from Reliance Industries and was listed on the Indian stock exchanges in August 2023. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the NSE and BSE.