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Jio Financial Services Limited (JIOFIN) investor relations material

Jio Financial Services Limited Q2 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 25/26 earnings summary16 Oct, 2025

Executive summary

  • Consolidated total income for Q2 FY26 rose 44% year-over-year to INR 1,002 crores, with strong performance across all business segments and H1 FY26 income at INR 1,622 crores, up 46% year-over-year.

  • Net income from core business operations surpassed treasury income for the first time, marking a key inflection point in business maturity.

  • Net profit for Q2 FY26 was INR 695 crores, up from INR 324.66 crores in Q1 FY26 and INR 689 crores in Q2 FY25.

  • Expanded product suite and digital footprint, reaching a unique user base of 18 million across platforms.

  • Strategic partnerships and JVs, including with BlackRock and Allianz, are accelerating growth in asset management and insurance.

Financial highlights

  • Consolidated profit after tax for Q2 FY26: INR 695 crores, compared to INR 689 crores in Q2 FY25 and INR 325 crores in Q1 FY26.

  • Pre-provision operating profit (PPOP) at INR 579 crores, up 5% year-over-year.

  • NBFC AUM at INR 14,712 crores as of 09/30/2025, up 12x year-over-year; quarterly disbursements at INR 6,624 crores.

  • Asset management JV AUM at INR 15,980 crores within four months of launch; nine funds introduced, including an AI-driven equity fund.

  • Payment solutions transaction processing volume up 167% year-over-year to INR 13,566 crores; payment bank transaction throughput up 15x sequentially.

Outlook and guidance

  • Focused on scaling operations, product launches, and distribution expansion to democratize access to finance.

  • Robust pipeline of fund launches and expansion in asset management, insurance, and broking businesses.

  • Continued investment in technology, AI-driven operations, and customer-centric innovation.

  • Go-to-market strategies under formulation for new insurance and broking ventures.

  • Expansion into reinsurance and insurance businesses through a new joint venture with Allianz, with regulatory approvals pending.

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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.

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