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Jio Financial Services
Jio Financial Services (JIOFIN) investor relations material
Jio Financial Services Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary15 Jan, 2026
Executive summary
Achieved accelerated momentum and significant growth across all business verticals in Q3 FY 2026, with core operations and digital-first strategy driving financial performance and user base expansion to over 20 million.
Launched multiple new products and services, including AI-driven solutions, model portfolios, POS terminals, and expanded digital and physical distribution.
Formed key joint ventures with BlackRock and Allianz, expanding offerings in asset management, insurance, and reinsurance.
Board reviewed and approved consolidated and standalone financial results for the quarter and nine months ended December 31, 2025.
Financial highlights
Consolidated total income for Q3 FY26 was INR 901 crore, up 101% year-on-year and 23% sequentially; nine-month total income reached INR 2,522.91 crore.
Pre-provisioning operating profit (PPOP) at INR 354 crore, up from INR 330 crore year-on-year and INR 309 crore sequentially.
Consolidated profit after tax for the quarter was INR 269 crore, compared to INR 295 crore last year and INR 695 crore in the previous quarter.
Net income from business operations at INR 386 crore, up 320% year-on-year and 22% sequentially, now 55% of total net income.
Total shareholders' equity at INR 1.5 lakh crore as of December 31, 2025.
Outlook and guidance
Focus on expanding digital-first third-party products, scaling omnichannel distribution, and leveraging AI and data for operational efficiency.
Continued investment in high-growth businesses, nurturing nascent ventures, and expanding joint ventures in insurance and reinsurance.
Ongoing monitoring of regulatory changes, especially labor codes, with estimated past service costs recognized.
Jio Credit's organic lending portfolio strategy
Savings Pro account's deposit growth impact
Q3 PAT decline despite business growth reasons?
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Next Jio Financial Services earnings date
Q4 25/2617 Apr, 2026
Jio Financial Services
Next Jio Financial Services earnings date
Q4 25/2617 Apr, 2026
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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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