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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.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, driven by strong performance across all business verticals.
Net income from core business operations grew nearly 5x year-over-year to INR 317 crores, now representing 52% of consolidated net total income and surpassing treasury income for the first time.
Pre-provision operating profit (PPOP) increased 5% year-over-year in Q2 FY26.
Strategic expansion through product launches, digital and physical distribution, and partnerships, including the full consolidation of Jio Payments Bank and new JVs in insurance and asset management.
Strong execution momentum across lending, investment, payments, and insurance segments.
Financial highlights
Q2 FY26 profit after tax was INR 695 crores, up from INR 689 crores in Q2 FY25; consolidated net worth stood at INR 1.35 lakh crore as of September 30, 2025, with total assets of INR 1.52 lakh crore.
Interest income increased to INR 392 crores in Q2 FY26 from INR 205 crores in Q2 FY25, reflecting NBFC loan book growth and treasury operations.
Fees and commission income surged 3.4x year-over-year to INR 140 crores, driven by payment solutions and insurance broking.
NBFC AUM surged to INR 14,712 crores from INR 1,206 crores in Q2 FY25; quarterly disbursements reached INR 6,624 crores.
Received first tranche of INR 3,956 crores from promoters for preferential warrants, strengthening capital base.
Outlook and guidance
Plans to expand third-party products and services on the digital platform, with a robust pipeline of fund launches and insurance offerings, subject to regulatory approvals.
Focus on intelligent personalization, AI-driven operations, and omnichannel distribution to drive future growth.
Go-to-market strategies under formulation for new insurance and broking ventures.
Given the inflection point, what's the future income mix target?
Detail the impact of AI on future product development
How will omnichannel reach drive user acquisition?
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Next Jio Financial Services Limited earnings date
Q3 25/2616 Jan, 2026
Next Jio Financial Services Limited earnings date
Q3 25/2616 Jan, 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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