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Jio Financial Services Ltd

| Q3 2025–2026 Analyst Call Transcript

BULLISH SENTIMENT

Report Source

⬤21st Jan 26

Summary : Jio Financial Services demonstrates strong Q3 FY26 growth across lending, payments, and asset management, reaching an inflection point with significant scale and strategic investments for long-term expansion.

Management Perspective positive : accelerated momentum across our entire portfolio, inherent strength, pleased to report, firmly digital-first, truly at an inflection point

Concall Report Analysis & Insights

Business Overview

  1. Jio Credit AUM grew 4.5x YoY to over Rs. 19,000 crore.
  2. Gross disbursements doubled YoY to Rs. 8,600 crore in Q3 FY26.
  3. JioBlackRock AMC AUM reached Rs. 15,000 crore with 10 funds launched.
  4. Jio Payment Solutions TPV increased 156% YoY to Rs. 16,300 crore.
  5. Jio Payments Bank deposits grew 94% YoY to Rs. 500 crore.

Future Growth Prospects

  1. Expanding digital-first and third-party product repository.
  2. Scaling omni-channel footprint with physical touchpoints.
  3. Nurturing wealth management and insurance ventures for long-term success.
  4. Implementing AI-led initiatives for efficiency and customer experience.
  5. Launching new funds and a Specialized Investment Fund.

Management Insights

  1. Accelerated momentum across our entire portfolio of businesses.
  2. Reached an inflection point where core operations drive financial performance.
  3. Well-capitalized with Rs. 1.5 lakh crore equity for growth investments.
  4. Building for the long term, nurturing newer ventures.
  5. Committed to responsible, inclusive growth with risk guardrails.

Good To Know

  1. Net Income from Business Operations grew 320% YoY to Rs. 386 crore.
  2. Consolidated Total Income doubled YoY to Rs. 900 crore.
  3. Jio Payments Bank financials are now fully consolidated since Q2 FY26.
  4. Total Shareholders' Equity is Rs. 1.5 lakh crore.
  5. Capital Adequacy Ratio for Jio Credit remains robust at 24.39%.

Key Drivers

  1. Strong AUM growth in lending.
  2. Payments business scaling rapidly.
  3. New asset management funds.
  4. Expanding digital and physical reach.
Jio Financial Services Ltd (JIOFIN) Concall Report Analysis & Insights | Dhanarthi