JIOFIN

April 17, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Plot No. C/1, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, Sub: Presentation to analysts on Audited Financial Results (Consolidated and Standalone) for the quarter and year ended March 31, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the presentation on the Audited Financial Results (Consolidated and Standalone) for the quarter and year ended March 31, 2026, to be made to the analysts today, is attached and also available on the website of the Company at https://www.jfs.in/financials/?doc=quarterly-results. This is for information and records. Thanking you, Yours faithfully, For Jio Financial Services Limited Mohana V Group Company Secretary and Compliance Officer Encl: a/a Jio Financial Services Limited Regd. Office: 1st Floor, Building 4NA, Maker Maxity, Bandra Kurla Complex, Bandra (East), Mumbai - 400051. Phone: +91-22-3555 4094. Website: www.jfs.in . Email: investor.relations@jfs.in CIN: L65990MH1999PLC120918 Q4 FY26 and FY26 Earnings Presentation April 17, 2026 Jio Financial Services Limited Safe Harbor This presentation contains forward-looking statements which may be identified by their use of words like “plans,” “expects,” “will,” “anticipates,” “believes,” “intends,” “projects,” “estimates” or other words of similar meaning.Allstatementsthataddressexpectationsorprojectionsaboutthefuture,including,butnotlimitedto, statements about the strategy for growth, product development, market position, expenditures, and financial results,areforward-lookingstatements. Forward-looking statements are based on certain assumptions and expectations of future events. The companies referred to in this presentation cannot guarantee that these assumptions and expectations are accurateorwillberealized.Theactualresults,performanceorachievements,couldthusdiffermateriallyfrom thoseprojectedinanysuchforward-lookingstatements.Thesecompaniesassumenoresponsibilitytopublicly amend, modify or revise any forward looking statements, on the basis of any subsequent developments, informationorevents,orotherwise. 2 Strong growth momentum across all segments… NBFC AUM# (Rs. Cr) Payments Bank Deposits* (Rs. Cr) Payment Solutions TPV** (Rs. Cr) 6.2x 4.1x 149x 544 25,711 52,226 295 10,053 21,404 12,660 88 173 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Insurance Premium Facilitated (Rs. Cr) AMC Closing AUM^ (Rs. Cr) Unique users across all digital properties (mn) 8% 982 15,218 23 911 895 9 0 0 0 FY24 FY25 FY26 FY24^ FY25^ FY26 Mar-24^^ Mar-25 Mar-26 #Net of ECL provisions *Includes Current Account, Savings Account and Wallets, **Total Payment Value, ^ Launched in June 2025, ^^JioFinanceapp was launched on 3 May 30, 2024 … with several key achievements… Unveiled an Intelligent Finance Marketplace: AI-native, conversational with N=1 hyper-personalization; 1.7mn downloads since launch* Jio Credit Limited (JCL): Quarterly disbursements increased 49% YoY to Rs. 10,629Cr; completely organic JioBlackRockAsset Management (JBAMPL): Received in-principle approval to setup a retail Fund Management Entity in GIFT City Jio Payments Bank (JPBL): Launched UPI-based cash withdrawal services Jio Payment Solutions (JPSL): Received Payment Aggregator-Cross Border license from RBI to settle global payments Joint ventures (JV) with Allianz Group: Reinsurance JV received regulatory approval in March 2026 4 *as of April 15, 2026 … reflecting in our robust financial performance Consolidated Total Income (ex-dividend) (Rs. Cr) Consolidated PPOP (ex-dividend) (Rs. Cr) -13% 78% 3,274 97% 1,020 1,353 1,357 374 354 901 327 1,838 518 FY25 FY26 Q4 FY25 Q4 FY26 Q3 FY26 FY25 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Net Income form Business Operations* represents income generated from core financial services operations - Up 272% YoY in FY26 to Rs. 1,390Cr (represents 54% of Consolidated Net Total Income^ vs. 20% in FY25) PPOP impacted by: • Consolidation of JPBL’s operating loss as a 100% subsidiary w.e.f. June 18, 2025, which was earlier accounted for in Share of Profit from JVs & Associates • Continued investments in scaling growth companies and incubating businesses in nascent stages • Geopolitics-led volatility impacted treasury income on a higher capital base Board recommended a dividend of Rs. 0.60/ share for FY26 *includes (a) Net interest income and fee & commission income from NBFC, (b) Gross fee & commission income from Payment solutions, (c) Gross fees & commission income from Insurance Broking, (d) Net interest income and gross fee & commission income from Payments Bank (e) Fee & commissionincome from Asset Management Company (f) Fee & commission income from sale of digital gold; ^Consolidated Net Total Income is Total Consolidated Income less finance cost on external borrowings 5 and deposits and dividend income and includes total income from Asset Management Company and total income of the payments bank A robust 360-degree platform… INVEST BORROW Digital-first, world-class investment solutions Suite of retail and corporate lending products JVs with BlackRock Jio Credit Limited (JCL) Asset management Wealth management Securities broking Jio Insurance Broking Limited (JIBL) Jio Payments Bank Limited (JPBL) JVs with Allianz for Reinsurance, Jio Payment Solutions Limited (JPSL) General and Life* Jio Finance Platform and TRANSACT Services Limited PROTECT Powering seamless digital payments for (JFPSL) Insurance for individuals and institutions individuals and merchants Growth phase Incubation Phase *Signed Non-binding agreement for Life and General Insurance 6 … offering in-house & curated third-party products… Layer 3: The Core Pivot N=1 hyper-personalized Proactive hyper-personalization of Customer-first approach AI-Native & Conversational interface relevant offerings to customers Layer 2: Marketplace Aggregation Products:Fixed Deposits, Jio Gold, Tax Filing, Credit Cards, Personal Loans, Life and General Insurance Growing third-party offerings driven by demand and risk appetite Layer 1: Proprietary Suite of Products Borrow Invest Transact Protect Continued acceleration of our own HL, LAP, LAMF, LAS, AMC, WMC, Tap & Pay^, UPI, CASA, Reinsurance, General* LAETF Savings Pro, Broking* Biometric Payments and Life Insurance* comprehensive product suite 7 *to be launched, ^launched in partnership with Mastercard for a closed-user group … for all the financial needs of Bharat Digital Reach Physical Footprint 24 offices of JCL in JioFinance & MyJio Primary source of customer 18 cities acquisition JPBL’s 378,000+ Business Web Portals with Correspondents (BC)** intuitive UI/UX for all businesses JIBL’s PoSP* agent network in 22 states & 2 UTs External Fintech Platforms for JioBlackRock JPSL’s merchant network AMC & JCL products across 26 states Customers across 19,000+ PIN codes of India 8 * PoSP-Point of Sales Person, ** Business Correspondent includes owned and corporate BC touchpoints Leveraging our formidable right-to-win… Jio Insurance Broking Limited Jio Credit Limited Single-window digital onboarding for Industry-leading turnaround times agents, segmented retail journeys, & through digitization and automation advisory-driven institutional solutions Jio Payments Bank Limited JioBlackRockAMC Innovative products redefining the Affordable, accessible, institutional- banking paradigm for urban quality investment solutions & rural India Jio Payment Solutions Limited Reliable revenue collection partner providing on-time settlement … to deliver best-in-class, seamless experiences to our customers 9 Lending (1/2) Layer 1 Jio Credit AUM# (Rs. Cr) Disbursements (Rs. Cr) Borrowings (Rs. Cr) 156% 25,711 49% 5,970 21,768 16,192 10,629 8,615 1% 9% 19,049 7,112 34% 72% 63% 10,053 50% 19% 19% 16% 9% 9% Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4FY25 Q4 FY26 Q3 FY26 AUM Mix (Q4 FY26) CP* NCD** Bank Loans^ ICD & B-TREPS^^ 45% 11% 44% • Quarterly AUM growth driven entirely by organic originations Mortgages (HL, LAP) • Average Cost of Borrowing stood at 7.00% (vs. 6.99% in Q3 FY26) amidst rising yields Loan against Securities • Strategically expanding mortgage and other offerings to broader credit segments Corporate Loans Continue to scale the loan book through product diversification and deepening presence in key markets 10 # Net of ECL Provisions, *Commercial Papers; ** Non-Convertible Debentures, ^includes WCDL and Term Loans, Inter-Corporate Deposits and Tri-party Repo Rate Lending (2/2) Layer 1 Statement of Profit and Loss Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 119 400 519 255 1,469 Finance cost1 38 235 317 40 844 Net Interest Income 81 165 202 215 625 Rs. 7,163 Cr Fees and commission income 0 7 14 0 24 Total Shareholders’ Equity Net gain on fair value changes 8 0 2 101 2 as of March 31, 2026 Other Income 2 0 1 2 2 Net Total Income 90 172 218 319 652 25.91% Staff Expenses 26 49 68 83 187 Capital Adequacy Ratio Other Operating Expenses 17 24 30 50 99 Total Expenses 43 74 98 134 286 Pre-provisioning operating profit 47 99 120 185 366 3.04x Provisions 24 19 27 40 66 Debt/Equity Ratio Profit before tax 24 80 93 145 300 Provision for taxation 6 21 23 37 76 Profit after tax 18 59 70 108 224 11 1Finance cost paid on internal and external borrowings Payments (1/2) Layer 1 Jio Payments Bank Total Income^ (Rs. Cr) CASA Customers (mn) Deposits*(Rs. Cr) BC Network** 19x 11x 61% 378,568 87 3.7 84% 3.2 544 507 286,766 61 2.3 295 8 19,998 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Rs. 1,439 (+20% YoY) +66% QoQ 18 Toll Plazas Average balance per customer in Increase in transaction banking Operational across 8 states Q4 FY26 throughput Increasing customer stickiness, diversifying fee income from BC throughput & toll processing for sustainable profit growth ^Total Income comprises Net Interest Income and Gross Fees and Commission Income; *Includes Current Account, Savings Account andWallets; **includes owned and 12 corporate BC touchpoints Payments (2/2) Layer 1 Jio Payment Solutions Limited Total Payment Value (Rs. ‘000 Cr) Gross Fee and Commission Net Fee & Commission (Rs. Cr) Income (Rs. Cr) 426% 96 17 145% 16 378% 16 15 84 6 18 3 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 12bps +15x YoY +2x YoY Net Processing Margin in Q4 FY26 vs. Growth in TPV from merchants outside Increase in Net Fee and Commission/ 6bps in Q4 FY25 and 10bps in Q3 FY26 ecosystem in FY26 employee in FY26 Focus on scaling enterprise, SMB & cross-border segments for profitable growth 13 Investments Layer 1 JioBlackRockAsset Management Closing AUM (Rs. Cr) Quarterly AAUM (Rs. Cr) • Launched funds in 4 additional categories: Short Duration, Low Duration, Thematic and Large Cap* 2% 21% 16,712 15,218 • Enabled instant redemption^ from Overnight & Liquid funds 14,972 13,757 • 6 JioBLK ProFolioslive • Received NOC from SEBI to launch SIF** • Awaiting final approval from IFSCA to set up retail Fund Management Entity in GIFT City; all other approvals received Q3 FY26 Q4 FY26 Q3 FY26 Q4 FY26 400+ institutional and 50% of investors with 40%+ Retail AUM coming ~20% of our investors are 1.1mn+ retail investors Active SIPs from B30# cities new to Mutual Funds Diversifying opportunities for investors by introducing ETFs, SIFs and GIFT City funds alongside mutual funds^ Jio BlackRock Investment Advisers Jio BlackRock Broking Personalized investment advice & Starting at Rs. 350/year (minimum Product roadmap and GTM strategy wealth check-up powered by Aladdin® investment of Rs. 10,000)^^ under development 14 BlackRock –BlackRock Advisors Singapore Pte.Ltd. and BlackRock, Inc.; * NFO closed on 7thApril 2026, **Specialized Investment Fund , ^ Rs.50,000 or 90% of investments, #Beyond top 30 cities, Quarterly AAUM –Quarterly Average AUM, ^subject to regulatory approvals, ^^ 0.35% p.a. for assets under advisory > Rs. 1 lac. Layer 2 Insurance Layer 1 Jio Insurance Broking Digital POSP Channel Premium Facilitated* (Rs. Cr) Total Fee & Commission • Premium facilitated increased ~80% QoQ 15% Income* (Rs. Cr) • 273 Rs 100Cr+ premium facilitated in first year 238 124% • Launched industry’s first commercial vehicle portal 212 45 158 Direct-to-Customer Channel 27 • 197 151 20 Optimized digital journeys with higher conversions leading to ~11x YoY growth in premium facilitated 115 41 61 Institutional Channel • Strengthened institutional client base; leveraging Q4 FY25 Q4 FY26 Q3 FY26 Q4 FY25 Q4 FY26 Q3 FY26 Retail Corporate own and group ecosystem Focus on scaling the POSP channel and further enhance DIY journeys Joint Ventures with Allianz Group Non-binding agreement in-place Regulatory approvals received to establish JVs for General and Life for reinsurance Insurance in India 15 *Premium facilitated and Total Fee & Commission Income may not be comparable on a sequential basis due to timing of renewal of high-value corporate policies Layer 3 NAM: Pioneering Intelligent Financial Services N A M EURAL GENTIC ARKETPLACE Smart Decisions Intuitive UX Curated Portfolio Advanced AI/ ML model Reducing customer cognitive Proprietary & third-party driving customer choices overload financial products Personalised advisory Guided journeys Full-stack Offerings Custom-tailored insights and Precision-led advice from Saving, investing, borrowing, recommendations intent to execution insuring and transacting Data-backed intelligence Agent-first design Seamless API Connectivity Robust, multi-source data Human-centric workflows Robust API integration with footprints across all products all partners Rigorous Reliability Extensive testing for guardrails & hallucinations Tailored Recommendations and Dynamic personalization powered by 15+ AI Agents and 6+ ML models 16 Easy discoverability via natural language interface The Marketplace Advantage: Re-defining Distribution For the Customer For the Supplier Hyper-personalized advisory with Access to intent-qualified leads customer-first philosophy reducing identified by ecosystem behavioral cognitive overload analytics Will leverage JioScore* – proprietary Seamless intent-to-action UI/UX from financial fitness index – for sharper advisory to immediate fulfilment risk assessment Comprehensive rewards program Significant reduction in customer earning benefits on every transaction acquisition costs Transforming distribution by delivering integrated value to customers and suppliers 17 *To be launched One-stop shop for all financial needs THIRD PARTY PRODUCTS UPCOMING FEATURES Life & General Insurance • Eliminating high intermediary commissions; delivering 82 plans from 21 insurers direct cost-savings to customers • Fixed Deposits Incentivizing marketplace purchases with assured value- 6 partner banks & NBFCs • Value-back back rewards Membership • Membership and engagement-driven value gain Credit Cards Program 53 variants from 9 banks • Personal Loans A trusted coach for all financial needs: Unbiased advice 4 partner banks & NBFCs with clear call-to-action • JioScore: Customer’s financial health check using a Tax Planning & Filing multidimensional index covering saving, borrowing, Starting at Rs. 24 investment and protection JioGold • Conversational AI journey: Proactive guidance and Invest for as low as Rs. 10 • Personal CFO transparent intelligence ~244,000 users linked 31mn+ JioPoints issued 23mn unique users across 9.3mn Average MAU assets using Account to 1.2mn enrolled all digital properties in Q4 FY26 Aggregator framework customers 18 As of April 15, 2026, unless stated otherwise Robust ecosystem built for enterprise-wide intelligence Data & AI for Impact • AI-voice & chat bots, JCL: 100% bot-driven inbound call handling Customer Quicker TAT, higher • DIY customer servicing AI bots resolving 88% customer queries at JIBL and Experience engagement & CSAT modules 57% customer emails at JPBL • JPBL automated settlements for 44% merchant Higher efficiency from Automation of Business payments and 77% B2B partner payments lower cost-to-serve & complex tech & • Operations Real-time assistance for JCL field personnel using error reduction business workflows Agentic AI • Enhanced risk ML Scorecards & 61% of suspicious activity complaints auto-reported at Risk & Fraud assessment, lower predictive Propensity JPBL; 53% fraud emails automatically dealt with. Management • credit costs models Analyzed 26% AML alerts via AI at JPBL • AI-generated 100% AI-generated digital content Growth & Higher conversion & • campaign creatives, Awarded “Best Use of AI Generated Content” at World Marketing AI-influenced sales personalized banners Marketing Congress Driving a "Data-First" culture to improve financial and operational metrics 19 Group Structure JFSL is a publicly-listed entity (CIC) Jio Financial Services Ltd (JFSL) and acts as the holding company for the group 100% 100% 100% 100% 100% 100% 100% Reliance Industrial Jio Insurance Jio Payment Jio Payments Bank Jio Finance Platform Jio Credit Limited Investments and JioLeasing Services Broking Limited Solutions Limited Limited and Service Limited (JCL)* Holdings Limited Limited (JLSL) (JIBL) (JPSL) (JPBL) (JFPSL) (RIIHL) NBFC Regulated by RBI Insurance Broking entity Payment Aggregator Payments Bank Unregistered CIC Distribution of financial Leasing entity regulated by IRDAI Regulated by RBI Regulated by RBI products and allied services 50% 50% 50% 50% 50% RILIPL JV with Reliance Strategic Jio BlackRock Asset Business Ventures Limited; Allianz Jio Reinsurance Jio BlackRock Trustee Jio BlackRock Investment Management Private Regulated by the IFSCA Limited Private Limited Advisers Private Limited Limited JV for Reinsurance JV for Asset Management; JV for Wealth 100% Regulated by IRDAI Regulated by SEBI Management; Regulated by SEBI 50% Jio BlackRock Broking 50% 50% 50% Private Limited Allianz BlackRock Legend: Ownership JV for Broking; Regulated by SEBI RILIPL -Reliance International Leasing IFSC Private Limited 21 * Formerly known as Jio Finance Limited Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 276 504 643 853 1,902 Fees and commission income 39 182 221 155 597 Net gain on fair value changes 178 215 155 794 745 Other Income 25 0 1 36 29 Total Income 518 901 1,020 1,838 3,274 Finance cost 8 212 298 8 745 Staff Expenses 55 100 129 215 387 Other Operating Expenses 82 235 265 262 784 Total Expenses 145 547 692 484 1,916 Pre provisioning operating profit 374 354 327 1,353 1,357 (-) Provisions 24 19 27 40 66 (+) Dividend income - - - 241 269 (+) Share of Associates & JV 46 36 39 393 323 Profit before exception items 396 371 339 1,947 1,883 Exceptional items - - - - 29 Profit before tax 396 371 339 1,947 1,912 Provision for taxation 80 102 66 334 351 Profit after tax 316 269 272 1,613 1,561 22 Due to rounding-off, the financial figures may not recalculate exactly Balance Sheet - Consolidated Particulars (in Rs. crore) As on Mar 31, 2025 As on Mar 31, 2026 Assets Cash & Bank Balances 4,072 3,598 Investments 1,18,910 1,33,089 Loans 10,053 25,711 Other assets 475 1,099 Total assets 1,33,510 1,63,497 Liabilities Net worth 1,23,497 133,854 Equity share capital 6,353 6,353 Other Equity 1,17,144 127,501 Other Liabilities 10,013 29,643 Total Liabilities 1,33,510 163,497 23 Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Interest income 42 33 39 117 117 Fees and commission 3 - 5 6 5 Net gain on fair value changes 107 126 91 447 421 Other Income 23 - 0 34 20 Total Income 175 159 135 604 563 Staff Expenses 18 19 21 83 81 Other Operating Expenses 30 28 28 96 119 Total Expenses 48 47 49 179 200 Pre provisioning operating profit 127 112 86 425 363 (-) Provisions 1 0 -5 7 -6 (+) Dividend income - - - 235 405 Profit before tax 126 112 91 653 774 Provision for taxation 29 39 11 104 93 Profit after tax 97 73 80 549 681 24 Due to rounding-off, the financial figures may not recalculate exactly Balance Sheet – Standalone Particulars (in Rs. crore) As on Mar 31, 2025 As on Mar 31, 2026 Assets Cash & Bank Balances 558 1,028 Investments 22,706 28,095 Loans 1,748 224 Other assets 84 90 Total assets 25,096 29,436 Liabilities Net worth 24,985 29,305 Equity share capital 6,353 6,353 Other Equity 18,632 22,953 Other Liabilities 111 131 Total Liabilities 25,096 29,436 25 Defining our DNA: The four pillars of long-term value Financial Capital Tech and Data Capital Human Capital Trust Capital Scale-based cost AI-first enterprise powered Building human-centric, Robust risk, compliance engineering; Prudent, by a robust data layer for AI-driven teams for and governance risk-calibrated capital 360o customer view optimal man-machine guardrails allocation collaboration Foundational Principles: 4Rs Reputation | Regulation | Return of Capital | Return on Capital 26 Contact Us Mr. Dipak Daga Mr. Rishabh Rathod Chief Investor Relations Officer Investor Relations Email: investor.relations@jfs.in Website: www.jfs.in