Investor Presentation

October 15, 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 Unaudited Financial Results (Consolidated and Standalone) for the quarter and half year ended September 30, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the presentation on the Unaudited Financial Results (Consolidated and Standalone) for the quarter and half year ended September 30, 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 Registered Address: 1st Floor, Building 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai - 400051, India +91 22 3555 4094 | www.jfs.in | investor.relations@jfs.in | CIN: L65990MH1999PLC120918 Q2 FY27 & H1 FY27 Earnings Presentation October 15, 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 accurateorwillberealised.Theactualresults,performanceorachievements,couldthusdiffermateriallyfrom thoseprojectedinanysuchforward-lookingstatements.Thesecompaniesassumenoresponsibilitytopublicly amend, modify or revise any forward-looking statements, on the basis of any subsequent developments, informationorevents,orotherwise. Robust business growth velocity… NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr in Rs. Cr 53% in Rs. Cr 154% 19,208 37,320 643 617 30,667 14,682 13,566 14,709 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Insurance Premium Facilitated AMC Closing AUM Reinsurance Premium Underwritten^^ in Rs. Cr in Rs. Cr in Rs. Cr 57% 266 22,746 347 346 18,412 238 14,515 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 *Includes Current Account, Savings Account and Wallets, **Total Payment Value, ^^ Allianz Jio Reinsurance Limited commenced operations in March 2026 … leading to sustained operating profitability momentum Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) in Rs. Cr in Rs. Cr 136% 85% 60% 132% 3,195 574 1,079 1,699 505 1,496 1,353 Q2 FY26 Q2 FY27 Q1 FY27 H1 FY26 H1 FY27 Q2 FY26 Q2 FY27 Q1 FY27 H1 FY26 H1 FY27 Consolidated PBT (ex-dividend) Full consolidation of RSHL^ as a 100% step-down subsidiary, in Rs. Cr 33% w.e.f. April 29, 2026 (earlier accounted for under Share of 51% Associates and JVs) 461 715 • NBFC’s PAT increased 140% YoY to Rs. 120 Cr driven by sustained growth in AUM 325 Maintained targeted investments to scale growth-stage and incubate nascent businesses Total Consolidated Shareholders’ Equity of Q2 FY26** Q2 FY27 Q1 FY27 H1 FY26** H1 FY27 Rs. 1.3 lakh Cr as of September 30, 2026 *Pre-Provisioning Operating Profit, ^Reliance Services & Holdings Limited, **Excluding dividend received by Reliance Industrial Investments and Holdings Limited, RSHL and Jio Leasing Services Limited in Q2 FY26 & one-off Exceptional Income of Rs. 29Cr in H1 FY26 Strategic milestones: Accelerating business momentum JioFinance app: Unveiled JioFinance+* (value-back subscription program) and JioFinance360* (a holistic financial assessment and advisory tool); launched JioSilver JioBlackRock Broking: Launched self-directed investing platform, featuring introductory zero- brokerage plan across stocks, ETFs, and IPOs** JioBlackRockAMC: Broadened offerings with JioBlackRock Nifty 50 ETF, JioBlackRock Balanced Advantage Fund, & Prism Hybrid Long-Short SIF Jio Credit: Bank of America (BofA) entered into a joint venture agreement with JFSL to acquire 3.2 Cr up to 49.9% in Jio Credit in August 2026^ Unique users across all digital properties *JioFinance+ launched for closed user group in October 2026, JioFinance360 to be launched shortly, **In October 2026, ^Subject to regulatory and statutory approvals 5 and exercise of warrants, if fully subscribed A full-stack financial ecosystem… 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* TRANSACT Jio Finance Platform and PROTECT Service Limited Powering seamless digital payments for (JFPSL) Insurance for individuals and institutions individuals and merchants … backed by structural moats Strong Capital Cost Engineering Late Entrant Brand Strength Zero Tech-Debt Base at Scale Advantage Growth phase Incubation Phase *Signed non-binding agreement for Life Insurance Bringing the best to India via marquee partnerships Managing over USD 15 tn in AUM 135+ years of experience, active in Total assets of USD 3.4 tn serving across over 40 markets helping ~70 countries & serving ~9.7 cr more than 35 countries and/ or millions invest with a track record of customers*, total business volume jurisdictions with over two centuries nearly 40 years of EUR 186.9 bn in 2025 of industry experience Asset Management, Wealth Reinsurance, General & Health Lending^ Management & Broking Insurance, and Life Insurance** JFSL emerges as preferred partner for pedigreed global financial institutions looking to tap India growth story *Private and corporate customers; as of December 31, 2025; consolidated entities in the customer reporting scope, **Signed non-binding agreement for proposed Life 7 Insurance JV, ^Subject to regulatory and statutory approvals Product: Comprehensive suite of 30+ product offerings Layer 3: The Core Pivot N=1 hyper-personalised Proactive hyper-personalisationof Customer-first approach AI-Native & Conversational interface relevant offerings to customers Layer 2: Marketplace Aggregation Products:Personal Loans, Credit Cards, Fixed Deposits, Jio Gold, Jio Silver, Life and General Growing third-party offerings Insurance & Tax Filing driven by demand and risk appetite Layer 1: Proprietary Suite of Products Borrow Invest Transact Protect MF, ETF, SIF, Savings HL, LAP, LAMF, LAS, UPI, CASA, Biometric Reinsurance, General* Continued acceleration of our own Pro, Wealth Checkup, LAETF Payments and Life Insurance* comprehensive product suite Smart Switch, Broking *to be launched Distribution: Deepening National Footprint, Customer Reach JioFinance, MyJio & Web Portals: Serve as the primary digital customer acquisition engine JCL now present in 19 cities with 26 offices JioBlackRock AMC partners with 15,000+ distributors for MF & SIF JPBL scales BC* network to 633,000+ vs. ~200,000 in Q2 FY26 JPSL merchant network across 26 states; rolls out AI-enabled merchant onboarding with automated Deal Negotiator High-frequency digital channels and an expansive physical network powering financial access across 19,000+ PIN codes * Business Correspondents (includes owned and corporate BC touchpoints) Data, Tech & AI: Powering Intelligent Financial Services Institutional [Showing first 8,000 characters — download PDF for full document]