Investor Presentation

July 16, 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 ended June 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 ended June 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 Q1 FY27 Earnings Presentation July 16, 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. Accelerated growth across all businesses NBFC Gross AUM Payments Bank Deposits* Payment Solutions TPV** in Rs. Cr in Rs. Cr in Rs. Cr 2.6x 30,667 1.7x 617 2.5x 19,208 25,622 544 14,626 7,719 11,665 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Insurance Premium Facilitated AMC Closing AUM^ Reinsurance Premium Underwritten^^ in Rs. Cr in Rs. Cr in Rs. Cr 18,412 266 1.6x 238 15,218 0 0 0 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 *Includes Current Account, Savings Account and Wallets, **Total Payment Value, ^ First NFO closed on July 2, 2025, ^^ AllianzJio Reinsurance Limited commenced 3 operations in March 2026 Sustainable momentum in operating profitability Consolidated Total Income (ex-dividend) Consolidated PPOP* (ex-dividend) Consolidated PBT (ex-dividend) in Rs. Cr in Rs. Cr in Rs. Cr 141% 1,496 38% 505 18% 461 1,020 366 327 390 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26 Q1 FY27 Q4 FY26 Q1 FY26** Q1 FY27 Q4 FY26 • Consolidated Profit Before Tax (including dividend) increased 131% YoY to Rs. 970 Cr in Q1 FY27 • Full consolidation of Reliance Services and Holdings Limited (RSHL) as a 100% step-down subsidiary, w.e.f. April 30, 2026, earlier accounted for under Share of Associates and Joint Ventures • NBFC’s Profit after Tax increased 113% YoY to Rs. 96 Cr driven by sustained growth in AUM • Operational turnaround of Payments Bank and Payment Solutions • Maintained targeted investments to scale growth-stage and incubate nascent businesses Total Consolidated Shareholders’ Equity of Rs. 1.37 lakh Cr as of June 30, 2026 *Pre-ProvisioningOperating Profit, **Excluding the one-off Exceptional Income of Rs. 29Cr in Q1 FY26 Strategic milestones: Execution excellence NBFC maintained strong organic growth, with quarterly disbursement exceeding Rs. 11,000 Cr Payments Bank commenced FASTagANPR-based MLFF toll processing operations Payment Solutions launched cross-border collection services enabling Indian exporters to accept international payments JioBlackRock AMC expanded product offerings with the Prism SIF NFO; received final approval from IFSCA to set up retail Fund Management Entity in GIFT City 25mn+ Incorporated Jio Allianz General Insurance Limited as a 50:50 JV with Allianz to offer general Unique users across insurance & health insurance in India all digital properties 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* Jio Finance Platform and TRANSACT Services Limited PROTECT 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 Product: Comprehensive suite of 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:Fixed Deposits, Jio Gold, Tax Filing, Credit Cards, Personal Loans, Growing third-party offerings Life and General Insurance 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, UPI, CASA, Biometric Reinsurance, General* LAETF Savings Pro, Broking* Payments and Life Insurance* comprehensive product suite *to be launched Distribution: Deepening omni-channel delivery network JioFinance, MyJio & Web Portals: Primary customer acquisition channel JCL expands footprint in 18 cities with 25 offices JioBlackRock AMC partners with 800+ distributors for SIF JPBL widens Business Correspondents (BC)* network to 527,000+ vs. 50,000+ in Q1 FY26 JIBL’s Digital Point of Sales Person (POSP) agents in 25 states JPSL strengthened merchant network in 26 states Integrated digital storefront and on-ground channel footprint catering to customers across 19,000+ PIN codes * Business Correspondent includes owned and corporate BC touchpoints Data, Tech & AI: Powering Intelligent Financial Services 56% 76% 40-60% 3x+ Customer Customer conversion via AI/ML-led Lower TAT for credit Faster Merchant API integration Growth in JIBL customer Experience hyper-personalisationon the app assessment using Video PD* by JPSL’s AI developer assistant conversion via tailored D2C journeys 60%+ 71% 90%+ 70% Business Reductioninin-house product Reduction in TAT using partner Higher efficiency in processing Efficiency gain via automated Operations go-live to ~3 weeks onboarding portal by JCL chargebacks by JPSL end-to-end ops tracking by JPBL 53% 61% 30-50% 50% Risk & Fraud Fraudulent emails Suspicious activity complaints Faster risk analysis and scoring Faster policy & regulatory Management automatically dealt by JPBL auto-reported by JPBL across 20 metrics of JPBL reviews of JCL at 50% lower costs 90% 10+ 18% 2x+ Growth & Cost savings via AI- Propensity models analysing Higher traffic driven by JCL’s Higher conversion among JIBL’s Marketing generated marketing assets 800+ behavioral events for omnichannel marketing drop-off leads by AI bots next-best offer ~130 enterprise-wide AI Agents enabling superior CX, cost benefits and targeted customer outreach * Personal Discussion Jio Credit Limited (1/3) Layer 1 Gross Assets U [Showing first 8,000 characters — download PDF for full document]