
About Jio Finance
Jio Finance is a publicly listed company based in Mumbai (India) founded in 2000. Loans, insurance, and digital payments are provided as financial services. Its chief executive, as recorded, is Neeraj Dhawan. Its website jiofinance.in draws about 36 thousand monthly visits. Its Indian entity Reliance Industries Limited reported revenue of βΉ547,779 Cr. Jio Finance offers products and services including Loan Application Service. Its focus areas include FinTech, Alternative Lending, Online Lenders and Diversified. Similar companies include FlexiLoans, Clix Capital and InCred; 3 of its 3 listed similar companies have raised funding.
Company details
Jio Finance was established in 2000 in Mumbai, India, as a fintech platform. A variety of financial products and services are delivered, including loans, insurance, and digital payment solutions. Operations function through a holding company structure, spanning transactions, borrowings, investments, and protection areas. The focus remains on addressing financial requirements within the evolving sector.
- Headquarters Mumbai, India
- Stage Public
- SectorsFinancial Services
- Website category Finance · Investing
- Emailβ’β’β’β’β’β’β’β’
- Phoneβ’β’β’β’ β’β’β’β’
- Website jiofinance.in
- Social X Facebook
- Legal Name Reliance Industries Limited
- Date of Incorporation 08 May, 1973
- Jurisdiction Mumbai, Maharashtra, India
- Market Cap₹18,12,954 Cr
RELIANCE · NSE
- Share Price₹1,339.70
0.00% today
- Revenue₹10,57,219 Cr
FY 2025-26 · +9.6% YoY
- EBITDA₹1,78,949 Cr
Margin 16.9%
- Net Profit₹77,312 Cr
FY 2025-26 · +13.8% YoY
- P/E (TTM)22.0x
P/B 1.9x
- ROE10.9%
ROCE 10.6%
- Debt / Equity0.44
Interest cover 22.3x
Associated legal entities of Jio Finance
Jio Finance is associated with 3 registered companies on The Company Check; the primary company is Reliance Industries Limited, a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Reliance Industries Limited Listed CIN L17110MH1973PLC019786 | Active | 08 May 1973 | Mumbai, Maharashtra | ₹547,779 Cr | 37,938 | 16 | View details |
| Jio Financial Services Limited Listed CIN L65990MH1999PLC120918 | Active | 22 Jul 1999 | Mumbai, Maharashtra | ₹3,895 Cr | 43 | 11 | View details |
| Jio Credit Limited CIN U64990MH2000PLC123731 | Active | 19 Jan 2000 | Mumbai, Maharashtra | ₹1,497 Cr | 82 | 10 | View details |
Products & Services of Jio Finance
Jio Finance offers a comprehensive portfolio of products and services, including Loan Application Service.
Online platform for applying and getting quick approvals for loans
Board of directors of Reliance Industries Limited (Jio Finance)
Reliance Industries Limited is the primary company behind Jio Finance. The boards of the 3 registered companies of Jio Finance currently have 23 directors; the longest-serving is Mukesh Dhirubhai Ambani, appointed in 1977. 75 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Mukesh Dhirubhai Ambani DIN 00001695 | Managing Director | 01 Apr 1977 | 49 yrs 7 mo | Reliance Industries Limited |
| Nikhil Rasiklal Meswani DIN 00001620 | Whole-time director | 01 Jul 2008 | 18 yrs 4 mo | Reliance Industries Limited |
| Madhusudana Sivaprasad Panda DIN 00012144 | Whole-time director | 21 Aug 2009 | 17 yrs 2 mo | Reliance Industries Limited |
| Hital Rasiklal Meswani DIN 00001623 | Whole-time director | 04 Aug 2010 | 16 yrs 3 mo | Reliance Industries Limited |
| Shumeet Banerji DIN 02787784 | Director | 21 Jul 2017 | 9 yrs 3 mo | Reliance Industries Limited |
| Arundhati Bhattacharya DIN 02011213 | Director | 17 Oct 2018 | 8 yrs | Reliance Industries Limited |
| Veerayya Chowdary Kosaraju DIN 08485334 | Director | 18 Oct 2019 | 7 yrs | Reliance Industries Limited |
| Yasir Othman H Alrumayyan DIN 09245977 | Director | 19 Jul 2021 | 5 yrs 3 mo | Reliance Industries Limited |
| Kundapur Kamath DIN 00043501 | Director | 20 Jan 2023 | 3 yrs 9 mo | Reliance Industries Limited, Jio Financial Services Limited |
| Rajiv Mehrishi DIN 00208189 | Director | 07 Jul 2023 | 3 yrs 4 mo | Jio Financial Services Limited |
| Sunil Mehta DIN 07430460 | Director | 29 Aug 2023 | 3 yrs 2 mo | Jio Credit Limited, Jio Financial Services Limited |
| Bimal Manu Tanna DIN 06767157 | Director | 29 Aug 2023 | 3 yrs 2 mo | Jio Credit Limited, Jio Financial Services Limited |
| Isha Mukesh Ambani DIN 06984175 | Director | 27 Oct 2023 | 3 yrs | Reliance Industries Limited, Jio Financial Services Limited |
| Akash Mukesh Ambani DIN 06984194 | Director | 27 Oct 2023 | 3 yrs | Reliance Industries Limited |
| Anant Mukesh Ambani DIN 07945702 | Whole-time director | 27 Oct 2023 | 3 yrs | Reliance Industries Limited |
| Anshuman Thakur DIN 03279460 | Director | 15 Nov 2023 | 2 yrs 11 mo | Jio Financial Services Limited |
| Rama Vedashree DIN 10412547 | Director | 19 Dec 2023 | 2 yrs 10 mo | Jio Credit Limited, Jio Financial Services Limited |
| Hitesh Kumar Sethia DIN 09250710 | Director | 14 Feb 2024 | 2 yrs 8 mo | Jio Credit Limited, Jio Financial Services Limited |
| Haigreve Khaitan DIN 00005290 | Director | 01 Apr 2024 | 2 yrs 7 mo | Reliance Industries Limited |
| Kusal Roy DIN 02268654 | CEO | 20 Aug 2024 | 2 yrs 2 mo | Jio Credit Limited |
| Pradnya Nandkumar Saravade DIN 08472973 | Director | 24 Oct 2024 | 2 yrs | Jio Credit Limited |
| Sanjay Rangrao Chougule DIN 00073782 | Director | 10 Dec 2024 | 1 yr 11 mo | Jio Credit Limited |
| Dinesh Hasmukhrai Kanabar DIN 00003252 | Director | 12 Jun 2025 | 1 yr 5 mo | Reliance Industries Limited |
People of Jio Finance
1 people are tracked at Jio Finance (1 in leadership).
| Name | Role | Group |
|---|---|---|
Neeraj Dhawan | CEO | Leadership |
Complete people profiles for Jio Finance
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
IPO & Listings of Jio Finance
Jio Finance is a publicly listed company on the NSE with ticker symbol RELIANCE in India, operating in the Refineries sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- Listed onNSE: RELIANCE
- Listed entityReliance Industries Limited
- Exchange sectorRefineries
Financials of Jio Finance
Exchange-reported figures of Reliance Industries Limited, the listed company behind Jio Finance (NSE: RELIANCE).
Financial Highlights
FY 2025-26 Β· ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 10,57,219 | 9,64,693 | 9,01,064 | 8,77,835 | 6,95,963 | 4,66,924 | 5,97,535 |
| Revenue growth | +9.6% | +7.1% | +2.7% | +26.1% | +49.1% | -21.9% | - |
| EBITDA | 1,78,949 | 1,65,444 | 1,62,233 | 1,42,162 | 1,08,410 | 64,993 | 84,565 |
| EBITDA margin | +16.9% | +17.2% | +18.0% | +16.2% | +15.6% | +13.9% | +14.2% |
| Profit before tax | 1,23,162 | 1,06,017 | 1,04,340 | 94,464 | 83,815 | 55,461 | 53,606 |
| Net profit | 77,312 | 67,911 | 68,373 | 66,824 | 58,519 | 43,761 | 42,851 |
| Net profit margin | +7.3% | +7.0% | +7.6% | +7.6% | +8.4% | +9.4% | +7.2% |
| EPS (βΉ) | 59.69 | 51.47 | 102.90 | 98.58 | 89.73 | 76.23 | 62.08 |
| Balance sheet | |||||||
| Total assets | 16,54,938 | 15,33,203 | 13,96,970 | 12,90,775 | 12,22,627 | 10,96,137 | 8,37,539 |
| Net worth | 9,04,030 | 8,43,200 | 7,93,481 | 7,15,872 | 7,79,485 | 7,00,172 | 4,49,166 |
| Total debt | 4,02,962 | 3,74,313 | 3,50,719 | 4,51,664 | 3,19,158 | 2,78,962 | 3,55,133 |
| Cash & bank | 1,45,977 | 1,06,502 | 97,225 | 68,664 | 36,178 | 17,397 | 30,920 |
| Net working capital | 71,577 | 47,096 | 77,155 | 50,491 | 11,507 | 32,491 | (88,908) |
| Cash flow | |||||||
| Cash from operations | 1,92,113 | 1,78,703 | 1,58,788 | 1,15,032 | 1,10,654 | 26,958 | 94,877 |
| Cash from investing | (1,01,089) | (1,37,535) | (1,13,581) | (93,001) | (1,09,162) | (1,42,385) | (72,497) |
| Cash from financing | (51,549) | (31,891) | (16,646) | 10,455 | 17,289 | 1,01,904 | (2,541) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3,09,468 | 2,94,059 | 2,64,905 | 2,54,623 | 2,43,632 | 2,61,388 | 2,39,986 | 2,31,535 |
| Revenue growth (YoY) | +27.0% | +12.5% | +10.4% | +10.0% | +5.1% | - | - | - |
| Other income | 6,550 | 4,447 | 4,914 | 4,482 | 15,119 | 4,905 | 4,214 | 4,876 |
| EBITDA | 47,517 | 44,141 | 46,018 | 45,885 | 42,905 | 43,832 | 43,789 | 39,058 |
| EBITDA margin | +15.4% | +15.0% | +17.4% | +18.0% | +17.6% | +16.8% | +18.2% | +16.9% |
| Depreciation | 15,100 | 14,808 | 14,622 | 14,416 | 13,842 | 13,479 | 13,181 | 12,880 |
| Interest | 8,337 | 6,585 | 6,613 | 6,827 | 7,036 | 6,155 | 6,179 | 6,017 |
| Profit before tax | 30,630 | 27,195 | 29,697 | 29,124 | 37,146 | 29,103 | 28,643 | 25,037 |
| Tax | 7,629 | 6,579 | 7,530 | 6,978 | 6,465 | 6,669 | 6,839 | 5,936 |
| Net profit | 23,001 | 20,616 | 22,167 | 22,146 | 30,681 | 22,434 | 21,804 | 19,101 |
| EPS (βΉ) | 15.48 | 12.54 | 13.78 | 13.42 | 19.95 | 14.34 | 13.70 | 24.48 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 5,05,465 | 5,17,298 | 5,33,931 | 5,39,347 | 4,23,703 | 2,45,667 | 3,36,953 |
| Revenue growth | -2.3% | -3.1% | -1.0% | +27.3% | +72.5% | -27.1% | - |
| EBITDA | 54,411 | 58,069 | 74,265 | 66,769 | 52,313 | 17,814 | 48,583 |
| EBITDA margin | +10.8% | +11.2% | +13.9% | +12.4% | +12.4% | +7.3% | +14.4% |
| Profit before tax | 54,076 | 46,128 | 55,273 | 55,306 | 46,786 | 27,212 | 40,316 |
| Net profit | 42,756 | 34,980 | 41,878 | 45,154 | 39,162 | 27,648 | 34,307 |
| Net profit margin | +8.5% | +6.8% | +7.8% | +8.4% | +9.2% | +11.3% | +10.2% |
| EPS (βΉ) | 32.41 | 26.06 | 62.14 | 65.31 | 57.77 | 49.56 | 48.75 |
| Balance sheet | |||||||
| Total assets | 8,43,075 | 7,53,929 | 7,34,194 | 6,99,664 | 6,74,278 | 7,02,314 | 6,94,658 |
| Net worth | 5,66,235 | 5,43,087 | 5,15,096 | 4,79,078 | 4,71,527 | 4,74,483 | 3,91,215 |
| Total debt | 2,34,008 | 2,01,505 | 2,14,575 | 2,18,706 | 1,97,439 | 2,24,683 | 2,98,599 |
| Cash & bank | 1,08,179 | 82,471 | 69,248 | 61,007 | 21,714 | 5,573 | 8,485 |
| Net working capital | (9,320) | (18,621) | 4,772 | 28,355 | (29,470) | (24,517) | (1,29,861) |
| Cash flow | |||||||
| Cash from operations | 79,059 | 79,392 | 73,998 | 55,340 | 67,491 | (512) | 77,533 |
| Cash from investing | (50,451) | (28,106) | (38,292) | (8,678) | (45,315) | 74,257 | (1,43,583) |
| Cash from financing | (2,900) | (38,063) | (27,465) | (7,369) | (6,035) | (76,657) | 70,767 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,63,631 | 1,41,823 | 1,21,150 | 1,26,335 | 1,16,341 | 1,32,962 | 1,24,381 | 1,30,108 |
| Revenue growth (YoY) | +40.7% | +6.7% | -2.6% | -2.9% | -10.4% | - | - | - |
| Other income | 4,108 | 3,357 | 3,412 | 3,445 | 13,460 | 5,577 | 3,214 | 3,801 |
| Total expenses | 1,44,105 | 1,29,861 | 1,06,260 | 1,11,946 | 1,03,171 | 1,17,846 | 1,09,168 | 1,16,683 |
| EBITDA | 19,526 | 11,962 | 14,890 | 14,389 | 13,170 | 15,116 | 15,213 | 13,425 |
| EBITDA margin | +11.9% | +8.4% | +12.3% | +11.4% | +11.3% | +11.4% | +12.2% | +10.3% |
| Depreciation | 4,196 | 4,069 | 4,434 | 4,472 | 4,130 | 4,464 | 4,459 | 4,350 |
| Interest | 1,838 | 1,467 | 1,473 | 1,770 | 2,194 | 2,058 | 2,371 | 2,662 |
| Profit before tax | 17,600 | 9,783 | 12,395 | 11,592 | 20,306 | 14,171 | 11,597 | 10,214 |
| Tax | 4,328 | 2,361 | 2,999 | 2,463 | 2,402 | 2,954 | 2,876 | 2,501 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3,09,468 | 2,94,059 | 2,64,905 | 2,54,623 | 2,43,632 | 2,61,388 | 2,39,986 | 2,31,535 |
| Revenue growth (YoY) | +27.0% | +12.5% | +10.4% | +10.0% | +5.1% | - | - | - |
| Other income | 6,550 | 4,447 | 4,914 | 4,482 | 15,119 | 4,905 | 4,214 | 4,876 |
| EBITDA | 47,517 | 44,141 | 46,018 | 45,885 | 42,905 | 43,832 | 43,789 | 39,058 |
| EBITDA margin | +15.4% | +15.0% | +17.4% | +18.0% | +17.6% | +16.8% | +18.2% | +16.9% |
| Depreciation | 15,100 | 14,808 | 14,622 | 14,416 | 13,842 | 13,479 | 13,181 | 12,880 |
| Interest | 8,337 | 6,585 | 6,613 | 6,827 | 7,036 | 6,155 | 6,179 | 6,017 |
| Profit before tax | 30,630 | 27,195 | 29,697 | 29,124 | 37,146 | 29,103 | 28,643 | 25,037 |
| Tax | 7,629 | 6,579 | 7,530 | 6,978 | 6,465 | 6,669 | 6,839 | 5,936 |
| Net profit | 23,001 | 20,616 | 22,167 | 22,146 | 30,681 | 22,434 | 21,804 | 19,101 |
| EPS (βΉ) | 15.48 | 12.54 | 13.78 | 13.42 | 19.95 | 14.34 | 13.70 | 24.48 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 10,57,219 | 9,64,693 | 9,01,064 | 8,77,835 | 6,95,963 | 4,66,924 | 5,97,535 |
| Revenue growth | +9.6% | +7.1% | +2.7% | +26.1% | +49.1% | -21.9% | - |
| Other income | 28,962 | 17,978 | 16,057 | 12,176 | 19,771 | 38,229 | 13,271 |
| Total expenses | 8,78,270 | 7,99,249 | 7,38,831 | 7,35,673 | 5,87,553 | 4,01,931 | 5,12,970 |
| Employee cost | 30,318 | 28,559 | 25,679 | 24,872 | 18,758 | 14,817 | 14,075 |
| EBITDA | 1,78,949 | 1,65,444 | 1,62,233 | 1,42,162 | 1,08,410 | 64,993 | 84,565 |
| EBITDA margin | +16.9% | +17.2% | +18.0% | +16.2% | +15.6% | +13.9% | +14.2% |
| Depreciation | 57,688 | 53,136 | 50,832 | 40,303 | 29,782 | 26,572 | 22,203 |
| Interest | 27,061 | 24,269 | 23,118 | 19,571 | 14,584 | 21,189 | 22,027 |
| Profit before tax | 1,23,162 | 1,06,017 | 1,04,340 | 94,464 | 83,815 | 55,461 | 53,606 |
| Tax | 27,552 | 25,230 | 25,707 | 20,376 | 15,970 | 1,722 | 13,726 |
| Net profit | 77,312 | 67,911 | 68,373 | 66,824 | 58,519 | 43,761 | 42,851 |
| Net profit margin | +7.3% | +7.0% | +7.6% | +7.6% | +8.4% | +9.4% | +7.2% |
| EPS (βΉ) | 59.69 | 51.47 | 102.90 | 98.58 | 89.73 | 76.23 | 62.08 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 13,532 | 13,532 | 6,766 | 6,766 | 6,765 | 6,445 | 6,339 |
| Reserves & surplus | 8,90,498 | 8,29,668 | 7,86,715 | 7,09,106 | 7,72,720 | 6,53,884 | 4,42,826 |
| Shareholders' funds (net worth) | 9,04,030 | 8,43,200 | 7,93,481 | 7,15,872 | 7,79,485 | 7,00,172 | 4,49,166 |
| Minority interest | 1,81,836 | 1,66,426 | 1,32,307 | 1,13,009 | 1,09,499 | 99,260 | 12,181 |
| Secured loans | 39,092 | 38,707 | 43,603 | 44,836 | 18,899 | 19,047 | 45,077 |
| Unsecured loans | 3,63,870 | 3,35,606 | 3,07,116 | 4,06,828 | 3,00,259 | 2,59,915 | 3,10,056 |
| Total debt | 4,02,962 | 3,74,313 | 3,50,719 | 4,51,664 | 3,19,158 | 2,78,962 | 3,55,133 |
| Total liabilities | 16,54,938 | 15,33,203 | 13,96,970 | 12,90,775 | 12,22,627 | 10,96,137 | 8,37,539 |
| Assets | |||||||
| Gross block | 15,55,587 | 13,75,818 | 11,14,582 | 10,18,002 | 8,83,614 | 7,75,812 | 7,43,778 |
| Net block | 11,24,795 | 9,99,393 | 7,79,985 | 7,24,805 | 6,27,798 | 5,41,258 | 5,32,658 |
| Capital work in progress | 2,37,686 | 2,62,358 | 3,38,855 | 2,93,752 | 1,72,506 | 1,25,953 | 1,09,106 |
| Investments | 2,48,332 | 2,42,381 | 2,25,672 | 2,35,560 | 3,94,264 | 3,64,828 | 2,76,767 |
| Inventories | 1,66,941 | 1,46,062 | 1,52,770 | 1,40,008 | 1,07,778 | 81,672 | 73,903 |
| Sundry debtors | 58,491 | 42,121 | 31,628 | 28,448 | 23,640 | 19,014 | 19,656 |
| Cash & bank balances | 1,45,977 | 1,06,502 | 97,225 | 68,664 | 36,178 | 17,397 | 30,920 |
| Loans & advances | 1,25,409 | 85,876 | 82,307 | 69,703 | 71,305 | 1,02,482 | 60,866 |
| Total current assets | 4,96,818 | 3,80,561 | 3,63,930 | 3,06,823 | 2,38,901 | 2,20,565 | 1,85,345 |
| Total current liabilities | 4,25,241 | 3,33,465 | 2,86,775 | 2,56,332 | 2,27,394 | 1,88,074 | 2,74,253 |
| Net working capital | 71,577 | 47,096 | 77,155 | 50,491 | 11,507 | 32,491 | (88,908) |
| Total assets | 16,54,938 | 15,33,203 | 13,96,970 | 12,90,775 | 12,22,627 | 10,96,137 | 8,37,539 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 1,06,502 | 97,225 | 68,664 | 36,178 | 17,397 | 30,920 | 11,081 |
| Net cash from operating activities | 1,92,113 | 1,78,703 | 1,58,788 | 1,15,032 | 1,10,654 | 26,958 | 94,877 |
| Net cash from investing activities | (1,01,089) | (1,37,535) | (1,13,581) | (93,001) | (1,09,162) | (1,42,385) | (72,497) |
| Net cash from financing activities | (51,549) | (31,891) | (16,646) | 10,455 | 17,289 | 1,01,904 | (2,541) |
| Net change in cash | 39,475 | 9,277 | 28,561 | 32,486 | 18,781 | (13,523) | 19,839 |
| Closing cash | 1,45,977 | 1,06,502 | 97,225 | 68,664 | 36,178 | 17,397 | 30,920 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +9.6% | +7.1% | +2.7% | +26.1% | +49.1% | -21.9% | - |
| EBITDA growth | +8.2% | +2.0% | +14.1% | +31.1% | +66.8% | -23.1% | - |
| PBT growth | +16.2% | +1.6% | +10.5% | +12.7% | +51.1% | +3.5% | -2.9% |
| Net income growth | +13.8% | -0.7% | +2.3% | +14.2% | +33.7% | +2.1% | - |
| Revenue CAGR (3Y) | +6.4% | +11.5% | +24.5% | +13.7% | +6.9% | +6.0% | +25.1% |
| EBITDA CAGR (3Y) | +8.0% | +15.1% | +35.7% | +18.9% | +8.8% | +0.4% | +22.3% |
| Profitability & leverage | |||||||
| Net income margin | +9.0% | +8.4% | +8.7% | +8.4% | +9.8% | +11.5% | +6.7% |
| Return on capital employed | +10.6% | +9.9% | +10.4% | +10.0% | +9.3% | +7.8% | +9.8% |
| Return on net worth | +10.9% | +9.9% | +10.4% | +9.9% | +9.2% | +8.4% | +9.5% |
| Debt / equity | 0.44 | 0.44 | 0.53 | 0.52 | 0.40 | 0.55 | 0.79 |
| Long-term debt / equity | 0.31 | 0.30 | 0.37 | 0.37 | 0.29 | 0.35 | 0.53 |
| Interest cover | 22.32 | 21.61 | 20.75 | 19.21 | 18.55 | 55.15 | 35.32 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 0.80 | 0.86 | 0.94 | 1.03 | 0.95 | 0.71 | 0.98 |
| Inventory turnover | 7.51 | 7.17 | 6.83 | 7.87 | 8.33 | 6.93 | 9.33 |
| Debtors turnover | 23.38 | 29.05 | 33.30 | 37.43 | 36.98 | 27.89 | 26.54 |
| EPS (βΉ) | 59.69 | 51.47 | 102.90 | 98.58 | 89.73 | 76.23 | 62.08 |
| Dividend per share (βΉ) | 6.00 | 5.50 | 10.00 | 9.00 | 8.00 | 7.00 | 6.50 |
| Book value per share (βΉ) | 668.07 | 623.12 | 1,172.75 | 1,058.04 | 1,152.23 | 1,024.56 | 708.57 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,63,631 | 1,41,823 | 1,21,150 | 1,26,335 | 1,16,341 | 1,32,962 | 1,24,381 | 1,30,108 |
| Revenue growth (YoY) | +40.7% | +6.7% | -2.6% | -2.9% | -10.4% | - | - | - |
| Other income | 4,108 | 3,357 | 3,412 | 3,445 | 13,460 | 5,577 | 3,214 | 3,801 |
| Total expenses | 1,44,105 | 1,29,861 | 1,06,260 | 1,11,946 | 1,03,171 | 1,17,846 | 1,09,168 | 1,16,683 |
| EBITDA | 19,526 | 11,962 | 14,890 | 14,389 | 13,170 | 15,116 | 15,213 | 13,425 |
| EBITDA margin | +11.9% | +8.4% | +12.3% | +11.4% | +11.3% | +11.4% | +12.2% | +10.3% |
| Depreciation | 4,196 | 4,069 | 4,434 | 4,472 | 4,130 | 4,464 | 4,459 | 4,350 |
| Interest | 1,838 | 1,467 | 1,473 | 1,770 | 2,194 | 2,058 | 2,371 | 2,662 |
| Profit before tax | 17,600 | 9,783 | 12,395 | 11,592 | 20,306 | 14,171 | 11,597 | 10,214 |
| Tax | 4,328 | 2,361 | 2,999 | 2,463 | 2,402 | 2,954 | 2,876 | 2,501 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 5,05,465 | 5,17,298 | 5,33,931 | 5,39,347 | 4,23,703 | 2,45,667 | 3,36,953 |
| Revenue growth | -2.3% | -3.1% | -1.0% | +27.3% | +72.5% | -27.1% | - |
| Other income | 23,674 | 16,094 | 12,128 | 12,337 | 13,872 | 34,808 | 13,566 |
| Total expenses | 4,51,054 | 4,59,229 | 4,59,666 | 4,72,578 | 3,71,390 | 2,27,853 | 2,88,370 |
| Employee cost | 9,681 | 8,690 | 7,807 | 6,265 | 5,426 | 5,024 | 6,067 |
| EBITDA | 54,411 | 58,069 | 74,265 | 66,769 | 52,313 | 17,814 | 48,583 |
| EBITDA margin | +10.8% | +11.2% | +13.9% | +12.4% | +12.4% | +7.3% | +14.4% |
| Depreciation | 17,105 | 17,981 | 17,690 | 11,167 | 10,276 | 9,199 | 9,728 |
| Interest | 6,904 | 10,054 | 13,430 | 12,633 | 9,123 | 16,211 | 12,105 |
| Profit before tax | 54,076 | 46,128 | 55,273 | 55,306 | 46,786 | 27,212 | 40,316 |
| Tax | 10,225 | 10,866 | 13,231 | 11,116 | 7,702 | (4,732) | 9,413 |
| Net profit | 42,756 | 34,980 | 41,878 | 45,154 | 39,162 | 27,648 | 34,307 |
| Net profit margin | +8.5% | +6.8% | +7.8% | +8.4% | +9.2% | +11.3% | +10.2% |
| EPS (βΉ) | 32.41 | 26.06 | 62.14 | 65.31 | 57.77 | 49.56 | 48.75 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 13,532 | 13,532 | 6,766 | 6,766 | 6,765 | 6,445 | 6,339 |
| Reserves & surplus | 5,52,703 | 5,29,555 | 5,08,330 | 4,72,312 | 4,64,762 | 4,28,195 | 3,84,875 |
| Shareholders' funds (net worth) | 5,66,235 | 5,43,087 | 5,15,096 | 4,79,078 | 4,71,527 | 4,74,483 | 3,91,215 |
| Secured loans | 32,896 | 28,786 | 36,482 | 37,477 | 11,205 | 16,332 | 37,447 |
| Unsecured loans | 2,01,112 | 1,72,719 | 1,78,093 | 1,81,229 | 1,86,234 | 2,08,351 | 2,61,152 |
| Total debt | 2,34,008 | 2,01,505 | 2,14,575 | 2,18,706 | 1,97,439 | 2,24,683 | 2,98,599 |
| Total liabilities | 8,43,075 | 7,53,929 | 7,34,194 | 6,99,664 | 6,74,278 | 7,02,314 | 6,94,658 |
| Assets | |||||||
| Gross block | 5,36,890 | 5,24,810 | 5,00,597 | 4,66,561 | 4,13,723 | 4,74,714 | 4,68,723 |
| Net block | 3,07,109 | 3,11,047 | 2,99,630 | 2,82,301 | 2,39,616 | 3,06,833 | 3,06,478 |
| Capital work in progress | 1,37,569 | 82,417 | 61,632 | 54,357 | 34,662 | 32,835 | 27,965 |
| Investments | 4,14,613 | 3,90,360 | 3,70,063 | 3,51,141 | 4,08,797 | 3,47,285 | 4,91,823 |
| Inventories | 1,04,925 | 89,216 | 85,100 | 84,756 | 45,923 | 37,437 | 38,802 |
| Sundry debtors | 16,641 | 15,591 | 14,740 | 24,143 | 14,394 | 4,159 | 7,483 |
| Cash & bank balances | 1,08,179 | 82,471 | 69,248 | 61,007 | 21,714 | 5,573 | 8,485 |
| Loans & advances | 47,334 | 25,183 | 24,874 | 47,477 | 62,063 | 68,885 | 41,854 |
| Total current assets | 2,77,079 | 2,12,461 | 1,93,962 | 2,17,383 | 1,44,094 | 1,16,054 | 96,624 |
| Total current liabilities | 2,86,399 | 2,31,082 | 1,89,190 | 1,89,028 | 1,73,564 | 1,40,571 | 2,26,485 |
| Net working capital | (9,320) | (18,621) | 4,772 | 28,355 | (29,470) | (24,517) | (1,29,861) |
| Total assets | 8,43,075 | 7,53,929 | 7,34,194 | 6,99,664 | 6,74,278 | 7,02,314 | 6,94,658 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 82,471 | 69,248 | 61,007 | 21,714 | 5,573 | 8,485 | 3,768 |
| Net cash from operating activities | 79,059 | 79,392 | 73,998 | 55,340 | 67,491 | (512) | 77,533 |
| Net cash from investing activities | (50,451) | (28,106) | (38,292) | (8,678) | (45,315) | 74,257 | (1,43,583) |
| Net cash from financing activities | (2,900) | (38,063) | (27,465) | (7,369) | (6,035) | (76,657) | 70,767 |
| Net change in cash | 25,708 | 13,223 | 8,241 | 39,293 | 16,141 | (2,912) | 4,717 |
| Closing cash | 1,08,179 | 82,471 | 69,248 | 61,007 | 21,714 | 5,573 | 8,485 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | -2.3% | -3.1% | -1.0% | +27.3% | +72.5% | -27.1% | - |
| EBITDA growth | -6.3% | -21.8% | +11.2% | +27.6% | +193.7% | -63.3% | - |
| PBT growth | +17.2% | -16.6% | -0.1% | +18.2% | +71.9% | -32.5% | -14.9% |
| Net income growth | +22.2% | -16.5% | -7.3% | +15.3% | +41.6% | -19.4% | - |
| Revenue CAGR (3Y) | -2.1% | +6.9% | +29.5% | +17.0% | +4.5% | -5.4% | +11.7% |
| EBITDA CAGR (3Y) | -6.6% | +3.5% | +60.9% | +11.2% | -3.9% | -29.9% | +4.0% |
| Profitability & leverage | |||||||
| Net income margin | +8.7% | +6.8% | +7.9% | +8.2% | +9.2% | +13.0% | +9.2% |
| Return on capital employed | +7.6% | +7.6% | +9.6% | +9.9% | +8.1% | +5.6% | +9.0% |
| Return on net worth | +7.9% | +6.7% | +8.5% | +9.3% | +8.3% | +6.4% | +8.6% |
| Debt / equity | 0.39 | 0.39 | 0.44 | 0.44 | 0.45 | 0.60 | 0.58 |
| Long-term debt / equity | 0.33 | 0.32 | 0.30 | 0.32 | 0.35 | 0.41 | 0.39 |
| Interest cover | 18.51 | 25.08 | 23.74 | 22.72 | 21.70 | 188.17 | 31.15 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 1.03 | 1.09 | 1.19 | 1.31 | 1.05 | 0.59 | 0.88 |
| Inventory turnover | 5.63 | 6.39 | 6.77 | 8.85 | 11.19 | 7.32 | 8.83 |
| Debtors turnover | 33.93 | 36.74 | 29.57 | 30.00 | 50.28 | 47.92 | 37.38 |
| EPS (βΉ) | 32.41 | 26.06 | 62.14 | 65.31 | 57.77 | 49.56 | 48.75 |
| Dividend per share (βΉ) | 6.00 | 5.50 | 10.00 | 9.00 | 8.00 | 7.00 | 6.50 |
| Book value per share (βΉ) | 418.44 | 401.34 | 761.30 | 708.07 | 697.01 | 674.38 | 617.15 |
Similar companies to Jio Finance
Jio Finance has 3 listed similar companies in our database, 3 of them funded. They include FlexiLoans, Clix Capital and InCred.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| flexiloans.com | 2016 | Mumbai, India | $96.88M | 624 | Business loans and financial products for MSMEs are provided. | |
| clix.capital | 2016 | Gurugram, India | $69.52M | 1,742 | Lending platform for consumers and businesses is provided. | |
| incred.com | 2016 | Mumbai, India | $320.39M | 2,161 | Financial services are provided, specializing in personal and business loans. |
Detailed similar companies of Jio Finance
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Jio Finance
The website of Jio Finance (jiofinance.in) receives about 35.7K visits a month and ranks #946,522 among all websites worldwide, #8,625 in Investing.
- Monthly visits35.7K
▲ 16.3% vs previous month
- Unique visitors17.2K
per month
- Global rank#946,522
among all websites
- Category rank#8,625
Finance · Investing
- Bounce rate47%
- Pages per visit1.9
- Average visit1 min 12 sec
- DevicesDesktop 48% Β· Mobile 52%
Websites whose visitors overlap most with Jio Finance. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| jfs.in | 100% | 71.9K | #362,712 | View details | |
jiobank.in | jiobank.in | 95% | #314,072 | β | |
| groww.in | 89% | 60M | #754 | View details | |
jiocredit.in | jiocredit.in | 86% | #99,924 | β | |
| miraeassetfin.com | 84% | 58.1K | #696,690 | View details | |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
All 9 similar websites and full traffic analytics for Jio Finance
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 9 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in Alternative Lending
3 companies that operate in the same segment as Jio Finance (Alternative Lending) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 185.7 M | 2,787 |
Unlock complete access to The Company Check
Get unrestricted viewing across everything we track β from companies and brands to investors, funding rounds, acquisitions, financials, and more.
- Unlimited viewing on all profiles Companies, investors, financials, funding, acquisitions & directors
- Full access to every database India & global coverage, advanced filters and rich profile details
- Always-on access from your team account Single premium plan for everything you see on the portal
Related news about Jio Finance
Complete news archive for Jio Finance
Full article history, source details, and older brand coverage require an active premium plan.
- Full article archive
- Source and publication date
- Older coverage
- Brand-specific news history
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Jio Finance
Jio Finance was founded in 2000.
Jio Finance is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Neeraj Dhawan is the CEO of Jio Finance, as recorded in our data.
The primary company behind Jio Finance, Reliance Industries Limited, reported revenue of βΉ547,779 Cr for FY 2026, up 10% year on year.
Jio Finance was established in 2000 in Mumbai, India, as a fintech platform. A variety of financial products and services are delivered, including loans, insurance, and digital payment solutions. Operations function through a holding company structure, spanning transactions, borrowings, investments, and protection areas. The focus remains on addressing financial requirements within the evolving sector.
Jio Finance's top competitors include InCred, FlexiLoans and Clix Capital.
Jio Finance offers Loan Application Service.
Yes, Jio Finance is publicly traded on NSE under the ticker symbol RELIANCE.
Jio Finance is associated with 3 legal entities: Reliance Industries Limited, Jio Credit Limited, Jio Financial Services Limited.
The legal entities of Jio Finance currently have 29 directors, including Sunil Mehta, Kusal Roy, Pradnya Nandkumar Saravade and others.
