..... . VALI disclosures . .....: 17/04/26, Jio Financial Q4 Results Today

Friday, April 17, 2026

17/04/26, Jio Financial Q4 Results Today

The quarterly earnings season (Q4 FY2026) is underway and over 50 BSE and NSE-listed are set to declare their earnings for the fourth quarter ended March 31, 2026, this week.

Mukesh Ambani-led NBFC, Jio Financial Services, is set to announce its January-March period earnings for the fiscal year 2024-25 today, April 17, 2026.

Jio Financial Services Q4 Results 2026 date and time

In an exchange shared earlier on April 13, Jio Financial Services informed the leading stock exchanges - BSE and NSE - that the meeting of the Board of Directors of the company is scheduled on Friday, April 17, 2026, to consider and approve the standalone and consolidated audited financial results of the company for the quarter and year ended March 31, 2026.

"Pursuant to Regulation 29 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please note a meeting of the Board of Directors of the Company is scheduled to be held on Friday, April 17, 2026, inter alia, to: i. consider and approve the standalone and consolidated audited financial results of the Company for the quarter and year ended March 31, 2026…," the NBFC said in the exchange filing.

Jio Financial Services declared its Q3 FY26 results at around 4.30 PM on January 8, 2026. Therefore, it is expected that the company will declare its Q4 FY25 results at around the same time today, April 17, 2026.

Jio Financial Services Dividend in Q4 results FY26

Apart from the quarterly earnings report, the Board of Directors in the meeting scheduled on Friday, April 17, 2026, might also recommend a dividend on equity shares of the company for the financial year ended March 31, 2026. "…recommend dividend on equity shares of the Company for the financial year ended March 31, 2026," it added.

Jio Financial Services Q4 results 2026 preview

Total Income: Rs 817 crore (Q4FY26E) vs Rs 689 crore (Q3FY26) vs Rs 511 crore (Q4FY25); up 60 per cent YoY and 19 per cent QoQ
Net Interest Income (NII): Rs 432 crore (Q4FY26E) vs Rs 292 crore (Q3FY26) vs Rs 268 crore (Q4FY25); up 61 per cent YoY and 48 per cent QoQ
Other Income: Rs 384 crore (Q4FY26E) vs Rs 397 crore (Q3FY26) vs Rs 243 crore (Q4FY25); up 58 per cent YoY, down 3 per cent QoQ
Operating Expenses: Rs 331 crore (Q4FY26E) vs Rs 335 crore (Q3FY26) vs Rs 137 crore (Q4FY25); up 142 per cent YoY, down 1 per cent QoQ
Operating Profit: Rs 485 crore (Q4FY26E) vs Rs 354 crore (Q3FY26) vs Rs 374 crore (Q4FY25); up 30 per cent YoY and 37 per cent QoQ
Provisions & Loan Losses: Rs 33 crore (Q4FY26E) vs Rs 19 crore (Q3FY26) vs Rs 24 crore (Q4FY25); up 36 per cent YoY and 75 per cent QoQ
Net Profit: Rs 412 crore (Q4FY26E) vs Rs 269 crore (Q3FY26) vs Rs 316 crore (Q4FY25); up 30 per cent YoY and 53 per cent QoQ

Jio Financial Services Q4 results 2026 expectations

Strong momentum across businesses expected to continue
Strong lending AUM growth to drive net interest income
Payments Transaction Processing Volume(TPV) likely to remain robust with steady merchant traction
Payments Bank likely to inch closer to profitability
AMC to see AUM growth & new product launches
Digital platform to drive higher monetisation & cross-sell

The company is a key domestic player in the financial services sector. Jio Financial Services was demerged from oil-to-telecom conglomerate Reliance Industries in 2023.

Jio Financial Services Share Price

Shares of Jio Financial Services on Thursday ended at Rs 241.30, down Rs 1.35, or 0.56 per cent, from the previous close of Rs 242.65 on the BSE.

Report by EconomicTimes

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The four important features of Trade Cycle are (i) Recovery, (ii) Boom, (iii) Recession, and (iv) Depression!

The trades cycle or business cycle are cyclical fluctuations of an economy. A full trade cycle has got four phases: (i) Recovery, (ii) Boom, (iii) Recession, and (iv) depression. The upward phase of a trade cycle or prosperity is divided into two stages—recovery and boom, and the downward phase of a trade cycle is also divided into two stages—recession and depression.

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(2) Boom:

The rate of investment increases still further. Owing to the spread of a wave of optimism in business, the level of production increases and the boom gathers momentum. More investment is possible only through credit creation. During a period of boom, the economy surpasses the level of full employment and enters a stage of over full employment.

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The orders for raw materials are reduced on the onset of a recession. The rate of investment in producers’ goods industries and housing construction declines. Liquidity preference rises in society and owing to a contraction of money supply, the prices falls. A wave of pessimism spreads in business and those markets which were sometime before sellers markets become buyer’s markets now.

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There are various types of Banks: PSU Banks, Private Banks, Co-operative/Regional Banks, Small Finance Banks and Foreign Banks. When you deposit money in a bank, let's say the bank gives you an interest rate of 4%. But when the bank lends out this money, they lend it out at say, 12%. The difference of 8% in the above scenario is effectively the profit of the bank! The loans that do not pay interest for 90 days are known as Non-performing Assets. Banks have to provide for such bad loans. Structure of a Bank Asset for a Bank: The asset portion of a bank's capital includes cash, government securities, and interest-earning loans (e.g., mortgages, letters of credit, and inter-bank loans). Liabilities for a Bank: The bank's main liabilities are its capital (including cash reserves and, often, subordinated debt) and deposits. The latter may be from domestic or foreign sources (corporations and firms, private individuals, other banks, and even governments). Banks are required to maintain Liquidity with the Reserve Bank of India: SLR (Statutory Liquidity Ratio): It is the money a bank needs to preserve in the form of cash, gold or government Bonds before providing credit customers. This limitation is added by RBI on banks to make funds available to customers on-demand at your earliest convenience. Banks are required to maintain SLR at 18%. CRR (Cash Reserve Ratio): Banks are required to hold a certain proportion of their deposits in the form of cash. Banks don’t hold these as cash with themselves, but deposit such amounts with RBI / currency chests. CRR rate is at 4.5% currently. Repo Rate: The rate at which the RBI lends short-term money to the banks. The RBI through its Monetary Policy committee changes the repo rate to balance growth and Inflation. Reverse Repo rate: The rate at which banks park their short-term excess liquidity with the RBI. Now let us understand various terminologies for Banks Net Interest Income (NII): This is the spread the bank makes on its lending. It is calculated as Interest Income – Interest Expended Net Interest Margin (NIM): This is the spread the bank makes on its lending. It is the earning which is left after deducting the cost paid to depositors from its yields on Loans. This is denoted in % terms. The formula is Yield on Loans – Cost of funds Capital Adequacy Ratio (CAR): The capital adequacy ratio (CAR) is a measure of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. Essentially, it is the Capital that is available to lend. Tier I Capital – In simple words this capital is freely available with the bank to lend out. Tier II Capital- This is the capital tied up somewhere and is less freely available to lend. In case of an adverse event, the bank can use this capital to lend. Under Basel III norms, a bank’s tier 1+tier 2 capital must be a minimum of 8% of its risk-weighted holdings. The minimum capital adequacy ratio, also including the capital conservation buffer, is 10.5%. Current Account Saving Account (CASA)- There is no interest paid on the Current Account and a small interest rate is paid on a savings account. The combination of both is called CASA which shows the liabilities of the bank on which it pays relatively less interest. Deposits: Bank deposits are a savings product that customers can use to hold an amount of money at a bank for a specified length of time. In return, the financial institution will pay the customer the relevant amount of interest, based on how much they choose to deposit and for how long. Now let us come to NPA. Gross NPA (GNPA): It is the total loans on which no payment has been paid for 90 days or more. GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances. Slippages: Slippages denote the fresh amount of loans that have turned bad in a year. The slippage ratio of a bank is calculated as Fresh accretion of NPAs during the year /Total standard assets at the beginning of the year multiplied by 100. Provisioning Coverage Ratio (PCR): This is the ratio of provisioning to GNPA and indicates the extent of funds a bank has kept aside to cover loan losses. For Instance, a company has GNPAs of Rs 100 and they have set aside 50 Rs, then the PCR is 50%. Net NPA (NNPA): The total figure left after deducting provisions made for bad loans from GNPA. (GNPA – Provisions+upgrades/writeoffs = NNPA) Special Mention Account (SMA) SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days. SMA-1 is a category in which stress with respect to the principal and interest has remained overdue for a period of 30-60 days. SMA-2 is a category in which stress with respect to the principal and interest has remained overdue for a period of 60-90 days

..... . VALI disclosures . .....

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Friday, April 17, 2026

17/04/26, Jio Financial Q4 Results Today

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17/04/26, Trade Set Up for Today

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