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JIO FINANCIAL SERVICES LTD.

12 August 2026 | 09:59

Industry >> Investment Company

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ISIN No INE758E01017 BSE Code / NSE Code 543940 / JIOFIN Book Value (Rs.) 203.09 Face Value 10.00
Bookclosure 10/08/2026 52Week High 334 EPS 2.36 P/E 105.40
Market Cap. 164451.24 Cr. 52Week Low 223 P/BV / Div Yield (%) 1.23 / 0.24 Market Lot 1.00
Security Type Other

NOTES TO ACCOUNTS

You can view the entire text of Notes to accounts of the company for the latest year
Year End :2026-03 
b) Rights, preferences and restrictions attached to shares

The Company has issued only one class of equity shares having face value of ^10 each. The holder of the equity share is entitled to dividend right and voting right in the same proportion as the capital paid-up on the such equity shares bears to the total paid-up equity share capital of the Company. The dividend proposed by Board of Directors is subject to approval of the shareholders in the ensuing Annual General Meeting. In the event of liquidation of the Company, the holders of equity shares will be entitled to receive the remaining assets after distribution of all preferential amounts of the company in the same proportion as the capital paid-up on the equity shares held by them bears to the total paid-up equity share capital of the Company.

c) During the period of five years immediately preceding the date at which the balance sheet is prepared, the Company has issued and allotted 635,32,84,188 equity shares of ^10 each fully paid at a premium of ^25.70 per equity share without the consideration being received in cash.

Nature and purpose of reserves Capital redemption reserve

Capital redemption reserve (CRR) represents reserve created pursuant to Section 55(2)(c) of the Companies Act, 2013 by transfer of an amount equivalent to nominal value of the preference shares redeemed. The CRR may be utilised by the Company in accordance with the provisions of the Companies Act, 2013.

Securities premium

The amount received in excess of the face value of share capital issued and subscribed is recognised in securities premium. Further it also includes amount of per share value in excess of face value of share capital issued and subscribed pursuant to the scheme of arrangement. The reserve can be utilised only for limited purposes in accordance with the provisions of the Companies Act, 2013.

Capital reserve

Pursuant to the scheme of arrangement the entire pre-scheme paid up share capital stood cancelled on allotment of new equity shares and has been credited to capital reserve. During the financial year ended 31st March 2025, 1,42,565 shares were cancelled and corresponding amount has been credited to capital reserve (Refer note 28).

Statutory reserve fund

Statutory reserve fund represents the reserve created in terms of Section 45-IC(1) of the Reserve Bank of India Act, 1934 (the "RBI Act”). Appropriation from this reserve fund is permitted only for the purposes specified by the Reserve Bank of India.

Retained earnings

Retained earnings represents the surplus in the statement of profit and loss and net of amount of appropriations made to/from retained earnings.

Remeasurement of defined benefit liability

Remeasurement comprises of gains and losses resulting from experience adjustments, return on plan assets and changes in actuarial assumptions. These are recognised directly in other comprehensive income during the period in which they occur and are presented separately under reserve and surplus.

Money received against share warrants

The Company, on 3rd September, 2025, had allotted 25 crore warrants each at a price of ^316.50 per warrant aggregating up to ^15,825 crore, by way of preferential issue on private placement basis, to Sikka Ports & Terminals Limited and Jamnagar Utilities & Power Private Limited, entities forming part of the promoter group of the Company, upon receipt of ^3,956.25 crore, being 25% of total issue price. The remaining 75% of the total issue price shall be payable by the holders at the time of conversion of the warrant. Each warrant is convertible by the holder thereof on or before expiry of 18 months from the date of allotment into one fully paid-up equity share of ^10 each of the Company at a premium of ^306.50 per share.

27 Segment reporting

The Company is currently engaged primarily in the business of investing in India, which constitutes its sole reporting segment in accordance with Ind AS 108 "Operating Segments.”

28 In terms of the scheme of arrangement between Reliance Industries Limited ("RIL”) and its shareholders and creditors & the Company and its shareholders and creditors, sanctioned by the Hon'ble National Company Law Tribunal, Mumbai bench (NCLT) vide its order dated 28th June, 2023, consequent to the forfeiture and cancellation of 1,42,565 partly paid-up equity shares by RIL with effect from 22nd October, 2024, 1,42,565 equity shares of face value of T10 each of the Company held by "JFSL TRUST-PPS (RIL)” stood cancelled without any consideration and the corresponding Equity Share capital of the Company stood reduced with effect from 22nd October, 2024.

Accordingly, the paid-up Equity Share capital of the Company has been reduced from T6,353.28 crore comprising 6,35,32,84,188 equity shares of T10 each to T6,353.14 crore comprising of 6,35,31,41,623 equity shares of T10 each and correspondingly T0.14 crore has been credited to capital reserve for the year ended 31st March, 2025.

29 Contingent Liabilities and Commitments

T in crore

Particulars

As at As at 31st March, 2026 31st March, 2025

I) Contingent liabilities

Income tax liability*

Ii) Capital commitment

Capital contribution in Jio BlackRock Asset Management Private Limited

2.94 2.94 890.00 -

*Income tax matters are presently under appeal. The Company is contesting these demands and the management believes that its position is likely to be upheld favourably in the appellate process and accordingly no provision is considered necessary. The Company does not expect any outflow in respect of the above contingent liabilities.

The Company has not disclosed fair values for cash and cash equivalents, Bank balances other than cash and cash equivalents, other financial assets, trade payables and other financial liabilities as they are all considered to be of short duration and carrying value are assumed to be approximate to their fair value.

The financial instruments are categorised into three levels based on the inputs used to arrive at fair value measurements as described below

Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities;

Level 2: Inputs other than the quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and

Level 3: Inputs for the asset or liability that are not based on observable market data (unobservable inputs)

There were no transfers between Level 1, Level 2 and Level 3 of the fair value hierarchy.

Valuation Methodology

All financial instruments are initially recognised and subsequently re-measured at fair value as described below:

The fair value of investment in quoted equity shares, bonds, government securities, treasury bills, certificate of deposit, commercial paper and mutual funds are measured at quoted price or NAV.

C) Financial Risk Management
Risk Management Framework:

The Company's Board of Directors has overall responsibility for the establishment and oversight of the Company's risk management framework. The Board of Directors has established the Group Risk Management Committee (GRMC), which is responsible for overseeing the development and monitoring of the Company's risk management policies, processes and activities. The Committee reports regularly to the Board of Directors on its activities. Furthermore, to support the GRMC in executing risk strategies across the organization, the Company has established various management-level committees, including the Asset Liability Management Committee (ALCO), Operational Risk Management Committee (ORMC), Fraud Monitoring Committee (FMC) and Investment and Lending Committee (ILC). Risk management involves identifying, measuring, monitoring and managing risks on a regular basis. To achieve this objective, the Company employs leading risk management practices and recruits experienced people.

The Company's risk management policies are established to identify and analyse the risks faced by the Company, to set appropriate risk limits and controls and to monitor risks and adherence to limits. Risk management policies and systems are reviewed regularly to reflect changes in market conditions and the Company's activities. The Company, through its training and management standards and procedures, aims to maintain a disciplined and constructive control environment in which all employees understand their roles and obligations.

The Audit Committee oversees how management monitors compliance with the Company's risk management policies and procedures and reviews the adequacy of the risk management framework in relation to the risks faced by the Company. The Audit Committee is assisted in its oversight role by internal audit. Internal audit undertakes both regular and ad hoc reviews of risk management controls and procedures, the results of which are reported to the Audit Committee.

The GRMC assists the Board in its oversight of various risks (i) Credit Risk, (ii) Market Risk, (iii) Interest Rate Risk, (iv) Liquidity Risk.

Different type of risk the Company is exposed are as under:

Credit risk

Credit risk is the risk of financial loss to the Company if a customer or counterparty to a financial instrument fails to meet its contractual obligations and arises principally from the Company's receivable from customers, loans and investments in debt securities.

a) Cash & cash Equivalents and other bank balances

The Company holds cash & cash equivalents and other bank balances aggregating T1,027.66 crore (previous year T558.15 crore). The creditworthiness of such banks and financial institutions is evaluated by the management on an ongoing basis and is considered to be good.

b) Investments

The Company had limited its exposure to credit risk by investing in money market instruments that have an investment grade credit rating. The Company monitors changes in credit risk by tracking external credit ratings.

c) Loans

The Company has limited its exposure to credit risk by rendering loans only to its group companies, wherein the company has either control or significant influence

Market risk

Market risk is the risk that changes in market prices, such as foreign exchange rates, interest rates and equity prices will affect the Company's income or the value of its holding of financial instruments.

The market is influenced by domestic/international political, financial and other events occurring on a day-to-day basis. Consequently, the market is constantly volatile and uncertain. The Company has strong treasury philosophies and practices and is well geared to meet the challenges of volatile market conditions.

Interest rate risk

Interest rate risk consists primarily of risk inherent in asset-liability management (ALM) activities and relates to the potential adverse impact of changes in market interest rates on future net interest income (NII). The Company has well-defined treasury policies, systems and controls that guide the asset-liability management processes.

The Company's borrowing for the current year and previous year is NIL from Bank/FI etc.

Liquidity risk

Liquidity risk is the risk of inability of the Company to meet such obligations as they become due without adversely affecting the Company's financial condition. The Company maintains sufficient liquid assets to meet working capital requirements in the form of term deposits with banks and/or in money market instruments which can be liquidated on demand. The Company's financial liabilities consist mainly of accrued expenses and other liabilities which are due within the next twelve months from the reporting date. The Company has sufficient funds to meet all maturing obligations.

31 Capital
a) Capital management

The Company manages its capital and maintains adequate liquidity to meet its obligations while also maximising returns to stakeholders. Capital is managed prudently, with adjustments made as necessary in response to changes in business conditions. In line with RBI CIC guidelines, the Company ensures that its Adjusted Net Worth remains at all times above the prescribed threshold, and that it remains above 30% of the aggregate risk-weighted assets-comprising both on-balance sheet and risk-adjusted off-balance sheet exposures, at all times. Furthermore, the Company is also compliant with the regulatory requirements with respect to our investment and lending activities.

34 As per Indian Accounting Standard 19 "Employee Benefits", the disclosures as defined are given below:

The Government of India, vide notification dated November 21, 2025, has notified the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as "the Labour Codes”), which consolidate and replace existing multiple labour legislations. In accordance with the requirements of Ind AS 19, "Employee Benefits,” changes to employee benefit plans resulting from legislative amendments constitute a plan amendment, necessitating the recognition of any variation in the cost upon such notification. Consequently, the Company has evaluated the impact and restructured its employee compensation framework based on the draft central rules, clarifications and expert advices received on this matter and recognised an amount of ^0.99 crore during the year pertaining to gratuity and leave encashment which has been included under employee benefit expenses in the standalone financial results for the year ended March 31, 2026. As the underlying Rules to the Labour Codes are yet to be notified, the Company will continue to monitor further developments in this regard and consequential adjustments arising in this respect will be given effect to respective subsequent period of determination.

36 Long term contracts

At the year end, the Company did not have any long term contracts including derivative contracts for which there were material foreseeable losses which needs to be provided as required under any law/accounting standards.

37 Other statutory information

(i) Details of benami property held: There are no proceedings which have been initiated or pending against the company for holding any benami property under the benami transactions (Prohibition) Act, 1988 and rules made thereunder.

(ii) Security of current assets against borrowings: There are no outstanding borrowings from banks or financial institutions.

(iii) Willful defaulter: The company has not been declared as a willful defaulter by any bank or financial institution or other lender.

(iv) The Company has not entered into any transaction during the year nor there is any balance outstanding against the companies struck off u/s 248 of the Companies Act, 2013.

(v) There is no charge or satisfaction yet to be registered with Registrar of Companies (ROC) beyond the statutory period.

(vi) Utilisation of borrowed funds and share premium:

(a) The Company has not advanced or loaned or invested funds to any other persons or entities, including foreign entities (Intermediaries) other than normal course of business with the understanding that the Intermediary shall:

(i) Directly or indirectly lend or invest in other persons or entities identified in any manner whatsoever by or on behalf of the company (Ultimate Beneficiaries) or

(ii) Provide any guarantee, security or the like to or on behalf of the Ultimate Beneficiaries.

(b) The Company has not received any fund from any person(s) or entity(ies), including foreign entities (Funding Party) other than

normal course of business with the understanding (whether recorded in writing or otherwise) that the Company shall:

(i) Directly or indirectly lend or invest in other persons or entities identified in any manner whatsoever by or on behalf of the Funding Party (Ultimate Beneficiaries) or

(ii) Provide any guarantee, security or the like on behalf of the Ultimate Beneficiaries.

(vii) The Company has not carried out any such transactions which is are not recorded in the books of account that have been surrendered or disclosed as income during the year in the tax assessments completed under the Income-tax Act, 1961.

(viii) Details of crypto currency or virtual currency: The Company has not traded or invested in crypto currency or virtual currency during the financial year.

(ix) The Company is in compliance with the number of layers prescribed under clause (87) of section 2 of the Companies Act, 2013, read with Companies (Restriction on number of layers) Rules, 2017.

38 Events after reporting date

The Board of Directors of the Company have recommended a final dividend of T0.60 per equity share for the financial year 2025-26, subject to approval of the members in the forthcoming Annual General Meeting of the Company.

39 The figures for the corresponding previous year have been regrouped/reclassified wherever necessary.

40 Approval of financial statements

The Financial statements were approved by the board of directors on April 17, 2026.