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JIOFIN — JIO FIN SERVICES LTD

Structural concernsWeak profitabilityInstitutions reducing stake

Price History

Data as of 26 Jun 2026· via fincrux

How JIOFIN has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Lower end of its 12-month range14% of range

Trading about 28% below its 12-month high — historically cheaper territory for this stock. It sits below its 200-day average, the longer-term trend.

₹224 low₹333 high
vs 50-day avg
−0.3%
vs 200-day avg
−11.9%
Beginner mode
Plain English, with everything explained

JIOFIN

NSE

JIO FIN SERVICES LTD

Financials / NBFC

₹239.43
0.00%
last close
0%
Quality Score
Several red flagsBig money selling

JIO FIN SERVICES LTD clears only 1 of 3 checks. The numbers flag real concerns — exactly the kind of thing that gets lost in exciting news or social-media buzz. Tread carefully.

Company size
₹155762.00 Cr
Price tag
229.0×
Money it earns
2.5%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.00goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 2.5%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Divergent

Professional investors have been reducing their stake recently.

FII+DII 25.0%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • JFSL was originally incorporated as Reliance Strategic Investments Private Limited in July, 1999 under the Companies Act 1956. Jio Financial Services Limited was incorporated in July, 23. JFSL is a NBFC-ND-SI register…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What JIOFIN owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings0743000
Equity Capital226,3536,3536,353
Reserves2,22624,05218,08418,63222,952
Total Assets2,22824,80324,47425,09629,436
Total Liabilities2,22824,80324,47425,09629,436

Loan book steady

Borrowings have stayed broadly steady over the retained years. For a financial company that reflects a stable funding base.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for JIOFIN — does it earn money consistently?

Potential turnaroundPotential turnaround (pattern in the data)

Profit dipped in the middle years and has been recovering in the most recent ones. That's a pattern in the data, not a forecast.

₹168 Cr
₹31 Cr
₹382 Cr
₹549 Cr
₹681 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹149 Crrev ₹45 Crrev ₹638 Crrev ₹806 Crrev ₹949 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about JIOFIN — observations, not recommendations.

Strengths

3
  • Borrowing is well within the relaxed range we use for financial companies.
  • Recent results show a return to profit after weaker years — a turnaround pattern in the data.
  • Sits in the lower part of its 12-month range — historically cheaper territory for this stock.

Risks

2
  • Profit generated from the money invested has been on the weaker side.
  • Large professional investors have been trimming their stake recently.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
11.6%-0.2 pp
DII· Domestic institutions
13.3%-1.4 pp
Sep '25Dec '25Mar '26Apr '26

Sector Peers

How others in Financials / NBFC score on the same four guardrails.

  • BAJAJFINSVBAJAJ FINSERV LTD.100
  • BAJFINANCEBAJAJ FINANCE LIMITED69
  • CHOLAFINCHOLAMANDALAM IN & FIN CO69
  • SHRIRAMFINSHRIRAM FINANCE LIMITED69
  • PFCPOWER FIN CORP LTD.69
View the full sector