Jio Financial launches AI-powered JioFinance app, opens early access programme
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Jio Financial Services has rolled out an AI-powered version of its JioFinance mobile application, calling it a personalised financial marketplace that aims to simplify how users access and manage financial products.
The company said the revamped app is built around a “chat-native, agentic AI” architecture designed to offer tailored financial insights and product recommendations to users. Early access to the platform has been opened through a limited programme that allows users to test the app and provide feedback on its features and interface.
The launch comes as the company continues to expand its digital financial ecosystem across lending, payments, insurance and investment products.
Early access and user feedback programme
As part of the rollout, the company has introduced a limited-time collaboration initiative called “Build with Bharat.” The programme invites users to explore the JioFinance app, share feedback on product development and UI/UX features, and participate in testing the platform’s services.
Participants can perform transactions such as UPI transfers, bill payments or applying for financial products on the app while submitting feedback to help refine the platform. Sign-ups for the programme are open until March 30.
The company is also offering incentives through JioPoints, a reward currency that users can earn by carrying out actions within the app, including routine financial transactions. These points can later be redeemed for brand vouchers, deals and promotional offers.
AI-driven financial marketplace
According to the company, the JioFinance app is designed to function as an intelligent marketplace that aggregates a range of financial services on a single platform. The AI system analyses user behaviour and preferences to surface relevant financial products and insights.
The platform aims to simplify financial decision-making by providing personalised recommendations while allowing users to execute transactions directly through the app.
Growth momentum in core businesses
The move also comes at a time when the company is scaling up its operating businesses. For the quarter ended December 2025, Jio Financial Services reported a consolidated net profit of ₹269 crore, while total income more than doubled year-on-year to ₹901 crore, driven by growth in lending, payments and asset-management operations.
The company’s lending arm has been expanding rapidly, with assets under management rising 4.5 times year-on-year to ₹19,049 crore, while its payments bank and transaction processing businesses have also seen major growth.