Jio Financial Services Share Price Target 2025, 2026, 2030, 2040, 2050
The journey of Jio Financial Services began with the Reliance Group. Known initially as Reliance Strategic Investments Private Limited, the company was established in 1999. In 2023, Reliance Industries separated its financial services business and rebranded it as Jio Financial Services Limited (JFSL). The company aims to provide finance, lending, and insurance services focusing on digital innovation. It is registered under RBI as a Non-Banking Financial Company (NBFC-ND-SI) and caters to individuals and businesses.
This blog will provide the details of Jio Financial Services Share Price targets as far as 25 years from now (2025 – 2050) based on its fundamentals, market position, and growth potential.
What is Jio Financial Services Ltd NSE: JIOFIN?
JFSL operates through its key subsidiaries, which offer different financial services. Jio Finance Limited provides home loans, MSME loans, and vendor financing. Jio Payments Bank and Jio Payment Solutions provide digital payment services and banking facilities. Jio Insurance Broking includes life, health, and general insurance solutions. Jio BlackRock provides investment and wealth management services through a partnership with BlackRock. The JioFinance app brings all these services under one platform, enabling users to manage their financial needs conveniently from their smartphones.
Fundamental Data
| Parameter | Value |
|---|---|
| Market Cap | ₹1,40,725 Cr. |
| High / Low | ₹395 / ₹199 |
| Stock P/E | 87.6 |
| Industry P/E | 20.2 |
| Book Value | ₹216 |
| Price to Book Value | 1.01 |
| Dividend Yield | 0.00% |
| ROCE | 1.55% |
| ROE | 1.27% |
| Debt | ₹0.00 Cr. |
| Net Profit | ₹1,607 Cr. |
| PBT Ann | ₹1,956 Cr. |
| EPS | ₹2.53 |
| Promoter Holding | 47.1% |
| Current Liabilities | ₹124 Cr. |
| Current Assets | ₹5,352 Cr. |
| Net Cash Flow Previous Year | ₹56.1 Cr. |
| Graham Number | ₹111 |
Peer Comparisons
| S.No. | Name | P/E | Market Cap Rs.Cr. | Dividend Yield % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Bajaj Finance | 32.64 | 521355.10 | 0.42 | 4308.19 | 16.70 | 18035.11 | 27.33 | 11.92 |
| 2 | Bajaj Finserv | 34.04 | 291885.82 | 0.06 | 4411.89 | 3.40 | 32041.81 | 10.34 | 11.72 |
| 3 | Jio Financial | 87.58 | 140725.23 | 0.00 | 294.78 | 0.33 | 438.35 | 5.98 | 1.55 |
| 4 | Bajaj Holdings | 17.57 | 131839.15 | 1.09 | 1749.97 | 6.32 | 126.33 | 16.92 | 13.07 |
| 5 | Cholaman.Inv.&Fn | 30.20 | 122903.72 | 0.14 | 1088.21 | 24.79 | 6732.98 | 34.46 | 10.41 |
| 6 | Shriram Finance | 14.91 | 121096.74 | 1.39 | 3248.64 | 18.22 | 10698.31 | 19.90 | 11.27 |
| 7 | Muthoot Finance | 18.37 | 87320.39 | 1.11 | 1363.09 | 32.69 | 4423.46 | 39.64 | 13.15 |
| Period | Share Price (INR) |
|---|---|
| Before 6 Months | ₹341 |
| All-Time Max | ₹395 |
The company can show positive movement tomorrow due to the increasing demand for digital finance services. Jio’s business will grow faster by offering loans, digital payments, and insurance services. With Reliance Group’s strong backing, Jio Financial can attract more customers and expand its business across India. The price may fluctuate tomorrow, but the long-term growth potential remains strong.
| Day | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| Tomorrow | -11 from today’s price | +14 from today’s price |
JIOFIN Indicator Based Technical Analysis
NOTE!
Signals may differ across timeframes. If you’re planning to purchase JIOFIN and keep it for more than one week, it’s suggested that you choose signals from weekly and daily timeframes. For trading in the short term, signals that range from 5 minutes to 1-hour timeframes are better appropriate.
The company is expected to grow rapidly by 2025 due to its strong backing from Reliance Industries and the expanding Jio Network. The company offers Digital Financial Services like personal loans, insurance, and digital payments. With India’s growing demand for Secure Financial Solutions, The company will likely gain more customers in urban and rural markets. The company’s JioFinance App makes financial services easy and accessible. The increasing customer base and business expansion are key drivers of this growth.
Our analysis shows that the share price is expected to be between Rs 170 and Rs 290.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2025 | 170 | 290 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| January | 170 | 190 |
| February | 185 | 200 |
| March | 180 | 195 |
| April | 195 | 210 |
| May | 200 | 220 |
| June | 210 | 230 |
| July | 220 | 240 |
| August | 230 | 250 |
| September | 225 | 245 |
| October | 240 | 265 |
| November | 255 | 275 |
| December | 270 | 290 |
By 2026, The company will further strengthen its position as a Digital Payments and Investment Management Market Leader. The company plans to expand its services with personalized financial products using Artificial Intelligence and Blockchain technology. With the launch of Wealth Management services through the Jio BlackRock joint venture, The company is set to attract high-end investors. Its partnerships with fintech startups will also help in providing innovative financial solutions. The growing market influence will significantly enhance its brand value.
Our analysis shows that the share price is expected to be between Rs 275 and Rs 395.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2026 | 275 | 395 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| January | 275 | 295 |
| February | 290 | 310 |
| March | 285 | 305 |
| April | 300 | 320 |
| May | 310 | 330 |
| June | 305 | 325 |
| July | 320 | 340 |
| August | 330 | 350 |
| September | 335 | 355 |
| October | 345 | 365 |
| November | 355 | 375 |
| December | 375 | 395 |
Looking towards 2030, The company will likely become a major player in Global Financial Services with its wide range of products like consumer loans, health insurance, and investment advisory. The company’s expansion into AI-based lending solutions and digital payment infrastructure will play a key role in future growth. The company’s continuous investment in technology and data analytics will help provide personalized services to millions of users. Digital transformation and a growing customer base will drive its success.
Our analysis shows that the share price is expected to be between Rs 750 and Rs 1125.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2030 | 750 | 1125 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| January | 750 | 820 |
| February | 800 | 860 |
| March | 790 | 850 |
| April | 830 | 900 |
| May | 870 | 940 |
| June | 860 | 930 |
| July | 910 | 980 |
| August | 940 | 1010 |
| September | 920 | 1000 |
| October | 970 | 1070 |
| November | 1020 | 1100 |
| December | 1050 | 1125 |
By 2040, The company is expected to dominate Indian and global financial markets with advanced AI and ML-based financial services. The company will likely launch innovative crypto-based payments and blockchain-powered wealth management products. With deeper penetration into the rural market reach, The company will cater to millions of new users. Its partnership with Reliance Retail and Telecom will strengthen its customer acquisition strategy. Leadership in the financial technology sector will boost its growth.
Our analysis shows that the share price is expected to be between Rs 1715 and Rs 2250.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2040 | 1715 | 2250 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| January | 1715 | 1800 |
| February | 1780 | 1850 |
| March | 1750 | 1820 |
| April | 1850 | 1930 |
| May | 1900 | 2000 |
| June | 1870 | 1950 |
| July | 2000 | 2100 |
| August | 2050 | 2150 |
| September | 2020 | 2120 |
| October | 2150 | 2200 |
| November | 2180 | 2230 |
| December | 2200 | 2250 |
By 2050, The company will transform into one of the world’s most prominent Global Financial Services companies. The company will offer fully digital banking solutions, AI-driven investment portfolios, and secure blockchain transactions. Its continuous focus on technology, data privacy, and customer satisfaction will set a new standard in financial services. With the support of Reliance Industries and its wide-reaching Jio Network, the company is set to become a dominant force in the financial world.
Our analysis shows that the share price is expected to be between Rs 3050 and Rs 3800.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2050 | 3050 | 3800 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| January | 3050 | 3200 |
| February | 3150 | 3300 |
| March | 3100 | 3250 |
| April | 3250 | 3400 |
| May | 3350 | 3500 |
| June | 3300 | 3450 |
| July | 3450 | 3600 |
| August | 3550 | 3700 |
| September | 3500 | 3650 |
| October | 3600 | 3750 |
| November | 3700 | 3800 |
| December | 3750 | 3800 |
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
|---|---|---|
| 2025 | 170 | 290 |
| 2026 | 275 | 395 |
| 2030 | 750 | 1125 |
| 2040 | 1715 | 2250 |
| 2050 | 3050 | 3800 |
| Shareholding Pattern | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|
| Promoters | 47.12% | 47.12% | 47.12% | 47.12% |
| FIIs | 15.62% | 16.88% | 17.55% | 19.45% |
| DIIs | 12.46% | 11.39% | 11.79% | 12.50% |
| Government | 0.17% | 0.15% | 0.15% | 0.14% |
| Public | 24.61% | 24.46% | 23.39% | 20.77% |
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Should I Buy Jio Financial Services Stock?
The company has a strong promoter holding at 47.12%, showing solid trust in the company. While FIIs gradually reduce their stake, DIIs and public investors are increasing. The company is now in the financial sector, so it could be a good long-term investment option.
Jio Financial Services Ltd Earning Results (Financials)
| Particulars | TTM | Mar 2024 | Mar 2023 |
|---|---|---|---|
| Sales | 1,968 | 1,855 | 45 |
| Expenses | 437 | 296 | 6 |
| Operating Profit | 1,531 | 1,559 | 39 |
| OPM % | 78% | 84% | 88% |
| Other Income | 435 | 429 | 10 |
| Interest | 0 | 10 | 0 |
| Depreciation | 22 | 22 | 0 |
| Profit before Tax | 1,944 | 1,956 | 49 |
| Tax % | – | 18% | 37% |
| Net Profit | 1,607 | 1,605 | 31 |
| EPS in Rs | 2.52 | 2.53 | – |
| Dividend Payout % | 0% | 0% | 0% |
Expert Forecasts On The Future Of Jio Financial Services Ltd.
The company shows strong profit growth every year. In 2024, the company earned a ₹1,605 crore profit. Experts believe its future is bright due to Reliance’s strong backing. With consistent performance and rising demand for financial services, it can be a good long-term investment.
Is Jio Financial Services Stock Good to Buy? (Bull case & Bear case)
Bullish Case:
- Strong backing from Reliance Group
- Rapid business growth in financial services
- Low debt with high-profit margins
- Future plans in lending & insurance
Bearish Case:
- New company with no long track record
- Falling FII holdings
- High competition from Bajaj Finance & Paytm
Conclusion
Jio Financial Services is a growing company in the finance business, offering loans, insurance, payments, and investment services. Its business will grow long-term with digital lending, the JioFinance app, and BlackRock JV. Its loan, insurance, and payment services will drive fast growth in the short term. If you’re considering an investment, you should read the full article for details about the company’s performance and future stock projections.
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