App Profile: JioFinance

Introducing JioFinance, your one-stop app for fast and secure UPI payments, seamless bill payments, mutual fund investments and personalized finance management. Invest in mutual funds backed by global experts, avail new home loan, smooth home loan transfers, link all your mutual funds, access loans against property and loans on shares & mutual funds — all with best-in-class terms.

Take control of your finances with Jio Payments Bank & secure savings account, featuring biometric authentication for mPIN and a debit card. Easily track your expenses, pay credit card bills, recharge mobiles,
and buy insurance tailored to your needs. JioFinance empowers you to handle all your financial needs digitally and effortlessly!

Seamless UPI
- Easy online payments while online shopping, food ordering, travel bookings, etc
- Scan QR codes & pay offline merchants like kirana stores, restaurants, petrol pumps, pharmacies seamlessly
- Link RuPay credit card and make quick merchant payments
- Send money to your friends, cab-driver, milkman or anyone using mobile number or UPI ID
- Make cross-border payments with UPI International

Simplified Banking experience
- Open a zero balance digital savings bank account instantly in just 3 simple steps
- Transfer funds securely to any other bank account using NEFT or IMPS
- More secured with mPIN & biometric authentication
- Get a physical debit card
- Easy account management services

Easy Bill payments
- Now link and manage all your bills from one place and get due bill reminders to never miss out on any bill
payment
- Instant FASTag, credit cards, DTH and mobile recharges to have uninterrupted experiences

Mutual fund investing with JioBlackRock
- Invest in mutual funds combining global expertise with sharp local insights
- Direct mutual funds at zero commissions, designed to keep costs low
- Start SIPs or one-time investments with as low as ₹500
- Track fund performance and returns with ease

Loans
- Get easy Loan against Mutual Funds, Shares and Property, Home Loan and Home Loan Balance Transfer, just
in a few clicks

Loans against Shares & Mutual funds
- 100% digital, seamless and easy process for quick finance
- In a matter of minutes you can now pledge your securities
- That’s not all, you don't have to pay the loan interest on full amount at once. You will pay interest only on the
utilized amount
- Eligibility of this loan is open to all salaried as well as MSME customers
Highlights -
Finance Amount: ₹25,000 to ₹1 Cr
Repayment Tenure: 3 years
Rate of Interest : Flat 9.9 - 9.99%
Processing Fees: Flat 0.50% of sanctioned loan amount Incl. of Taxes
Illustration -
For ₹1,00,000/- borrowed & fully utilized at a monthly interest rate of only 0.825% for 12 months (interest rate on
actual utilization amount annualized at Flat 9.9%), the payable amount would be: Processing fee of ₹500 (Flat
0.50%) , Other charges at ₹1000 (Annual maintenance charges levied at the end of each year : 1%) and
Interest ₹9900. The total amount to be paid back to Jio Credit Ltd after a year will be ₹1,11,400.

Loans against Property
- Get upto 10 crore loan amount
- Rate of interest starting from 9%*
- Repayment Tenure - 3 years to 15 years

My Money
Link and view all your bank accounts and mutual funds in one place and analyse all your income and expenses
with My money on JioFinance

Insurance
Compare a range of Health, Car, Two-wheeler and Life insurance plans offered by multiple insurers

Jio Gold
- Buy Gold anywhere, anytime, any value (min value: ₹10) at the tip of your fingers
- 100% secure; Storage in insured Brinks vaults.
- Exchange for cash or physical gold anytime you need
- 24 Karat (99.5% purity) Digital Gold
- Live market prices ensure price transparency

Jio Gold SIP
- SIP on 24K gold using UPI AutoPay - daily / weekly / monthly
- Flexibility: Users have complete control with options to sell gold for cash or redeem it in physical forms
Note: JioBlackRock refers to Jio BlackRock Mutual Fund.