JioFinance app gets two new features to make finance smarter: JioFinance plus and JioFinance360
Mumbai, September 10, 2026: Jio Finance Platform and Service Limited (JFPSL), a wholly-owned subsidiary of Jio Financial Services Limited (JFSL), today announced the launch of JioFinance+ and JioFinance360 on the JioFinance app. The two novel initiatives that have been rolled out are designed to help customers better understand and improve their financial health, and unlock greater value with each transaction through enhanced rewards.
JioFinance+: Unmatched benefits with every transaction
JioFinance+ is a comprehensive first-of-its-kind membership programme that offers exclusive benefits across eligible financial products on the JioFinance marketplace.
A key feature of JioFinance+ is its value-back model, where a portion of the platform commission earned
on eligible marketplace transactions is shared with customers as direct benefits, making financial
transactions on the JioFinance app even more rewarding.
Available complimentary for the first 365 days as an introductory offer, JioFinance+ delivers tangible value-back across core product lines:
● Assured Cash Valueback: Up to ₹5,000 on Personal Loans, up to ₹1,000 on Credit Cards.
● Precious Metal Bonus: An extra 1% JioGold on lump-sum purchases of ₹2,500 and above.
● Accelerated JioPoints: 25% extra JioPoints across all eligible platform transactions.
JioFinance360: A smart report card for your financial health
Managing personal finances often involves multiple bank accounts, investments, loans, insurance policies and recurring expenses spread across different platforms. JioFinance360 on the JioFinance app brings these diverse parts of an individual’s financial profile onto a single, easy-to-understand financial health assessment platform. As an industry-first proposition, it consolidates data across multiple sources—covering both assets and liabilities—into a single personalised financial report, available to users at no cost. By combining Large Language Models (LLMs) to summarise fragmented and complex data, along with an intelligent rule-based insight engine, JioFinance360 will provide users with personalised, actionable recommendations precisely when they need them.
At the heart of the experience is a personalised Financial Health Score for every user (ranging between 0 and 100). The Financial Health Score for each user is derived by evaluating their financial fitness across five key pillars:
● Spending: Tracks cash flow dynamics by evaluating spend-to-income ratio, emergency fund buffers, and savings consistency with insights designed to highlight any surpluses, changes to spend patterns, and flag hidden charges and recurring subscriptions to stop income leakage.
● Borrowing: Stay on top of your loans by monitoring your fixed obligations per month, and credit score history trends with actionable insights to potentially boost your credit score.
● Wealth: Measures long-term wealth creation through your investment ratio and a dedicated Portfolio Quality Score, which evaluates portfolio performance, cost, and asset allocation (as per your investment preferences). Insights can help eliminate portfolio redundancies like mutual fund overlaps or even flag a dropping investment rate.
● Protection/Insurance: Evaluates insurance adequacy by calculating ideal life and health coverage needs and highlighting coverage gaps.
● Tax: Simplifies tax planning by tracking filing status and providing insights on potentially unutilised tax-saving opportunities.
Commenting on the launch, Surbhe S Sharma, Chief Executive Officer, Jio Finance Platform and Service Limited said, “The launch of JioFinance+ and JioFinance360 is a pivotal step in our mission to democratise access to intelligent finance for every Indian at scale. With JioFinance+, we are pioneering the most comprehensive membership model that shares a portion of our platform commission revenue directly with customers as value-back on each eligible transaction. This reflects our deep commitment to shared growth, fostering lasting relationships with our customers, and bringing down transaction costs for the end-customer; even as JioFinance360 enables them to get a comprehensive and granular snapshot of their financial health, and encourages them to take necessary steps to ensure their long-term economic well-being.