JioFinance

JioFinance is an all-in-one app to manage your money smartly. From secure UPI and bill payments to mutual fund investing and digital gold to loans, insurance, and savings accounts, JioFinance handles all your financial needs with one trusted app.

Pay anyone:
• Fast UPI payments for shopping, food, travel and more
• Link your RuPay credit card with UPI for instant merchant payments
• Make cross-border UPI International payments with ease

Pay all bills:
• Manage all bills with recurring reminders. Pay credit card, utility, gas, and power bills instantly. Recharge mobile, DTH, broadband, and FASTag in one place.

Bank on the go:
• Open a zero-balance digital savings account, offered by Jio Payments Bank Limited
• Transfer funds securely via NEFT or IMPS
• Get a physical debit card for ATM withdrawals and POS shopping

Combine savings and investments:
• Upgrade to Savings Pro: The industry’s first auto-investing account.

Invest in fixed deposits starting at 4%* p.a.:
• Get higher FD interest rates from across small finance banks and NBFCs
• Enjoy instant FD booking with fast and secure KYC
* Interest rates are subject to change.

Invest with JioBlackRock:
• Invest in mutual funds with global expertise and local insights, offered by JioBlackRock
• Start SIPs or one-time investments starting at just ₹500
• Zero-commission direct mutual funds designed to keep costs low
• Track fund performance and returns directly on the app

Apply for loans:
• Apply for home loans, balance transfers and loans against property
• Get quick loans against shares and mutual funds through a mostly digital process
• Example: For ₹1 lakh borrowed at 9.9% flat interest, payable after one year = ₹1,11,400 (incl. all charges)

Personal Loans (offered by IDFC FIRST Bank, Fibe (EarlySalary), Bajaj Finance and other partners)
• Loan amount: ₹50,000 to ₹25,00,000
• Tenure: 6 to 60 months
• Interest rate: 10.99% to 35% p.a.
• Processing fee: 0% to 6%
• APR: Up to 30.39%

Example: ₹1,00,000 at 24.49% p.a. for 12 months with a 2.5% processing fee + GST: EMI ₹9,479.69; Total payable ₹1,13,756.27.

Note: Loan terms, interest rates, and processing fees vary by lender and applicant profile. JioFinance only facilitates loans offered by registered banks and NBFCs and does not lend directly. Loan availability may be limited to eligible users.
* JioFinance only provides a platform to facilitate money lending by registered banks or NBFCs. We’re not directly engaged in it. Currently available for limited users.
Buy Jio Gold:
• Buy or sell 24K digital gold anytime (minimum ₹10 investment)
• Secure storage in insured vaults (Brinks)
• Start a digital gold SIP with daily, weekly or monthly autopay
• Redeem for cash or physical gold anytime
• Invest in pure gold without worrying about storage or safety

Plan and file taxes:
• Plan your taxes with JioFinance and compare between old and new regimes
• File your taxes by going the DIY route or using expert assistance
• Tax fil