New Delhi: Jio Financial Services Limited (JFSL) on Thursday announced the launch of an all-new JioFinance app, pitching it as an “intelligent digital marketplace for Bharat” that leverages artificial intelligence to deliver hyper-personalised financial services.
The platform is being rolled out through JFSL’s wholly owned subsidiary, Jio Finance Platform and Service Limited (JFPSL), and will initially be available under an exclusive early-access initiative titled ‘Finsider’.
AI-led financial marketplace
Unlike conventional fintech apps that list financial products in a static format, the JioFinance app uses Agentic AI and neural networks to tailor offerings in real time. The company said the platform is powered by a network of 15 AI agents and around 70 decision-making engines that assess a user’s intent, eligibility and financial profile before presenting recommendations.
The digital storefront aggregates products across the JFSL ecosystem and partner institutions, including home loans, loans against securities, personal loans, credit cards, insurance, UPI services, mutual funds, fixed deposits, digital gold and tax planning tools.
The app will also offer access to asset and wealth management products through JFSL’s joint venture with BlackRock under the Jio BlackRock brand.
Personalisation at the core
JFSL said the new interface eliminates the “one-size-fits-all” model by dynamically customising each user’s home screen. The app includes a natural language chat interface allowing customers to type financial queries directly instead of navigating multiple tabs.
An integrated rewards ecosystem, JioPoints, will allow users to earn redeemable points on transactions, replacing traditional scratch-card style incentives.
Upcoming features
The company plans to introduce a Financial Fitness Score to assess users’ financial health based on spending, borrowing, insurance cover, wealth creation and tax compliance. A “Personal CFO for Bharat” feature is also in the pipeline, designed to offer actionable guidance and automated execution of recurring payments and investments.
Hitesh Sethia, Managing Director and CEO of JFSL, said intelligent finance should be a “basic right” and the platform aims to remove friction in navigating complex financial products.
Competitive landscape
The move comes amid intensifying competition in India’s digital finance ecosystem, where super apps, banks and fintech players are vying to build integrated platforms spanning payments, lending, investments and insurance.
With its AI-first positioning and integrated financial stack, JioFinance signals JFSL’s ambition to create a full-spectrum financial services marketplace anchored in data-driven personalisation.
Shares of JFSL are listed under the trading symbol JIOFIN on the exchanges.