Good evening, everyone. My name is Jill Devi prasad, and I'm the Head of Investor Relations for Jio Financial Services Limited. On the declaration of the results for the second quarter, ended September 30, 2024 for FY 2024/2025, i t gives me immense pleasure to welcome the analysts, investors, and our colleagues to this virtual meeting. We have with us today our MD & CEO, Mr. Hitesh Sethia, and our Group Chief Financial Officer, Mr. Abhishek Pathak. In this call, all participants will be in a listen-only mode. The earnings presentation is uploaded on our website, www.jfs.in, and on the stock exchanges. Before I hand over the call, I would like to read out the safe harbor statement. This presentation contains forward-looking statements, which may be identified by their use of words like plans, expects, estimates, or other words of similar meaning. All statements that address expectations or predictions about the future, including but not limited to, statements about strategy for growth, product development, market position, are forward statements based on rationale and data. Actual results may vary materially given market circumstances. I will now hand over the call to Hitesh to discuss the business in detail. Thank you, Jill. Good evening, everyone. I would like to extend a warm welcome to all those joining this earnings call today. At the outset, let me wish you all a very happy festive season from all of us here at JFSL. We are delighted to discuss with you some significant business updates and the progress made by JFSL on operational execution during the second quarter of financial year 2025. The Indian economy remains resilient and has exhibited robust growth. To support the growth aspirations of young and growing country, the demand for all forms of financial services remains encouraging. At JFSL, we have embarked on a mission to provide the people of India access to seamless and digital-first financial services. For this, we are leveraging a deep understanding of the Indian consumer, state-of-the-art technology, data analytics, and a wide direct-to-customer distribution. Here you can see a snapshot of JFSL's key consolidated financials for the second quarter and first half of FY 2025. For Q2 FY 2025, the company reported a total consolidated income of INR 694 crores, and a profit after tax of INR 689 crores. For the six months ended September 30th, 2024, your company has reported a total consolidated income of INR 1,112 crores, and a profit after tax of INR 1,002 crores. With a well-capitalized net worth of INR 1 lakh, INR 37,144 crores as on September 30th, 2024, we have a robust balance sheet to pursue our growth aspirations. This slide is a snapshot of the strong execution momentum underway, which showcases multiple product launched in the market during Q2 FY 2025. From loan on mutual funds to home loans and corporate lending, and from life insurance and general insurance under our insurance broking entity, to salary accounts in the payment bank, we have substantially ramped up our product portfolio to cater to the diverse financial needs of our customers. I'm happy to report that the initial feedback to these products has been very encouraging, and there are more launches in the pipeline for the ensuing quarters. Being a digital-first financial service player, our JioFinance app is a very important enabler of our mission. It serves as our digital storefront for our customers across different business lines of JFSL. True to our mission of democratizing access to financial services, JioFinance is positioned as a generational app, which is easy and intuitive enough to be used by customers across all generations. We launched a beta of the app on May 30th 2024 and ran a campaign thereafter to gather customer feedback, which was used to further enhance the user experience of the app. The result of this entire exercise is the new and improved JioFinance app, rolled out on October 10th. I'm very happy to report that around 6.5 million users experienced JFSL's new age financial services on our digital platform, and these numbers are only growing as we speak. The growth in our user base is also being supported by the integration of JioFinance app with MyJio, which was completed during Q2 FY 2025. This means that all the users of MyJio app now have access to JFSL's range of financial services, thereby expanding the customer funnel for the company. In Q1 2025, even when the app was in beta mode, we had launched, we had products available on it, such as loan on mutual funds, savings account, UPI, bill payments, and auto and two-wheeler insurance. In Q2, we have added many more products, such as home loans, including balance transfer, loan against property, UPI International, account aggregator for multiple bank accounts and mutual fund holdings, biometric-enabled payments, and addition of credit card billers for leading banks. Moving forward, we mentioned earlier that JFSL's aim is to be a trusted financial companion for customers across every touch point in their financial journey and cater to their core financial needs across four categories: borrow, transact, invest, and protect. Before we get into the details of each of our subsidiaries, here is a snapshot of how we are well-placed to cater to the evolving needs of our customers across the four categories, through subsidiaries focused on specific financial service verticals. Our ability to serve these core financial needs of customers is strongly supported by our foundational principles of four Rs, which is reputation above all, regulatory adherence in letter and spirit, return of capital, and return on capital. These principles guide every decision that we take and provide a very strong foundation for sustainable growth. Now, coming to specific subsidiaries and their businesses, starting with Jio Finance Limited, or JFL, our NBFC. A diverse array of products are now available for retail and corporate customers through JFL, which has built a loan book of INR 1,206 crores as on September 30th, 2024. On the retail side, in addition to loan on mutual funds, we also now offer home loans, including balance transfers, loan against properties, and loan on securities. All these products are available at very competitive terms, and I'm sure our customers will find our value proposition attractive. We are also present in the market with a suite of tailored corporate finance solutions, including vendor financing, working capital loans, term loans, and invoice factoring. These are helping enterprises grow their business through easy access to timely credit. On the leasing business, Jio Leasing Services Limited continue its ship leasing operations through the JV with Reliance Strategic Business Ventures Limited, based out of the GIFT City. Moving on to Jio Payments Bank, or JPBL. JPBL continue to offer convenient savings bank account-related services to Indians and increase the base of CASA customers to 1.5 million. With a revamped tech stack, customers can now fully open a digital savings bank account in under five minutes and avail services, including secure biometric-based authentication and virtual, as well as physical RuPay Platinum debit cards. JPBL savings account is helping customers streamline and declutter their financial statements by allowing them to make routine recurring transactions through this account, thereby reducing the volume of transactions that show up on their regular savings bank account statements. At the same time, the JioFinance app also gives customers the convenience of viewing their holdings across different bank accounts and mutual funds through a single aggregate view, helping them manage their finances easier. Business Correspondent or BC network across the country, with a base of 3,000 such BCs by the end of Q2 FY 2025, and this network is being scaled up further as we speak. Turning to Jio Payment Solutions or JPSL. JPSL has seen a number of new features being added to make payments easier for merchants and retail customers alike. These include enabling recurring payments on payment gateways, onboarding small merchants in under 10 minutes, and bank account verification solutions. Credit card billers from leading banks were also added to the JioFinance app during the quarter, along with mobile recharge facility for Airtel and Vodafone customers, in addition to Jio subscribers. In the pipeline for JPSL, upcoming features such as NEFT and RTGS payment solutions for B2B invoice payments and brand EMIs are on the roadmap. Moving on to Jio Insurance Broking Limited, or JIBL. In Q2 FY 2025, JIBL commenced distributing health insurance and life insurance directly to customers through the digital channel and expanded partnership with insurers for auto and two-wheeler insurance. JIBL is now offering as many as 24 insurance plans digitally across life, health, two-wheeler, and motor insurance directly to customers through the JioFinance app and the website jioinsure.in. Overall, a comprehensive range of insurance products are now easily available to customers through tie-ups with 31 leading insurance providers across life, health, and general insurance, and across three distribution channels. That is, direct to customer, embedded and ecosystem sales, and lastly, institutional sales. JIBL also continued to be on a strong growth trajectory in terms of enabling extended warranty on consumer durables and devices with over a million devices covered till date. With respect to institutional channel, the growth momentum has been very encouraging with onboarding of some large and mid corporates, and employee benefit portal was also launched during the quarter for these institutional clients. Overall, this business is making good progress in terms of tapping into increasing demand for insurance in the country by ensuring a steady supply of tailored, bespoke insurance products. Regarding our JV with BlackRock for investment solutions, we are very happy to share that on October 3rd 2024, the regulator has granted JFSL and BlackRock in-principle approval to sponsor a mutual fund, subject to certain customary requirements being fulfilled. This is a very important milestone for us towards getting the final approval for setting up a world-class asset management company in the country, which will offer innovative and digital-first solutions to Indians. We are making good progress in this JV with respect to hiring the right talent, deploying the technology infrastructure, and firming up the product roadmap and go-to-market strategy, so that we can offer innovative and digital-first investment solutions to our customers. During the quarter, we also incorporated Jio BlackRock Investment Advisors Private Limited, another 50/50 JV with BlackRock. This entity will eventually offer wealth management services to customers. To conclude, as you can see, we have made considerable progress during the quarter gone by when it comes to launching new products in the market. Going forward, we are confident of sustaining this momentum with new products being rolled out over the successive quarters. Along with that, we will also further strengthen the digital distribution of products and services through JioFinance App and MyJio, reaching out to our new customers. We are also leveraging data analytics to sharpen the targeting of customers based on their ability and intent to consume different types of financial services and optimize the proposition for them as we continue this journey. This, we believe, shareholders, will help us serve our customers seamlessly and effectively. Thank you very much. Now, I would like to invite Mr. Abhishek Pathak, our Group CFO, to provide a comprehensive overview of our financial performance. Abhishek, over to you. Thank you, Hitesh. Good evening, everyone, and season's greetings from all of us at JFSL. As Hitesh mentioned, the quarter ended September thirtieth, 2024, has been a significant one in terms of strong operational execution, characterized by the launch of new products as well as expansion of our direct-to-customer digital distribution through our JioFinance app. Moving on, I'm pleased to present the financial highlights for the second quarter ended September 30th, 2024, prepared in compliance with Indian accounting standards as prescribed by the Ministry of Corporate Affairs. As you're aware, JFSL is a holding company and consolidates the results of its various operating entities with itself. This includes the consumer-facing entities, namely Jio Finance Limited or JFL, Jio Insurance Broking Limited or JIBL, Jio Payment Solutions Limited or JPSL, Jio Payments Bank or JPBL, our JV with SBI, Jio Leasing Services Limited or JLSL, and Jio Finance Platform and Services Limited. Further, the consolidated financial statements also include the results of three more entities, namely Reliance Industrial Investments and Holdings Limited or RIIHL, which is an investment holding company and a wholly-owned subsidiary of JFSL, Reliance Services and Holdings Limited or RSHL, which has been accounted for as an associate, and Reliance International Leasing IFSC Limited or RILIL, an entity based out of GIFT City, SEZ in Gujarat, which has been accounted for as a joint venture with Reliance Strategic Business Ventures Limited in accordance with Ind AS 110. All these entities are managed by independent boards with a robust governance structure. As part of the governance framework, JFSL has also established comprehensive group-level compliance, audit, and risk functions for effective oversight and monitoring. During the quarter under review, two new entities were incorporated: Jio Finance Platform and Services Limited, a wholly owned subsidiary for distribution of financial products and allied services, and Jio BlackRock Investment Advisors Private Limited, a 50/50 JV with BlackRock, which will provide investment advisory services subject to regulatory approvals. Further, the company received approval from Department of Economic Affairs, Ministry of Finance, to increase the aggregate limit for foreign investments in the company, including foreign portfolio investment up to 49% of its paid-up equity share capital on a fully diluted basis. Coming to the financial performance now. JFSL's consolidated total income for the quarter was INR 694 crores, as compared to INR 418 crores in the preceding quarter and INR 608 crores in the same period last year. This comprised the following: interest income of INR 205 crores on interest-bearing assets and investments, predominantly income from our treasury book. Dividend income of INR 241 crores received on shares of Reliance Industries Limited, held by RIIHL. Fees and commission income of INR 41 crores on account of fees received by our insurance broking and payment services businesses. Net gain on fair value changes on money market and liquid mutual funds of INR 207 crores. The overall improvement in systemic liquidity and corresponding fall in yields led to higher gains on our treasury book. The company's total expenses during the quarter, including provision of INR 4 crores, was INR 146 crores as compared to INR 71 crores in the year ago period and INR 79 crores in the first quarter of FY 2025. This was largely on account of increase in employee cost and other operating expenses pursuant to scaling up of our operations. The total expenses also include CSR expense of INR 14 crores in Q2 FY 2025. Share in associates and joint ventures increased to INR 225 crores in Q2 FY 2025, from INR 218 crores in the corresponding period of FY 2024, and INR 62 crores in the first quarter of FY 2025. This was primarily on account of the dividend received by RSHL on its investment in RIL shares. Accordingly, the consolidated profit after tax for the quarter stood at INR 689 crores, as compared to INR 313 crores for Q1 FY 2025, and INR 668 crores in the same period last year. Now moving on to the balance sheet items. JFSL's consolidated net worth stood at INR 1.37 lakh crores as on September 30th, 2024. Consolidated total assets stood at INR 1.44 lakh crores, with a consolidated total investments of INR 1.37 lakh crores. During the quarter under review, the [audio distortion] 8.95% to 82.17%. Also, our leasing services subsidiary, JLSL, invested INR 67.50 crores in RILIL. Now moving on to the standalone financial performance. Standalone total income for the quarter ended September 30th, 2024, was INR 383 crores, compared to INR 134 crores in the preceding quarter, and INR 149 crores in the same period last year. As indicated earlier, the total income is represented by interest income or interest-bearing investments, net gain on fair value changes on money market and liquid mutual fund investments, fee and commission income, and dividend income. The total income for the quarter also includes a dividend income of INR 235 crores received from RIIHL. Total expenses, including provision for the quarter on a standalone basis, was INR 55 crores, as compared to INR 36 crores in Q1 FY 2025, and INR 25 crores in Q2 FY 2024. As mentioned earlier, this was on account of an increase in employee costs and other expenses in line with our operational scale-up. On a standalone basis, the profit after tax of the company during the quarter was INR 305 crores, as compared to INR 72 crores for the preceding quarter and INR 89 crores in the corresponding quarter last year. The company's standalone total assets as of September 30th, 2024, stood at INR 24,889 crores, with total investments of INR 23,952 crores. Standalone net worth stood at INR 24,813 crores as of September 30th, 2024. Even as we continue our good growth journey by accelerating product rollouts and overall operational execution, our endeavor continues to be optimization of the cost-to-income ratios across entities by leveraging a modular and scalable technology stack and harnessing JFSL's group synergies. I would like to conclude by thanking all of you for your continued support as we strive to create value in each of us, in each of our businesses, and value for each of our stakeholder. With this, I would like to hand over the call to Jill. Thank you so much for your time. Thank you, Hitesh and Abhishek, and thank you everyone for joining this call. As we conclude our earnings call, we invite you to explore the detailed earnings presentation available on our website and the stock exchanges. Have a good one. Thank you.