Good evening, everyone. My name is Jill Deviprasad, and I'm the Head of Investor Relations for Jio Financial Services Limited. On the declaration of the results for the quarter and financial year ended March 31, 2025, it gives me immense pleasure to welcome the analysts, investors, and our colleagues to this virtual meeting. We have with us today our MD and 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 the 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. A very warm welcome to Jio Financial Services Q4 FY2025 and full year FY2025 earnings presentation. We are pleased to share with all of you the achievements and incredible progress made over the last financial year. In fiscal 2025, we leveraged the strong operational foundation built in 2024 FY across people, process, technology, and governance to drive exceptional execution and significant growth across Jio Financial Services. This year was defined by product launches in quick succession, a strategic expansion of our distribution network, and the growing adoption of the Jio Finance app, our intuitive digital platform central to our retail strategy. The groundwork has begun, translating into sustainable momentum in operating performance. In FY2025, we earned an income of INR 349 crore from our core business operations, up 101% year-on-year. This comprises interest income from Jio Finance Limited and Jio Payment Bank Limited, and fees and commission income from Jio Payment Solutions Limited, Jio Insurance Broking Limited, Jio Payment Bank Limited, and Jio Finance Limited. The company also reported a healthy pre-provision operating profit of INR 1,594 crore for FY2025, including investment income and dividend income. To support our growing scale across businesses, we also made equity investments of INR 1,346 crore in our group entities, including Jio Finance Limited, Jio Payment Bank Limited, and the joint ventures with BlackRock for asset management and wealth management, to enable these entities to expand their market presence. Our shareholders have been a firm pillar of support, empowering us to pursue our mission of building a strong and successful financial service institution. Acknowledging the significant role that our shareholders played, the board of directors of the company have recommended a dividend of INR 0.5 per equity share with a face value of INR 10. The Jio Finance app, which was launched in May 2024 and integrated with MyJio in September 2024, is a testament to our commitment to user-friendly design catering to all generations. It has rapidly achieved significant traction and crossed 8 million monthly active users across our digital platforms in March 2025. This robust engagement demonstrates the app's strong appeal. Based on valuable user feedback, we are now developing an enhanced version of this app, which will be released later this year. Moving on to the various businesses, the NBFC, Jio Finance Limited, or JFL, has grown its assets under management significantly to INR 10,053 crores as of March 31, 2025, compared to INR 173 crores as of March 31, 2024, and INR 4,199 crores as of December 31, 2024. The AUM is a combination of several secured lending products and wholesale lending solutions catering to both retail and enterprise customers. Jio Payment Bank Limited, or JPBL, has seen substantial growth in its customer base, which has tripled year-on-year to 2.31 million, and deposits also have tripled to INR 295 crores. In March this year, we signed an agreement to acquire State Bank of India's remaining stake in Jio Payment Bank. This transaction is subject to regulatory approvals. A key highlight for our payment solutions business was the receipt of the online payment aggregator license. Lastly, Jio Insurance Broking Limited, or JIBL, has tied up with 34 insurers. JIBL currently offers as many as 61 plans across life, health, and motor insurance directly to customers. We will now take a detailed look at the five key areas: product, distribution, technology, data intelligence, and people, which we believe are very critical to our success. In FY2025, we launched a diverse set of products catering to the four core needs of customers: the need to borrow, need to transact, need to invest, and need to protect. Through the Jio Finance app and MyJio, we offer convenient financial solutions to customers spanning payments, banking, loans, insurance, and investment options like digital gold. A key feature of the app is My Money, which is a streamlined personal finance manager helping customers keep track of their expenses and investment portfolio. In FY25, we also focused on growing our digital and physical distribution footprint to cater to a large cross-section of customers. As mentioned earlier, on the digital front, the Jio Finance app was launched in Q1 FY25 and integrated with MyJio in Q2 FY25. Our marketing agreement to leverage the group's ecosystem's expansive customer base through contextual marketing campaigns is helping us reach customers with targeted offerings relevant for them, thereby driving adoption. The launch of Jio SoundPay, an innovative way of receiving audio UPI alerts on the Jio Bharat feature phone, is helping us reach and onboard small merchants for our payment solutions business. During the year, we also began leveraging the vast distribution network of our group ecosystem to distribute retail lending products. Simultaneously, we expanded our physical presence to 10 Tier 1 cities and will continue to focus on cities with strong demand for credit. Lastly, during FY2025, JPBL's business correspondent network has been expanding rapidly, growing around 6x year-on-year to over 14,000 business correspondents, extending our reach into the underserved areas of the country. Moving on, this slide showcases our target customer segments and JFSL's strategic approach to achieve its mission of becoming a trusted financial companion across every touchpoint, addressing the four core needs of customers, which are borrowing, transacting, investing, and protection. Our operating entities—JFL, JIBL, JPSL, and JPBL—alongside our AMC, Wealth, and Broking Joint Ventures with BlackRock, which are pending regulatory approvals, strategically position us to offer solutions accessible to a wide cross-section of Indian consumers across economic segments. Moving forward, as a digital-first financial service provider, technology that is agile and scalable is core to our business. We made significant strides in this area in FY25, focusing on building a lean and efficient infrastructure. The implementation of new systems in our lending business, the replatforming of our payment solutions tech architecture, and the unified tech stack across JFSL are mission-critical achievements. These initiatives, driven by our core technology tenets, including fit for purpose, SaaS-first, reliability and availability, and zero-ops, position us for great operational efficiency and provide a strong platform for future growth and innovation. We are building a future-proof tech infrastructure by embracing modern, cost-effective, open-source technologies, ensuring rapid adoption to market changes and customer needs while avoiding the pitfalls of legacy systems. Moving forward, at Jio Financial Services, our commitment is to deliver simple yet intelligent financial services—the right product to the right customer through the right channel at the right time. This is powered by a sophisticated data intelligence architecture. We have built a robust infrastructure layer that seamlessly integrates diverse data sources, which includes bureau, account aggregator, alternate data, and proprietary data within the regulatory guardrails. This comprehensive data is then processed and analyzed using advanced analytics and AI, all within a strong data governance framework. This intelligence framework yields us tremendous strategic advantages: highly relevant customer offerings, enhanced user experiences, early detection of potential defaults, and very significantly improved operational efficiencies. By harnessing the power of data within regulatory boundaries, we deliver simple, intuitive financial solutions that drive customer delight and cost-effective operations. Our people are core to our long-term business, and ownership mindset is a drive for execution excellence and a digital-first approach formed the core of JFSL's talent DNA. We have strategically brought together experienced leaders from traditional banking, agile NBFCs, and innovative fintechs, enabling us to tackle challenges from multiple perspectives and deliver exceptional results. Our agile organization structure is further strengthened by our diverse yet lean talent pool of around 1,000 team members across all legal entities of the JFSL group. To enhance our adaptability and build truly world-class capabilities, we are also proactively integrating gig workers and welcoming global talent into our fold. This dynamic approach ensures we remain nimble and responsive in a rapidly evolving market. Now, let's take a more detailed look at each of our businesses, starting with the NBFC, Jio Finance Limited, or JFL. Reflecting the growing scale of our lending arm, JFL's AUM of INR 10,053 crore as of March 31, 2025, representing a 139% sequential growth. Our retail AUM comprises both organic growth and direct assignments, with a focus on prime and near-prime retail customers. Similarly, our wholesale lending segments target only high credit-rated companies. This disciplined approach ensures a high quality and a well-diversified loan portfolio. JFL now has a comprehensive portfolio of secure products to meet the diverse needs of our customers. This includes corporate offerings such as vendor financing, working capital loans, term loans, and factoring, as well as retail products such as home loans, loan against property, loan against mutual funds, and loan against shares. To enhance our customer reach, we have expanded our distribution via persona-based acquisition campaigns, a physical presence in 10 cities, and by leveraging the group's ecosystem distribution network. We are also tapping external go-to-market channels such as digital real estate marketplaces for home loans, tie-up with wealth management firms and banks for distributing loan against securities, and forging direct institutional sales and channel tie-ups. Moving on, JPBL is committed to providing accessible and inclusive banking services to all nationwide. Our target customer segment encompasses both urban and rural users. For urban consumers, Jio Payment Bank Limited serves as a valuable secondary account, streamlining their finances and offering access to a wide range of financial services. For rural customers, it acts as a primary bank account, fulfilling core banking needs through our assisted digital channels. To serve these diverse needs, we offer a comprehensive suite of products, including various savings account options, physical and virtual debit cards, domestic money transfer, and Aadhaar-enabled Payment System. With a significant growth in our business correspondent network, which enables us to serve customers across the country, we have seen meaningful expansion in our customer base, which has reached 2.3 million, and deposits have also grown to INR 295 crore. Now, turning to Jio Payment Solutions Limited. This subsidiary delivers a comprehensive suite of payment solutions for merchants and retail customers, covering online, in-store, offline, and remote transactions. Driven by significant technological advancements this past year, Jio Payment Solutions Limited is strategically positioned to pursue a diversified distribution strategy: micro and small merchants onboarding through Jio Bharat phones, dedicated engagement channel for large clients, and leveraging the group's ecosystem to acquire enterprise clients. Jio Payment Solutions Limited's focus remains on profitable growth while expanding margins and maintaining unit-level profitability. Our joint venture with BlackRock for asset management, wealth management, and securities broking promises to bring world-class investment solutions to the people of India at a time when financialization of savings is continuing to gain momentum. In the asset management business, we have filed for and are awaiting final approval from the regulator. We have onboarded the senior leadership and core business teams, and our unified investment platform and infrastructure deployment is near complete. The asset management business is ready for launch with a well-defined product roadmap and go-to-market strategy. In the wealth management and broking parts of the JV, we have incorporated Jio BlackRock Investment Advisors Private Limited and Jio BlackRock Broking Private Limited and filed applications for the registered investment advisor license and broking license with the securities regulator. We are actively recruiting the senior leadership for all these businesses. Serving our customers' core financial needs holistically also creates cross-sell and upsell opportunities within our business. The JFSL group leverages initial customer touchpoints to cultivate awareness and adoption of its broader financial product range. Starting with any JFSL product, it opens the door for customers to explore our full range of offerings across payment, insurance, investment, and lending products. Towards this, necessary customer data platforms and unified customer identification systems are being put in place. A very powerful flywheel effect is created, where increased product adoption builds momentum, leading to deeper engagement, greater loyalty, and advocacy, which then propels customer acquisition and sustainable and profitable growth. To conclude, when I think about where we started and where we are headed, our progress so far fills me with a sense of purpose and optimism. Our aspiration is very clear: to become one of the leading companies in financial services, both in terms of meaningful market share as well as return ratios, reflecting the strength and sustainability of our business model. The way forward is continued focus and disciplined execution, scaling our business, optimizing our product stack, and delivering digital experiences that rival the best in the world. All of this, of course, will be done within the guardrails of robust governance and compliance. We are deeply committed to doing the right thing always, with transparency, responsibility, and integrity at the core of every single thing that we do. Finally, I would like to express my sincere gratitude to our Board of Directors for their steadfast guidance, to our investors for their continued trust, and last but not least, to my colleagues whose commitment and passion drive our progress every single day. Together, we are laying the foundation for a new kind of financial service institution, one that is digital-first, customer-centric, and built truly for the long term. Thank you. Now, I would like to hand it over to Abhishek Pathak, our Group CFO, who will take you through our financial highlights for the year. Thank you, Hitesh. Good evening, everyone. A warm welcome to you all for the review of our performance for the fourth quarter and full year ended March 31, 2020. I will start with some comments on the business and then dive into the financial performance. FY 2024-2025 has been an exceptional year for Jio Financial Services Limited, characterized by robust growth and operational excellence as we scaled our business operations while targeting profitable unit economics. This was also supplemented by a strategic infusion of INR 1,346 crore as equity during the year in our operating entities, namely Jio Finance Limited, Jio Payment Bank Limited, and our JVs with BlackRock for asset management and wealth management. Our focus on strong governance, hiring top-tier talent, and implementing a modern, cost-efficient tech and data architecture is now reflecting in our performance. Our NBFC, Jio Finance Limited, closed the financial year with an AUM of over INR 10,000 crore. This year also marked the successful closure of the NBFC's maiden debt issue of INR 1,000 crore at a very competitive rate of interest. JFSL's Board of Directors approved the acquisition of State Bank of India's remaining stake in Jio Payment Bank Limited for INR 105 crore, and this transaction is currently awaiting regulatory approval. Jio Payment Bank is a strategic asset for JFSL, driving customer acquisition, engagement, and retention. Finally, the Board of Directors of Jio Financial Services Limited has recommended a dividend of INR 0.5 per share for the year ended March 31, 2025. This dividend distribution reflects our commitment to the principle of return on capital and our ongoing efforts to create shareholder value. Moving on, as you are 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, Jio Insurance Broking Limited, or JIBL, Jio Payment Solutions Limited, or JPSL, Jio Leasing Services Limited, or JLSL, Jio Finance Platform and Services Limited, Jio Payment Bank Limited, or JPBL, our JV with SBI. Our joint ventures with BlackRock, Jio BlackRock Asset Management Private Limited, and Jio BlackRock Investment Advisors Private Limited. During the quarter, we incorporated Jio BlackRock Broking Private Limited as a wholly owned subsidiary of Jio BlackRock Investment Advisors Private Limited to offer broking services subject to regulatory approval. Further, the consolidated financial statements also include the results of the following entities, namely Reliance Industrial Investments and Holdings Limited, or RIIHL, which is an investment holding company and wholly owned subsidiary of Jio Financial Services Limited, 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 in accordance with Ind AS 110. Each entity operates under an independent role with strong governance. Jio Financial Services Limited ensures effective oversight through group-level compliance, audit, and risk functions. Moving on to the financial performance for Q4 FY2025 and full year FY2025, our financial results for this period are prepared in compliance with Indian accounting standards as prescribed by the Ministry of Corporate Affairs. I will first start with the fourth quarter. JFSL's consolidated total income for the quarter was INR 518 crores versus INR 418 crores in Q4 FY2024 and INR 449 crores in Q3 FY2025. The consolidated total income for Q4 FY2025 comprised of the following: interest income of INR 276 crores, which comprises of interest earned on our lending operations and interest income from our treasury operations; net gain on fair value changes on money market and liquid mutual funds of INR 178 crores; fees and commission income of INR 39 crores on account of fees received by the insurance broking and payment service businesses. The company's total expenses, including provisions for Q4 FY2025, was INR 168 crores as compared to INR 103 crores in Q4 FY2024 and INR 131 crores in Q3 FY2025. Provisions on account of ECL increased to INR 24 crores in Q4 FY2025 from INR 12 crores in Q3 FY2025, in line with our growing operations of JFSL. Excluding provisions, total expenses increased on a quarterly basis primarily due to higher expenses associated with scaling of our businesses. The company's pre-provisioning operating profit, or PPOP, stood at INR 374 crore in Q4 FY2025 versus INR 317 crore in Q4 FY2024 and INR 330 crore in Q3 FY2025. Shares of associates and joint ventures stood at INR 46 crore in Q4 FY2025 versus INR 78 crore in Q4 FY2024 and INR 59 crore in Q3 FY2025. It may be noted that this includes JVs with BlackRock, which were incorporated during the course of this financial year and are yet to commence operations. Consolidated profit after tax in Q4 FY2025 stood at INR 316 crore versus INR 311 crore in Q4 FY2024 and INR 295 crore in Q3 FY2025. On a quarter-on-quarter basis, increase in total income was partially offset by higher expenses, including provisions, and a lower share of associates and joint ventures. Moving on to the consolidated financial performance for the year ended March 31, 2025, consolidated total income for the year increased to INR 2,079 crores from INR 1,855 crores last year. This comprised the following: interest income of INR 853 crores on interest-bearing assets and investments. Of this, INR 167 crores was on account of interest earned by JFSL on its loan book, and the rest was on account of interest income from treasury operations. Dividend income of INR 241 crores received on shares of Reliance Industries held by RIIHL. Fees and commission income of INR 155 crores on account of fees received by insurance broking and payment solution business. Net gain on fair value changes on money market and liquid mutual funds of INR 794 crores. Notably, the interest income generated by our lending operations underscores the increasing scale of this business segment. Our treasury operations also demonstrated strong performance during the quarter and the year, effectively managing market uncertainties. The total expenses during the quarter, including provisions of INR 40 crores, was INR 525 crores as compared to INR 327 crores in FY 2024. The rise in total expenses was mainly attributable to higher employee costs and other operating expenses. The strategic spend, especially on technology, is part of our building blocks we are putting in place across all our entities and is critical to ensure long-term competitiveness. Accordingly, pre-provisioning operating profit stood at INR 1,594 crores in FY 2025 versus INR 1,530 crores in FY 2024. Share of associates and joint ventures declined to INR 393 crores in FY 2025 versus INR 428 crores in FY 2024. As highlighted earlier, this includes JVs with BlackRock, which were incorporated during the course of this financial year and are yet to commence operation. To sum up, the increase in total income was offset by higher expenses, including provisions, and lower share of associates and joint ventures. Consequently, our consolidated profit after tax stood at INR 1,613 crore versus INR 1,605 crore in FY 2024. Now, moving on to the balance sheet items, JFSL's consolidated net worth stood at INR 1.23 lakh crore as of March 31, 2025, and consolidated total assets stood at INR 1.34 lakh crore with total consolidated total investments of INR 1.19 lakh crore. One of our greatest strengths is a well-capitalized and resilient balance sheet, which provides a solid foundation for sustained growth. It positions us to confidently scale our operations, invest in innovation, and pursue strategic opportunities that align with our long-term vision. Now, moving on to our standalone financial performance for the fourth quarter of the financial year ended March 31, 2025, standalone total income in Q4 FY2025 was INR 175 crores versus INR 141 crores in Q4 FY2024 and INR 148 crores in Q3 FY2025. Total expenses, including provisions for Q4 FY2025, was INR 49 crores as compared to INR 37 crores in Q4 FY2024 and INR 48 crores in Q3 FY2025. On a standalone basis, the profit after tax of the company for Q4 FY2025 was INR 97 crores versus INR 78 crores in Q4 FY2024 and INR 75 crores in Q3 FY2025. Moving on to the standalone financial performance for the financial year ended March 31, 2025, standalone total income in FY2025 was INR 839 crores versus INR 639 crores in FY2024. It is to be noted that in Q2 FY2025, Jio Financial Services Limited received dividend income of INR 235 crores from Reliance Industrial Investments and Holdings Limited. Total expenses, including provisions for FY2025 on a standalone basis, was INR 186 crores as compared to INR 117 crores in FY2024. As mentioned earlier, the increase in expenses was an 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 for FY2025 stood at INR 549 crores versus INR 383 crores in FY2024. Moving on to the balance sheet items, the company's standalone total assets as of March 31, 2025, stood at INR 25,096 crores with a total investment of INR 22,706 crores. Standalone net worth stood at INR 24,985 crores as of March 31, 2025. To sum it up, we are pleased with the significant progress made in FY2025. Despite being in the formative stage of our journey, we continue to deliver profitable growth in FY2025. While pursuing growth, our strategic focus has been on leveraging our cost levers and achieving profitable unit-level economics within a robust risk management framework and prudent regulatory guardrails. I would like to conclude by thanking our shareholders for their continued support as we progress further towards building a strong New Age financial institution. Thank you. Thank you, Hitesh and Abhishek. 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.