Aditya Birla Capital Limited – Investor Presentation Summary

Key Operational Highlights

  • Total lending portfolio of ₹2,19,289 crore (↑32% y-o-y & ↑6% q-o-q)
  • Total AUM of ₹7,52,745 crore (↑36% y-o-y)
  • Life insurance first year individual premium of ₹952 crore (↑20% y-o-y)
  • Health insurance gross written premium of ₹2,196 crore (↑50% y-o-y)
  • 1,759 branches across businesses providing omnichannel architecture

Key drivers of operational performance: Strong digital adoption in customer sourcing and servicing, diversified product portfolio, and multi-channel distribution network.

Segment-wise Performance

NBFC Segment:

  • Lending AUM: ₹1,67,456 crore (↑28% y-o-y, ↑5% q-o-q)
  • PAT: ₹927 crore (↑35% y-o-y)
  • RoA: 2.39%

Housing Finance:

  • AUM: ₹51,833 crore (↑50% y-o-y, ↑9% q-o-q)
  • PAT: ₹233 crore (↑96% y-o-y)
  • RoA: 2.12%

Asset Management:

  • Domestic QAAUM: ₹4,27,675 crore (↑6% y-o-y)
  • Equity QAAUM: ₹1,98,722 crore (↑10% y-o-y)
  • PAT: ₹309 crore (↑12% y-o-y)

Life Insurance:

  • Gross Premium Individual FYP: ↑50% y-o-y
  • Individual FYP: ↑20% y-o-y
  • Net VNB Margin: 15.1% (756 bps improvement y-o-y)

Health Insurance:

  • Combined Ratio: 106% (Q1 FY26: 107%)
  • Market Share: 16.2% (200 bps improvement y-o-y)

Explanation of significant changes in segment performance: Growth across all segments driven by digital transformation, expanded distribution networks, and improved product offerings.

Financial Highlights

Revenue: ₹14,731 crore (↑29% y-o-y)

PAT: ₹1,175 crore (↑40% y-o-y)

Consolidated P&L Breakdown:

  • Aggregate PBT: ₹1,917 crore (↑36% y-o-y)
  • Provision for Taxes: ₹514 crore
  • Minority Interest: ₹228 crore

Standalone Performance:

  • Total income: ₹5,001 crore (↑24% y-o-y)
  • Net Interest income: ₹2,355 crore (↑26% y-o-y)
  • Profit after tax: ₹893 crore (↑32% y-o-y)
  • Return on equity: 16.2% (Q1 FY26: 14.4%)

Drivers of financial performance: Higher revenue growth across all business segments, improved operational efficiencies, and stable asset quality.

Geographical Revenue Split

Not Specified

Balance Sheet Snapshot

Standalone (as of June 2026):

  • Loans: ₹1,57,089 crore
  • Investments: ₹17,859 crore
  • Total assets: ₹1,80,344 crore
  • Borrowings & debt securities: ₹1,42,798 crore
  • Net worth: ₹33,700 crore
  • D/E: 4.24
  • Tier 1 ratio: 15.95%
  • Total CRAR: 18.82%

Financial Health Insights: Strong capital adequacy with improved Tier 1 ratio and CRAR, well-matched ALM profile.

Capex & Cash Flow Health

Not Specified

Strategic & R&D Initiatives

AI Transformation Initiatives:

  • AI for Underwriting & Operations: 20-30% improvement in underwriting productivity
  • AI for Customer Service: 44% customer email serviced through email bot
  • AI for Sales Productivity: 1.2 million queries handled by sales assist bot
  • AI for Marketing: 55.6K marketing collaterals generated
  • AI for Software Development: 80% reduction in TAT for BRD & Test case generation

Business Impact of AI:

  • 2X increase in Contact Center scalability
  • 50% improvement in Agent Productivity
  • ₹1,500+ crore top line impact across Renewal premium, GMV and AUM
  • 90%+ First Call Resolution
  • 10-15% increase in Customer NPS

Expected impact on growth: Significant improvement in operational efficiency, customer experience, and revenue generation across all business segments.

Industry Trends & Business Environment

Not Specified

Management Commentary & Growth Outlook

Life Insurance Growth Target: Grow Individual FYP at 20%+ CAGR over the next three years and keep expanding VNB margin above 20%

Strategic Outlook: Sustain growth momentum while expanding market share and increasing RoA across all business segments through digital transformation and diversified product offerings.