Key Financial Performance

Consolidated Performance (Q2 FY27):

  • Revenue: ₹16,545 crore (31% year-on-year growth)
  • Profit After Tax: ₹1,288 crore (38% year-on-year growth)
  • Total Lending Portfolio: ₹2,33,930 crore (32% year-on-year growth, 7% quarter-on-quarter growth)
  • Total AUM: ₹12,33,906 crore (116% year-on-year growth)

Business-wise Profitability (Q2 FY27 vs Q2 FY26):

  • Lending (excluding HFC): ₹1,352 crore vs ₹956 crore (41% growth)
  • HFC: ₹335 crore vs ₹194 crore (73% growth)
  • Asset Management: ₹296 crore vs ₹316 crore (6% decline)
  • Life Insurance: ₹85 crore vs ₹67 crore (27% growth)
  • Health Insurance: ₹27 crore vs ₹105 crore (74% decline)

Standalone NBFC Performance (Q2 FY27):

  • Total Income: ₹5,211 crore (24% year-on-year growth)
  • Net Interest Income: ₹2,475 crore (23% year-on-year growth)
  • Profit Before Tax: ₹1,660 crore (35% year-on-year growth)
  • Profit After Tax: ₹1,237 crore (35% year-on-year growth)
  • Return on Equity: 15.9%

Standalone Balance Sheet (September 2026):

  • Loans: ₹1,65,729 crore
  • Investments: ₹18,066 crore
  • Total Assets: ₹1,90,321 crore
  • Borrowings & Debt Securities: ₹1,50,402 crore
  • Net Worth: ₹35,182 crore
  • Debt-to-Equity: 4.28
  • Tier 1 Ratio: 15.63%
  • Total CRAR: 18.76%

Business Segment Performance

NBFC Segment:

  • AUM: ₹1,76,557 crore (26.5% year-on-year, 5.4% quarter-on-quarter growth)
  • Retail, SME & HNI Loans: ₹1,20,171 crore (31% year-on-year, 5% quarter-on-quarter growth)
  • NII: ₹2,488 crore (24.7% year-on-year, 4.6% quarter-on-quarter growth)
  • PBT: ₹1,352 crore (41.4% year-on-year, 10.7% quarter-on-quarter growth)
  • GS2 & GS3: 2.31% (72 bps year-on-year improvement, 12 bps quarter-on-quarter improvement)
  • RoA: 2.45%
  • Branches: 485 as of September 2026

Housing Finance:

  • PAT: ₹260 crore (73% year-on-year growth)
  • RoA: 2.12%
  • AUM: ₹57,373 crore (50% year-on-year, 11% quarter-on-quarter growth)
  • Stage 2+3 Loans: 0.65% (45 bps year-on-year improvement)
  • Stage 3 PCR: 57.0%

Asset Management:

  • Domestic QAAUM: ₹4,41,787 crore (4% year-on-year growth)
  • Equity QAAUM: ₹2,09,230 crore (9% year-on-year growth)
  • Operating Revenue: ₹484 crore (5% year-on-year growth)
  • Profit After Tax: ₹221 crore (8% year-on-year growth)

Life Insurance (H1 FY27):

  • First Year Individual Premium: ₹2,342 crore (25% year-on-year growth)
  • Net VNB Margin: 16.1% (447 bps year-on-year improvement)
  • 13th Month Persistency: 83%
  • 61st Month Persistency: 61%
  • Market Share: 14.2% (70 bps year-on-year improvement)

Health Insurance (H1 FY27):

  • Gross Written Premium: ₹4,543 crore (48% year-on-year growth)
  • Combined Ratio: 107%

Digital and AI Initiatives

The company showcased significant AI adoption across operations:

  • AI for Underwriting & Operations: 30-35% improvement in underwriting productivity
  • AI for Customer Service: 46% customer emails serviced through email bot
  • AI for Marketing: 55,600 marketing collaterals generated
  • AI for Sales: 1.17x sales productivity improvement in HFL, LI & HI
  • AI for Development: 80% reduction in TAT for BRD & Test case generation
  • Top-line Impact: ₹1,597 crore across renewal premium, GMV and AUM

Specific AI Outcomes:

  • NBFC AutoCAM - SME: 80% reduction in FTR & CAM turnaround time, 75% reduction in effort per file
  • Life Insurance Saras: 40% reduction in assessment time per case
  • Health Insurance Gen AI: 35% improvement in underwriter productivity

Distribution Network

  • 1,822 branches across businesses
  • ABCD Platform: 1.32 crore customers acquired, 26+ product categories, 59 lakh VPAs created
  • Pan-India coverage across 19,000+ pin codes

Asset Quality

NBFC Asset Quality (September 2026):

  • Stage 1: 97.69% (₹1,63,805 crore)
  • Stage 2: 1.03% (₹1,731 crore)
  • Stage 3: 1.28% (₹2,148 crore)
  • Stage 3 PCR: 48.4%

Housing Finance Asset Quality (September 2026):

  • Stage 1: 99.35% (₹51,879 crore)
  • Stage 2: 0.29% (₹150 crore)
  • Stage 3: 0.37% (₹192 crore)
  • Stage 3 PCR: 57.0%

Additional Information

  • Conference call scheduled on 30 October 2026 at 16:30 HRS (IST)
  • Results presentation available on company website: https://www.adityabirlacapital.com/investor-relations/quarterly-results
  • Document filed with BSE Limited, National Stock Exchange of India Ltd, Luxembourg Stock Exchange, and other relevant parties