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Aditya Birla Capital
SectorFinancial Services
Aditya Birla Capital Limited is a holding company for the Aditya Birla Group's financial services businesses. It operates through subsidiaries and joint ventures in various sectors including NBFC, asset management, life insurance, health insurance, housing finance, private equity, general insurance broking, wealth management, broking, online personal finance management, and pension fund management. The company is registered as a Non-Deposit taking Systemically Important Core Investment Company with the Reserve Bank of India. Its key subsidiaries include Aditya Birla Finance Limited, Aditya Birla Housing Finance Limited, Aditya Birla Sun Life AMC Limited, Aditya Birla Sun Life Insurance Company Limited, and Aditya Birla Health Insurance Co. Limited. The company offers services in protecting, investing, financing, and advisory across multiple customer segments.
In the news
Aditya Birla Group's $30 Billion Gamble in a Volatile World
India's Unsecured Credit Cycle: NBFCs Navigate Gold Loan Slowdown
8 Companies Enter ₹1 Lakh Crore Market-Cap Club in Past Year
Gold Loan Boom: Tata Capital, Aditya Birla, Godrej Expand Market
NBFCs Enter Stronger Earnings Cycle with 24% PAT Growth Expected
Aditya Birla Capital shares rise 2.6% on gold loan entry
Aditya Birla Capital enters gold loan market with 1,000 branches plan
NPST Q1 FY27: 75% revenue growth drives 8% stock surge
Aditya Birla Capital Q1 profit jumps 40% to ₹1,175 cr, shares hit record
ABCL targets doubling AUM, ₹1 lakh crore housing finance book
ABCL invests ₹124 cr in health insurance arm via rights issue
B Capital closes Ascent Fund III at $500M targeting AI tech
Kush Bohra Recommends Aditya Birla Capital, IKS & Navin Fluorine
Aditya Birla Capital: Capital Transformation Fuels Growth and Market Cap Milestone
Aditya Birla Capital raises ₹4,000 cr via preferential allotment
Aditya Birla Capital raises ₹4,000 cr for massive growth drive
Aditya Birla Capital EGM approves ₹4,000 cr fundraise
Aditya Birla Grp invests ₹3,080 cr in fin services arm amid DII selling
Aditya Birla Capital Raises ₹4,000 Cr via Preferential Allotment
ABCL raises ₹4,000 cr equity capital from promoters, IFC
The Quarter story
The two most recent quarterly results, compared side-by-side.
Aditya Birla Capital drives strong profitability and asset growth across lending, insurance, and wealth segments.
Health insurance combined ratio improved from 111% to 106% from Q1 FY26 to Q1 FY27, marking a clear underwriting turnaround.
Equity market share fell from 4.19% to 3.97% from Q1 FY26 to Q1 FY27, indicating rising competition in wealth management.
Lending AUM grew from ₹1,31,227 Cr to ₹1,67,456 Cr from Q1 FY26 to Q1 FY27, driving steady credit expansion.
Average lending yield dipped from 12.71% to 12.58% from Q1 FY26 to Q1 FY27, reflecting pricing pressure in the NBFC segment.
Asset management AUM rose from ₹4,07,206 Cr to ₹4,15,868 Cr from Q1 FY26 to Q1 FY27, reflecting consistent investor inflows.
Health insurance bank channel mix dropped from 29% to 24% from Q1 FY26 to Q1 FY27, signaling a strategic shift toward digital sales.
Life insurance net VNB margin climbed from 7.5% to 15.1% from Q1 FY26 to Q1 FY27, boosting new business profitability.
Customer self-servicing adoption increased from 93% to 97% from Q1 FY26 to Q1 FY27, reducing operational overhead.
Company insights, generated from the most recent coverage.
About 74% of cashless health claims route through an AI engine, which compresses claim-handling cost and leakage in the health book that only recently turned profitable.
ABCAPITAL is the group's clearest AI proof point — 13 of 22 planned use cases are live and Gen AI has lifted underwriting productivity 35-40%, a direct margin lever in an NBFC where cost-to-income is the key swing.
Straight-through processing of ~65% of contact-centre calls and 71% of service emails by end-FY26 means servicing scale no longer requires proportional headcount — variable cost per account is structurally falling.