Aditya Birla Capital Ltd
BSE:540691
Aditya Birla Capital Ltd
Aditya Birla Capital Ltd., a prominent name in the Indian financial services landscape, operates as the holding company for the financial services businesses of the Aditya Birla Group. Its journey is a testament to strategic diversification within the financial sector, encompassing a wide array of services including life insurance, health insurance, asset management, wealth management, securities broking, and more. The company serves as a one-stop financial solution provider, catering to individuals and businesses alike, driving comprehensive financial planning and wealth creation across customer segments. This approach not only solidifies its position within the Indian market but also offers it expansive opportunities to scale and adapt to the evolving financial needs of its clientele.
What sets Aditya Birla Capital apart is its commitment to leveraging synergies within its diverse portfolio of services. By pooling expertise and resources, it creates an ecosystem where cross-selling and up-selling become potent tools, maximizing value from each customer relationship. The company's revenue streams are thus diversified, drawing from premiums in its insurance arms, management fees from its asset management services, commissions from advisory and wealth management, and interest income from lending operations. This multifaceted approach not only ensures resilience against market volatilities but also fosters an environment ripe for sustainable growth, aligning with its strategic vision of delivering superior value to stakeholders.
Aditya Birla Capital Ltd., a prominent name in the Indian financial services landscape, operates as the holding company for the financial services businesses of the Aditya Birla Group. Its journey is a testament to strategic diversification within the financial sector, encompassing a wide array of services including life insurance, health insurance, asset management, wealth management, securities broking, and more. The company serves as a one-stop financial solution provider, catering to individuals and businesses alike, driving comprehensive financial planning and wealth creation across customer segments. This approach not only solidifies its position within the Indian market but also offers it expansive opportunities to scale and adapt to the evolving financial needs of its clientele.
What sets Aditya Birla Capital apart is its commitment to leveraging synergies within its diverse portfolio of services. By pooling expertise and resources, it creates an ecosystem where cross-selling and up-selling become potent tools, maximizing value from each customer relationship. The company's revenue streams are thus diversified, drawing from premiums in its insurance arms, management fees from its asset management services, commissions from advisory and wealth management, and interest income from lending operations. This multifaceted approach not only ensures resilience against market volatilities but also fosters an environment ripe for sustainable growth, aligning with its strategic vision of delivering superior value to stakeholders.
Profit Growth: Consolidated profit after tax (excluding exceptionals) rose 41% YoY and 15% QoQ to INR 983 crores.
Revenue Surge: Total consolidated revenue increased 30% YoY and 14% QoQ to INR 14,181 crores.
Strong Lending Momentum: NBFC portfolio grew 24% YoY to INR 1.48 lakh crores; HFC portfolio surged 58% YoY to INR 42,204 crores.
Asset Quality: Continued improvement in Stage 2 and Stage 3 ratios across lending businesses; well-contained credit costs at 1.23%.
Capital Infusion: Aditya Birla Housing Finance to receive INR 2,750 crores primary capital from Advent International, valuing the business at INR 19,250 crores post-money.
Insurance and AMC Growth: Life insurance individual first year premium up 19% YoY; health insurance gross written premium up 39% YoY; AMC AUM up 20% YoY.
Profitability Expansion: Life insurance VNB margin expanded by 380 bps YoY to 14.2%; housing finance ROA rose to 1.96%.
Guidance: NBFC expects to maintain 24–25% loan growth, with plans to double the loan book in three years.
