Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q2 FY27 Earnings Presentation
69 slides from Aditya Birla Capital's earnings presentation, Oct 30, 2026
Slide 1: Q2 FY27 Financial Results Investor Presentation
Q2 FY27 FINANCIAL RESULTS INVESTOR PRESENTATION October 30, 2026 A Leading Financial Services Conglomerate 01
Slide 2: Aditya Birla Capital: Diversified Financial Services Platform
Aditya Birla Capital: Diversified Financial Services Platform Promoter & Grasim Industries Promoter Group 53.0% 15.8% Aditya Birla Capital Limited (NBFC-ICC) Listed Listed 86% 51% 45% 46% Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance Insurance 100% AMC
Slide 3: Performance Highlights for Q2 FY27
Performance Highlights for Q2 FY27 03
Slide 4: Consolidated financial performance
Consolidated financial performance Revenue1 at ₹ 16,545 Cr (↑ 31% y-o-y) in Q2 FY27 Profit after tax at ₹ 1,288 Cr (↑ 38% y-o-y) in Q2 FY27 Total lending2 portfolio of ₹ 2,33,930 crore (↑ 32% y-o-y & ↑ 7% q-o-q) Total AUM3 of ₹ 12,33,906 Cr (↑ 116% y-o-y) Life insurance first year individual premium
Slide 5: Strong growth momentum across businesses
Strong growth momentum across businesses Standalone - Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM1 QAAUM Growth2 Premium Growth4 ₹ 1,76,557 crore ₹ 57,373 crore ₹ 4,41,787 crore ₹ 2,09,230 crore Gross Premium Individual FYP 26% y-o-y 50% y-o-y Domestic QAAUM Equ
Slide 6: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) Q2 FY26 Q2 FY27 Y-o-Y 31% y-o-y 16,545 Lending (excluding HFC) 956 1,352 41% 12,007 12,598 HFC 194 335 73% Asset Management 316 296 6% Life Insurance 67 85 27% Q2 FY25 Q2 FY26 Q
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Q2-o-Q2 Interest income 16,150 3,942 4,631 4,884 7,734 9,515 Fee and other income 1,124 271 370 327 521 697 Total income 17,274 4,213 5,001 5,211 8,254 10,211 24% Interest expense 9,112 2,208 2,64
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ₹ crore June-26 Sep-26 Loans 1,57,089 1,65,729 Investments 17,859 18,066 Other financial assets 4,108 5,129 Non-financial assets 1,288 1,396 Total assets 1,80,344 1,90,321 Borrowings & debt securities 1,42,798 1,50,402 Other financial liabilities 3,407 4,205 Non-f
Slide 9: Omnichannel architecture
ADITYA BIRLA CAPITAL Omnichannel architecture 9 Aditya Birla Capital Ltd.
Slide 10: Omnichannel architecture
Omnichannel architecture... ABCD-D2C platform Robust & agile for customers Udyog Plus-B2B digital platforms platform for MSMEs B2D platform for channel partners One ABC 1,015 co-located branches Dedicated customer service locations across 258 locations managers for cross sell One Experience Channel
Slide 11: UDYOG PLUS: Addressing 360o needs of MSMEs
UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Progress Digital Platforms ABG ecosystem ~ 2.42 mn (API, WEB & MOBILE) (API, WEB & MOBILE) Registrations ₹ 7,262 Cr AUM ~53% Contribution to NBFC’s unsecured business loan book ~ 34% Sourcing from ABG Digital Infrastructure Value added service
Slide 12: ABCD: A D2C Omnichannel Platform
ABCD: A D2C Omnichannel Platform 1.32 Cr 26+ 59 Lakh Customers acquired till date1 Product categories VPAs created till date1 26+ product categories to serve the Leveraging AI across the customer lifecycle Finance360 needs of customers Lending Intent Generation Personal Loans, Home Loans, Business L
Slide 13: B2D Platform: Stellar
B2D Platform: Stellar Go –Digital – Upgraded Sales Consolidated SELECT R&R – Point & enablement tool including Dashboard – Business shortfall, Gamification personal website, digicard KPI & Earnings of Rewards Learning & Training – ABC CRM 4 U – Manage the Learning app, Finwise+ & AI lead digitally,
Slide 14: Building ABCL as a Frontier AI Organisation
Building ABCL as a Frontier AI Organisation AI for Underwriting & AI for Top of the funnel AI based Voice bots AI for Sales Productivity Customer engagement Operations • Agentic AI based Underwriting • Multi Agent Voice Bots for lead • Succeedo & Finwise Gen AI • Agentic AI Personalized summary and
Slide 15: Reimagining the Onboarding & Underwriting with AI
Reimagining the Onboarding & Underwriting with AI From assisted processing to faster, more consistent and scalable decisions across lending and insurance SELECTED LIVE OUTCOMES NBFC HOUSING FINANCE LIFE INSURANCE HEALTH INSURANCE AutoCAM - SME Fintellect Saras Gen AI UW Summary Agentic AI led onboar
Slide 16: Business-wise performance
Business-wise performance 16
Slide 17: NBFC
ADITYA BIRLA CAPITAL NBFC 17 Aditya Birla Capital Ltd.
Slide 18: Performance Highlights for Q2 FY27
Performance Highlights for Q2 FY27 AUM Retail, SME & NII2 PBT GS2 & GS33 HNI loans1 ₹ 1,76,557 crore ₹ 1,20,171 crore ₹ 2,488 crore ₹ 1,352 crore 2.31% ↑ 26.5% Y-o-Y ↑ 31% Y-o-Y ↑ 24.7% Y-o-Y ↑ 41.4% Y-o-Y ↓ 72 bps Y-o-Y ↑ 5.4% Q-o-Q ↑ 5% Q-o-Q ↑ 4.6% Q-o-Q ↑ 10.7% Q-o-Q ↓ 12 bps Q-o-Q 485 branches
Slide 19: Strong Growth in AUM
Strong Growth in AUM… AUM (₹ crore) Sep’25 Jun’26 Sep’26 Sep’26 Mix Q-o-Q Y-o-Y Unsecured business 13,663 18,780 20,910 12% 11% 53% Secured business 63,869 76,319 80,209 45% 5% 26% Total Business loans 77,532 95,099 1,01,119 57% 6% 30% Personal & Consumer loans 18,218 23,267 24,955 14% 7% 37% Corpor
Slide 20: Portfolio Mix
Portfolio Mix Personal & Consumer 7% q-o-q 37% y-o-y Secured business 5% q-o-q 26% y-o-y 24,955 80,209 23,267 LAS 76,319 Consumer Loan 5% 6% 21% 18,218 TL / WCDL 63,869 20% Personal Loan 6% LRD 17% 18% 19% 95% 94% 21% 2% 3% LAP 94% 4% 58% 58% 59% Sep-25 Jun-26 Sep-26 Sep-25 Jun-26 Sep-26 Unsecured b
Slide 21: Well Diversified Product Portfolio
Well Diversified Product Portfolio Segment Personal & Consumer Unsecured Business Secured Business Corporate / Mid-Market Presence Semi-urban Semi-urban Semi-urban / SME Clusters Top 6-7 Cities DSA : Direct : Digital :: DSA : Direct : Digital :: Sourcing Mix1 DSA : Direct :: 36 : 64 Direct :: 100% 1
Slide 22: Strong Digital Adoption in Customer Sourcing and Servicing
Strong Digital Adoption in Customer Sourcing and Servicing- Customer EMIs Collected Digital Service Email BOT Onboarding 94% Digitally 98% Interactions 98% Accuracy 98% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Gen AI based voice bots End to En
Slide 23: Customer Profile
Underwriting Approach in Personal and Consumer Loans Bureau Score Buckets Underwriting Approach ❖ Utilization of Scorecard for better Customer Selection 1% 2% ❖ Usage of Alternate Data in credit decisioning 64% Customer Profile ❖ STP process for faster TAT 33% ❖ Usage of behavior based Predictive Mo
Slide 24: Prudent Risk Management Practices
Prudent Risk Management Practices… Sep’25 Jun’26 Sep’26 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 96.97% 1,30,345 97.57% 1,55,078 97.69% 1,63,805 Stage 2 1.35% 1,812 1.13% 1,804 1.03% 1,731 Stage 3 1.68% 2,261 1.30% 2,063 1.28% 2,148 Stage 2 and 3 3.03% 4,073 2.43% 3,867 2.31% 3,879 Total Lo
Slide 25: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Funding Mix Cumulative Outflows Cumulative Inflows 100%100% 85% 7% 7% 77% 10% 9% 45% 39% 42% 34% 9% 8% 22% 26% 10% 13% 14% 18% 5% 8% 34% 35% 0 - 1 Month 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Months Months Months Sep’26 Sep’25 Term Loan NCD CP ECB
Slide 26: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Gross Revenue^ 16,977 4,147 4,911 5,179 8,069 10,090 Interest Cost 8,807 2,153 2,533 2,692 4,216 5,225 Net Interest Income 8,170 1,994 2,377 2,488 3,853 4,865 Operating Expenses 2,574 65
Slide 27: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 27 Aditya Birla Capital Ltd.
Slide 28: Performance Highlights for Q2 FY27
Performance Highlights for Q2 FY27 Disbursement AUM NII1 GS3 PBT ₹ 8,957 crore ₹ 57,373 crore ₹ 641 crore 0.37% ₹ 335 crore ↑ 55% Y-o-Y ↑ 50% Y-o-Y ↑ 53% Y-o-Y ↓ 24 bps Y-o-Y ↑ 73% Y-o-Y ↑ 19% Q-o-Q ↑ 11% Q-o-Q ↑ 12% Q-o-Q ↓ 4 bps Q-o-Q ↑ 12% Q-o-Q 17.5% ABG ecosystem 0.65% Stage 2 and 3 Loans 2.12%
Slide 29: Continued growth in disbursements and AUM
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 50% y-o-y 55% y-o-y 8,957 38,270 51,833 57,373 7,515 15% 15% 15% 10% 10% 10% 5,787 28% 29% 29% 21% 20% 20% 26% 26% 25% Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Prime-HL Prime-LAP Aff-HL Aff-L
Slide 30: …with focus on portfolio quality
…with focus on portfolio quality Particulars Sep’25 Jun’26 Sep’26 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 98.90% 34,440 99.22% 46,854 99.35% 51,879 Stage 2 0.49% 172 0.37% 177 0.29% 150 Stage 3 0.61% 212 0.41% 192 0.37% 192 Stage 2 and 3 1.10% 383 0.78% 369 0.65% 341 Total 100.0% 34,823 100.0% 47,223
Slide 31: Strong balance sheet with well-matched ALM
Strong balance sheet with well-matched ALM ALM optimised for liquidity and costs Borrowing Mix (on Sep 30, 2026) Sep-25 Sep-26 100% 100% 11% 29% 14% 76% 79% 35% Term Loan 33% 33% NHB 19% 22% 10% 11% 13% 14% NCD 6% 7% Others 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 year > 5 years 1
Slide 32: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Net Interest Income (Incl. fee income)1 1,756 420 572 641 797 1,213 Operating expenses 829 197 243 273 392 516 Operating profit 927 222 329 368 405 697 Credit provisioning 94 28 29 32 57 62 Profi
Slide 33: Our Approach
Our Approach Growth Accelerate growth in prime & affordable segments with average ticket size of ₹ 25 – 30 lacs Growth to be augmented by ABG ecosystem Growth To be the most preferred choice of our customer Service Business loans Digital capabilities for seamless customer onboarding and servicing Se
Slide 34: AMC
ADITYA BIRLA CAPITAL AMC 34 Aditya Birla Capital Ltd.
Slide 35: Performance Highlights for Q2 FY27
Performance Highlights for Q2 FY27 Mutual fund Equity Total PBT QAAUM1 QAAUM1 Revenue PAT ₹ 4,41,787 crore ₹ 2,09,230 crore ₹ 526 crore ₹ 296 crore ₹ 221 crore Market share Market share2 3.92% ↑ 4% Y-o-Y 6% Y-o-Y down 8% Y-o-Y down 5.69% Mix 47.4% Individual MAAUM SIP3 Contribution Serviced 11.41 mn
Slide 36: Strong growth in AUM
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 1% y-o-y 140% y-o-y 4,07,337 4,15,868 4,04,775 11,05,605 66,823 6,27,945 56,473 68,134 4,60,817 6,54,789 1,64,880 1,50,075 1,38,763 1,91,542 26,970 8,677 8,654 8,742 63,670 70,302 82,1
Slide 37: …backed by growth in retail franchise
…backed by growth in retail franchise Individual B-30 Building sustainable Long Tenure (2) MAAUM (₹ Crore) MAAUM (₹ Crore) SIP (1) Contribution SIP Book SIP1 Contribution Contributing SIP1 5% y-o-y 4% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 2,17,740 2,06,554 93% 78,036 74,909 4.17 88% 1
Slide 38: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q2 FY26 Q2 FY27 Fund Raising underway ABSL India Special Opportunities Fund Series II ABSL Structured Opportunities Fund II ₹ 6,57,609 Cr PMS/AIF ₹6,57,609 Cr^ ₹ 30,250 Cr ↑ 2074% ABSL Money Manager Fund INR 7,861 Cr ABSL India Sele
Slide 39: Building Passive Business
Building Passive Business Passive AUM1 ₹ 39,859 Cr ~17,89,000 Investor Folios Serviced 3x growth since Sep-23 Q2 FY24 Q2 FY27 INR 7,861 Cr ₹ 39,859 Cr Rank 1 ₹ 27,859 Cr ↑ 1x In Debt Index2 50 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 6,117 Cr ₹ 12,624 Cr ₹ 20,269 Cr ₹ 21,114 Cr ₹ 1,473
Slide 40: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 3,800+ new MFDs in H1 FY27 310+ Locations 96,000+ 90+ 100+ 360+ 130+ MFDs Banks Emerging Market National Digital Over 80% are Locations Distributors Partners in B30 cities Servicing Investors across 19,000+ Pan-India pi
Slide 41: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Revenue from Operations 1,845 461 463 484 909 947 Costs 794 191 219 230 384 450 Operating Profit 1,051 270 244 254 525 497 Other Income 214 46 162 42 163 205 Profit before tax 1,266 316 406 296 688 702 Tax 291 75 9
Slide 42: Our Approach
Our Approach Scale up retail franchise and diversify product offerings Focusing on Direct/HNI Channel to provide incremental growth Retail Drive growth in SIP flows franchise Focus on scaling alternative assets business including AIF, PMS and Real Estate New product launches in equity and fixed inco
Slide 43: Life Insurance
ADITYA BIRLA CAPITAL Life Insurance 43 Aditya Birla Capital Ltd.
Slide 44: Performance Highlights for H1 FY'27
Performance Highlights for H1 FY’27 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ₹ 2,342 cr ₹ 4,232 cr ₹ 12,656 cr ₹ 120,736 cr 16.1% ↑ 25% Y-o-Y ↑ 90% Y-o-Y ↑ 42% Y-o-Y ↑ 16% Y-o-Y ↑ 447 bps Y-o-Y Embedded Value at ₹17,213 cr NOP Growth ↑ 23% Renewal Premium ↑ 20% ↑ 18% Y-o-Y 44 1.Single pr
Slide 45: Industry Performance
Industry Performance Individual FYP1 (Single Premium at 10%) Group FYP (Single Premium at 100%) ABSLI Private Players Industry ABSLI Private Players Industry Y-o-Y Growth 25% 12% 13% Y-o-Y Growth 90% 35% 25% 2 Yr CAGR2 22% 10% 7% 2 Yr CAGR2 22% 27% 17% ` crore ` crore 2,342 4,232 1,880 1,578 2,834 2
Slide 46: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 4,100+ 440+ 68,200+ 121 28,500+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth across channels Channel Mix Product Mix by Channel (H1 FY’27 ` In Cr) Protection PAR ULIP Proprietary Partnership Annuity NON PAR 31% 7% 18% 13% 4% 35% 32% 28% 8%
Slide 47: Value Accretive Products leading to expansion in margins
Value Accretive Products leading to expansion in margins… Product Mix Protection VNB1 Annuity PAR ` crore 4% NON PAR 16.1% 20%+ 7% 3% 5% 7.4% 18% 11.6% 20.6% 6% ULIP 3% 14% 16% 10% 51% 43% 38% 818 1,055 36% 31% 34% 424 135 238 H1 FY’25 H1 FY’26 H1 FY’27 H1 FY’25 FY’25 H1 FY’26 FY’26 H1 FY’27 FY’27 E
Slide 48: Strong digital adoption
Strong digital adoption… Customer Customer Self Onboarding 100% Digital Renewal 85% Servicing 92% AI Adoption 97% Customer Experience Customer Retention Customer Centricity AI & Automation 100% New business Digital collection at 85% WhatsApp contributed 25% reduction in processed digitally 8% in H1
Slide 49: Improvement in persistency and productivity
…leading to consistent improvement in persistency and productivity Total Renewal Premium Persistency1 Opex Ratio2 ( ₹ crore) Renewal Growth Digital Renewal Stable Persistency across cohorts Controlled Operating expenses ↑ 20% 14% Y-o-Y 85% 77%3 H1 FY’27 H1 FY’26 H1 FY’25 Δ 2Y 19% - 2Yr CAGR 83.4% 13
Slide 50: Robust investment process and performance
Robust investment process and performance… Asset Under Management (in ₹ Cr) Composition of AUM 14% - 2Yr CAGR 120,736 2% Debt 104,492 95,553 22% 23% Equity 77% 75% 76% 25% 24% 23% Sep’24 Sep’25 Sep’26 52% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer
Slide 51: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Individual First year Premium1 5,275 1,173 1,117 1,729 2,053 2,846 Group First year Premium 7,314 1,488 1,281 2,950 2,224 4,231 Renewal Premium 12,190 2,686 2,345 3,233 4,664 5,578 Total Gross Premium 24,779 5
Slide 52: Our Approach
Our Approach Growth Grow traditional products including protection in retail segment Focus on growing credit life in group segment Continue to make investments in Direct channel Growth Invest in New relationships to grow mindshare Mitigate interest rate risk by Active bond forward agreement manageme
Slide 53: Health Insurance
ADITYA BIRLA CAPITAL Health Insurance 53 Aditya Birla Capital Ltd.
Slide 54: Performance Highlights for H1'FY27
Performance Highlights for H1’FY27 GWP (Sales^) Market Share1 PBT2 Combined Ratio2 4,543 Cr 14.2% SAHI 46 Crs 106.5% ~48% YoY +70 bps ▲YoY 76 Crs (LY) 103.1% (LY) 1 We continue to maintain healthy 2 Distribution footprint expansion Scale up of Health First model & growth momentum 3 Superior Customer
Slide 55: Market Share
Market Share Market share expanded by 1 We are consistently growing Fast 2 ~0.7% 3 Market accretion | YTD Sep'26 YTD Sep’26 (Rs crs) ABHI MARKET SHARE 48%** YTD Sep’25 YTD Sep’26 36% Player 33% 35% (Sales) (Sales) 26% SAHI 1 981 1,558 18% SAHI 2 748 1,782 SAHI 3 741 1,021 ABHI 781 975 SAHI 1 SAHI 2
Slide 56: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 230+ 240K+ 20 6300+ 17.9K+ 12K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Tier-I 26% 26% Proprietary 26% 28% 24% Indemnity 8
Slide 57: Retail Distribution Mix and Growth
Retail Distribution Mix and Growth Highly Diversified Distribution Mix | Delivered robust Growth across channels Retail GWP 1 (` Crores) YoY Proprietary 432 Proprietary2 Growth delivered → Improved 51% productivity & Sourcing quality 652 Channels 484 Banks 18% Banca 570 Deepen Mid size partners to t
Slide 58: First of its kind product for YOUNG India
First of its kind product for YOUNG India Get rewarded for staying active Earn up to 100% of your premium back 100% as HealthReturns Complete 10K steps daily / 300 calories in a session and maintain good health Eat Move Heal LISTENING TO Avg. 7.5K+ steps or 250+ 7–8 hours of sleep Log 2 meals a day
Slide 59: Impact Data Driven Digital Delivery
Digitally powered health first Differentiated Model Know your Health Improve your Health Get Rewarded Health Assessments Lives Intervened Eligible Customers earning HR* Sep’26 8.3L+ Sep’26 3.7L+ Sep’26 12.7% 2.7L+ Scale Mar’26 6.6L+ Mar’26 Mar’26 11.25% Sep’25 4.17L+ Sep’25 1.8L+ Sep’25 9.4% Impact
Slide 60: Persistency
Driving Higher Engagement for better outcomes Loss Ratio* of physically active and engaged Persistency** of physically active and customers is significantly lower than Inactive Health Risk Management engaged customers is higher than inactive 100% 99% 124% 97% 115% 117% 3.7+ Lakhs Persistency Loss Ra
Slide 61: Engagement
Activ Health Resulting App as aleading in industry productengagement – Driving Revenue and Engagement “One-stop Solution” for Health and Wellness needs Utilization 94% YoY > 18.4 lakh Health 415 Bn Steps in H1 Lifestyle scores in Eat, Move & Heal Assessment H1 Inhouse built native App Activ Yuva 4.6
Slide 62: Adopting Digital approach across multiple focus areas
Adopting Digital approach across multiple focus areas Focus Key Initiatives & Wins ▪ App led Client acquisition & lead generation 89% 55% Acquisition ▪ App based nudges → renewal propensity | & Retention Digital DIY DIY renewals | Simplified journeys Renewals Renewals ▪ Insurance & health ecosystem
Slide 63: Leveraging AI across Customer Life-stage
Leveraging AI across Customer Life-stage Underwriting & Customer Service & Revenue Generation Health Proposition Claims Management Retention & Upsell Policy Issuance Engagement Voice-AI based Advisor Gen AI: Underwriting Hyper Personalized ML-Driven Proprietary AI/ ML based claim auto Agentic AI per
Slide 64: Business Outcomes
Business Outcomes Revenue (` Cr.) Retail and Group Lives covered (Mn) Retail Rural Group (incl. Rural) +11% p.a. 4,543 Byte +45% p.a. 26 21 23 3,070 1,126 2,349 7 13 15 16 2,171 14 768 1,647 8 551 1,217 8 1,070 2,193 5 6 6 7 490 953 692 1,423 7 4 4 3 3 H1’ FY25 H1’ FY6 H1’ FY27 Sep’24 Sep’25 Sep’26
Slide 65: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Sales GWP 7,292 1,610 2,196 2,346 3,070 4,543 Insurance Revenue 5,773 1,427 1,842 1,937 2,679 3,780 Insurance Service Expenses (6,033) (1,418) (1,953) (2,074) (2,763) (4,027) Net Inc./(Exp). from Reinsurance c
Slide 66: Financial statements
ADITYA BIRLA CAPITAL Financial statements 66 Aditya Birla Capital Ltd.
Slide 67: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) FY26 Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 Revenue 45,509 10,595 12,180 14,003 20,098 26,183 Profit Before Tax (before share of profit/(loss) of JVs) 4,874 1,134 1,495 1,724 2,205 3,220 Add: Share of Profit/(loss) of associate and JVs 461 156 146 1
Slide 68: Thank You
ADITYA BIRLA CAPITAL Thank You 68 Aditya Birla Capital Ltd.
Slide 69: Disclaimer
Disclaimer The information contained in this presentation is provided by Aditya Birla Capital Limited (“ABCL or the Company”), formerly known as Aditya Birla Financial Services Limited, to you solely for your reference. Any reference herein to "the Company" shall mean Aditya Birla Capital Limited, t