Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q1 FY27 Earnings Presentation
70 slides from Aditya Birla Capital's earnings presentation, Jul 31, 2026
Slide 1: Q1 FY27 Financial Results Investor Presentation
Q1 FY27 FINANCIAL RESULTS INVESTOR PRESENTATION July 31, 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 53.1% 15.7% 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 Q1 FY27
Performance Highlights for Q1 FY27 03
Slide 4: Consolidated financial performance for Q1 FY27
Consolidated financial performance for Q1 FY27 Revenue1 at ₹ 14,731 Cr (↑ 29% y-o-y) Profit after tax at ₹ 1,175 Cr (↑ 40% y-o-y) Total lending2 portfolio of ₹ 2,19,289 crore (↑ 32% y-o-y & ↑ 6% q-o-q) Total AUM3 of ₹ 7,52,745 Cr (↑ 36% y-o-y) Life insurance first year individual premium of ₹ 952 cr
Slide 5: Strong growth momentum across businesses in Q1 FY27
Strong growth momentum across businesses in Q1 FY27 Standalone - Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM1 QAAUM Growth Premium Growth ₹ 1,67,456 crore ₹ 51,833 crore ₹ 4,27,675 crore ₹ 1,98,722 crore Gross Premium Individual FYP 28% y-o-y 50% y-o-y Domestic
Slide 6: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) Q1 FY26 Q1 FY27 Y-o-Y 29% y-o-y 14,731 Lending (excluding HFC) 925 1,222 32% 10,274 11,388 HFC 154 300 95% Asset Management 372 406 9% Life Insurance 39 61 58% Q1 FY25 Q1 FY26 Q
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement FY26 Q1 FY26 Q4 FY26 Q1 FY27 Y-o-Y Interest income 16,150 3,792 4,300 4,631 Fee and other income 1,124 249 284 370 Total income 17,274 4,042 4,584 5,001 24% Interest expense 9,112 2,173 2,409 2,645 Net Interest income 8,162 1,869 2,174 2,355
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ₹ crore Mar-26 June-26 Loans 1,50,635 1,57,089 Investments 16,691 17,859 Other financial assets 2,010 4,108 Non-financial assets 1,250 1,288 Total assets 1,70,586 1,80,344 Borrowings & debt securities 1,38,415 1,42,798 Other financial liabilities 2,990 3,407 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 1,017 co-located branches Dedicated customer service locations across 258 locations managers for cross sell One Experience Channel
Slide 11: ABCD: A D2C Omnichannel Platform
ABCD: A D2C Omnichannel Platform 1.2 Cr 26+ 50 Lakh+ Key Highlights Customers* Product Categories VPAs Created* Multi-AMC stack with 16 Asset management companies (AMCs) Multi-lender gold loan journey AI-led personal finance capabilities through Market Pulse and Portfolio Insights, helping customers
Slide 12: 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 ₹ 6,229 Cr AUM ~53% Contribution to NBFC’s unsecured business loan book ~ 37% Sourcing from ABG Digital Infrastructure Value added service
Slide 13: B2D Platform: Stellar
B2D Platform:: Stellar Go –Digital – Complete CRM 4 U – Manage the lead One view – Earning & Sales enablement tool on the Go Commission SELECT – Point , Rewards Learning & Training – Shortfall Calculator Finwise+ & Sales Reels Application tracker – LI Quick access to LOB Onboarding Seamlessly Policy
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: Leveraging Agentic Voice AI & Speech Analytics Across the Customer Lifecycle
Leveraging Agentic Voice AI & Speech Analytics Across the Customer Lifecycle Agentic Voice-bots developed at every stage of the customer journey across all Line of businesses of the franchise STAGE 01 STAGE 02 STAGE 03 STAGE 04 01 02 03 04 ACQUISITION ONBOARDING SERVICE & ENGAGEMENT RETENTION & GROW
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 Q1 FY27
Performance Highlights for Q1 FY27 AUM Retail, SME & NII2 PBT GS2 & GS33 HNI loans1 ₹1,14,101 ₹ 2,377 crore ₹ 1,67,456 crore ₹ 1,222 crore 2.43% crore (68% of AUM) ↑ 28% Y-o-Y ↑ 34% Y-o-Y ↑ 28% Y-o-Y ↑ 32% Y-o-Y ↓ 127 bps Y-o-Y ↑ 5% Q-o-Q ↑ 5% Q-o-Q ↑ 9% Q-o-Q ↑ 10% Q-o-Q ↑ 1 bps Q-o-Q 463 branches
Slide 19: Strong Growth in AUM…
Strong Growth in AUM… AUM (₹ crore) Jun’25 Mar’26 Jun’26 Jun’26 Mix Q-o-Q Y-o-Y - Unsecured business 12,344 17,792 18,780 11% 6% 52% - Secured business 60,227 73,659 76,319 46% 4% 27% Total Business loans 72,571 91,451 95,099 57% 4% 31% Personal & Consumer loans 16,446 21,432 23,267 14% 9% 41% Corpo
Slide 20: Portfolio Mix
Portfolio Mix Personal & Consumer 9% q-o-q 41% y-o-y Secured business 4% q-o-q 27% y-o-y 73,659 76,319 23,267 LAS 21,432 20% Consumer Loan 5% 60,227 19% 5% TL / WCDL Personal Loan 16,446 16% 3% LRD 20% 19% 22% 3% 2% 95% 95% LAP 97% 4% 59% 58% 58% Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 Jun-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 :: 43 : 57 Direct – 100% 20
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 95% Digitally 98% Interactions 98% Accuracy 100% 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 Customer Profile 70% 27% ❖ STP process for faster TAT ❖ Usage of behavior based Predictive Mo
Slide 24: Prudent Risk Management Practices… …leading to stable and healthy asset quality
Prudent Risk Management Practices… Jun’25 Mar’26 Jun’26 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 96.30% 1,23,209 97.58% 1,48,650 97.57% 1,55,078 Stage 2 1.43% 1,834 1.10% 1,669 1.13% 1,804 Stage 3 2.27% 2,905 1.33% 2,024 1.30% 2,063 Stage 2 and 3 3.70% 4,739 2.42% 3,694 2.43% 3,867 Total Lo
Slide 25: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Cumulative Outflows Funding Mix 100%100% Cumulative Inflows 85% 7% 77% 7% 10% 9% 46% 35% 7% 41% 7% 44% 19%26% 9%12% 13%17% 6% 8% 35% 33% 0-1 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Month Months Months Months Jun’26 Jun’25 Term Loan NCD CP ECB CC/WC
Slide 26: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) FY26 Q1 FY26 Q4 FY26 Q1 FY27 Gross Revenue 16,977 3,922 4,532 4,911 Interest Cost 8,807 2,063 2,342 2,533 Net Interest Income (Incl. fee income) 8,170 1,859 2,190 2,377 Operating expenses 2,574 534 712 756 Credit provisioning 1,573
Slide 27: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 27 Aditya Birla Capital Ltd.
Slide 28: Performance Highlights for Q1 FY27
Performance Highlights for Q1 FY27 Disbursement AUM NII1 GS3 PBT ₹ 7,515 crore ₹ 51,833 crore ₹ 572 crore 0.41% ₹ 300 crore ↑ 39% Y-o-Y ↑ 50% Y-o-Y ↑ 52% Y-o-Y ↓ 22 bps Y-o-Y ↑ 95% Y-o-Y ↓ 6% Q-o-Q ↑ 9% Q-o-Q ↑ 17% Q-o-Q ↓ 3 bps Q-o-Q ↑ 18% Q-o-Q 16.2% ABG ecosystem 0.78% Stage 2 and 3 Loans 2.12% R
Slide 29: Continued growth in disbursements and AUM…
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 39% y-o-y 50% y-o-y 34,605 47,452 51,833 7,977 7,515 14.8% 15.8% 15.2% 9.6% 10.0% 10.1% 5,404 28.6% 28.3% 28.7% 20.6% 20.5% 20.4% 26.4% 25.4% 25.7% Q1 FY26 Q4 FY26 Q1 FY27 Prime-HL Prime-LAP Afforda
Slide 30: …with focus on portfolio quality
…with focus on portfolio quality Particulars Jun’25 Mar’26 Jun’26 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 98.66% 31,474 99.24% 42,730 99.22% 46,854 Stage 2 0.72% 229 0.32% 137 0.37% 177 Stage 3 0.62% 199 0.44% 189 0.41% 192 Stage 2 and 3 1.34% 428 0.76% 326 0.78% 369 Total 100.0% 31,902 100.0% 43,056
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 Jun 30, 2026) 100% 100% Jun-25 Jun-26 12% 11% 75% 78% 31% 32% Term Loan 27%31% NHB 20% 12%14% 15% NCD 5% 7% 8% 10% Others 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 year > 5 years 45%
Slide 32: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) FY26 Q1 FY26 Q4 FY26 Q1 FY27 Net Interest Income (Incl. fee income)1 1,756 377 487 572 Operating expenses 829 194 223 243 Operating profit 927 183 264 329 Credit provisioning 94 29 9 29 Profit before tax 832 154 255 300 Tax 185 35 55 67 Pro
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 Q1 FY27
Performance Highlights for Q1 FY27 Mutual fund Equity Total PBT QAAUM1 QAAUM1 Revenue PAT ₹ 4,27,675 crore ₹ 1,98,722 crore ₹ 625 crore ₹ 406 crore ₹ 309 crore Market share Market share2 3.97% ↑ 11% Y-o-Y ↑ 9% Y-o-Y ↑ 12% Y-o-Y 5.79% Mix 46.5% Individual MAAUM SIP3 Contribution Serviced 11.11 mn fol
Slide 36: Strong growth in AUM…
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 2% y-o-y 42% y-o-y 4,07,206 3,79,987 4,15,868 6,27,945 4,43,263 4,74,002 1,91,542 54,904 66,823 29,709 47,719 25,685 8,427 8,654 14,099 68,515 70,302 1,63,437 1,50,075 63,588 1,56,692
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 3% y-o-y 3% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 2,03,813 2,10,606 94% 74,341 1,140 4.03 89% 72
Slide 38: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q1 FY26 Q1 FY27 Fund Raising underway ABSL India Special Opportunities Fund Series II ABSL Structured Opportunities Fund II ₹ 1,94,476 Cr PMS/AIF ₹1,94,476 Cr^ ₹ 28,657 Cr ↑ 579% ABSL Money Manager Fund INR 7,861 Cr ABSL India Selec
Slide 39: Building Passive Business
Building Passive Business Passive AUM1 ₹ 39,953 Cr ~17,40,000 Investor Folios Serviced 3x growth since Jun-23 Q1 FY24 Q1 FY27 INR 7,861 Cr ₹ 39,953 Cr Rank 1 ₹ 28,745Cr ↑ 1x In Debt Index2 52 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 5,282 Cr ₹ 12,324 Cr ₹ 22,059 Cr ₹ 21,545 Cr ₹ 1,404 C
Slide 40: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 1,900+ new MFDs in Q1 FY27 310+ Locations 95,500+ 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 Q1 FY26 Q4 FY26 Q1 FY27 Revenue from Operations 1,845 447 458 463 Costs 794 193 206 219 Operating Profit 1,051 254 252 244 Other Income 214 118 -33 162 Profit before tax 1,266 372 219 406 Tax 291 95 32 97 Profit after tax 975 277 187 309 Mutual fund AAUM
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 Q1 FY'27
Performance Highlights for Q1 FY’27 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ₹ 952 cr ₹ 1,281 cr ₹ 4,743 cr ₹ 117,487 cr 15.1% ↑ 20% Y-o-Y ↑ 74% Y-o-Y ↑ 32% Y-o-Y ↑ 13% Y-o-Y ↑ 756 bps Y-o-Y Expansion of margins with balanced product mix Renewal Premium ↑ 19% NOP Growth ↑ 23% 44 1.Single
Slide 45: Industry leading growth
Industry leading growth Individual FYP1 (Single Premium at 10%) Group FYP (Single Premium at 100%) ABSLI Private Players Industry ABSLI Private Players Industry Y-o-Y Growth 20% 15% 16% Y-o-Y Growth 74% 46% 18% 2 Yr CAGR2 22% 12% 10% 2 Yr CAGR2 7% 23% 10% ` crore ` crore 952 1,498 795 1,281 644 736
Slide 46: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix 4,700+ 450+ 63,000+ 111 28,300+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth across channels Channel Mix Product Mix by Channel (Q1 FY’27 ` In Cr) Protection PAR ULIP Proprietary Partnership Annuity NON PAR 25% 8% 18% 15% 4% 39% 31% 28% 7%
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% 5% NON PAR 15.1% 20%+ 7% 3% 6% 6.5% 18% 7.5% 20.6% 3% 16% ULIP 21% 9% 57% 38% 42% 818 1,055 30% 31% 29% 52 66 167 Q1 FY’25 Q1 FY’26 Q1 FY’27 Q1 FY’25 FY’25 Q1 FY’26 FY’26 Q1 FY’27 FY’27 E ❖ P
Slide 48: Strong digital adoption…
Strong digital adoption… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 83% Servicing 97% New Business 37% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 83% WhatsApp contributed PASA1 contributed 37% processed dig
Slide 49: …leading to consistent 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 ↑ 19% 14% Y-o-Y 83% 77%3 Q1 FY’27 Q1 FY’26 Q1 FY’25 Δ 2Y 18% - 2Yr CAGR 83% 13M
Slide 50: Robust investment process and performance…
Robust investment process and performance… Asset Under Management (in ₹ Cr) Composition of AUM 14% - 2Yr CAGR 117,487 4% Debt 103,817 90,682 24% Equity 22% 76% 75% 75% 25% 25% 24% Q1 FY’25 Q1 FY’26 Q1 FY’27 49% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enh
Slide 51: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (₹ crore) FY26 Q1 FY26 Q4 FY26 Q1 FY27 Individual First year Premium1 5,275 880 1,878 1,117 Group First year Premium 7,314 736 2,965 1,281 Renewal Premium 12,190 1,978 4,465 2,345 Total Gross Premium 24,779 3,594 9,308 4,743 Operating expenses (Incl. Commission) 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 Q1FY27
Performance Highlights for Q1FY27 GWP (Sales) Market Share1 PBT2 Combined Ratio2 2,196 Cr 16.2% SAHI 18 Crs 106% ~50% YoY +200 bps ▲YoY -28Cr (LY) 107% (LY) 1 We continue to grew faster than 2 Distribution footprint expansion Scale up of Health First model & Market 3 Superior Customer Experience 12%
Slide 55: Market Share
Market Share 1 We are consistently growing Fast 2 Our Market share increased 3 Market Accretion in YTD Jun’26 on Sales GWP (Rs crs) YTD Jun’26 50.5%** YTD YTD Jun’2 Player Jun’26 5 Sales Sales 48% SAHI 1 453 744 38% 31% 23% SAHI 2 358 858 19% NA ~200 bps SAHI 3 410 431 SAHI 1 SAHI 2 SAHI 3 ABHI SAHI
Slide 56: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 230+ 198K+ 19 5960+ 17K+ 12K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Proprietary 24% 26% Tier-I 27% 27% Banks 29% 24% Ind
Slide 57: Delivered Robust growth in Retail Distribution Mix and Growth
Retail Distribution Mix and Growth Highly Diversified Distribution Mix YoY Retail GWP 1 Proprietary (` Crores) 187 Proprietary2 Growth delivered → Improved 292 56% productivity & Sourcing quality Channels Delivered 223 Banks 19% Banca Robust 265 Deepen Mid size partners to transform to large partner
Slide 58: Listening to Yuva
First of its kind product for YOUNG India Get Rewarded for staying active by completing 10K steps daily / 300 calories in a session and have a good health and earn up to 100% of your premium back as HealthReturnsTM Eat Move Heal LISTENING Log 2 meals a day Avg.7.5k+ steps or 7-8 hours of sleep 250+
Slide 59: Impact Data Driven Digital Delivery
Digitally powered health first Differentiated Model Model Know your Health Improve your Health Get Rewarded Health Assessments Lives Intervened Eligible Customers earning HR* Scale Jun’26 7.6L+ Jun’26 3.2L+ Jun’26 11.99% Mar’26 6.6L+ Mar’26 2.7L+ Mar’26 11.25% Jun’25 4.1L+ Jun’25 1.5L+ Jun’25 9.07%
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% 100% 98% 120% 113% 115% Loss Ratio 3.2+ Lakhs Persist
Slide 61: Engagement
Activ Health Resulting App as aleading in industry productengagement – Driving Revenue and Engagement “One-stop Solution” for Health and Wellness needs Eat, Move & Heal 35% YoY > 8.9 lakh Lifestyle 174 Bn Steps in Q1 Health Assessment scores Utilization Inhouse built native App 4.6 Star Health and W
Slide 62: Adopting Digital approach across multiple focus areas
Adopting Digital approach across multiple focus areas Focus Key Initiatives & Wins ▪ Client acquisition through the App 89% 33% 57% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ DIY renewals Renewals Propensity* Renewals ▪ Inhouse & Partner based Ecosystem Engagement ▪
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 Agentic AI Renewal Voice-AI based Advisor ML-Driven Proprietary AI/ ML based claim auto AI-Underwriting Case Hyper Personal
Slide 64: Business Outcomes
Business Outcomes Revenue (` Cr.) Retail and Group Lives covered (Mn) Retail Rural Group (incl. Rural) +22% p.a. 2,196 Byte +45% p.a. 25 23 1,461 1,126 17 13 15 1,041 768 8 551 1,070 5 6 7 490 692 4 4 3 Q1 FY25 Q1 FY6 Q1 FY27 Q1 FY25 Q1 FY26 Q1 FY27 Combined Ratio(%) Profit Before Tax2 (` Cr.) 112%
Slide 65: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (₹ crore) FY26 Q1 FY26 Q4 FY26 Q1 FY27 Sales GWP 7,292 1,461 2,336 2,196 Insurance Revenue 5,773 1,252 1,537 1,842 Insurance Service Expenses (6,033) (1,345) (1,648) (1,953) Net Inc./(Exp). from Reinsurance contracts 33 5 (5) 51 Total (227) (88) (115) (60) Investm
Slide 66: Our Approach – Health First Data-driven Model
Our Approach – Health First Data-driven Model Prioritize identified targeted customer segments Differentiated Health Incentivise healthy customer behaviour and manage chronic conditions through targeted interventions First approach Data driven Customer Risk stratification for superior customer under
Slide 67: Financial statements
ADITYA BIRLA CAPITAL Financial statements 67 Aditya Birla Capital Ltd.
Slide 68: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) FY26 Q1 FY26 Q4 FY26 Q1 FY27 Revenue 45,509 9,503 13,459 12,180 Profit Before Tax (before share of profit/(loss) of JVs) 4,874 1,071 1,369 1,495 Add: Share of Profit/(loss) of associate and JVs 461 111 59 146 Less: Exceptional Items 54 - (14) - Profi
Slide 69: Thank You
ADITYA BIRLA CAPITAL Thank You 69 Aditya Birla Capital Ltd.
Slide 70: 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