Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q3 FY26 Earnings Presentation
68 slides from Aditya Birla Capital's earnings presentation, Feb 3, 2026
Slide 1: Q3 FY26 Financial Results Investor Presentation
Q3 FY26 FINANCIAL RESULTS INVESTOR PRESENTATION February 3, 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 52.3% 16.3% Aditya Birla Capital Limited (NBFC-ICC) Listed Listed 100% 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 Q3 FY26
Performance Highlights for Q3 FY26 03
Slide 4: Consolidated financial performance
Consolidated financial performance Revenue1 at ₹ 14,181 Cr (↑ 30% y-o-y) in Q3 FY26 Profit after tax2 at ₹ 983 Cr (↑ 41% y-o-y) in Q3 FY26 Total lending3 portfolio of ₹ 1,90,386 crore (↑ 30% y-o-y & ↑ 7% q-o-q) at Dec 31, 2025 Total AUM4 of ₹ 5,98,166 Cr (↑ 19% y-o-y) in Q3 FY26 Life insurance first
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 ₹ 1,48,182 crore ₹ 42,204 crore ₹ 4,43,233 crore ₹ 1,99,442 crore Gross Premium5 Individual FYP 24% y-o-y 58% y-o-y Domestic QAAUM Eq
Slide 6: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) Q3 FY25 Q3 FY26 Y-o-Y 30% y-o-y 14,181 Lending (excluding HFC) 805 1,047 30% 9,997 10,949 HFC 110 236 115% Asset Management 300 361 20% Life Insurance 43 86 99% Q3 FY24 Q3FY25 Q
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Q3-o-Q3 Interest income 14,029 3,584 3,942 4,116 10,418 11,850 Fee and other income 1,004 214 271 319 736 840 Total income 15,033 3,798 4,213 4,435 11,154 12,689 17% Interest expense 7,981 2,042 2
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ₹ crore Sep-25 Dec-25 Loans 1,32,758 1,39,822 Investments 14,562 15,288 Other financial assets 4,587 2,266 Non-financial assets 1,345 1,367 Total assets 1,53,253 1,58,744 Borrowings & debt securities 1,22,364 1,27,196 Other financial liabilities 3,548 3,312 Non-fi
Slide 9: ABHFL raises growth capital of ₹ 2,750 Cr from Advent International
ABHFL raises growth capital of ₹ 2,750 Cr from Advent International ABHFL is one of the fastest growing HFCs in India… …and is geared up for the next phase of growth • Full stack HFC player focusing on prime and affordable segments and construction finance • Strengthened Balance Sheet to sustain the
Slide 10: Omnichannel architecture
Omnichannel architecture 10
Slide 11: 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 1,032 co-located branches Dedicated customer service locations across 260 locations managers for cross sell One Experience Channel
Slide 12: ABCD: D2C Omnichannel Platform
ABCD: D2C Omnichannel Platform 9.3 Mn+ 26+ 3.6 Mn+ Key Launches Customers* Product Categories VPAs Created* Digital Credit Card Wellness Policy Will Marketplace Saver Card Comparator Secure Choose from a Designed for AI powered tool to investments & range of credit overall wellbeing simplify health
Slide 13: UDYOG PLUS: Addressing 360o needs of MSMEs
UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Progress Digital Platforms ABG ecosystem ~ 2.4 mn (API, WEB & MOBILE) (API, WEB & MOBILE) Registrations ₹ 5,010 Cr AUM 33% Contribution to NBFC’s unsecured business loan book 39% Sourcing from ABG Digital Infrastructure Value added service part
Slide 14: Stellar: B2D app for channel partners
Stellar: B2D app for channel partners CRM specifically designed App tracker to track Seamless onboarding of for distributors to manage policy from lodgment to Distributors DIY & Assisted leads issuance Go Digital - Comprehensive marketing SELECT R&R with achievement tool with personalized website fo
Slide 15: Business-wise performance
Business-wise performance 15
Slide 16: NBFC
ADITYA BIRLA CAPITAL NBFC 16 Aditya Birla Capital Ltd.
Slide 17: Performance Highlights for Q3 FY26
Performance Highlights for Q3 FY26 Retail, SME AUM NII2 PBT GS2 & GS33 & HNI loans1 ₹ 96,908 crore ₹ 1,48,182 crore ₹ 2,127 crore ₹ 1036 crore 2.80% (65% of AUM) ↑ 24% Y-o-Y ↑ 26% Y-o-Y ↑ 23% Y-o-Y ↑ 29% Y-o-Y ↓ 145 bps Y-o-Y ↑ 6% Q-o-Q ↑ 6% Q-o-Q ↑ 7% Q-o-Q ↑ 8% Q-o-Q ↓ 23 bps Q-o-Q 470 branches as
Slide 18: Strong Growth in AUM…
Strong Growth in AUM… AUM (₹ crore) Dec’24 Sep’25 Dec’25 Dec’25 Mix Q-o-Q Y-o-Y - Unsecured business 11,196 13,663 15,278 10% 12% 36% - Secured business 54,402 63,869 67,528 46% 6% 24% Total Business loans 65,598 77,532 82,809 56% 7% 26% Personal & Consumer loans 15,520 18,218 19,921 13% 9% 28% Corp
Slide 19: Portfolio Mix
Portfolio Mix Personal & Consumer 9% q-o-q 28% y-o-y Secured business 6% q-o-q 24% y-o-y 19,921 67,528 15,520 18,218 63,869 LAS 2% 17% Consumer Loan 2% 54,402 17% Personal Loan 2% TL / WCDL 16% 20% 21% 98% LRD 3% 98% 22% 4% 98% LAP 4% 59% 60% 58% Dec-24 Sep-25 Dec-25 Dec-24 Sep-25 Dec-25 Unsecured b
Slide 20: 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 :: 44 : 56 Direct – 100% 22
Slide 21: Strong Digital Adoption in Customer Sourcing and Servicing
Strong Digital Adoption in Customer Sourcing and Servicing Customer EMIs Collected Digital Service Email BOT Onboarding 93% 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 End
Slide 22: 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 65% Customer Profile ❖ STP process for faster TAT 32% ❖ Usage of behavior based Predictive Mo
Slide 23: Prudent Risk Management Practices… …leading to stable and healthy asset quality
Prudent Risk Management Practices… Dec’24 Sep’25 Dec’25 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.75% 112,697 96.97% 130,336 97.20% 137,517 Stage 2 1.98% 2,329 1.35% 1,812 1.29% 1,819 Stage 3 2.27% 2,674 1.68% 2,261 1.51% 2,140 Stage 2 and 3 4.25% 5,003 3.03% 4,073 2.80% 3,959 Total Loan
Slide 24: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Funding Mix 100% 100% Cumulative Outflows Cumulative Inflows 78% 83% 4% 8% 7% 9% 9% 6% 42% 42% 34% 51% 20% 24% 28% 14% 15% 36% 5% 6% 8% 10% 0 - 1 Month 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Months Months Months Dec’24 Dec’25 Term Loan NCD CP ECB
Slide 25: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Gross Revenue^ 14,522 3,704 4,147 4,376 10,754 12,445 Interest Cost 7,583 1,970 2,153 2,249 5,600 6,465 Net Interest Income 6,940 1,734 1,994 2,127 5,154 5,980 Operating Expenses1 2,136
Slide 26: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 26 Aditya Birla Capital Ltd.
Slide 27: Performance Highlights for Q3 FY26
Performance Highlights for Q3 FY26 Disbursement AUM NII1 GS3 PBT ₹ 6,165 crore ₹ 42,204 crore ₹ 472 crore 0.54% ₹ 229 crore ↑ 30% Y-o-Y ↑ 58% Y-o-Y ↑ 62% Y-o-Y ↓ 45 bps Y-o-Y ↑ 109% Y-o-Y ↑ 7% Q-o-Q ↑ 10% Q-o-Q ↑ 12% Q-o-Q ↓ 6 bps Q-o-Q ↑ 18% Q-o-Q 17.6% ABG ecosystem 0.95% Stage 2 and 3 Loans 1.96%
Slide 28: Continued growth in disbursements and AUM…
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 30% y-o-y 58% y-o-y 6,165 5,786 26,714 38,270 42,204 13.5% 15.3% 15.8% 4,750 9.8% 9.7% 9.7% 29.2% 28.3% 28.2% 19.5% 20.6% 20.5% 28.0% 26.1% 25.7% Q3 FY25 Q2 FY26 Q3 FY26 Prime-HL Prime-LAP Affordabl
Slide 29: …with focus on portfolio quality
…with focus on portfolio quality Particulars Dec’24 Sep’25 Dec’25 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 98.23% 24,815 98.90% 34,440 99.05% 37,614 Stage 2 0.78% 197 0.49% 172 0.41% 156 Stage 3 0.99% 251 0.61% 212 0.54% 207 Stage 2 and 3 1.77% 447 1.10% 383 0.95% 362 Total 100.0% 25,262 100.0% 34,823
Slide 30: Strong balance sheet with well-matched ALM
Strong balance sheet with well-matched ALM ALM optimised for liquidity and costs Borrowing Mix (on Dec 31, 2025) Dec-24 Dec-25 100% 100% 12% 15% 79% 80% 35% 26% Term Loan NHB 29% 33% 16% 16% 19% 22% NCD 6% 6% 11% 11% 39% Others 11% 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 year > 5
Slide 31: P&L and Key Ratios - Housing Finance
P&L and Key Ratios - Housing Finance (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Net Interest Income (Incl. fee income)1 1,126 290 420 472 791 1,268 Operating expenses2 653 169 197 214 462 606 Operating profit 473 121 222 257 328 663 Credit provisioning 54 11 28 28 30 85 Profit before tax
Slide 32: 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 33: AMC
ADITYA BIRLA CAPITAL AMC 33 Aditya Birla Capital Ltd.
Slide 34: Performance Highlights for Q3 FY26
Performance Highlights for Q3 FY26 Mutual fund Equity Total PBT QAAUM1 QAAUM1 Revenue PAT ₹ 4,43,233 crore ₹ 1,99,442 crore ₹ 562 crore ₹ 358 crore ₹ 270 crore ↑ 15% Y-o-Y Market share Market share2 4.09% ↑ 16% Y-o-Y ↑ 19 % Y-o-Y ↑ 20 % Y-o-Y 6.12% Mix 45.0% Individual MAAUM SIP3 Contribution Servic
Slide 35: Strong growth in AUM…
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 16% y-o-y 20% y-o-y 4,07,337 4,23,653 4,00,941 4,60,817 4,81,447 3,66,044 26,970 29,597 53,996 56,473 8,617 45,863 838 8,677 16,191 63,670 67,132 1,73,108 58,122 1,64,880 1,46,958 1,76
Slide 36: …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 7% y-o-y SIP1 Contribution Contributing SIP1 12% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 76,953 2,11,862 95% 1,97,331 4.29 1,145 4.04
Slide 37: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q3 FY25 Q3 FY26 Fund Raising underway ABSL India Special Opportunities Fund Series II ABSL Structured Opportunities Fund II ₹ 32,663 Cr ABSL Money Manager Fund PMS/AIF ₹ 32,663 Cr^ ₹ 3,853 Cr ↑ 748% INR 7,861 Cr Product Pipeline (^I
Slide 38: Building Passive Business
Building Passive Business Passive AUM1 ₹ 38,699 Cr ~15,10,000 Investor Folios Serviced 3x growth since Dec-22 Q3 FY23 Q3 FY26 INR 7,861 Cr Rank 1 ₹ 19,184 Cr ₹ 38,699 Cr ↑ 2x In Debt Index2 52 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 2,236 Cr ₹ 10,791 Cr ₹ 15,701 Cr ₹ 22,897 Cr ₹ 1,247
Slide 39: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 7,800+ new MFDs in 9M FY26 310+ Locations 93,000+ 90+ 100+ 360+ 115+ MFDs Banks Emerging Market National Digital Over 80% are Locations Distributors Partners in B30 cities Servicing Investors across 19,000+ Pan-India pi
Slide 40: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Revenue from Operations 1,685 445 461 478 1,256 1,387 Costs 741 184 191 204 546 588 Operating Profit 944 261 270 274 710 799 Other Income 301 39 46 84 230 247 Profit before tax 1,245 300 316 358 940 1,046 Tax 314 7
Slide 41: 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 42: Life Insurance
ADITYA BIRLA CAPITAL Life Insurance 42 Aditya Birla Capital Ltd.
Slide 43: Performance Highlights for 9M FY26
Performance Highlights for 9M FY26 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ₹ 3,076 cr ₹ 4,349 cr ₹ 15,471 cr ₹ 110,048 cr 14.6% ↑ 19% Y-o-Y ↑ 8% Y-o-Y ↑ 14% Y-o-Y ↑ 13% Y-o-Y ↑ ~380 bps Y-o-Y Expansion of margins with Group business growth is Renewal Premium ↑ 18% balanced product mix b
Slide 44: Industry leading growth in individual premium
Industry leading growth in individual premium Individual FYP1 (Single Premium at 10%) Group FYP (Single Premium at 100%) ABSLI Private Players Industry ABSLI Private Players Industry Y-o-Y Growth 19% 13% 10% Y-o-Y Growth 8% 17% 15% 2 Yr CAGR2 25% 16% 12% 2 Yr CAGR2 19% 13% 11% ₹ crore ₹ crore +19% +
Slide 45: Diversified and scaled up distribution mix…
Diversified and scaled up distribution mix… 4,700+ 445+ 65,400+ 121 28,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth across channels Channel Mix Product Mix by Channel (9M FY’26 ` In Cr) Protection PAR ULIP Proprietary Partnership Annuity NON PAR 26% 3% 11% 7% 13% 5% 38% 39% 35%
Slide 46: Value accretive products leading to expansion in margins
Value accretive products leading to expansion in margins Product Mix Protection VNB1 Annuity ₹ crore PAR 3% 3% 5% NON PAR 15.6% 20.2% 10.8% 18% 14.6% ~18% 4% 7% 7% 4% 4% ULIP 13% 51% 68% 42% 697 818 35% 32% 485 21% 345 320 9M FY’24 9M FY’25 9M FY’26 9M FY’24 FY’24 9M FY’25 FY’25 9M FY’26 FY’26 E ABS
Slide 47: Strong digital adoption
Strong digital adoption Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 83% Servicing 93% New Business 29% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 83% WhatsApp contributed PASA1 contributed 29% processed digi
Slide 48: Persistency and productivity trends
Persistency and productivity trends Total Renewal Premium Persistency1 Opex Ratio2 ( ₹ crore) Renewal Growth Digital Renewal Stable Persistency across cohorts Controlled Operating expenses ↑ 18% 14% Y-o-Y 83% 77%3 9M FY’26 9M FY’25 9M FY’24 Δ 2Y 15% - 2Yr CAGR 84% 22.9% 20.8% 13M 86% 2% 19.7% 86% 7,
Slide 49: Robust investment process and performance…
Robust investment process and performance… Asset Under Management (in ₹ Cr) Composition of AUM 16% - 2Yr CAGR 110,048 5% Debt 97,286 23% 82,043 22% Equity 75% 75% 74% 26% 25% 25% Dec’23 Dec’24 Dec’25 50% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer M
Slide 50: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Individual First year Premium1 4,633 1,133 1,173 1,345 3,014 3,398 Group First year Premium 5,587 1,202 1,488 2,125 4,036 4,349 Renewal Premium 10,419 2,613 2,686 3,060 6,555 7,725 Total Gross Premium 20,639 4
Slide 51: 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 PSU relationships and New relationships to grow mindshare Mitigate interest rate risk by Active bond forw
Slide 52: Health Insurance
ADITYA BIRLA CAPITAL Health Insurance 52 Aditya Birla Capital Ltd.
Slide 53: Performance Highlights for 9M FY26
Performance Highlights for 9M FY26 GWP Market Share PBT1 Combined Ratio “without 1/n” `4,956 Cr (41% YoY) 13.8% SAHI ` (145) Cr 108% “with 1/n” ` 4,651 Cr (39% YoY) 14.2% SAHI ` (178) Cr 111% “without 1/n” 46% YoY LY 12.1% LY ` (195) Cr LY 114% LY 1 We Grew, faster than Market… 2 Distribution footpr
Slide 54: Accelerated Growth amid Industry Headwinds
Accelerated Growth amid Industry Headwinds 3 No.1 in Market Accretion in 9M 1 1 We are consistently growing Fast 2 Our Market share increased FY26 on Acc. GWP Sales Acc. 41%** 37% Incremental SAHI GWP 9M FY26 39% 32% 26% 28% Player 9M 9M 9M 22% (Rs FY25 FY26 FY26 19% 16% 15% Crs) Acc. Sales Acc. 9%
Slide 55: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 224+ 163K+ 20 6,300+ 15K+ 11K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Proprietary 29% 27% Tier-I 27% 26% 29% Indemnity 80
Slide 56: Delivered Robust growth in Retail
Retail Distribution Mix and Growth Highly Diversified Distribution Mix +42% 2647 YoY Proprietary Retail GWP 1 (` Crores) Tech driven Sales Governance → Improved productivity & Proprietary3 35% Sourcing quality 720 Delivered 1863 Channels Banca Robust Structure optimisation | 535 Banks 23% growth in
Slide 57: Scaled up Differentiated health first Model
Scaled up Differentiated health first Model Model Know your Health Improve your Health Get Rewarded Health Assessments Lives Intervened Eligible Customers earning HR* Scale Dec’25 5.6L+ Dec’25 2.1L+ Dec’25 9.9% Sep’25 4.5L+ Sep’25 1.8L+ Sep’25 9.4% Jun’25 4.1L+ Jun’25 1.4L+ Jun’25 9.1% Digital Deliv
Slide 58: Driving Higher Engagement for better outcomes
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 106% 125% 100% 119% 119% 91% Loss Ratio 2.1+ Lakhs Persist
Slide 59: Activ Health App as a leading engagement product
Activ Health Resulting App as aleading in industry productengagement – Driving Revenue and Engagement “One-stop Solution” for Health and Wellness needs Utilization Inhouse built native App 44% QoQ Digital > 6.8 lakh Lifestyle 121 Bn Steps in Q3 Health Assessment scores 4.7 Star Play-store Rating 50+
Slide 60: Adopting Digital approach across multiple focus areas
Adopting Digital approach across multiple focus areas Focus Key Initiatives & Wins ▪ Client acquisition through the App 87% 33% 45% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ DIY renewals Renewals Propensity* Renewals ▪ Inhouse & Partner based Ecosystem Engagement ▪
Slide 61: Leveraging AI & Data Science across Value Chain
Leveraging AI & Data Science across Value Chain Lead based cross- Underwriting Enhanced Fraud Improvement in ~70% Productivity Uplift 30% +226 Cr. ~2% sell / Up-sell uplift Detection Savings Persistency Customer Experience & Sales Growth Back Office & Productivity Risk Management Retention Voice AI
Slide 62: Business Outcomes
Business Outcomes Revenue (` Cr.) 1 w/o Lives covered (Mn) Retail Multi year Retail and Group Rural Group (incl. Rural) 4,956 Byte +39% 4,651 24 21 19 3,337 2,646 2,341 7 16 2,400 12 1,695 1,280 7 1,642 2,310 2,310 4 5 1,120 7 3 3 9M FY24 9M FY25 9M FY26 9M FY26 9M FY24 9M FY25 9M FY26 w/o Profit Be
Slide 63: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Retail premium 2,759 646 879 999 1,863 2,646 Group Premium 2,494 689 731 887 1,642 2,310 Gross written premium (without 1/n) 5,252 1,335 1,610 1,886 3,505 4,956 Gross written premium (with 1/n) 4,940 1,167 1,4
Slide 64: 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 65: Financial statements
ADITYA BIRLA CAPITAL Financial statements 65 Aditya Birla Capital Ltd.
Slide 66: Consolidated P&L – Aditya Birla Capital
Consolidated P&L – Aditya Birla Capital (₹ crore) FY25 Q3 FY25 Q2 FY26 Q3 FY26 9M FY25 9M FY26 Revenue 40,360 9,370 10,595 11,952 28,146 32,050 Profit Before Tax (before share of profit/(loss) of JVs 4,196 957 1,134 1,299 3,030 3,504 Add: Share of Profit/(loss) of associate and JVs 417 62 77 90 223
Slide 67: Thank You
ADITYA BIRLA CAPITAL Thank You 67 Aditya Birla Capital Ltd.
Slide 68: 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