Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q4 FY26 Earnings Presentation
69 slides from Aditya Birla Capital's earnings presentation, May 4, 2026
Slide 1: Q4 FY26 Financial Results Investor Presentation
Q4 FY26 FINANCIAL RESULTS INVESTOR PRESENTATION May 4, 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 FY26
Performance Highlights for FY26 03
Slide 4: Consolidated financial performance for FY26
Consolidated financial performance for FY26 Revenue1 at ₹ 53,871 Cr (↑ 14% y-o-y) Profit after tax at ₹ 3,797 Cr2 (↑ 21% y-o-y) Total lending3 portfolio of ₹ 2,07,368 crore (↑ 32% y-o-y & ↑ 9% q-o-q) Total AUM4 of ₹ 5,91,343 Cr (↑ 16% y-o-y) Life insurance first year individual premium of ₹ 4,725 cr
Slide 5: Strong growth momentum across businesses in FY26
Strong growth momentum across businesses in FY26 Standalone - Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM1 QAAUM Growth2 Premium Growth ₹ 1,59,916 crore ₹ 47,452 crore ₹ 4,35,866 crore ₹ 1,97,374 crore Gross Premium4 Individual FYP 27% y-o-y 53% y-o-y Domestic Q
Slide 6: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue (₹ cr)1 Businesses (₹ crore) FY25 FY26 Y-o-Y 14% y-o-y Lending (excluding HFC) 3,360 4,034 20% 53,871 47,104 HFC 39,536 419 839 100% Asset Management 1,245 1,268 2% Life Insurance 158 288 82% FY24 FY25 FY26
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Y-o-Y Interest income 3,611 4,116 4,300 14,029 16,150 Fee and other income 268 320 284 1,004 1,124 Total income 3,879 4,436 4,584 15,033 17,274 15% Interest expense 2,079 2,322 2,409 7,981 9,112 Net Interest
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ₹ crore Mar-25 Mar-26 Loans 1,22,345 1,50,635 Investments 12,829 16,691 Other financial assets 2,870 2,010 Non-financial assets 1,256 1,250 Total assets 1,39,300 1,70,586 Borrowings & debt securities 1,11,136 1,38,415 Other financial liabilities 2,573 2,990 Non-fi
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 1,020 co-located branches Dedicated customer service locations across 260 locations managers for cross sell One Experience Channel
Slide 11: ABCD App Update
1 ABCD App Update 11 Mn 26+ 4.7 Mn Key Launches Customers* Product Categories VPAs Created* Systematic Investment Plan (SIP) for Digital Silver Multi-AMC Mutual Funds Stack (in CUG) Multi-Lender Personal Loans Stack Industry Accolades Economic Times Maharashtra Business Award 2026 under ‘Digital Fin
Slide 12: Udyog Plus: Addressing 360 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 ₹ 5,814 Cr AUM ~33% Contribution to NBFC’s unsecured business loan book ~ 41% Sourcing from ABG Digital Infrastructure Value added service p
Slide 13: 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 14: Scaling up the use of AI
Scaling up the use of AI 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 Assist , document check & quali
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 FY26
Performance Highlights for FY26 Retail, SME AUM NII2 PBT GS2 & GS33 & HNI loans1 ₹ 1,08,427 ₹ 1,59,916 crore ₹ 8,170 crore ₹ 4,023 crore 2.42% crore (68% of AUM) ↑ 27% Y-o-Y ↑ 33% Y-o-Y ↓ 136 bps Y-o-Y ↑ 8% Q-o-Q ↑ 18% Y-o-Y ↑ 20% Y-o-Y ↑ 12% Q-o-Q ↓ 37 bps Q-o-Q 465 branches as of Mar’26 RoA: 2.25%
Slide 18: Strong Growth in AUM
Strong Growth in AUM… AUM (₹ crore) Mar’25 Dec’25 Mar’26 Mar’26 Mix Q-o-Q Y-o-Y - Unsecured business 12,066 15,278 17,792 11% 16% 47% - Secured business 57,992 67,528 73,659 46% 9% 27% Total Business loans 70,058 82,806 91,451 57% 10% 31% Personal & Consumer loans 15,533 19,921 21,432 13% 8% 38% Cor
Slide 19: Portfolio Mix
Portfolio Mix Personal & Consumer 8% q-o-q 38% y-o-y Secured business 9% q-o-q 27% y-o-y 73,659 21,432 LAS 67,528 Consumer Loan 19,921 19% 57,992 17% Personal Loan 5% 5% TL / WCDL 15,533 15% 20% 2% 20% LRD 3% 95% 22% 3% 95% 98% LAP 4% 60% 59% 58% Mar-25 Dec-25 Mar-26 Mar-25 Dec-25 Mar-26 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 :: 41 : 59 Direct – 100% 24
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 100% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Gen AI based voice bots End to En
Slide 22: Underwriting Approach in Personal and Consumer Loans
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 68% 29% ❖ STP process for faster TAT ❖ Usage of behavior based Predictive Mo
Slide 23: Prudent Risk Management Practices
Prudent Risk Management Practices… Mar’25 Dec’25 Mar’26 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 96.22% 119,426 97.20% 137,517 97.58% 148,650 Stage 2 1.54% 1,914 1.29% 1,819 1.10% 1,669 Stage 3 2.24% 2,777 1.51% 2,140 1.33% 2,024 Stage 2 and 3 3.78% 4,692 2.80% 3,959 2.42% 3,694 Total Loan
Slide 24: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Cumulative Outflows Cumulative Inflows 100% 100% Funding Mix 83% 77% 10% 6% 8% 8% 7% 34% 42% 42% 49% 7% 18% 23% 9% 11% 13% 15% 4% 5% 31% 34% 0 - 1 Month 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Months Months Months Mar’26 Mar’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) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Gross Revenue 3,769 4,376 4,5321 14,522 16,977 Interest Cost 1,983 2,249 2,342 7,583 8,807 Net Interest Income (Incl. fee income) 1,786 2,127 2,190 6,940 8,170 Operating expenses 556 669 712 2,136
Slide 26: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 26 Aditya Birla Capital Ltd.
Slide 27: Performance Highlights for FY26
Performance Highlights for FY26 Disbursement AUM NII1 GS3 PBT ₹ 25,332 crore ₹ 47,452 crore ₹ 1,756 crore 0.44% ₹ 832 crore ↑ 44% Y-o-Y ↑ 53% Y-o-Y ↑ 56% Y-o-Y ↓ 22 bps Y-o-Y ↑ 98% Y-o-Y 17.4% ABG ecosystem 0.76% Stage 2 and 3 Loans 1.88% RoA contribution to retail 14.27% RoE disbursements ↓ 63 bps
Slide 28: Continued growth in disbursements and AUM
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 37% y-o-y 53% y-o-y 31,053 42,204 47,452 7,977 14.2% 15.8% 15.8% 9.7% 9.7% 10.0% 6,165 5,820 28.8% 28.2% 28.3% 20.5% 20.5% 20.5% 26.8% 25.7% 25.4% Q4 FY25 Q3 FY26 Q4 FY26 Prime-HL Prime-LAP Affordab
Slide 29: …with focus on portfolio quality
…with focus on portfolio quality Particulars Mar’25 Dec’25 Mar’26 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 98.61% 28,781 99.05% 37,614 99.24% 42,730 Stage 2 0.73% 212 0.41% 156 0.32% 137 Stage 3 0.66% 193 0.54% 207 0.44% 189 Stage 2 and 3 1.39% 405 0.95% 362 0.76% 326 Total 100.0% 29,186 100.0% 37,976
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 Mar 31, 2026) 100% 100% Mar-25 Mar-26 78% 80% 14% 17% 33% 28% Term Loan 31%34% NHB 23% 14%15% 17% 9% 10% NCD 5% 6% Others 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 year > 5 years 41%
Slide 31: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Net Interest Income (Incl. fee income)1 335 472 487 1,126 1,756 Operating expenses 190 214 223 653 829 Operating profit 145 257 264 473 927 Credit provisioning 24 28 9 54 94 Profit before tax 121 229 255 41
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 FY26
Performance Highlights for FY26 Mutual fund Equity Operating Operating QAAUM1 QAAUM1 Revenue PBT PAT ₹ 4,35,866 crore ₹ 1,97,374 crore ₹ 1,845 crore ₹ 1,051 crore ₹ 975 crore Market share Market share2 4.06% ↑ 10% Y-o-Y ↑ 11 % Y-o-Y ↑ 5% Y-o-Y 6.02% Mix 45.3% Individual MAAUM SIP3 Contribution Servi
Slide 35: Strong growth in AUM
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 5% y-o-y 17% y-o-y 3,60,232 4,23,653 3,79,987 4,74,002 4,05,641 4,81,447 53,996 29,597 29,709 47,719 8,617 46,091 8,637 8,427 67,132 68,515 15,281 1,73,108 61,085 1,47,220 1,56,692 1,7
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 SIP1 Contribution Contributing SIP1 8% y-o-y 11% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 71,921 4.20 1,99,373 1,204 95% 1,169 4.05 90%
Slide 37: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q4 FY25 Q4 FY26 Fund Raising underway ABSL India Special Opportunities Fund Series II ABSL Structured Opportunities Fund II ₹ 32,570 Cr ABSL Money Manager Fund PMS/AIF ₹ 32,570 Cr^ ₹ 11,330 Cr ↑ 187% INR 7,861 Cr Product Pipeline (^
Slide 38: Building Passive Business
Building Passive Business Passive AUM1 ₹ 41,165 Cr ~16,91,000 Investor Folios Serviced 3x growth since Mar-23 Q4 FY23 Q4 FY26 INR 7,861 Cr Rank 1 ₹ 23,817 Cr ₹ 41,165 Cr ↑ 2x In Debt Index2 54 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 3,786 Cr ₹ 12,924 Cr ₹ 18,696 Cr ₹ 22,217 Cr ₹ 1,334
Slide 39: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 10,400 + new MFDs in FY26 310+ Locations 93,700+ 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 pin
Slide 40: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Revenue from Operations 429 478 458 1,685 1,845 Costs 196 204 206 741 794 Operating Profit 233 274 252 944 1,051 Other Income 72 84 -33 301 214 Profit before tax 305 358 219 1,245 1,266 Tax 77 88 32 314 291 Profit after tax 2
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 FY'26
Performance Highlights for FY’26 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ₹ 4,725 cr ₹ 7,314 cr ₹ 24,779 cr ₹ 110,505 cr 20.6% ↑ 15% Y-o-Y ↑ 31% Y-o-Y ↑ 20% Y-o-Y ↑ 11% Y-o-Y ↑ ~260 bps Y-o-Y Embedded Value at ` 15,447 Renewal Premium ↑ 17% RoEV 13.2% cr ↑ 12% Y-o-Y 43 1.Single premium @
Slide 44: 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 15% 12% 10% Y-o-Y Growth 31% 24% 19% 2 Yr CAGR2 24% 14% 10% 2 Yr CAGR2 27% 14% 10% ` crore +24% ` crore +27% 4,725 7,314 4,115 3,
Slide 45: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 4,700+ 450+ 70,000+ 121 28,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth over LYSP Channel Mix Product Mix by Channel (FY’26 ` In Cr) Protection PAR ULIP Proprietary Partnership Annuity NON PAR 23% 7% 4% 13% 11% 8% 41% 41% 36% 12% 35%
Slide 46: Value Accretive Products
Value Accretive Products… Akshaya Par Plan (New Variant) – (Launched in Apr’25) Product Mix ❖ Product with higher terminal bonus, equity component with immediate payout, and Income-in-advance option. 4% 3% 3% 5% Super Term Plan – (Launched in Jun’25) 7% 4% 4% 10% ❖ Career break benefit, 100% ROP on
Slide 47: …leading to expansion in margins
…leading to expansion in margins VNB1 Embedded Value2 ` crore ` crore 20.2% 18.0% 20.6% +12% 1,055 750 15,447 147 301 13,812 1,212 934 EVOP – ` 1,819 11,539 RoEV: 13.2% 1,055 818 697 FY24 FY25 FY26 FY24 FY’25 Unwind Net VNB Operating Assumption Economic Capital FY’26 of Profit Variance & Model Varia
Slide 48: Strong digital adoption
Strong digital adoption… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 83% Servicing 94% New Business 31% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 83% WhatsApp contributed PASA1 contributed 31% processed dig
Slide 49: …leading to healthy growth in Renewal Premium
…leading to healthy growth in Renewal Premium Total Renewal Premium Persistency1 Opex Ratio2 ( ` crore) Renewal Growth Digital Renewal Stable Persistency across cohorts Controlled Operating expenses ↑ 17% 14% Y-o-Y 83% 77%3 FY’26 FY’25 FY’24 Δ 2Y 15% - 2Yr CAGR 86% 20.4% 21.2% 13M 87% 1% 18.5% 87% 1
Slide 50: Robust investment process and performance
Robust investment process and performance… Asset Under Management (in ` Cr) Composition of AUM 13% - 2Yr CAGR 110,505 5% Debt 99,496 86,161 22% Equity 24% 76% 78% 74% 26% 24% 22% FY’24 FY’25 FY’26 49% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer Maxi
Slide 51: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (` crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Individual First year Premium1 1,619 1,345 1,878 4,633 5,275 Group First year Premium 1,551 2,125 2,965 5,587 7,314 Renewal Premium 3,864 3,036 4,465 10,419 12,190 Total Gross Premium 7,034 6,530 9,309 20,639 24,779 Oper
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 PSU relationships and New relationships to grow mindshare Mitigate interest rate risk by Active bond forw
Slide 53: Health Insurance
ADITYA BIRLA CAPITAL Health Insurance 53 Aditya Birla Capital Ltd.
Slide 54: Performance Highlights for FY26
Performance Highlights for FY26 GWP Market Share PBT1 Combined Ratio “without 1/n” `7,292 Cr (39% YoY) 13.4% SAHI ` 85 Cr 102% “with 1/n” ` 6,855 Cr (39% YoY) 13.7% SAHI ` 39 Cr 103% “with 1/n” 33% YoY LY 12.6% LY ` 6 Cr LY 105% LY 1 We Grew, faster than Market, with 2 3 Scale up of Health First mod
Slide 55: Accelerated Growth amid Industry Headwinds
Accelerated Growth amid Industry Headwinds 1 We are consistently growing Fast 2 Our Market share increased 3 Market Accretion in YTD Mar’26 on Acc. GWP Sales Acc. (Rs crs) 39%** 30% 29% 27% 27% Incremental SAHI GWP YTD Mar’26 26% 22% 21% 23% YTD YTD YTD Player Mar’25 Mar’26 Mar’26 16% Sales Sales Ac
Slide 56: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 224+ 186K+ 19 6,000+ 16K+ 12K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Proprietary 30% 28% Tier-I 27% 26% Indemnity 80% 85
Slide 57: Delivered Robust growth in Retail Distribution Mix and Growth
Retail Distribution Mix and Growth Highly Diversified Distribution Mix +43% 3936 YoY Proprietary Retail GWP 1 (` Crores) Tech enabled Sales Governance → higher productivity & Proprietary2 36% Improved Sourcing quality 1118 Delivered 2759 Channels Banca Robust Productivity improvement → Gain 820 Bank
Slide 58: 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 Mar’26 6.6L+ Mar’26 2.7L+ Mar’26 11.2% Dec’25 5.6L+ Dec’25 2.1L+ 9.9% Dec’25 Sep’25 4.5L+ Sep’25 1.8L+ Sep’25 9.4% Digital Deli
Slide 59: 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 100% 123% 94% 117% Loss Ratio 2.7+ Lakhs Persistency 75% 1
Slide 60: Activ Health App – Driving Revenue and Engagement
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 54% QoQ Digital > 8.2 lakh Lifestyle 147 Bn Steps in Q4 Health Assessment scores 4.7 Star Play-store Rating 50+
Slide 61: 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% 51% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ DIY renewals Renewals Propensity* Renewals ▪ Inhouse & Partner based Ecosystem Engagement ▪
Slide 62: Leveraging AI & Digital across Value Chain
Leveraging AI & Digital across Value Chain Enhancing Sales Growth Sharper Risk Management Business Outcomes Geo-based Beat Mapping and Branch Allocation AI/ML driven Superior FWA Detection model, to improve Sales productivity leveraging Industry data (BIMA Satark) ₹300 Cr.+ Savings via Enhanced Frau
Slide 63: Business Outcomes
Business Outcomes Revenue (` Cr.) 1 w/o Retail and Group Lives covered (Mn) Retail Multi year Rural Group (incl. Rural) 7,292 Byte +36% 6,855 24 22 19 4,940 3,936 3,497 12 13 3,702 8 2,447 1,916 5 3,359 3,356 5 8 1,786 2,493 5 4 3 FY24 FY25 FY26 FY26 FY24 FY25 FY26 w/o Profit Before Tax2 (` Cr.) w/o
Slide 64: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (₹ crore) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Retail premium 896 999 1,286 2,759 3,933 Group Premium 851 887 1,049 2,494 3,359 Gross written premium (without 1/n) 1,747 1,886 2,335 5,252 7,292 Gross written premium (with 1/n) 1,603 1,812 2,205 4,940 6,855 Revenue 1,
Slide 65: 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 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) Q4 FY25 Q3 FY26 Q4 FY26 FY25 FY26 Revenue 12,214 11,952 13,459 40,360 45,509 Profit Before Tax (before share of profit/(loss) of JVs 1,167 1,299 1,369 4,196 4,873 Add: Share of Profit/(loss) of associate and JVs 194 90 177 417 451 Less: Exceptional I
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