Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q2 FY26 Earnings Presentation
68 slides from Aditya Birla Capital's earnings presentation, Oct 30, 2025
Slide 1: Q2 FY26 Financial Results Investor Presentation
Q2 FY26 FINANCIAL RESULTS INVESTOR PRESENTATION October 30, 2025 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 52.4% 16.3% Aditya Birla Capital Limited (Operating Listed company) Listed 100% 51% 45% 46% Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance Insurance
Slide 3: Performance Highlights for Q2 FY26
Performance Highlights for Q2 FY26 03
Slide 4: Consolidated financial performance
Consolidated financial performance Revenue1 at ` 12,481 Cr (↑ 4% y-o-y) in Q2 FY26 Profit after tax at ` 855 Cr (↑ 3% y-o-y2) in Q2 FY26 Total lending3 portfolio of ` 1,77,855 crore (↑ 29% y-o-y & ↑ 7 % q-o-q) at Sep 30, 2025 Total AUM4 of ` 5,50,240 Cr (↑ 10 % y-o-y) in Q2 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 ₹ 1,39,585 crore ₹ 38,270 crore ₹ 4,25,171 crore ₹ 1,92,401 crore Individual FYP Gross Premium5 22% y-o-y 65% 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) Q2 FY25 Q2 FY26 Y-o-Y 4% y-o-y Lending (excluding HFC) 844 956 13% 12,007 12,481 8,831 HFC 104 194 87% Asset Management 335 316 6% Life Insurance 44 67 51% Q2 FY24 Q2 FY25 Q2 FY
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Q2-o-Q2 Interest income 14,029 3,431 3,792 3,942 6,834 7,734 Fee and other income 1,004 281 249 271 522 521 Total income 15,033 3,712 4,042 4,213 7,357 8,254 13% Interest expense 7,981 1,966 2,173
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ` crore June-25 Sep-25 Loans 1,26,096 1,32,758 Investments 13,651 14,562 Other financial assets 3,071 4,587 Non-financial assets 1,278 1,345 Total assets 1,44,097 1,53,253 Borrowings & debt securities 1,14,066 1,22,364 Other financial liabilities 3,628 3,548 Non-f
Slide 9: Omnichannel architecture
Omnichannel architecture 09
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 1,028 co-located branches Dedicated customer service locations across 260 locations managers for cross sell One Experience Channel
Slide 11: ABCD: A D2C Omnichannel Platform
ABCD: A D2C Omnichannel Platform 7.6 Mn+ 26+ 3.0 Mn Key Launches Customers* Product Categories VPAs Created* • Spend Track Nudges: AI-powered insights to turn data into smarter money moves • Market Pulse: Daily financial markets snapshot • Smart Signals: Nudges & reminders to stay on top of spending
Slide 12: 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 ` 4,397 Cr AUM 32% Contribution to unsecured business 38% Sourcing from ABG Digital Infrastructure Value added service partners ecosystem (A
Slide 13: ABC Stellar: B2D platform
ABC Stellar: B2D platform Seamless on-boarding ► Both DIY & assisted journey to onboard the distributor. ► Interchangeable journey for ease of onboarding Digital office & marketing tools ► Marketing & campaign management tools enhancing prospect conversion. ► Co-branded collateral with social media
Slide 14: Business-wise performance
Business-wise performance 14
Slide 15: NBFC
ADITYA BIRLA CAPITAL NBFC 01 Aditya Birla Capital Ltd.
Slide 16: Performance Highlights for Q2 FY26
Performance Highlights for Q2 FY26 Retail, SME AUM1 NII3 PBT GS2 & GS34 & HNI loans2 ₹ 91,450 crore ₹ 1,39,585 crore ₹ 1,994 crore ₹ 956 crore 3.03% (66% of AUM) ↑ 22% Y-o-Y ↑ 22% Y-o-Y ↑ 17% Y-o-Y ↑ 13% Y-o-Y ↓ 121 bps Y-o-Y ↑ 6% Q-o-Q ↑ 8% Q-o-Q ↑ 7% Q-o-Q ↑ 3% Q-o-Q ↓ 67 bps Q-o-Q 467 branches as
Slide 17: Strong Growth in AUM…
Strong Growth in AUM… AUM (₹ crore) Sep’24 Jun’25 Sep’25 Sep’25 Mix Q-o-Q Y-o-Y - Unsecured business 11,020 12,344 13,663 10% 11% 24% - Secured business 52,207 60,227 63,869 46% 6% 22% Total Business loans 63,228 72,571 77,532 56% 7% 23% Personal & Consumer loans 15,793 16,446 18,218 13% 11% 15% Cor
Slide 18: Portfolio Mix
Portfolio Mix Personal & Consumer 11% q-o-q 15% y-o-y Secured business 6% q-o-q 22% y-o-y 60,227 63,869 18,218 LAS 16,446 2% 17% 15,793 52,207 16% 2% 3% Consumer Loan TL / WCDL 17% 21% 22% LRD 4% 98% 22% 4% Personal Loan 98% 97% LAP 5% 58% 59% 57% Sep-24 Jun-25 Sep-25 Sep-24 Jun-25 Sep-25 Unsecured
Slide 19: 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 :: 45 : 55 Direct – 100% 35
Slide 20: 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 97% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Gen AI based voice bots End to End
Slide 21: Customer Profile
Underwriting Approach in Personal and Consumer Loans Bureau Score Buckets Underwriting Approach ❖ Utilization of Scorecard for better Customer Selection 1% 3% 63% ❖ Usage of Alternate Data in credit decisioning Customer Profile ❖ STP process for faster TAT 33% ❖ Usage of behavior based Predictive Mo
Slide 22: Prudent Risk Management Practices
Prudent Risk Management Practices… Sep’24 Jun’25 Sep’25 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.76% 1,09,365 96.30% 1,23,209 96.97% 1,30,336 Stage 2 1.74% 1,989 1.43% 1,834 1.35% 1,812 Stage 3 2.50% 2,851 2.27% 2,905 1.68% 2,261 Stage 2 and 3 4.24% 4,839 3.70% 4,739 3.03% 4,073 Total Lo
Slide 23: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Funding Mix Cumulative Outflows Cumulative Inflows 100%100% 10% 7% 84% 4% 79% 9% 9% 8% 42% 43% 36% 51% 22% 25% 26% 34% 15% 18% 11%14% 6% 8% 0-1 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Sep’24 Sep’25 Month Months Months Months Term Loan NCD CP ECB CC
Slide 24: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Gross Revenue^ 14,522 3,551 3,922 4,147 7,050 8,069 Interest Cost 7,583 1,840 2,063 2,153 3,630 4,216 Net Interest Income 6,940 1,711 1,859 1,994 3,420 3,853 Operating Expenses 2,136 531
Slide 25: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 02 Aditya Birla Capital Ltd.
Slide 26: Performance Highlights for Q2 FY26
Performance Highlights for Q2 FY26 Disbursement AUM NII1 GS3 PBT ₹ 5,786 crore ₹ 38,270 crore ₹ 420 crore 0.61% ₹ 194 crore ↑ 44% Y-o-Y ↑ 65% Y-o-Y ↑ 54% Y-o-Y ↓ 69 bps Y-o-Y ↑ 87% Y-o-Y ↑ 7% Q-o-Q ↑ 11% Q-o-Q ↑ 11% Q-o-Q ↓ 2 bps Q-o-Q ↑ 26% Q-o-Q 15.9% ABG ecosystem 1.10% Stage 2 and 3 Loans 1.82%
Slide 27: Continued growth in disbursements and AUM…
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 44% y-o-y 65% y-o-y 5,786 23,236 34,605 38,270 5,404 13% 15% 15% 9% 10% 10% 4,010 30% 29% 28% 19% 21% 21% 29% 26% 26% Q2 FY25 Q1 FY26 Q2 FY26 Prime-HL Prime-LAP Affordable -HL Q2 FY25 Q1 FY26 Q2 FY2
Slide 28: …with focus on portfolio quality
…with focus on portfolio quality Particulars Sep’24 Jun’25 Sep’25 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 97.78% 21,717 98.66% 31,474 98.90% 34,440 Stage 2 0.92% 205 0.72% 229 0.49% 172 Stage 3 1.30% 288 0.62% 199 0.61% 212 Stage 2 and 3 2.22% 493 1.34% 428 1.10% 383 Total 100.0% 22,210 100.0% 31,902
Slide 29: 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, 2025) Sep-24 Sep-25 100% 100% 14% 11% 80% 80% 35% 29% Term Loan 34% NHB 23% 27% 15% 17% 18% NCD 6% 8% 10% 12% 33% Others 10% 0-1 months 1-2 months 2-3 months 3-6 months 6-12 months 1-5 year > 5
Slide 30: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Net Interest Income (Incl. fee income)1 1,126 273 377 420 500 797 Operating expenses 653 157 194 197 293 392 Operating profit 473 116 183 222 207 405 Credit provisioning 54 12 29 28 19 57 Profit
Slide 31: 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 32: AMC
ADITYA BIRLA CAPITAL AMC 03 Aditya Birla Capital Ltd.
Slide 33: Performance Highlights for Q2 FY26
Performance Highlights for Q2 FY26 Mutual fund Equity Operating Operating QAAUM1 QAAUM1 Revenue PBT PAT ₹ 4,25,171 crore ₹ 1,92,401 crore ₹ 461 crore ₹ 270 crore ₹ 241 crore Market share Market share2 4.15% ↑ 9% Y-o-Y ↑ 13 % Y-o-Y Y-o-Y 6.14% Mix 45.3% Individual MAAUM SIP3 Contribution Serviced 10.
Slide 34: Strong growth in AUM…
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 9% y-o-y 15% y-o-y 3,72,434 4,07,206 4,07,337 4,00,396 4,43,263 4,60,817 25,685 26,970 54,904 56,473 1,003 8,677 49,579 14,099 16,084 63,670 63,588 62,086 1,63,437 1,64,880 1,39,097 1,
Slide 35: …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 2% y-o-y 5% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 1,212 2,03,391 2,06,554 1,100 95% 4.29 90% 74,
Slide 36: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q2 FY25 Q2 FY26 Fund Raising underway ABSL India Special Opportunities Fund ABSL Structured Opportunities Fund II ₹ 30,250 Cr ABSL Money Manager Fund PMS/AIF ₹ 30,250 Cr^ ₹ 3,852 Cr ↑ 685% INR 7,861 Cr Product Pipeline (^Include ESI
Slide 37: Building Passive Business
Building Passive Business Passive AUM1 ₹ 36,098 Cr ~13,50,000 Investor Folios Serviced 3x growth since Sep-22 Q2 FY22 Q2 FY25 INR 7,861 Cr Rank 1 ₹ 15,285 Cr ₹ 36,098 Cr ↑ 2x In Debt Index2 53 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 1,613 Cr ₹ 8,845 Cr ₹ 12,492 Cr ₹ 23,198 Cr ₹ 1,181 C
Slide 38: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 5,300 + new MFDs in H1 FY26 300+ Locations 92,000+ 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 p
Slide 39: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Revenue from Operations 1,685 424 447 461 811 909 Costs 741 185 193 191 362 384 Operating Profit 944 239 254 270 449 525 Other Income 301 96 118 46 191 163 Profit before tax 1,245 335 372 316 640 688 Tax 314 93 95
Slide 40: 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 41: Life Insurance
ADITYA BIRLA CAPITAL Life Insurance 4 Aditya Birla Capital Ltd.
Slide 42: Performance Highlights for H1 FY’26
Performance Highlights for H1 FY’26 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 1,880 cr ` 2,223 cr ` 8,941 cr ` 104,492 cr 11.6% ↑ 19% Y-o-Y ↓ 22% Y-o-Y ↑ 3% Y-o-Y ↑ 9% Y-o-Y ↑ ~420 bps Y-o-Y Embedded Value at ` 14,586 Expansion of margin with Renewal Premium ↑ 18% cr balanced product mi
Slide 43: 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 19% 8% 2% Y-o-Y Growth -22% 19% 11% 2 Yr CAGR2 26% 16% 11% 2 Yr CAGR2 7% 10% 15% +7% ` crore +26% ` crore 1,880 2,834 1,578 2,223
Slide 44: Diversified and scaled up distribution mix…
Diversified and scaled up distribution mix… 4,700+ 440+ 65,200+ 121 28,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth across channels Channel Mix Product Mix by Channel (H1 FY’26 ` In Cr) Proprietary Partnership Protection Traditional Annuity ULIP 23% 8% 7% 4% 3% 38% 38% 36% 13%
Slide 45: Value Accretive Products leading to expansion in margins…
Value Accretive Products leading to expansion in margins… Product Mix Protection VNB1 Annuity ` crore Traditional 3% 3% 3% 5% ULIP 14.2% 20.2% 7.4% 18% 11.6% 18%+ 7% 6% 54% 59% 76% 697 818 36% 31% 18% 195 136 237 H1 FY’24 H1 FY’25 H1 FY’26 H1 FY’24 FY’24 H1 FY’25 FY’25 H1 FY’26 FY’26 E ❖ Pre-Approve
Slide 46: Strong digital adoption…
Strong digital adoption… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 83% Servicing 93% New Business 33% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 83% WhatsApp contributed PASA1 contributed 33% processed dig
Slide 47: …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 ↑ 18% 14% Y-o-Y 83% 77%3 H1 FY’26 H1 FY’25 H1 FY’24 Δ 2Y 15% - 2Yr CAGR 86% 24.6
Slide 48: Robust investment process and performance…
Robust investment process and performance… Asset Under Management (in ` cr) Composition of AUM 16% - 2Yr CAGR 1,04,492 4% Debt 95,553 23% 76,994 23% Equity 75% 76% 75% 25% 25% 24% Sep’23 Sep’24 Sep’25 50% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer
Slide 49: P&L and Key Ratios - Aditya Birla Sun Life Insurance
P&L and Key Ratios - Aditya Birla Sun Life Insurance (` crore) FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Individual First year Premium1 4,633 1,074 880 1,173 1,881 2,053 Group First year Premium 5,587 1,336 736 1,488 2,834 2,223 Renewal Premium 10,419 2,261 1,978 2,686 3,942 4,664 Total Gross Pre
Slide 50: 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 forward r
Slide 51: Health Insurance
ADITYA BIRLA CAPITAL Health Insurance 51 Aditya Birla Capital Ltd.
Slide 52: Performance Highlights for H1 FY26
Performance Highlights for H1 FY26 GWP Market Share PBT1 Combined Ratio “without 1/n” ` 3,070 Cr (41% YoY) 13.6% SAHI ` (76) Cr 108% “with 1/n” ` 2,839 Cr (31% YoY) 13.9% SAHI ` (102) Cr 112% “without 1/n” 39% YoY LY 11.9% LY (115) Cr LY 113% LY 1 We Grew, faster than Market… 2 Distribution footprin
Slide 53: Accelerated Growth amid Industry Headwinds
Accelerated Growth amid Industry Headwinds 1 We are consistently growing Fast 2 Our Market share increased 3 No.1 in Market Accretion in H1 FY26 on Acc. GWP H1 FY26* 41%** 36% H1 FY26** Incremental SAHI GWP H1 FY26 36% 27% 25% H1 H1 23% Player H1 18% FY26 FY26 16% (Crs) FY25 Sales Acc. 13% 7% SAHI 1
Slide 54: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 224+ 161K+ 20 6,300+ 14K+ 11K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Proprietary 28% 26% Tier-I 27% 27% 29% Indemnity 80
Slide 55: Delivered Robust growth in Retail Distribution Mix and Growth
Retail Distribution Mix and Growth Highly Diversified Distribution Mix +35% 1647 YoY Proprietary Retail GWP 1 (` Crores) Tech led transformation → driving productivity Proprietary3 26% enhancements 433 Delivered 1217 Channels Banca Robust 344 Structure optimisation | 485 Banks 19% growth in Improvin
Slide 56: 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 Sep’25 4.47L+ Sep’25 1.8L+ Sep’25 9.4% Jun’25 4.1L+ Jun’25 1.4L+ Jun’25 9.1% Mar’25 3.8L+ Mar’25 1.3L+ Mar’25 8.9% Digital Deli
Slide 57: 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% 98% 101% 128% 120% 120% 120% Loss Ratio 77% 1.8+ Lakh
Slide 58: Activ Health App as a leading product
Activ Health Resulting App as aleading in industry productengagement – Driving Revenue and Engagement “One-stop Solution” for Health and Wellness needs Superior customer engagement Utilization 67 Mins Inhouse built native App Engagement time/user/month 28% QoQ Digital Health 189 Bn Steps in H1 4.6 S
Slide 59: Adopting Digital approach across multiple focus areas
Adopting Digital approach across multiple focus areas Focus Key Initiatives & Wins ▪ Client acquisition through the App 87% 32% 41% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ Customer initiated renewals Renewals Propensity* Renewals Engagement ▪ ▪ Leveraging Inhouse
Slide 60: Leveraging Data Science across Customer Lifecycle
Leveraging Data Science across Customer Lifecycle Uplift in lead Enhanced Fraud Human Calling ~40% 132 Cr+ ~35% Health Returns1 9.4% based cross-sell Detection Savings Reduction Revenue Boost Risk Management Customer Engagement Health Management & Retention Applications ML-driven Superior Cross- AI/
Slide 61: Tech led Transformation across Journeys
Tech led Transformation across Journeys Concept Tech enabled Hyper Personalization AI / ML Driven Claims distribution Engagement Management ▪ 3600 tech led transformation initiatives ▪ AI/ML based communication decisioning ▪ Superior Underwriting: Intelligent to drive Governance, Productivity etc.,
Slide 62: Business Outcomes
Business Outcomes Revenue (` Cr.) w/o Lives covered (Mn) Retail Multi year Retail and Group Rural Group (incl. Rural) +35% 3,070 Byte 2839 21 23 2171 18 1416 1647 7 1561 15 1217 9 808 8 1423 1423 3 5 752 953 5 7 3 H1 FY24 H1 FY25 H1 FY26 H1 FY26 H1 FY 24 H1 FY25 H1 FY26 w/o Combined Ratio (%) Profit
Slide 63: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (` crore) FY25 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Retail premium 2,759 666 768 879 1,217 1,647 Group Premium 2,494 464 692 731 953 1,423 Gross written premium (without 1/n) 5,252 1,130 1,461 1,610 2,171 3,070 Gross written premium (with 1/n) 4,940 1,130 1,357
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 Q2 FY25 Q1 FY26 Q2 FY26 H1 FY25 H1 FY26 Revenue 40,360 10,119 9,503 10,595 18,776 20,098 Profit Before Tax (before share of profit/(loss) of JVs 4,196 1,126 1,071 1,134 2,073 2,205 Add: Share of Profit/(loss) of associate and JVs 417 79 107 77 1
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