Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q4 FY25 Earnings Presentation
69 slides from Aditya Birla Capital's earnings presentation, May 13, 2025
Slide 1: Q4 FY25 Financial Results Investor Presentation
Q4 FY25 FINANCIAL RESULTS INVESTOR PRESENTATION May 13, 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 52.5% 16.3% Aditya Birla Capital Limited Listed (NBFC-ICC)1 Listed 100% 51% 45% 46% Aditya Birla Housing Aditya Birla Sun Life Aditya Birla Sun Life Aditya Birla Health Finance 100% Insurance AM
Slide 3: Performance Highlights for FY25
Performance Highlights for FY25 03
Slide 4: Consolidated financial performance for FY25
Consolidated financial performance for FY25 Revenue1 at ` 47,369 Cr (↑ 20% y-o-y) Profit after tax2 at ` 3,142 Cr (8% y-o-y) Total lending3 portfolio of ` 1,57,404 crore (↑ 27% y-o-y & ↑ 8% q-o-q) Total AUM4 of ` 5,11,260 Cr (↑ 17 % y-o-y) ; Life Insurance AUM Crossed ` 1 lac Crore5 Gross premium6 o
Slide 5: Strong growth momentum across businesses in FY25
Strong growth momentum across businesses in FY25 Standalone- Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM AAUM Growth1 Premium Growth ` 1,26,351 crore ` 31,053 crore ` 3,81,724 crore ` 1,69,065 crore Individual FYP Gross Premium4 20 y-o-y 69% y-o-y Domestic AAUM
Slide 6: Consolidated Revenue and PAT
Consolidated Revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue1 Businesses (` crore) FY24 FY25 Y-o-Y 20% y-o-y 47,369 Lending (excluding HFC) 2,987 3,360 12% 39,536 29,999 HFC 376 419 11% Asset Management 1,008 1,245 23% Life Insurance 198 158 20% FY23 FY24 FY25 Health
Slide 7: Standalone Profit & Loss statement
Standalone Profit & Loss statement Profit & Loss Statement Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Y-o-Y Interest income 3,290 3,584 3,611 12,134 14,029 Fee and other income 237 214 268 777 1,004 Total income 3,527 3,798 3,879 12,911 15,033 16% Interest expense 1,804 2,042 2,079 6,469 7,981 Net Interest i
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ` crore Mar-24 Mar-25 Loans 1,03,916 1,22,345 Investments 11,635 12,829 Other financial assets 1,379 2,870 Non-financial assets 1,138 1,256 Total assets 1,18,069 1,39,300 Borrowings & debt securities 92,292 1,11,136 Other financial liabilities 3,260 2,573 Non-fina
Slide 9: Omnichannel architecture
Omnichannel architecture 09
Slide 10: Omni Channel Architecture
Omni Channel Architecture... ABCD-D2C platform Robust & agile for customers Udyog Plus-B2B digital platforms platform for MSMEs B2D platform for channel partners One ABC 956 co-located branches Dedicated customer service locations across 253 locations managers for cross sell One Experience Channel 2
Slide 11: ABCD – Omnichannel D2C Platform
ABCD – Omnichannel D2C Platform 5.5 Mn 2.3 Mn 25+ Key Highlights in Q4FY25 Customers1 VPAs Created1 Product Categories1 Launch of Vehicle Track Add and track all vehicle information in one place Launch of DigiSilver Invest securely in silver starting from just ₹10 SIP feature across Investment Produ
Slide 12: UDYOG PLUS: Addressing 360o needs of MSMEs
UDYOG PLUS: Addressing 360o needs of MSMEs Architecture Progress Digital Platforms ABG ecosystem ~ 2.3 mn (API, WEB & MOBILE) (API, WEB & MOBILE) Registrations ~ 3,500 Cr+ AUM 21% Contribution to unsecured business 50% Sourcing from ABG Digital Infrastructure Value added service partners ecosystem (
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 01 4
Slide 15: NBFC
ADITYA BIRLA CAPITAL NBFC 01 Aditya Birla Capital Ltd.
Slide 16: Performance Highlights for FY25
Performance Highlights for FY25 Retail, SME AUM1 NII3 PBT GS2 & GS34 & HNI loans2 ₹ 81,306 crore ₹ 1,26,351 crore ₹ 6,940 crore ₹ 3,360 crore 3.78% (64% of AUM) ↑ 20% Y-o-Y ↑ 22% Y-o-Y ↓ 71 bps Y-o-Y ↑ 10% Y-o-Y ↑ 12% Y-o-Y ↑ 6% Q-o-Q ↑ 9% Q-o-Q ↓ 47 bps Q-o-Q Credit Cost of 1.31% for 449 branches a
Slide 17: Strong Growth in AUM
Strong Growth in AUM… AUM (₹ crore) Mar’24 Dec’24 Mar’25 Mar’25 Mix Q-o-Q Y-o-Y - Unsecured business 10,979 11,196 12,066 10% 8% 10% - Secured business 45,256 54,402 57,992 46% 7% 28% Total Business loans 56,235 65,598 70,058 56% 7% 25% Personal & Consumer loans 17,434 15,520 15,532 12% 0% -11% Corp
Slide 18: Growth Momentum in Business Loans
Growth Momentum in Business Loans Personal & Consumer 11% y-o-y Secured business 28% y-o-y 54,402 57,992 Total 17,434 LAS 15% 3% 1% 15,520 15,532 45,256 16% CL - Others 2% 2% TL / WCDL CL - BNPL 15% 22% 22% PL LRD 4% 97% 24% 4% 98% 98% LAP 5% 58% 58% 56% Mar-24 Dec-24 Mar-25 Mar-24 Dec-24 Mar-25 Uns
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 :: 42 : 58 Direct – 100% 19
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 91% Digitally 98% Interactions 94% Accuracy 89% Customer Customer Process Collections Acquisition Servicing Automation Fully agile tech stack for Inbound contact center Significant
Slide 21: Customer Profile
Underwriting Approach in Personal and Consumer Loans Bureau Score Buckets Underwriting Approach ❖ Utilization of Scorecard for better Customer Selection 1% 58% 4% ❖ Usage of Alternate Data in credit decisioning Customer Profile ❖ STP process for faster TAT 37% ❖ Usage of behavior based Predictive Mo
Slide 22: Prudent Risk Management Practices
Prudent Risk Management Practices… Mar’24 Dec’24 Mar’25 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.51% 1,00,942 95.75% 1,12,697 96.22% 1,19,426 Stage 2 1.98% 2,094 1.98% 2,329 1.54% 1,914 Stage 3 2.51% 2,649 2.27% 2,674 2.24% 2,777 Stage 2 and 3 4.49% 4,743 4.25% 5,003 3.78% 4,692 Total Lo
Slide 23: Well Matched ALM and Diversified Borrowing Mix
Well Matched ALM and Diversified Borrowing Mix Funding Mix 100%100% Cumulative Outflows Cumulative Inflows 4% 6% 80%82% 8% 11% 7% 11% 50% 49% 37% 40% 19% 22% 26% 31% 14% 16% 6% 8% 8%10% 0 - 1 Month 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Mar’24 Mar’25 Months Months Months Term Loan NCD CP ECB C
Slide 24: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Gross Revenue^ 3,376 3,704 3,769 12,436 14,522 Interest Cost 1,683 1,970 1,983 6,139 7,583 Net Interest Income 1,693 1,734 1,786 6,296 6,940 Operating Expenses 550 541 556 1,957 2,136 Credit Provis
Slide 25: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 02 Aditya Birla Capital Ltd.
Slide 26: Performance Highlights for FY25
Performance Highlights for FY25 Disbursement AUM NII1 GS3 PBT ₹ 17,648 crore ₹ 31,053 crore ₹ 1,126 crore 0.66% ₹ 419 crore ↑ 69% Y-o-Y ↑ 38% Y-o-Y ↓ 116 bps Y-o-Y ↑ 109% Y-o-Y ↑ 11% Y-o-Y ↑ 16% Q-o-Q ↓ 33 bps Q-o-Q 1.39% Stage 2 and 3 Loans 12% ABG ecosystem 1.46% RoA contribution to retail ↓ 152 b
Slide 27: Continued growth in disbursements and AUM
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 98% y-o-y 69% y-o-y 5,820 18,420 26,714 31,053 10.6% 13.5% 14.2% 4,750 8.2% 9.8% 9.7% 32.4% 29.2% 28.8% 2,933 17.7% 19.5% 20.5% 31.2% 28.0% 26.8% Q4 FY24 Q3 FY25 Q4 FY25 Prime - HL Prime - LAP Affor
Slide 28: …with focus on portfolio quality
…with focus on portfolio quality Particulars Mar’24 Dec’24 Mar’25 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 97.09% 17,358 98.23% 24,815 98.61% 28,781 Stage 2 1.08% 194 0.78% 197 0.73% 212 Stage 3 1.82% 325 0.99% 251 0.66% 193 Stage 2 and 3 2.91% 519 1.77% 447 1.39% 405 Total 100.0% 17,877 100.0% 25,262
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 Mar 31, 2025) Mar-24 Mar-25 13% 14% Cumulative Outflows Cumulative Inflows 100% 100% 39% 33% 83%82% Term Loan NHB NCD 35% 28% 29% Others 23% 15%17% 19% 11%12% 41% 5% 6% 12% 0-1 months 1-2 months 2-3 mo
Slide 30: P&L and Key Ratios - Aditya Birla Housing Finance
P&L and Key Ratios - Aditya Birla Housing Finance (₹ crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Net Interest Income (Incl. fee income) 211 290 335 815 1,126 Operating expenses 123 169 190 443 653 Operating profit 88 121 145 372 473 Credit provisioning -7 11 24 -5 54 Profit before tax 95 110 121 376 41
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 FY25
Performance Highlights for FY25 Mutual fund Equity Operating Operating QAAUM1 QAAUM1 Revenue PBT PAT ₹ 3,81,724 crore ₹ 1,69,065 crore ₹ 1,685 crore ₹ 944 crore ₹ 931 crore Market share Market share2 4.23% ↑ 25% Y-o-Y ↑ 31% Y-o-Y ↑ 19% Y-o-Y 6.30% Mix 44.3% Individual MAAUM Monthly SIP3 flows Servic
Slide 34: Strong growth in AUM
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 17% y-o-y 15% y-o-y 3,66,044 3,60,232 3,45,837 4,00,941 4,05,641 3,11,995 839 8,637 45,863 16,191 15,281 46,091 887 58,122 61,085 13,241 34,949 49,739 1,46,958 1,47,220 1,46,308 1,51,5
Slide 35: …backed by growth in retail franchise
…backed by growth in retail franchise Individual B-30 Building sustainable Long Tenure (2) MAAUM MAAUM SIP (1) flows SIP Book SIP Flows in # of Live Outstanding 6% y-o-y 12% y-o-y ₹ Crore SIPs (Mn) % Count of Total SIPs 64,534 95% 1,73,238 1,84,471 89% 1,316 4.23 1,252 3.58 57,816 Mar-24 Mar-25 Mar-
Slide 36: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q4 FY24 Q4 FY25 Fund Raising underway ABSL India Special Opportunities Fund ABSL Structured Opportunities Fund II ` 11,330 Cr ABSL Money Manager Fund PMS/AIF ` 11,330 Cr^ ` 3,075 Cr ↑ 268% INR 7,861 Cr Product Pipeline (^Include ESI
Slide 37: Building Passive Business
Building Passive Business Passive AUM1 ` 34,694 Cr ~11,60,000 Investor Folios Serviced 3x growth since Mar-22 Mar-2025 Mar-2022 INR 7,861 Cr ` 9,962 Cr Rank 1 ↑ 3x ` 34,694 Cr In Debt Index2 53 Extensive product bouquet ETF AUM Index AUM FOF AUM 2x growth since Mar-22 ` 1,355Cr ↑6x ` 8,009 Cr ` 7,43
Slide 38: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 10,500 + new MFDs in FY25 300+ Locations 89,000+ 90+ 89 330 130+ MFDs Banks Emerging Market National Digital Over 80% are Locations Distributors Partners in B30 cities Servicing Investors across 19,000+ Pan-India pin co
Slide 39: P&L - Aditya Birla Sunlife AMC
P&L - Aditya Birla Sunlife AMC (₹ crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Revenue from Operations 366 445 429 1,353 1,685 Costs 173 184 196 632 741 Operating Profit 193 261 233 721 944 Other Income 75 39 72 287 301 Profit before tax 268 300 305 1,008 1,245 Tax 59 76 77 228 314 Profit after tax 208
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 41 Aditya Birla Capital Ltd.
Slide 42: Performance Highlights for FY25
Performance Highlights for FY25 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 4,115 cr ` 5,586 cr ` 20,639 cr ` 99,496 cr 18.0% ↑ 34% Y-o-Y ↑ 23% Y-o-Y ↑ 20% Y-o-Y ↑ 15% Y-o-Y ↓ ~220 bps Y-o-Y NB Policies growth at 24% Renewal Premium ↑ 14% RoEV 19.2% 42 1.Single premium @ 10% 2.Individual
Slide 43: Outperformed industry in individual and group
Outperformed industry in individual and group… 68 bps increase in Market share YoY 112 bps increase in Market share YoY Individual FYP1 (Single Premium at 10%) Group FYP (Single Premium at 100%) Industry Private Players ABSLI Industry Private Players ABSLI Y-o-Y Growth ↑ 10% ↑ 15% ↑ 34% Y-o-Y Growth
Slide 44: Diversified and scaled up distribution mix
Diversified and scaled up distribution mix… 4,700+ 430 65,500+ 121 28,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches Strong growth across channels Channel Mix Product Mix by Channel (FY25 FYP ` In Cr) (FY25) Proprietary Partnership Protection Traditional ULIP 33% 34% 5% 2% 40% 41% 41% 6
Slide 45: Calibrated product mix for better value accretion
Calibrated product mix for better value accretion… Product Mix Salaried Suraksha Plan + Critical Illness Rider (ULIP) ❖ Life coverage along with market linked growth 3% 2% 4% 3% 3% ❖ Covers up to 64 critical illness 7% Param Suraksha- High Sum Assured ULIP 5 New ❖ High SA ULIP coupled with Riders Pr
Slide 46: …leading to top quartile RoEV
…leading to top quartile RoEV VNB1 Embedded Value2 ` crore ` crore 23.0% 20.2% 18.0% +20% 13,812 77 319 251 311 818 11,539 999 9,014 EVOP – ` 2,213 RoEV: 19.2% 800 818 697 FY23 FY24 FY25 FY23 FY’24 Unwind Net VNB Operating Assumption Economic Capital FY’25 of Profit Variance & Model Variance Injecti
Slide 47: Strong digital adoption leading to…
Strong digital adoption leading to… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal2 81% Servicing 94% New Business 37% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 81% WhatsApp & Chatbot PASA1 contributed 37% pro
Slide 48: …consistent improvement in persistency and efficiency
…consistent improvement in persistency and efficiency Total Renewal Premium Persistency1 Opex Ratio2 ( ` crore) Renewal Growth Digital Renewal Improving Persistency across all Controlled Operating expenses cohorts ↑ 14% Y-o-Y 77%3 81% FY25 FY24 FY23 Δ 2Y 19% - 2Yr CAGR 88% 13 M 1% 88% 20.4% 87% 19.5
Slide 49: Robust investment process and performance
Robust investment process and performance… Asset Under Management (in ` Cr) Composition of AUM 19% - 2Yr CAGR 99,496 2% Debt 86,161 24% 70,051 24% Equity 76% 74% 76% 24% 26% 24% FY23 FY24 FY25 49% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer Maximize
Slide 50: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (` crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Individual First year Premium1 1,316 1,133 1,619 3,546 4,633 Group First year Premium 1,506 1,202 1,551 4,554 5,587 Renewal Premium 3,337 2,613 3,864 9,160 10,419 Total Gross Premium 6,159 4,948 7,034 17,260 20,639 Opera
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 forward r
Slide 52: Health Insurance
ADITYA BIRLA CAPITAL Health Insurance 52 Aditya Birla Capital Ltd.
Slide 53: Performance Highlights for FY25
Performance Highlights for FY25 GWP Market Share PBT1 Combined Ratio “without 1/n” 5,252 Cr (42% YoY) 12.6% SAHI 75 Cr 102% “with 1/n” 4,940 Cr (33% YoY) 12.6% SAHI 6 Cr 105% 36% YoY LY 11.2% LY (182) Cr LY 110% LY We Grew, faster than 2 Delivering Superior Scaleup of Digitally enabled 1 3 Market, w
Slide 54: Accelerated Growth amid Industry Headwinds
Accelerated Growth amid Industry Headwinds 18% Market Accretion in FY25 1 We continue to grow faster than the market 2 Our Market share increased* 3 vs 14% in FY24 FY25 * FY25 ** 39% Incremental SAHI GWP FY25 32% 30% 30% Player FY24* FY25* 21% 21% 15% 13% SAHI 1 2,302 2,234 10% 6% SAHI 2 1,723 2,093
Slide 55: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 225+ 140K+ 19 5,800+ 12.5K+ 7.5K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Tier-wise GWP Proprietary 31% 29% Tier-I 26% 27% Indemnity 83% 82% Tier-II 34
Slide 56: Retail Distribution Mix and Business Growth
Retail Distribution Mix and Business Growth Highly Diversified Distribution Mix +44% 2759 YoY Proprietary Retail GWP 1 (` Crores) Continued focus on leveraging One ABC branches | 26% Proprietary3 38% increase in Agent count 820 Delivered 1916 Channels Banca Robust Penetrating new verticals within gr
Slide 57: Scaled up Differentiated health first Model
Scaled up Differentiated health first Model Model Know your Health Improve your Health Get Rewarded Scale Health Assessments Lives Intervened Eligible Customers earning HR* Mar’25 3.8L+ Mar’25 1.3L+ Mar’25 8.9% Mar’24 2.6L+ Mar’24 0.9L+ Mar’24 6.4% Digital Delivery ▪ Digital Face Scan ▪ Activ Age Fe
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 engaged customers is higher than inactive 1.3L+ 100% 108% High Risk Customers 94% 96% Intervened 79% 102% 103% 103% Loss Ra
Slide 59: Comprehensive Product Suite Enabling Growth
Comprehensive Product Resulting in industry Suite leading Enabling Growth engagement Product Innovation & Market expansion Incentivize Wellness Segment Specific Retail Offerings Upto 100% of Health Returns (Return of Premium) Young & Health conscious Chronic Care Byte & Contextual 7 conditions with
Slide 60: Activ Health App as a leading engagement platform
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 79 Mins Inhouse built native App Engagement time/user/month Digital Health 367 Bn Steps 4.7 Star Play-store
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 87% 38% 34% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ Customer initiated renewals Renewals Propensity* Renewals Engagement ▪ ▪ Leveraging Inhouse
Slide 62: Leveraging Data Science across Customer Lifecycle
Leveraging Data Science across Customer Lifecycle Higher Renewal Uplift in lead Enhanced Fraud 1.6x 170 Cr+ propensity ~2.7x Health Returns1 8.9% based cross-sell Detection Savings customers Revenue Boost Risk Management Customer Engagement Health Management & Retention Applications ML-driven Superi
Slide 63: Business Outcomes
Business Outcomes Revenue (` Cr.) w/o Lives covered (Mn) Retail Multi year Retail and Group Rural Group (incl. Rural) +35% 5252 Byte 4940 22 19 19 3702 2447 2759 4 12 2717 8 1916 1519 8 5 5 1786 2494 2494 1198 6 5 4 FY23 FY24 FY25 FY25 FY23 FY24 FY25 w/o Combined Ratio (%) Profit Before Tax1 (` Cr.)
Slide 64: P&L- Health Insurance
P&L- Health Insurance (` crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Retail premium 636 646 896 1,915 2,759 Group Premium 666 689 851 1,786 2,494 Gross written premium (without 1/n) 1,302 1,335 1,747 3,701 5,252 Gross written premium (with 1/n) 1,302 1,167 1,603 3,701 4,940 Revenue 1,212 1,093 1,461 3,
Slide 65: Our Approach – Health First Data-driven Model
Our Approach – Health First Data-driven Model Prioritize identified targeted customer segments Differentiated Health Incentivise Health-conscious customers and manage chronic conditions through coaching intervention First approach Data driven Customer Risk stratification for superior customer unders
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 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Revenue 10,293 9,370 12,214 33,454 40,360 Profit Before Tax (before share of profit/(loss) of JVs 961 957 1,167 3,725 4,196 Add: Share of Profit/(loss) of associate and JVs 143 62 194 304 417 Profit before tax 1,103
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