Aditya Birla Capital Ltd. · NSE:ABCAPITAL
Aditya Birla Capital — Q1 FY26 Earnings Presentation
69 slides from Aditya Birla Capital's earnings presentation, Aug 4, 2025
Slide 1: Q1 FY26 Financial Results Investor Presentation
Q1 FY26 FINANCIAL RESULTS INVESTOR PRESENTATION August 4, 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 Insurance 100% AM
Slide 3: Performance Highlights for Q1 FY26
Performance Highlights for Q1 FY26 03
Slide 4: Consolidated financial performance for Q1 FY26
Consolidated financial performance for Q1 FY26 Revenue1 at ` 11,333 Cr (↑ 10% y-o-y) Profit after tax at ` 835 Cr (↑ 10% y-o-y) Total lending2 portfolio of ` 1,65,832 crore (↑ 30% y-o-y & ↑ 5 % q-o-q) Total AUM3 of ` 5,53,504 Cr (↑ 20 % y-o-y) Life insurance first year individual premium of ` 795 cr
Slide 5: Strong growth momentum across businesses in Q1 FY26
Strong growth momentum across businesses in Q1 FY26 Standalone- Life Health Housing Asset Management NBFC segment Insurance Insurance Lending AUM QAAUM Growth Premium Growth ` 1,31,227 crore ` 34,605 crore ` 4,03,479 crore ` 1,80,184 crore Individual FYP Gross Premium2 22 y-o-y 70% y-o-y Domestic QA
Slide 6: Consolidated revenue and PAT
Consolidated revenue and PAT Consolidated Revenue and PAT Business-wise Profitability Revenue1,3 Businesses (` crore) Q1 FY25 Q1 FY26 Y-o-Y 10% y-o-y Lending (excluding HFC) 833 925 11% 11,333 10,274 8,144 HFC 85 154 82% Asset Management 305 372 22% Life Insurance 21 39 80% Q1 FY24 Q1 FY25 Q1 FY26 H
Slide 7: Standalone profit & loss statement
Standalone profit & loss statement Profit & Loss Statement FY25 Q1 FY25 Q4 FY25 Q1 FY26 Y-o-Y Interest income 14,029 3,403 3,611 3,792 Fee and other income 1,004 241 268 249 Total income 15,033 3,644 3,879 4,042 11% Interest expense 7,981 1,895 2,079 2,173 Net Interest income 7,052 1,749 1,800 1,869
Slide 8: Standalone balance sheet and ratios
Standalone balance sheet and ratios ` crore Mar-25 June-25 Loans 1,22,345 1,26,096 Investments 12,829 13,651 Other financial assets 2,870 3,071 Non-financial assets 1,256 1,278 Total assets 1,39,300 1,44,097 Borrowings & debt securities 1,11,136 1,14,066 Other financial liabilities 2,573 3,628 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 1,006 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 What’s New on ABCD App 6.4 Mn 25+ Customers* Product Categories Forex Forex Card, Currency SimplInvest Single SIP to manage all asset classes PPI Gift Card Credit Card Offerings Industry Accolades ‘Best Mobile App Award – India’ at the Asian Banking and Finance Finte
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 ~ ` 3,658 Cr AUM 30% Contribution to unsecured business 37% 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 14
Slide 15: NBFC
ADITYA BIRLA CAPITAL NBFC 01 Aditya Birla Capital Ltd.
Slide 16: Performance Highlights for Q1 FY26
Performance Highlights for Q1 FY26 Retail, SME AUM1 NII3 PBT GS2 & GS34 & HNI loans2 ₹ 84,879 crore ₹ 1,31,227 crore ₹ 1,859 crore ₹ 925 crore 3.70% (65% of AUM) ↑ 22% Y-o-Y ↑ 20% Y-o-Y ↑ 9% Y-o-Y ↑ 11% Y-o-Y ↓ 75 bps Y-o-Y ↑ 4% Q-o-Q ↑ 4% Q-o-Q ↑ 4% Q-o-Q ↑ 5% Q-o-Q ↓ 8 bps Q-o-Q 461 branches as of
Slide 17: Strong Growth in AUM…
Strong Growth in AUM… AUM (₹ crore) Jun’24 Mar’25 Jun’25 Jun’25 Mix Q-o-Q Y-o-Y - Unsecured business 10,546 12,066 12,344 9% 2% 17% - Secured business 47,557 57,992 60,227 46% 4% 27% Total Business loans 58,104 70,058 72,571 55% 4% 25% Personal & Consumer loans 16,130 15,532 16,446 13% 6% 2% Corpora
Slide 18: Portfolio Mix
Portfolio Mix 27% y-o-y Personal & Consumer 2% y-o-y Secured business 4% q-o-q 6% q-o-q 60,227 57,992 16,130 16,446 LAS 15,532 3% 15% 16% Consumer Loan 3% 2% 47,557 TL / WCDL 15% 22% 22% LRD Personal Loan 97% 98% 97% 22% 4% 4% LAP 5% 58% 58% 57% Jun-24 Mar-25 Jun-25 Jun-24 Mar-25 Jun-25 Unsecured bu
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 :: 46 : 54 Direct – 100% 39
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 93% 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% 4% 59% ❖ Usage of Alternate Data in credit decisioning Customer Profile ❖ STP process for faster TAT 36% ❖ Usage of behavior based Predictive Mo
Slide 22: Prudent Risk Management Practices
Prudent Risk Management Practices… Jun’24 Mar’25 Jun’25 Particulars % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 95.55% 1,02,517 96.22% 1,19,426 96.30% 1,23,209 Stage 2 1.91% 2,051 1.54% 1,914 1.43% 1,834 Stage 3 2.54% 2,725 2.24% 2,777 2.27% 2,905 Stage 2 and 3 4.45% 4,775 3.78% 4,692 3.70% 4,739 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% 80%83% 4% 7% 9% 8% 42% 36% 11% 7% 44% 21%25% 52% 14%16% 10%12% 6% 8% 25% 33% 0-1 1-2 2-3 3-6 6 – 1 year 1 - 5 years > 5 years Month Months Months Months Jun’24 Jun’25 Term Loan NCD CP ECB CC/W
Slide 24: P&L and Key Ratios – NBFC Business
P&L and Key Ratios – NBFC Business Profit & Loss Statement (₹ crore) FY25 Q1 FY25 Q4 FY25 Q1 FY26 Gross Revenue^ 14,522 3,499 3,769 3,922 Interest Cost 7,583 1,790 1,983 2,063 Net Interest Income 6,940 1,709 1,786 1,859 Operating Expenses 2,136 508 556 534 Credit Provisioning 1,444 368 352 399 Profi
Slide 25: Housing Finance
ADITYA BIRLA CAPITAL Housing Finance 02 Aditya Birla Capital Ltd.
Slide 26: Performance Highlights for Q1 FY26
Performance Highlights for Q1 FY26 Disbursement AUM NII1 GS3 PBT ₹ 5,404 crore ₹ 34,605 crore ₹ 377 crore 0.62% ₹ 154 crore ↑ 76% Y-o-Y ↑ 70% Y-o-Y ↑ 66% Y-o-Y ↓ 97 bps Y-o-Y ↑ 82% Y-o-Y ↓ 7% Q-o-Q ↑ 11% Q-o-Q ↑ 13% Q-o-Q ↓ 4 bps Q-o-Q ↑ 27% Q-o-Q 1.34% Stage 2 and 3 Loans 15.4% ABG ecosystem 1.59%
Slide 27: Continued growth in disbursements and AUM…
Continued growth in disbursements and AUM… Momentum in disbursement (₹ crore) Growth in AUM (₹ crore) 76% y-o-y 70% y-o-y 20,399 31,053 34,605 5,820 5,404 11.4% 14.2% 14.8% 9.0% 9.7% 9.6% 31.0% 28.8% 28.6% 3,068 18.4% 20.5% 20.6% 30.2% 26.8% 26.4% Q1 FY25 Q4 FY25 Q1 FY26 Prime - HL Prime - LAP Affor
Slide 28: …with focus on portfolio quality
…with focus on portfolio quality Particulars Jun’24 Mar’25 Jun’25 % ₹ Crore % ₹ Crore % ₹ Crore Stage 1 97.36% 19,182 98.61% 28,781 98.66% 31,474 Stage 2 1.04% 204 0.73% 212 0.72% 229 Stage 3 1.60% 315 0.66% 193 0.62% 199 Stage 2 and 3 2.64% 519 1.39% 405 1.34% 428 Total 100.0% 19,702 100.0% 29,186
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 Jun 30, 2025) Jun-24 Jun-25 15% 12% Cumulative Outflows Cumulative Inflows 100% 100% 37% 31% 83% 79% Term Loan NHB NCD 33% 27% 28% Others 15% 17% 19% 22% 7% 8% 11% 12% 45% 12% 0-1 months 1-2 months 2-3
Slide 30: P&L and Key Ratios
P&L and Key Ratios (₹ crore) FY25 Q1 FY25 Q4 FY25 Q1 FY26 Net Interest Income (Incl. fee income)1 1,126 227 335 377 Operating expenses 653 136 190 194 Operating profit 473 91 145 183 Credit provisioning 54 6 24 29 Profit before tax 419 85 121 154 Tax 96 19 27 35 Profit after tax 323 66 94 119 Net Wo
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 Q1 FY26
Performance Highlights for Q1 FY26 Mutual fund Equity Operating Operating QAAUM1 QAAUM1 Revenue PBT PAT ₹ 4,03,479 crore ₹ 1,80,184 crore ₹ 447 crore ₹ 254 crore ₹ 277 crore Market share Market share2 4.19% ↑ 16% Y-o-Y ↑ 21 % Y-o-Y ↑ 18% Y-o-Y 6.24% Mix 44.7% Individual MAAUM SIP3 Contribution Servi
Slide 34: Strong growth in AUM…
Strong growth in AUM… Mutual fund closing assets under management1 Total quarterly average assets under management1 21% y-o-y 16% y-o-y 3,51,890 3,60,232 4,07,206 3,67,607 4,05,641 4,43,263 25,685 8,637 54,904 14,099 879 15,281 46,614 46,091 14,187 63,588 61,085 54,597 1,63,437 1,35,695 1,47,220 1,5
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 10% y-o-y 12% y-o-y in ₹ Crore accounts (mn) % Count of Total SIPs 95% 90% 2,03,813 3.86 72,219 1,85,681 64,208
Slide 36: Strong growth alternate assets
Strong growth alternate assets AUM1 Growth Funds Launched/ Pipeline Q1 FY25 Q1 FY26 Fund Raising underway ABSL India Special Opportunities Fund ABSL Structured Opportunities Fund II ₹ 28,657 Cr ABSL Money Manager Fund PMS/AIF ₹ 28,657 Cr^ ₹ 3,368 Cr ↑ 751% INR 7,861 Cr Product Pipeline (^Include ESI
Slide 37: Building Passive Business
Building Passive Business Passive AUM1 ₹ 36,405 Cr ~12,30,000 Investor Folios Serviced 2x growth since Jun-22 June-2022 June-2025 INR 7,861 Cr Rank 1 ₹ 12,695 Cr ₹ 36,405 Cr ↑ 3x In Debt Index2 52 Extensive product bouquet ETF AUM Index AUM FOF AUM ₹ 1,420 Cr ₹8,571 Cr ₹ 10,161 Cr ₹ 24,062 Cr ₹ 1,11
Slide 38: Pan-India distribution network
Pan-India distribution network Continue to expand distributor base and empaneled 2,200 + new MFDs in Q1 FY26 300+ Locations 89,000+ 90+ 100+ 330+ 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 Q1 FY25 Q4 FY25 Q1 FY26 Revenue from Operations 1,685 387 429 447 Costs 741 177 196 193 Operating Profit 944 210 233 254 Other Income 301 95 72 118 Profit before tax 1,245 305 305 372 Tax 314 69 77 95 Profit after tax 931 236 228 277 Mutual fund AAUM 3,7
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 Q1 FY26
Performance Highlights for Q1 FY26 Individual Group Total FYP AUM Net VNB2 FYP1 Premium ` 795 cr ` 736 cr ` 3,594 cr ` 103,817 cr 7.5% ↑ 23% Y-o-Y ↓ 51% Y-o-Y ↓ 10% Y-o-Y ↑ 14% Y-o-Y ↑ ~109 bps Y-o-Y AUM crossed 1 lakh Crore Renewal Premium ↑ 18% Profit before Tax ↑ 46% 42 1.Single premium @ 10% 2.I
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 23% 8% 5% Y-o-Y Growth -51% 3% 3% 2 Yr CAGR2 21% 16% 12% 2 Yr CAGR2 -17% 5% 14% -17% ` crore +21% ` crore 795 1,498 644 1,062 540
Slide 44: Diversified and scaled up distribution mix…
Diversified and scaled up distribution mix… 4,700+ 440+ 65,000+ 121 28,000+ Cities Own Branches Agents Banca Tie-ups Bank Branches Growth across channels Channel Mix Product Mix by Channel (Q1 FY’26 ` In Cr) Proprietary Partnership Protection Traditional Annuity ULIP 34% 10% 6% 4% 3% 36% 41% 36% 60%
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% 4% ULIP 11.8% 20.2% 6.5% 18% 7.5% 18%+ 7% 6% 59% 59% 78% 697 818 30% 31% 16% 52 66 78 Q1 FY24 Q1 FY25 Q1 FY26 Q1 FY24 FY24 Q1 FY25 FY25 Q1 FY26 FY26 E Long term aim to approach t
Slide 46: Strong digital adoption…
Strong digital adoption… Customer Customer Self Pre-Approved Onboarding 100% Digital Renewal 81% Servicing 93% New Business 35% Customer Experience Customer Retention Customer Centricity Pre-Purchase 100% New business Digital collection at 81% WhatsApp contributed PASA1 contributed 35% 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 81% 77%3 Q1 FY26 Q1 FY25 Q1 FY24 Δ 2Y 17% - 2Yr CAGR 87% 27.6% 1
Slide 48: Robust investment process and performance…
Robust investment process and performance… Asset Under Management (in ` Cr) Composition of AUM 18% - 2Yr CAGR 103,817 4% Debt 90,682 25% Equity 74,500 24% 75% 75% 74% 26% 25% 25% Jun’23 Jun’24 Jun’25 47% Investment Performance1 Crisil Benchmark Performance Equity & others Income Advantage Enhancer M
Slide 49: P&L and Key Ratios - Life Insurance
P&L and Key Ratios - Life Insurance (` crore) FY25 Q1 FY25 Q4 FY25 Q1 FY26 Individual First year Premium1 4,633 807 1,619 880 Group First year Premium 5,587 1,498 1,551 736 Renewal Premium 10,419 1,681 3,864 1,978 Total Gross Premium 20,639 3,986 7,034 3,594 Operating expenses (Incl. Commission) 4,2
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 Q1 FY26
Performance Highlights for Q1 FY26 GWP Market Share PBT1 Combined Ratio “without 1/n” ` 1,461 Cr (40% YoY) 14.2% SAHI ` (24) Cr 107% “with 1/n” ` 1,357 Cr (30% YoY) 14.5% SAHI ` (36) Cr 111% “without 1/n” 35% YoY LY 12.5% LY ` (51) Cr LY 112% LY We are consistently growing Fast 1 2 Distribution foot
Slide 53: Accelerated Growth amid Industry Headwinds
Accelerated Growth amid Industry Headwinds 3 No.1 in Market Accretion in Q1 2 1 We are consistently growing Fast 2 Our Market share increased FY26 Q1 FY26 * 40%1 39% Q1 FY26 ** Incremental SAHI GWP Q1 FY26 (` cr) 30% 28% 28% Q1 Q1 19% 38% Q1 FY26 FY26 Player 13% 12% FY25 (w/o (with 1/n) 1/n) 6% 4% A
Slide 54: Scaled-up, Diversified and Digitally enabled Retail Distribution
Scaled-up, Diversified and Digitally enabled Retail Distribution 5000+ 225+ 151K+ 20 6,000+ 12.9K+ 7.5K+ Cities Branches Agents Bank Sales Force Network OPD Partners Hospitals Network Retail Channel Mix1 Retail Product Mix Geographical Mix (Tier wise) Proprietary 27% 24% Tier-I 28% 27% 29% Indemnity
Slide 55: Delivered Robust growth in Core business
Retail Distribution Mix and Growth Highly Diversified Distribution Mix +39% 768 YoY Proprietary Retail GWP 1 (` Crores) Focus on Increased scale | Productivity improvements 188 Proprietary3 26% Delivered 551 Channels Banca Robust 149 223 Entered into New Tie – up with growth in Banks 28% Bank of Ind
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 Jun’25 4.1L+ Jun’25 1.4L+ Jun’25 9.1% Mar’25 3.8L+ Mar’25 1.3L+ Mar’25 8.9% Dec’24 3.5L+ Dec’24 1.1L+ Dec’24 8.4% Digital Deliv
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% 105% 110% 90% 87% 104% Loss Ratio 102% 102% 1.4+ Lakh
Slide 58: 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 59: 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 68 Mins Inhouse built native App Engagement time/user/month Digital Health 90 Bn Steps in Q1 4.7 Star Play-
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% 30% 37% Revenue ▪ App Engagement-led renewal propensity Digital Higher Renewal DIY ▪ Customer initiated renewals Renewals Propensity* Renewals Engagement ▪ ▪ Leveraging Inhouse
Slide 61: Leveraging Data Science across Customer Lifecycle
Leveraging Data Science across Customer Lifecycle Uplift in lead Enhanced Fraud Human Calling 2.0x 80 Cr+ ~35% Health Returns1 9.1% based cross-sell Detection Savings Reduction Revenue Boost Risk Management Customer Engagement Health Management & Retention Applications ML-driven Superior Cross- AI/M
Slide 62: Tech led Transformation across Journeys
Tech led Transformation across Journeys Concept Tech enabled Hyper Personalization AI / ML Driven Claims distribution Engagement Management ▪ Robust tech enabled Sales Governance ▪ Engagement with customers in channel ▪ Accurate and faster claims process ▪ AI based role play with vernacular of their
Slide 63: Business Outcomes
Business Outcomes Revenue (` Cr.) w/o Lives covered (Mn) Retail Multi year Retail and Group Rural Group (incl. Rural) +33% 1461 Byte 1357 23 23 1041 768 6 17 772 664 13 551 10 8 364 692 692 5 6 408 490 7 4 4 Q1 FY24 Q1 FY25 Q1 FY26 Q1 FY26 Q1 FY24 Q1 FY25 Q1 FY26 w/o Combined Ratio (%) Profit Before
Slide 64: P&L - Aditya Birla Health Insurance
P&L - Aditya Birla Health Insurance (` crore) FY25 Q1 FY25 Q4 FY25 Q1 FY26 Retail premium 2,759 551 896 768 Group Premium 2,494 490 851 692 Gross written premium (without 1/n) 5,252 1,041 1,747 1,461 Gross written premium (with 1/n) 4,940 1,041 1,603 1,357 Revenue 4,622 981 1,461 1,283 Operating exp
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) FY25 Q1 FY25 Q4 FY25 Q1 FY26 Revenue 40,360 8,673 12,214 9,503 Profit Before Tax (before share of profit/(loss) of JVs 4,196 947 1,167 1,071 Add: Share of Profit/(loss) of associate and JVs 417 81 194 107 Profit before tax 4,613 1,029 1,361 1,178 Les
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