Aditya Birla Capital Limited, the holding company for the financial services businesses of the Aditya Birla Group, is a universal financial solutions group catering to the diverse financial needs of its customers across their life stages. Aditya Birla Capital Limited ("ABCL") is a listed systemically important non-deposit taking NonBanking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles.
As part of the US$66 billion global conglomerate Aditya Birla Group, which is in the league of Fortune 500, ABCL represents the financial services flagship of this diversified business empire. The company operates through a comprehensive ecosystem that spans multiple financial sectors, positioning itself as a one-stop destination for customers across various life stages and financial requirements.
The Company now has two business segments, the NBFC lending business and the investment business through which it will continue to hold investments in all its subsidiaries, JVs and associate businesses. The organization maintains a robust operational infrastructure with over 60,000 employees, the businesses of ABCL have a nationwide reach with over 1,623 branches and more than 200,000 agents/channel partners along with several bank partners.
The life insurance segment represents a significant portion of the business, with The company's subsidiary, Aditya Birla Sun Life Insurance Ltd, is one of the leading private life insurers, offering protection solutions, children's future solutions, wealth with protection solutions, retirement solutions, etc, through 11 Banca Tie-ups, 360+ own branches, 26,300+ bank branches, and 60,000 agents across 4,700+ cities.
The consolidated revenue1 grew by 13% year-on-year to 14,138 crore in Q4 FY25 and 20% year-on-year to 47,369 crore in FY25. The consolidated operating profit grew by 25% year-on-year to 1,672 crore in Q4 FY25 and 19% year-on-year to 5,475 crore in FY25. The consolidated profit after tax grew by 6% year-on-year to 865 crore in Q4 FY25 and 8% year-on-year to 3,142 crore in FY25.
- **Market Capitalization**: 71,795 Crore (up 16.5% in 1 year)
- **Overall Lending Portfolio**: 1,57,404 crore as on March 31, 2025
- **Total Assets Under Management (AUM)**: 5,11,260 crore as on March 31, 2025
- **Total Premium Income**: 25,579 crore in FY25
- **Disbursements**: 19,523 crore in Q4 FY25
The life insurance business has shown remarkable growth with Individual First Year Premium (FYP) grew by 34% year-on-year to 4,115 crore in FY25 · Group New Business Premium grew by 23% year-on-year to 5,586 crore in FY25 · Market share in individual FYP increased by 68 basis points year-on-year to 4.84% in FY25. The embedded value of the life insurance business has grown significantly, with Embedded value grew by 20% year-on-year to 13,812 crore as of March 31, 2025.
The health insurance segment has also demonstrated strong momentum, with Gross written premium (GWP) grew by 33% year-on-year to 4,940 crore and Market share among standalone health insurers (SAHI) increased by 137 basis points year-on-year to 12.6%.
A significant development in FY25 was the completion of the amalgamation process. The Board of Directors of the Company and Aditya Birla Finance had approved the Scheme of Amalgamation of Aditya Birla Finance Limited, the Company's wholly owned subsidiary with itself. The amalgamation has been successfully completed following all requisite approvals. The appointed date of amalgamation is April 1, 2024 and effective date is April 1, 2025.
The company has been active in raising capital for growth initiatives. Aditya Birla Capital raised INR 1301.25 Cr via 3-year NCDs from AIIB for sustainable infrastructure financing. Aditya Birla Capital issues INR 1301 Cr secured NCDs to AIIB, maturity June 2028, coupon 7.533%.
The Company also continues to expand its physical footprint with a pan-India presence of 1,623 branches across all businesses as of March 31, 2025. The branch expansion is targeted at driving penetration into tier 3 and tier 4 towns and new customer segments.
The company operates across multiple financial services verticals, providing natural diversification and multiple growth avenues. ABCL and its subsidiaries/JVs manage aggregate assets under management of over Rs. 5.11 Lakh Crore with a consolidated lending book of over Rs 1.57 Lakh Crore as of March 31, 2025.
As part of the Aditya Birla Group, ABCL benefits from strong brand recognition, established customer relationships, and cross-selling opportunities across the conglomerate's various business lines.
The company holds strong market positions across its various business segments, particularly in life insurance where it ranks among the leading private insurers in India.
Aditya Birla Capital Limited represents a comprehensive financial services platform with strong growth prospects across multiple business segments. The company's strategic focus on expanding its presence in tier 3 and tier 4 markets, combined with its diversified business model and strong parentage, positions it well for continued growth in India's evolving financial services landscape.
