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Aditya Birla Capital (ABCAPITAL) investor relations material
Aditya Birla Capital Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Consolidated revenue for Q2 FY26 reached ₹12,481 crore, up 4% year-over-year, with profit after tax at ₹855 crore, a 3% increase year-over-year (excluding one-off items in Q2 FY25).
Lending portfolio grew 29% year-over-year to ₹1,77,855 crore, with strong portfolio quality maintained.
Life insurance first year individual premium increased 19% year-over-year in H1 FY26; health insurance gross written premium rose 31% year-over-year in H1 FY26.
Strong growth across NBFC, housing finance, asset management, and insurance businesses, with market share gains and robust asset quality.
Strategic focus on digital, data, and omnichannel distribution, with continued investments in technology and branch expansion.
Financial highlights
NBFC disbursements hit a record ₹21,990 crore, up 39% sequentially and 14% year-over-year; NBFC AUM grew 22% year-over-year to ₹1,39,585 crore.
Housing finance disbursements up 44% year-over-year to ₹5,786 crore; AUM grew 65% year-over-year to ₹38,270 crore.
Asset management AUM rose 11% year-over-year to over ₹4,25,171 crore; operating profit up 13% year-over-year.
Life insurance individual first-year premium up 19% year-over-year; market share increased by 50 bps to 4.9%.
Health insurance gross retail premium up 31% year-over-year; combined ratio at 112 for H1 FY26; market share among SAHI players at 13.6%.
Outlook and guidance
Expect continued strong growth in H2 FY26, supported by structural reforms, stable inflation, and robust demand.
NBFC credit cost guidance maintained at 1.2%-1.3%; margin and ROA expected to improve as product mix shifts toward higher-yielding segments.
HFC ROA guided to reach 2%-2.2% over the next six to eight quarters, despite some yield compression.
Life insurance net VNB margin expected to exceed 18% for FY26.
Digital and B2B platforms are expected to drive further customer acquisition and AUM growth.
Details of stressed loans transferred to ARCs
Udyog Plus AUM and registration growth
What is ABCL's current NBFC-ICC status?
How will NBFC ROA reach 2.5% by Q4?
GST impact on insurance VNB/Combined Ratio targets?
Rationale for ARC sale of guaranteed loans
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Next Aditya Birla Capital earnings date
Q3 202614 Feb, 2026
Next Aditya Birla Capital earnings date
Q3 202614 Feb, 2026
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Frequently asked questions
Aditya Birla Capital Limited is a diversified financial services company that operates across multiple segments, including lending, asset management, life and health insurance, and wealth management. The company provides personal and business loans, investment products, insurance solutions, and financial advisory services through its subsidiaries. It serves a wide range of customers, including individuals, small businesses, and corporations. Aditya Birla Capital Limited also offers digital financial services and operates a multi-channel distribution network across India. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.
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