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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 asset quality and robust growth across NBFC, housing finance, asset management, and insurance segments.
Strategic focus on digital, data, and omnichannel distribution, with continued investments in technology and branch expansion, including the launch of digital platforms ABCD and Udyog Plus.
Life insurance individual first-year premium increased 19% year-over-year; health insurance gross written premium rose 31% year-over-year in H1 FY26.
Asset management average AUM grew 11% year-over-year to over ₹4,25,171 crore.
Financial highlights
NBFC disbursements hit a record ₹21,990 crore, up 39% sequentially; 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 up 65% year-over-year to ₹38,270 crore.
Asset management QAAUM at ₹4,25,171 crore, up 11% year-over-year; operating profit up 13% year-over-year.
Life insurance individual FYP at ₹1,880 crore, up 19% year-over-year; net VNB margin up 420 bps year-over-year to 11.6%.
Health insurance gross written premium at ₹2,839 crore, up 31% year-over-year; market share increased to 13.6%.
Outlook and guidance
Expect credit cost to remain in the 1.2%-1.3% range for FY26.
HFC business targets ROA of 2%-2.2% over the next six to eight quarters.
Life insurance business aims for net VNB margin above 18% in FY26 and 20%-25% CAGR in individual FYP over the next three years.
NBFC segment expects margin and ROA improvement in coming quarters as product mix shifts toward higher-yielding segments.
Branch network expanded by 22 new branches, now totaling 1,712, targeting deeper penetration into tier 3 and 4 towns.
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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