Aditya Birla Capital (ABCAPITAL) Q2 26/27 earnings summary

Executive summary

• Q2 FY27 consolidated segment revenue was ₹16,545 crore, up 31% YoY; PAT attributable to owners was ₹1,288 crore, up 38%.

• Lending AUM reached ₹2,33,930 crore, up 32% YoY; total AUM across asset management and insurance was ₹12,33,906 crore.

• Digital and AI initiatives supported acquisition, underwriting, servicing and distribution, with reported productivity and turnaround-time gains.

Financial highlights

• Q2 consolidated statutory revenue from operations was ₹14,003.21 crore; profit attributable to owners was ₹1,287.68 crore versus ₹933.52 crore in Q2 FY26.

• H1 FY27 statutory revenue from operations was ₹26,182.75 crore and profit attributable to owners was ₹2,462.38 crore, versus ₹20,097.65 crore and ₹1,772.15 crore in H1 FY26.

• Consolidated segment revenue was ₹16,545 crore, up 31% YoY; this presentation excludes businesses accounted for under equity accounting.

• Standalone Q2 FY27 PAT was ₹1,237 crore, up 35% YoY; PBT was ₹1,660 crore, up 35%.

Outlook and guidance

• NBFC management reiterated its goal of sustaining ROA near 2.5%; margin benefits are expected over coming quarters as portfolio mix develops.

• HFC aims to exceed ₹1 lakh crore AUM and move toward 15% ROE over 8–10 quarters, while maintaining top-decile asset quality.

• Life insurance targets individual FYP growth of 20%+ CAGR over three years and VNB margins above 20%.

• Asset management priorities include scaling retail, passive and alternative assets, digital delivery and multichannel distribution.

• Health insurance plans to expand proprietary distribution, scale its health-first model and deepen AI use.