Aditya Birla Capital
Aditya Birla Capital is India's listed financial services arm of the Aditya Birla Group, offering loans, insurance, investments, and payments through 1,740 branches, 200,000+ agents, and the ABCD digital platform to 39 million retail, SME, and corporate customers.
- Company typePublic
- Founded2007
- HeadquartersMumbai, India
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Aditya Birla Capital does
Aditya Birla Capital Limited (NSE: ABCAPITAL) is the listed, systemically important non-banking financial company and financial-services holding arm of the Aditya Birla Group, headquartered in Mumbai and majority-owned by Grasim Industries (approximately 52.3%). The company operates a diversified financial services platform spanning lending, insurance, asset management, broking, and payments, serving approximately 39 million active retail, SME, and corporate customers through 1,740 branches, more than 200,000 agents and channel partners, bank partnerships, and the ABCD digital app.
The product portfolio includes home, personal, SME/business, gold, property-backed, securities-backed, and corporate loans; life, health, motor, pocket, and travel insurance through Aditya Birla Sun Life Insurance and Aditya Birla Health Insurance; mutual funds (average AUM Rs 4.74 lakh crore), pension fund management, broking via Aditya Birla Money, fixed deposits, digital gold and silver, and NPS; plus UPI and bill payments. Underlying technology is consolidated around the ABCD platform with third-party integrations including Blue Machines voice AI agents deployed across seven business verticals and SLiQ for digital loans-against-mutual-funds. Subsidiaries include Aditya Birla Housing Finance (housing), Aditya Birla Sun Life Insurance (life insurance), Aditya Birla Health Insurance, Aditya Birla Sun Life Mutual Fund, Aditya Birla Money (broking), Aditya Birla Capital Digital (ABCDL), Aditya Birla Wellness, and Aditya Birla Finance (currently announced to merge into the parent).
The company earns revenue from interest income on its lending book, distribution commissions on insurance products, asset management and pension fees, broking transaction fees, housing-finance interest, and digital payment transaction fees. FY26 reported consolidated revenue of Rs 45,508.98 crore (12% YoY) and net profit of Rs 3,764 crore (13% YoY), with Q4 FY26 PAT up 31% YoY at Rs 1,129 crore. Capital structure has been actively reinforced through a Rs 3,000 crore QIP in July 2023, a Rs 1,301.25 crore AIIB NCD in June 2025, Rs 3,400 crore in bonds in September 2025, and a Rs 4,000 crore preferential equity issuance in June 2026 with Grasim Industries, Suryaja Investments, and the International Finance Corporation.
Aditya Birla Capital firmographics
Firmographics- Name
- Aditya Birla Capital
- Legal name
- Aditya Birla Capital Limited
- Website
- https://adityabirlacapital.com
- Company type
- Public
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Aditya Birla Capital is India's listed financial services arm of the Aditya Birla Group, offering loans, insurance, investments, and payments through 1,740 branches, 200,000+ agents, and the ABCD digital platform to 39 million retail, SME, and corporate customers.
- Ownership category
- akta.pro rank
Aditya Birla Capital industry classification
Industry- Product category
- Diversified Financial Services
- NAICS
- Finance and Insurance (52), Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162), Life Insurance (6311)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA), Corporate Finance & Capital Advisory (BPAHADAB)
Keywords
Where Aditya Birla Capital is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Aditya Birla Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Lending/Interest Income: Interest income from diversified loan portfolio including home loans, personal loans, SME/business loans, gold loans, loans against property, loans against securities, and corporate finance. The lending book exceeded Rs 2 lakh crore with 30% CAGR growth.
- Insurance Distribution: Commission income from distributing life insurance, health insurance, motor insurance, and pocket insurance products through Aditya Birla Sun Life Insurance and Aditya Birla Health Insurance subsidiaries.
- Asset Management: Fees and management charges from mutual fund operations (Aditya Birla Sun Life Mutual Fund) with Rs 4.74 lakh crore in average AUM, and pension fund management.
- Broking and Securities: Revenue from stock broking services through Aditya Birla Money, including equity trading, margin trading facility, and related services.
- Payments: Transaction fees and charges from UPI payments, bill payments, and other digital payment services through the ABCD platform.
- Housing Finance: Interest income from housing loans and related mortgage products through Aditya Birla Housing Finance, which raised Rs 2,750 crore from Advent International.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Home loans starting from 7.75% p.a. |
| Subscription | Monthly | Personal loans starting from 10.99% p.a. |
| Subscription | Monthly | Gold loans starting at 0.79% per month |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Aditya Birla Capital product offering
Product offeringCore offering
Aditya Birla Capital is a diversified financial services holding company providing lending products (home, personal, SME/business, gold, property-backed, securities-backed, and corporate loans), insurance distribution (life, health, motor, pocket, and travel), investment products (mutual funds, stock broking, fixed deposits, digital gold/silver, NPS), and digital payment services. It serves 39 million active customers across India through 1,740 branches, 200,000+ agents, bank partnerships, and the unified ABCD digital platform.
Product overview
Aditya Birla Capital is a diversified financial services conglomerate operating as a platform-plus-multiple-products architecture. The company provides a comprehensive suite of financial solutions across four main verticals: Loans (including home loans, personal loans, SME/business loans, gold loans, loans against property, loans against securities, and corporate finance), Insurance (life insurance, health insurance, motor insurance, pocket insurance, and travel insurance through subsidiary brands), Investments (mutual funds via Aditya Birla Sun Life, stocks and securities trading, fixed deposits, digital gold/silver, and NPS), and Payments (UPI payments, bill payments, credit cards, and pay-on-call services). The core ABCD (Aditya Birla Capital Digital) platform serves as the unified digital gateway, while subsidiaries including Aditya Birla Sun Life Insurance, Aditya Birla Health Insurance, Aditya Birla Housing Finance, and Aditya Birla Money operate as distinct sub-brands with their own product lines.
Differentiator
Problem solved
Functional benefit
Brands
- ABCD (Aditya Birla Capital Digital): Digital lending platform and app providing financial services including loans, investments, insurance, and payments through a mobile application
Products and services
- ABCD (Aditya Birla Capital Digital) The company's unified digital platform offering a comprehensive suite of financial services including loans, investments, insurance, and payments. The ABCD app provides financial tools, investment insights, and expert guidance in one convenient mobile application for individual customers and SMEs.
- Home Loans Housing finance solutions including home loans, balance transfer, top-up home loans, home extension loans, home renovation loans, home construction loans, and plot-and-construction loans, with interest rates starting from 7.75% p.a. for individual retail customers.
- Personal Loans Collateral-free personal loans including instant personal loans, long-term personal loans, flexi loans, debt consolidation loans, education loans, emergency loans, marriage loans, and loans for self-employed individuals, with interest rates starting from 10.99% p.a.
- SME & Business Loans Business financing solutions including secured business loans, unsecured business loans, line of credit, working capital loans, supply chain financing, invoice discounting, machinery loans, and rooftop solar loans, targeted at SMEs and MSMEs.
- Gold Loans Quick gold loans with competitive interest rates starting at 0.79% p.m. and minimal documentation, allowing customers to unlock value from their gold holdings.
- Loans Against Property Property-backed loans including commercial property purchase, construction finance, lease rental discounting, and loan against residential or commercial properties.
- Loans Against Securities Loans against financial assets including loan against shares, loan against mutual funds, loan against life insurance policies, IPO financing, and promoter funding.
- Corporate Finance Corporate lending solutions including project finance, structured finance, working capital demand loans, and term loans for business growth, targeted at large corporations and enterprises.
- Aditya Birla Sun Life Life Insurance Life insurance products including term insurance, ULIP plans, retirement and pension plans, and savings plans, distributed through the Aditya Birla Sun Life Insurance joint venture subsidiary.
- Aditya Birla Health Insurance Health insurance solutions including health and wellness plans, super top-up plans, Activ One Max, and the Activ Yuva behaviour-linked health insurance plan, distributed through Aditya Birla Health Insurance wholly-owned subsidiary.
- Motor Insurance Vehicle insurance solutions including bike insurance and car insurance for comprehensive protection against third-party liabilities and damage.
- Pocket Insurance Micro-insurance products covering eye insurance, dental insurance, hospicash insurance, mental health and nutrition insurance, personal accident insurance, and tele OPD consultations.
- Travel Insurance Travel insurance coverage for trips providing protection against travel-related risks and emergencies.
- Aditya Birla Sun Life Mutual Fund Mutual fund investment products including debt funds, equity funds, hybrid funds, ETF funds, fund of funds, index funds, retirement funds, and children's funds, managed by the Aditya Birla Sun Life Mutual Fund joint venture.
- Stocks & Securities Equity trading, margin trading facility (MTF), sovereign gold bonds, and demat account services for stock market investments, offered through Aditya Birla Money.
- Fixed Deposits & Digital Gold/Silver Savings instruments including fixed deposits, digital gold (999.9+ purity), and digital silver for investment diversification.
- Tax Planning & NPS Tax-saving solutions and National Pension System for retirement planning and tax benefit optimization.
- Credit Cards Co-branded credit cards including Aditya Birla SBI Card offering wide range of curated credit card options.
- Payments (UPI/BillPay) Digital payment solutions including bill payments, UPI payment app, money transfers, pay on call, and payment lounge services.
- Aditya Birla Housing Finance Housing finance subsidiary offering home loans and related mortgage products, operated as a separate housing finance company.
- Aditya Birla Money Stockbroking and securities trading platform offering equity trading, margin trading facility, and investment services.
- Activ Yuva Health Insurance Plan A health-focused insurance plan that rewards policyholders for maintaining healthy habits, extending the existing HealthReturns programme and allowing consistent performers to earn back up to 100% of their annual premium through behaviour-linked rewards. Targeted at young and health-conscious individuals across more than 5,000 cities.
Quantifiable outcome
- Lending portfolio grew at 30% CAGR between FY23-FY26, exceeding Rs 2 lakh crore
- +4 more outcomes
Companies that use Aditya Birla Capital
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Aditya Birla Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability4 records
Feature3 records
Aditya Birla Capital partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered operational and core.
- SLiQoperationalSLiQ enabled Aditya Birla Capital to provide fully digital loans against mutual fund portfolios in India. The solution allows investors to access liquidity against their mutual fund holdings without redeeming investments, through a transparent and completely digital process.
- Blue Machines AIoperationalBlue Machines deployed voice AI agents across Aditya Birla Capital's multiple business units within six weeks, supporting customer engagement, sales, and service workflows. The deployment enhances outreach scalability by 4-5x and improves connect and conversion rates compared to traditional contact centers.
- Aditya Birla Finance LtdcoreAditya Birla Capital announced plans to merge with its wholly-owned subsidiary Aditya Birla Finance Ltd to form a larger NBFC entity. The merger aims to enhance operational efficiency, improve capital utilization, and create a stronger financial entity with increased flexibility.
- Aditya Birla Finance LtdcoreAditya Birla Finance announced plans to raise up to Rs 2,000 crore through its first public issue of non-convertible debentures (NCDs), with a subsidiary planning to issue Rs 1,000 crore for onward lending, financing, and repaying existing borrowings.
Scale indicators15 records
Recent moves7 records
Expansion highlights5 records
Aditya Birla Capital competitors and assessment
Company assessmentDirect peers
- Bajaj Finance: India's largest non-bank financial services company, offering consumer durable finance, two-wheeler and three-wheeler loans, SME lending, mortgages, and wealth management. Most directly comparable to ABCL given its diversified NBFC platform spanning retail and SME credit.
- Cholamandalam Investment and Finance: Chennai-headquartered NBFC focused on vehicle finance, home loans, SME lending, and loans against property. Comparable to ABCL's diversified NBFC structure with similar mix of secured retail and business lending.
- Shriram Finance: One of India's largest NBFCs with exposure to commercial vehicle finance, two-wheeler loans, gold loans, and financial services distribution. Shares ABCL's diversified credit model and large customer base across semi-urban and rural India.
- Muthoot Finance: India's largest gold loan-focused NBFC with a nationwide branch network and growing diversification into microfinance, housing finance, and asset management. Comparable on NBFC structure and gold loan overlap with ABCL.
- Mahindra & Mahindra Financial Services: Conglomerate-backed NBFC (Mahindra Group) providing vehicle finance, SME loans, housing finance, and rural lending. Closely mirrors ABCL's structure as a diversified financial services arm of a major Indian industrial group.
- LIC Housing Finance: Large Indian housing finance company with deep distribution and home loan origination capabilities. Directly comparable to ABCL's Aditya Birla Housing Finance subsidiary in product mix and target customer segments.
Broad incumbents
- HDFC Bank: India's largest private sector bank offering retail and wholesale banking, credit cards, asset management, and life insurance through subsidiaries. Competes with ABCL across lending, investments, and payments but as a deposit-taking universal bank.
- ICICI Bank: Major Indian private sector bank with retail, SME, and corporate banking plus life insurance and asset management subsidiaries. Overlaps with ABCL across products but operates with structural cost-of-funds advantage as a bank.
- Kotak Mahindra Bank: Indian private sector bank with NBFC operations in securities, asset management, and insurance. Provides banking-led competition to ABCL's diversified financial services platform.
- SBI: India's largest commercial bank with nationwide branch dominance and full financial services offering. Sets the competitive baseline for distribution reach and pricing power against ABCL in retail and SME credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Aditya Birla Capital social profiles
Digital presenceAditya Birla Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aditya Birla Capital leadership team
Management profileNumber of profiles
Profiles2 records
Aditya Birla Capital subsidiaries and ownership
Company hierarchySubsidiaries10 records
Aditya Birla Capital funding detail
Funding detailFunding overview
Funding rounds6 records
Investors22 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aditya Birla Capital M&A and investment
M&A and investmentM&A1 record
Investments8 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aditya Birla Capital
What does Aditya Birla Capital do?
Aditya Birla Capital is a diversified financial services holding company providing lending products (home, personal, SME/business, gold, property-backed, securities-backed, and corporate loans), insurance distribution (life, health, motor, pocket, and travel), investment products (mutual funds, stock broking, fixed deposits, digital gold/silver, NPS), and digital payment services. It serves 39 million active customers across India through 1,740 branches, 200,000+ agents, bank partnerships, and the unified ABCD digital platform.
Is Aditya Birla Capital a public or private company?
Aditya Birla Capital is a public company. It is classified as public and is currently operating.
When was Aditya Birla Capital founded?
Aditya Birla Capital was founded in 2007. It employs 5,001 to 10,000 people.
Where is Aditya Birla Capital based?
Aditya Birla Capital is headquartered in Mumbai, India, in the Asia region.
How does Aditya Birla Capital make money?
Six revenue lines are on record. Lending/Interest Income is the primary driver. The others are insurance Distribution, asset Management, broking and Securities, payments and housing Finance.
Who are Aditya Birla Capital's main competitors?
Direct peers on record are Bajaj Finance, Cholamandalam Investment and Finance, Shriram Finance, Muthoot Finance, Mahindra & Mahindra Financial Services and LIC Housing Finance. Broad incumbents are HDFC Bank, ICICI Bank, Kotak Mahindra Bank and SBI.
Does Aditya Birla Capital have an API?
No public API is recorded for Aditya Birla Capital.
What industry is Aditya Birla Capital in?
Aditya Birla Capital's product category is Diversified Financial Services. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSAAAAAA, Full-Service Retail Brokerage & Wealth Platforms. Its NAICS code is 52 and its SIC code is 6159.