Aditya Birla Capital

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.

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

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

• Diversified financial services
• Lending and insurance
• Asset management services
• Investment products
• Wealth management

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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.
4. Broking and Securities: Revenue from stock broking services through Aditya Birla Money, including equity trading, margin trading facility, and related services.
5. Payments: Transaction fees and charges from UPI payments, bill payments, and other digital payment services through the ABCD platform.
6. 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

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core 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

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered operational and core.

• SLiQoperationalTechnology or Integration · 1 June 2026SLiQ 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 AIoperationalTechnology or Integration · 5 May 2026Blue 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 LtdcoreOthers · 11 March 2024Aditya 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 LtdcoreOthers · 25 September 2023Aditya 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

Direct 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

• Xx.com/abcapital
• YouTubeyoutube.com/@AdityaBirlaCapital
• Facebookfacebook.com/adityabirlacapital
• LinkedInlinkedin.com/company/aditya-birla-capital
• Instagraminstagram.com/adityabirlacapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries10 records

Funding overview

Funding rounds6 records

Investors22 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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