Aditya Birla Capital Limited (NSE: ABCAPITAL, BSE: 540691) Reports Q3 FY25 Financial Results

Mumbai, February 3, 2025
Aditya Birla Capital Limited (ABCL) announced its unaudited financial results for the quarter and nine months ended December 31, 2024. The company reported stable revenue growth, a strong lending portfolio expansion, and digital innovation advancements.

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Key Financial Highlights (Q3 FY25)​

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Segment-Wise Performance​

NBFC Business​

• AUM Growth: 21% YoY and 4% QoQ to ₹1.19 lakh crore.
• Profit Before Tax: ₹805 Cr, a 5% YoY growth.
• Return on Assets (RoA): 2.10%.
• Return on Equity (RoE): 13.87%.
• Gross Stage 2 & 3 Ratio: Improved by 60 basis points to 4.25%.

Housing Finance Business​

• Disbursements: ₹4,750 Cr, a 136% YoY and 18% QoQ increase.
• AUM Growth: 62% YoY to ₹26,714 Cr.
• Profit Before Tax: ₹110 Cr, a 10% YoY increase.
• RoA: 1.42%.
• RoE: 10.66%.
• Gross Stage 2 & 3 Ratio: Improved by 177 basis points YoY to 1.77%.

Asset Management​

• Mutual Fund QAAUM: ₹3,83,911 Cr, a 23% YoY increase.
• Equity QAAUM: Grew 32% YoY to ₹1,79,481 Cr.
• SIP Flows: ₹1,382 Cr in December 2024, a 38% YoY growth.
• Operating Profit: ₹261 Cr, an increase of 42% YoY.

Life Insurance​

• Individual First Year Premium (FYP): ₹2,595 Cr, a 31% YoY growth.
• Group New Business Premium: ₹4,036 Cr, up 32% YoY.
• Renewal Premium: ₹6,555 Cr, up 13% YoY.
• 13th Month Persistency: 87% as of December 2024.
• 61st Month Persistency: Improved to 67% from 62% in December 2023.
• Net Value of New Business (VNB) Margin: 10.8%.

Health Insurance​

• Gross Written Premium (GWP): ₹3,337 Cr, up 39% YoY.
• Market Share (SAHI Segment): 12%, a 138 basis points increase YoY.
• Combined Ratio: Improved to 114% from 121% in 9M FY24.

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Strategic & Digital Growth Initiatives​

• Omnichannel Expansion: ABCL continues its digital transformation through its ABCD D2C platform, offering services in loans, insurance, and investments, acquiring 4.1 million customers to date.
• MSME B2B Platform – Udyog Plus: Digital lending ecosystem surpasses ₹3,300 Cr in total portfolio with 2.2 million+ registrations.
• B2D Platform – Stellar: Launched in January 2025, Stellar provides a consolidated dashboard for channel partners to enhance business operations.

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Corporate Announcements​

• Divestment of Aditya Birla Insurance Brokers Limited (ABIBL): Sold 50.002% stake to Samara Capital Group in August 2024, recognizing a ₹202.90 Cr gain.
• Share Sale in Aditya Birla Sun Life AMC (ABSLAMC): Sold 1.39 Cr equity shares for a ₹486.43 Cr gain.
• Employee Stock Options (ESOPs): Issued 14.04 lakh & 64.84 lakh shares from stock option schemes.

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Management Commentary​

Arun Kumar Adhikari, Director at Aditya Birla Capital Limited, commented:

“Our focus on digital transformation, strong balance sheet growth, and customer-centric approach continue to drive sustainable financial performance. We remain committed to scaling our business across financial services segments while ensuring profitability and operational efficiencies.”

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Outlook​

Aditya Birla Capital remains poised for sustained growth, leveraging:

• Expanding Digital Platforms (ABCD, Udyog Plus, Stellar).
• Accelerated Lending Growth (NBFC, HFC AUM Expansion).
• Strong Investment & Insurance Portfolio (Rising AUM, Persistency Ratios).
• Pan-India Penetration (1,482 branches across India).

The company continues to reinforce its market positioning as a leading diversified financial services player under the Aditya Birla Group.

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Stock Performance & Investor Expectations​

With consistent growth in core businesses, increasing digital adoption, and strong financial resilience, analysts expect Aditya Birla Capital to remain a long-term value creator in India's financial ecosystem.