Aditya Birla Capital Limited — PPTs, 03-02-2025: Investor Presentation

**Financial Highlights:** Aditya Birla Capital has showed strong growth across its portfolio, with total lending reaching ₹1,46,151 crore, up 27% year-over-year (y-o-y) and 6% quarter-over-quarter (q-o-q). The consolidated revenues for the quarter came in at ₹10,949 crore, reflecting a 10% y-o-y increase. Consolidated profit after tax (PAT) stood at ₹708 crore, slightly lower than ₹736 crore reported in Q3 FY24.

**Strategic Initiatives and Growth Drivers:** The company continues to leverage its diversified financial services platform through initiatives like the Udyog Plus B2B ecosystem, enhancing access to business financing and insurance across sectors, focusing on the MSME segment.

**Business Developments:** The asset management arm reported total assets under management (AUM) of ₹5,03,377 crore, marking an increase of 23% y-o-y. The life insurance segment generated gross premiums of ₹16,942 crore, reflecting a strong growth trend, up 25% y-o-y.

**Market Position and Competitive Advantage:** With a robust digital framework and 2 lakh+ channel partners, Aditya Birla Capital's omnichannel strategy positions it well for future growth. Additionally, a significant share of the loan book remains secured, enhancing credit quality.

**Investor Implications:** The diversified product portfolio and consistent growth metrics reflect a positive outlook. Investors should watch closely for further developments in the digital and MSME segments, which promise potential growth and expanded market presence.