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Aditya Birla Capital
Aditya Birla Capital (ABCAPITAL) investor relations material
Aditya Birla Capital Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary3 Feb, 2026
Executive summary
Consolidated revenue for Q3 FY26 rose 30% year-over-year to ₹14,181 crore, with profit after tax up 41% to ₹983 crore, excluding exceptional items.
Lending portfolio grew 30% year-over-year to ₹1,90,386 crore; total AUM increased 19% year-over-year to ₹5,98,166 crore as of Dec 31, 2025.
Strong digital adoption and omnichannel platforms enhanced customer engagement and operational efficiency.
Major capital infusion of ₹2,750 crore in housing finance from Advent International, valuing ABHFL at ₹19,250 crore post-money.
Board approved unaudited standalone and consolidated results for the quarter and nine months ended December 31, 2025.
Financial highlights
Standalone profit after tax (excluding exceptional items) grew 24% year-over-year to ₹749 crore; consolidated Q3 FY26 net profit: ₹945.02 crore.
NBFC profit after tax for Q3 was ₹772 crore, up 8% sequentially and 29% year-over-year; net interest income rose 23% year-over-year to ₹2,127 crore.
Housing finance profit after tax surged 115% year-over-year to ₹236 crore; ROA at 1.96%, ROE at 14.92%.
AMC revenue for Q3 was ₹562 crore, up 16% year-over-year; profit after tax at ₹270 crore, up 20% year-over-year.
Life insurance individual first year premium grew 19%, health insurance gross written premium up 39% year-over-year.
Outlook and guidance
NBFC targets 24-25% annual growth, aiming to double the loan book in three years.
Housing finance expects to achieve ROA of 2.1-2.2% earlier than guided, with current ROA at 1.96%.
Life insurance aims for 20%+ CAGR in individual FYP over the next three years and to double net VNB in three years.
Continued focus on expanding in prime and affordable segments, leveraging digital capabilities and distribution network.
NBFC ROA expected to expand to 2.5% in the next four to five quarters.
ABHFL capital raise: strategic impact?
What are the key benefits of ABFL amalgamation?
Digital platforms: growth drivers and future plans?
HFC Advent deal: ABCL's capital strategy impact?
NBFC yields flat despite mix shift: What's driving this?
NBFC ECL model: Any planned changes or provision buffers?
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Next Aditya Birla Capital earnings date
Q4 202630 May, 2026
Aditya Birla Capital
Next Aditya Birla Capital earnings date
Q4 202630 May, 2026
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Frequently asked questions
Aditya Birla Capital Limited is a diversified financial services company that operates across multiple segments, including lending, asset management, life and health insurance, and wealth management. The company provides personal and business loans, investment products, insurance solutions, and financial advisory services through its subsidiaries. It serves a wide range of customers, including individuals, small businesses, and corporations. Aditya Birla Capital Limited also offers digital financial services and operates a multi-channel distribution network across India. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.
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