Highlights

• Aditya Birla Capital reported FY26 profit after tax rising 21% year-on-year to ₹3,797 crore.
• Total lending portfolio increased 32% year-on-year, reaching ₹2,07,368 crore in FY26.
• Consolidated revenue grew 14% year-on-year to ₹53,871 crore during FY26 performance.

Aditya Birla Capital Limited (NSE:ABCAPITAL) reported consolidated revenue of ₹53,871 crore in FY26, reflecting a 14% year-on-year increase. Profit after tax stood at ₹3,797 crore, up 21% compared to the previous year.

The company’s lending portfolio expanded to ₹2,07,368 crore, marking a 32% year-on-year rise. Total assets under management (AUM) reached ₹5,91,343 crore, increasing 16% over the same period. These figures indicate broad-based growth across key verticals.

Segment-Wise Growth Trends

The lending business (excluding housing finance) reported profit before tax of ₹4,034 crore in FY26, compared to ₹3,360 crore in FY25. Housing finance profit more than doubled to ₹839 crore from ₹419 crore.

Asset management contributed ₹1,268 crore in profit before tax, while life insurance increased to ₹288 crore from ₹158 crore. Health insurance also reported growth, with profit before tax rising to ₹47 crore.

Lending and Asset Quality Movement

The NBFC segment recorded AUM growth of 27% year-on-year to ₹1,59,916 crore. Retail, SME, and HNI loans contributed 68% of the portfolio.

Gross Stage 2 and Stage 3 assets declined to 2.42%, indicating changes in credit quality metrics. The housing finance segment also showed lower Stage 2 and Stage 3 loans at 0.76%, compared to 1.39% in the previous year.

Insurance and AMC Performance

Life insurance first-year individual premium reached ₹4,725 crore, growing 15% year-on-year. Total premium income stood at ₹24,779 crore.

Health insurance gross written premium increased 39% to ₹6,855 crore. The combined ratio improved to 103% from 105% in FY25.

Asset management quarterly average AUM stood at ₹4,35,866 crore, with equity AUM at ₹1,97,374 crore. Profit after tax for this segment was ₹975 crore.

Digital and Operational Metrics

The company reported over 11 million customers on its digital platform and processed 1.8 crore documents using AI-based systems.

Digital sourcing contributed significantly to lending growth, while automated processes were used across underwriting, servicing, and collections. The company also reported increased adoption of digital servicing tools and customer engagement platforms.

Key Risks

• High exposure to credit risk may impact asset quality during economic slowdown.
• Rising interest rates could affect borrowing costs and lending margins.
• Insurance business subject to claim ratio volatility and regulatory changes.
• Market fluctuations may impact AUM and fee-based income streams.

Share Performance

Aditya Birla Capital (NSE:ABCAPITAL) is showing a positive trend, closing at 356.55 with a gain of +3.09% as of May 5, 2026. The stock is currently trading above its 51-day SMA of 331.41, indicating a short-term bullish outlook. Trading volume is solid at 10.71M. The RSI (14) stands at 61.94, suggesting the stock has upward momentum without being overextended into overbought territory. Overall, the chart reflects a recovery from recent lows with steady buying interest.

Source: TradingView

Summary

Aditya Birla Capital (NSE:ABCAPITAL) reported FY26 revenue growth of 14% and profit increase of 21%. Lending portfolio expansion and insurance premium growth contributed to overall performance. Asset quality metrics showed improvement, while digital adoption increased across operations. Segment-wise contributions remained diversified, though exposure to credit, market, and regulatory risks continues to influence financial outcomes.

FAQs

1. What is Aditya Birla Capital’s FY26 profit performance?
   Aditya Birla Capital reported profit after tax of ₹3,797 crore, increasing 21% year-on-year during FY26 financial results.
2. How did the lending business perform in FY26?
   The lending portfolio grew 32% year-on-year to ₹2,07,368 crore, with significant contribution from retail, SME, and HNI segments.
3. What was the growth in insurance business segments?
   Life insurance premiums rose 15%, while health insurance gross written premium increased 39% during FY26.