### **Overview** Aditya Birla Capital Limited (ABCL) is the integrated financial services platform of the Aditya Birla Group, a $66 billion global conglomerate. As a diversified financial institution, ABCL offers a comprehensive suite of **loans, investments, insurance, and payment solutions** across retail, MSME, and corporate segments. With a strong digital foundation and an ecosystem-driven strategy, the company is positioned as a leading non-bank financial services provider in India, serving **over 37.5 million customers** as of March 2025. The company operates under a **"One ABC, One P&L" strategy**, led by Ms. Vishakha Mulye (Managing Director & CEO – Designate), emphasizing seamless integration across customer touchpoints and business verticals. This strategy is anchored in **data, digital innovation, and cross-business synergy**, aiming to create a unified, customer-first financial ecosystem. --- ### **Strategic Growth Themes (2025 Perspective)** #### **1. Dual Focus: Prime & Affordable Segments** ABCL is accelerating growth in **prime and affordable housing and retail loan segments**, targeting an **average loan ticket size of ₹25–30 lakh**. Supported by its pan-India footprint and synergies with the Aditya Birla Group (ABG) ecosystem, the company targets **65–85% of its total addressable market (TAM)** through micro-market penetration and digital distribution. Branch count has expanded to **167 (as of Sep 2025)** in key operations, such as housing finance. #### **2. Digital-First Transformation & AI Leadership** ABCL is a recognized **pioneer in generative AI adoption**, with: - A **Generative AI Centre of Excellence** established in 2023. - **22+ live AI use cases** deployed across underwriting, servicing, fraud detection, and customer engagement. - AI-enabled customer journeys across the **ABCD D2C platform** (Spend Track Nudges, Market Pulse, Goal Compass, Smart Signals). - Recognition among **Microsoft’s Top 50 First Movers in Generative AI**. The company is pursuing an **AI-first strategy** to automate underwriting, enhance customer experiences, and improve operational efficiency, positioning itself as a future-ready enterprise. --- ### **Digital Platforms & Technology Ecosystem** #### **ABCD – Omni-Channel D2C Platform** - Launched in **April 2024**, ABCD is a **direct-to-consumer (D2C)** mobile and digital platform offering **26+ financial products** across loans, insurance, investments, and payments. - Serves **over 7.6 million customers** with AI-powered tools like **Spend Analyzer, Market Pulse, and Goal Compass**. - Offers **UPI international, ruPay on UPI, digital gifting (DigiGold), and family health tracking**. - Features a **unified dashboard (My Track)** integrating bank accounts, loans, MFs, and stocks. - Aims to onboard **30 million users by FY27**, with **5.5 million customers acquired by Apr 2025**. - Won **‘Best in Class User Friendly Interface’** at the Global Fintech Festival 2024. #### **Udyog Plus – B2B Platform for MSMEs** - Dedicated digital platform for **MSMEs**, enabling **paperless lending, supply chain financing, and value-added services**. - As of FY25: **2.3 million registrations, ₹3,500 crore AUM**, with **21% of unsecured disbursements** originating from this platform. - **50% of its disbursements** come from the ABG ecosystem. - Integrated with **OCEN and ONDC**, offering credit to e-commerce sellers. - Plans include **secured loans, factoring, generative AI for drop-off management, and pre-approved financing**. #### **ABC Stellar – B2D Platform for Distributors** - Launched in **Jan 2025**, connects **over 200,000+ channel partners**. - Enables onboarding, lead management, training, performance tracking, and commission payouts. - Integrated with e-commerce platforms via OCEN. - Features **propensity scoring, gamified rewards, and AI nudges** to boost productivity. #### **Payments & Ecosystem Integration** - **Payments Lounge** on ABCD enables seamless omnichannel transactions via UPI, cards, net banking, and wallets. - Supports **merchant collections (GMV > ₹2,000 crore/month)** and offers **>100 payment services**. - Integrated with **NPCI and UPI international**. - Launched **digital health ecosystem** via Activ Health App, with over **3.8 million downloads**. --- ### **Product & Segment Highlights** #### **Lending Portfolio** - **Secured Loans: ~73–74% of loan book**, signaling a conservative risk posture. - **Secured Business Loans**: ₹57,992 crore AUM (as of Mar 2025), growing at **28% YoY**. - Products: LAP, LRD, LAS, Working Capital. - **Unsecured Business Loans**: ₹12,066 crore AUM, Avg. ticket: ₹10.4 lakh. - **Personal & Consumer Loans**: Avg. ticket: ₹1.9 lakh; digital channels contribute **>58% of sourcing**. - **Corporate & Mid-Market**: ₹40,760 crore AUM, Avg. ticket: ₹70.8 crore. - **Housing Finance (ABHFL)**: - AUM: ₹31,053 crore (**69% YoY growth**). - Disbursements: ₹17,648 crore (**109% YoY increase**). - 55.6% in housing loans, 30.2% in LAP, 14.2% in construction finance. #### **Insurance** - Operates **Aditya Birla Health Insurance (ABHI)** as a standalone entity with a **'Health First' model**. - Products include: - **Activ One**: Wellness-incentivized plan with **100% HealthReturns™**. - Chronic Care, Super Top-Up (₹1 crore), Global Health Secure. - **Niche micro-products**: Ride, travel, telco, gym insurance. - **Health App Features:** - Users: 3.8 million, with **90B+ steps logged**, **450K+ wellness assessments**. - **ABHA integration, diagnostics, pharmacy, and health coaching (Care Managers)**. - **Retail GWP (FY25)**: ₹2,447 crore (**28% YoY growth**). - Holds **11.2% market share** among SAHI players (up 82 bps YoY). #### **Asset Management & Wealth** - **ABSL Asset Management**: - Passive AUM: ₹34,694 crore (**3.7x growth since 2022**), #1 in index debt by AUM. - Investor base: 1.16 million folios (3x growth since 2022). - Alternatives: PMS & AIF AUM up **3.7x YoY to ₹11,330 crore**. - Offshore: Successful fundraising for **ABSL Global Emerging Market Equity Fund**. - Won **ESIC mandate** for portfolio advisory. - Active SIP growth, targeting **HNIs, family offices, institutional clients**. --- ### **Distribution & Market Reach** - **Branch Network**: Over **1,623 branches** pan-India (as of Mar 2025), with ~60% **co-located at shared "One ABC" centers** for cross-selling and cost efficiency. - **Geographic Penetration**: Reaches **>85% of TAM**, with **>80% of branches in B30 cities**. - **Digital Reach**: Serves investors across **>19,000 pin codes**. - **Distributor Expansion**: - Added **>5,300 new MFDs in H1 FY26**. - Total MFDs: **>89,000 (as of Jul 2025)**. - National Distributors: 330+, Bank Partners: 90+ (incl. Axis, IDFC, Equitas). - **Sampark initiative**: Fully digital, one-click empanelment for rapid distributor onboarding. - **Virtual Relationship Managers (VRMs)**: Drive activation, SIP, and sales productivity for new MFDs. --- ### **Leadership & Governance** - **Ms. Vishakha Mulye**: MD & CEO (Designate), leading the One ABC integration strategy. - **Mr. Rakesh Singh**: Executive Director & CEO Designate (NBFC), with ~30 years of financial services experience, formerly with Standard Chartered. - Leadership underpins **digital-first culture, agile execution, and customer-centric innovation**.