Q3 2025 Aditya Birla Capital Ltd Earnings Call Transcript
Key Points
- Aditya Birla Capital Ltd (NSE:ABCAPITAL) reported a 10% year-on-year growth in total consolidated revenue, reaching INR 10,949 crores.
- The company's NBFC portfolio grew by 21% year-on-year, with a significant increase in secured business loans to SMEs, which grew by 37% year-on-year.
- The Housing Finance Company (HFC) portfolio experienced a robust growth of 62% year-on-year, supported by investments in digital properties and distribution.
- The Asset Management business saw a 23% year-on-year growth in mutual fund average AUM, reaching INR 3.83 trillion.
- The Health Insurance business continued to be the fastest-growing stand-alone health insurer, with a 39% year-on-year growth in gross written premium.
- The consolidated profit after tax decreased to INR 708 crore from INR 736 crores in the same quarter last year.
- The Indian macroeconomic environment remains challenging, with moderating urban demand and high capital market volatility.
- The company's credit cost increased slightly to 1.36%, though it remains within the normalized threshold.
- There was a decline in the profit after tax for the NBFC business, which grew only by 5% year-on-year.
- The company's ROA and ROE for the NBFC business were relatively modest at 2.1% and 13.87%, respectively.
Ladies and gentlemen, good day, and welcome to the Q3 FY25 Earnings Conference Call of Aditya Birla Capital Limited. (Operator Instructions)
I now hand the conference over to Ms. Vishakha Mulye, CEO, Aditya Birla Capital. Thank you, and over to you, ma'am.
Good evening, everyone, and welcome to the earnings call of Aditya Birla Capital for Q3 of FY 2025. Joining me today are senior members of my team, Bala Rakesh, Tushar, Pankaj, Kamlesh, Mayank, Pinky Vijay, Ramesh and Sanchita. I will cover our strategy and business performance, and Vijay will cover key financial highlights, followed by the discussion on performance of our key businesses by our business CEOs.
The Indian macroeconomic environment remains very challenging with moderating urban demand, tight liquidity conditions, high capital market volatility, slow CapEx offtake and depreciation in rupee. The GDP growth rate of the Indian economy declined sharply in Q2 FY 2025, while the CPI inflation cooled down marginally in
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