Q1 2026 Aditya Birla Capital Ltd Earnings Call Transcript
Key Points
- Consolidated profit after tax grew by 10% year on year to INR835 crore.
- NBFC disbursement increased by 18% year on year to INR15,851 crore.
- HFC disbursement grew by 76% year on year, with the portfolio growing by 70% year on year.
- Asset management business saw a 14% year on year growth in average AUM, crossing INR4 trillion.
- Life insurance business individual first year premium growth was 23% year on year, significantly higher than the industry average.
- Uncertainties persist in the smaller ticket size unsecured MSME segment, leading to a cautious approach.
- Disbursement in unsecured loans to SMEs grew by only 1% year on year and declined by 8% sequentially.
- The unsecured SME business loans portfolio is about 9% of the overall NBFC portfolio, with some stress observed.
- The unsecured business loans segment has a gross stage 3 ratio of 5.4%, indicating higher risk.
- The health insurance business reported a net loss of INR36 crore as per new accounting norms.
Ladies and gentlemen, good day and welcome to the Aditya Birla Capital Limited Q1 FY26 earnings conference call. (Operator Instructions)
I now hand the conference over to Ms. Vishakha Mulye, MD and CEO, Aditya Birla Capital Limited. Thank you, and over to you, ma'am.
Good evening, everyone, and welcome to the earnings call of Aditya Birla Capital for Q1 of FY 2026. Joining me today are senior members of my team: Bala, Rakesh, Pankaj, Kamlesh, Mayank, Pinky, Vijay, Ramesh, and D. I will cover our strategy, financials, and business performance, and Vijay will cover key financials and the business highlights, followed by a discussion on the performance of our key businesses by our business CEOs.
The global macroeconomic environment continues to remain uncertain due to tariff-related negotiations and geopolitical tensions. In this global backdrop, the Indian economy presents a picture of strength, stability, and opportunity. CPI inflation has
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