Q2 2026 Aditya Birla Capital Ltd Earnings Call Transcript

Oct 30, 2025 / 11:00 AM GMT

Release Date Price: ₹326.8 (+5.15%)

Transcript

Key Points

Positve

Aditya Birla Capital Ltd (NSE:ABCAPITAL) reported a 3% year-on-year increase in consolidated profit after tax to ₹855 crore.
The NBFC business saw a significant disbursement increase of 39% sequentially, with the portfolio growing by 22% year-on-year.
The company's asset quality remains strong, with a decline in stage 2 and 3 loans by 121 basis points year-on-year.
The housing finance business experienced robust growth, with the loan portfolio increasing by 65% year-on-year.
The life insurance business achieved a 19% year-on-year growth in individual first-year premium, with market share increasing by 50 basis points.

Negative

Ongoing tariffs and trade policy uncertainties could impact external demand, requiring close monitoring.
The credit cost is expected to remain in the range of 1.2% to 1.3%, indicating potential pressure on profitability.
The health insurance business reported a net loss of ₹101 crore for the first half of the year under new regulations.
The recent GST exemption on life insurance premiums may lead to short-term margin pressure due to the loss of input tax credits.
The operating expenses to assets ratio increased by 29 basis points sequentially, indicating rising operational costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ADTB.NS - Aditya Birla Capital Ltd
Q2 2026 Aditya Birla Capital Ltd Earnings Call
Oct 30, 2025 / 11:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q2 FY26 earnings conference call of Aditya Birla Capital Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that the conference is being recorded.

I now hand the conference over to Ms. Visaka Mulla, MD and CEO Aditya Villa Capital Limited.

Thank you and over to you, ma'am.

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Unidentified_2 [2]
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