ABCAPITAL · NSE · Investment Company
Aditya Birla Capital Ltd
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
fair
low confidence
No valuation within 120 days; P/E 25.0 vs peers 20.5 (18th of 25); P/B 2.7 vs peers 2.5 (14th of 25).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model
What is Aditya Birla Capital's share price today?
Aditya Birla Capital last traded at ₹380.25 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, up 27.3% over a year. Its 52-week range is ₹288 to ₹431. The live price is in the app.
₹380.25
−0.1% today
+27.3% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range65% of the way up
Low ₹288High ₹431
What is Aditya Birla Capital's market cap?
Aditya Birla Capital's market capitalisation is about ₹1.04 lakh crore: what it would cost to buy every share at today's price. That makes it the 11th largest mid cap company we cover.
₹1.0 L Cr
Mid Cap11th largest mid cap company
Share price₹380.25
×
Shares in issue274 crore
=
Market cap₹1.0 L Cr
Mid Cap means the companies ranked 101 to 250 by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: ABCAPITAL
- ISIN
- INE674K01013
- Cap bucket
- Mid Cap, 11th largest by market cap
- Industry (NSE)
- Financial Services › Finance › Investment Company
- Listed since
- 2017
- Futures and options
- Traded
Is Aditya Birla Capital overvalued?
Fair, with low confidence: no valuation within 120 days; P/E 25.0 vs peers 20.5 (18th of 25); P/B 2.7 vs peers 2.5 (14th of 25).
Valuation
Latest price and trailing 12 months
P/E
25.03
vs peers 20.5 · 18th of 25
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
2.67
vs peers 2.5 · 14th of 25
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹1.04 lakh Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
11.86
vs peers 1.7 · 19th of 20
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
Not available
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is Aditya Birla Capital a quality business?
Quality score 48, 15th of 24 in its peer set; WATCH on 15 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
48
vs peers 56.1 · 15th of 24
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
WATCH
15 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: consolidated accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is revenue from operations less finance costs over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances (the loan book from the Q4 filing); ROA over average total assets; ROE over average equity
Net interest margin
13.6%
vs peers 4.6% · 3rd of 24
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
Not available
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
Not available
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
Not available
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
1.0%
vs peers 0.8% · 11th of 20
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
80.8%
vs peers 38.3% · 22nd of 25
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
1.3%
vs peers 2.3% · 22nd of 24
Profit as a share of average total assets. Learn more →
CET1 ratio
Not available
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
28.0%
vs peers 15.8% · 4th of 16
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
Not available
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has Aditya Birla Capital made money for shareholders?
Yes: +27.3% over one year and +27.5% a year over five years.
Shareholder returns
5-year return
+27.5% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
+0.9%1M
+0.5%3M
−6.6%6M
+12.8%1Y
+27.3%3Y
+30.2%5Y
+27.5%Is Aditya Birla Capital growing?
Loan growth 28.0%; revenue 3 years 14.8% a year; eps 3 years -9.3% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
28.0%
vs peers 15.8% · 4th of 16
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
Not available
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
14.8% a year
vs peers 18.2% · 15th of 25
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
-9.3% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
16.6% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
25.9% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did Aditya Birla Capital do last quarter?
Aditya Birla Capital reported income of ₹12,333 Cr, up 12.0% on a year earlier and a net profit of ₹1,224 Cr, up 14.2% in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹12,333 Cr
+12.0% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹1,224 Cr
+14.2% on a year earlier
What was left for shareholders after every cost and tax.
How does Aditya Birla Capital compare with its peers?
Compared with 24 Finance (the industry, as the basic industry was too small); 18th of 25 on P/E; 15th of 24 on quality score.
Compared with 24 Finance (the industry, as the basic industry was too small)
24 companies
- Aditya Birla Capital Ltd (this page)
- Bajaj Finserv Ltd
- Shriram Finance Ltd
- Jio Financial Services Ltd
- Cholamandalam Investment & Finance Company Ltd
- Tata Capital Ltd
- Bajaj Holdings & Investment Ltd
- Power Finance Corporation Ltd
- Muthoot Finance Ltd
- Indian Railway Finance Corporation Ltd
- REC Ltd
- Bajaj Housing Finance Ltd
- L&T Finance Ltd
- SBI Cards & Payment Services Ltd
- HDB Financial Services Ltd
- Authum Investment & Infrastructure Ltd
- Piramal Finance Ltd
- Sundaram Finance Ltd
- Mahindra & Mahindra Financial Services Ltd
- Poonawalla Fincorp Ltd
- CRISIL Ltd
- Housing & Urban Development Corporation Ltd
- LIC Housing Finance Ltd
- Tata Investment Corporation Ltd
- PNB Housing Finance Ltd
Aditya Birla Capital against its peers
Largest 10 of 24 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Aditya Birla Capital Ltd₹1.0 L Cr25.02.711.5%+27.3%
Jio Financial Services Ltd₹1.4 L Cr66.75.62.5%−30.4%
Peer median—20.52.513.6%−13.9%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns Aditya Birla Capital?
Aditya Birla Capital is held by promoters 68.8%, foreign institutions 8.6%, domestic institutions 13.5%.
Shareholding pattern
Latest filing, percent of shares
Promoters68.8%
The founders and controlling group.
Foreign institutions8.6%
Overseas funds investing through the FPI route.
Domestic institutions13.5%
Indian insurers, banks, pension and mutual funds together.
Mutual funds6.4%
Indian mutual fund schemes; part of domestic institutions.
Retail and others5.2%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What do analysts say about Aditya Birla Capital?
14 analysts cover Aditya Birla Capital, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
Analyst consensus
14 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.
What does Aditya Birla Capital do and what is it sensitive to?
Aditya Birla Capital Limited is a diversified financial services group offering insurance, loans, investments, and payments through subsidiaries and associates. Sensitive to: equity market prices.
Business-model card
FY2024 · 58 verified
8Revenue
4Channels
2Regulators
5Reg. dependencies
5Sensitivities
9Costs
3Geographies
Aditya Birla Capital Limited is a diversified financial services group offering insurance, loans, investments, and payments through subsidiaries and associates. It earns revenue from life insurance premiums, non-banking financial services lending, housing finance, asset management, health insurance, and broking services.
Revenue by segment
year ended 31st March 2024 (Consolidated)
NBFC32.0%
Housing Finance4.5%
Life Insurance46.1%
Asset Management4.1%
General Insurance Broking1.4%
Stock and Securities Broking1.0%
Health Insurance8.7%
Other Financial Services2.1%
Revenue engine
8 verified
Life Insurance (46.2%)
Gross benefits and claims for life insurance contracts including cost of claims, claims handling costs, and policyholder bonuses; investment contracts with discretionary participation features.
NBFC (Non-Bank Financial Services) (32.1%)
Non-banking financial services including lending; contributes to credit growth in the private sector through prudent underwriting and risk management.
Health Insurance (8.7%)
Claims incurred comprise claims paid, change in estimated liability for outstanding claims, claims incurred but not reported (IBNR), and settlement costs; products include Activ One and variants for different segments.
5 more statements
Asset Management
Asset management services; revenue from asset management charges based on value of assets in unit-linked funds.
Housing Finance (ABHFL)
Retail housing loans to salaried, self-employed and professionals in Tier I suburbs, Tier II and Tier III cities; digital lending platform Finverse enables faster loan processing.
Broking Services
Insurance broking and stock & securities broking; brokerage fee income recognized at point in time when trade is executed or over time for fixed-fee contracts.
Other Financial Services
Insurance advisory, asset reconstruction, direct-to-customer (D2C) platform offering 22 products including lending, insurance, investment and payments.
Money Services
Money transfer and related financial services through Aditya Birla Money Limited.
Customers & channels
4 verified
Individual customers across income segments
Client base includes HNWIs, SMEs, and retail customers; focus on salaried, self-employed professionals and mass-market segments across urban and semi-urban areas.
Virtual Relationship Manager (VRM) channel
Emerging market and service-to-sales channels leveraging multiple distribution avenues including ABG ecosystem companies, employees, and distributors.
Agent and broker network
Access to 110,000+ agents and 4,00,000+ distributors & vendors; 8,00,000+ points of sale supporting mass market reach.
1 more statement
Group and corporate clients
Group business recorded 49% YoY growth in FY24 with focus on value-accretive business through client segmentation and cross-sell/up-sell strategy.
Regulators
2 verified
Reserve Bank of India (RBI)
Regulates the Company as a Non-Deposit taking Systemically Important Core Investment Company (CIC-ND-SI) and Middle Layer NBFC under Scale Based Regulation framework; issues Master Directions on CIC operations, liquidity risk management, and IT framework.
Securities and Exchange Board of India (SEBI)
Governs asset management operations, broking services, listing obligations, and disclosure requirements; regulates capital issuance and insider trading.
Regulatory dependencies
5 verified
RBI Master Direction compliance for CIC-ND-SI classification
Company must comply with all RBI Master Direction provisions; non-compliance could result in loss of registration, capital requirements, or operational restrictions. Affects capital structure and permissible business activities.
Liquidity Risk Management Framework under RBI guidelines
Company must maintain liquidity ratios and manage liquidity risk per RBI guidelines; changes in liquidity requirements could increase funding costs or restrict lending.
Interest rate sensitivity management under ALM policy
ALM and duration management required by regulators; interest rate changes directly impact earnings through repricing of variable-rate assets and liabilities.
2 more statements
Digital onboarding and KYC requirements
Regulators permit digital KYC via DigiLocker and eSign; these digitalization allowances reduce turnaround time and customer acquisition cost but depend on ongoing regulatory support.
Housing finance regulatory oversight (ABHFL)
Housing finance operations subject to RBI regulations on residential mortgage lending; changes in LTV limits, risk weights, or lending norms affect credit growth and capital requirements.
Sensitivities
5 verified
Equity market prices
Equity market declines reduce asset management revenues (AUM-linked) and increase costs of guarantees on unit-linked policies; also impact insurance reserves and investment returns.
Monsoon and agricultural conditions
Below-normal monsoon affects rural income, mortgage demand, and agricultural lending; above-normal monsoon supports growth. FY25 forecast is 106% of long-period average.
Crude oil and commodity prices
Higher crude oil and commodity prices increase inflation, delay RBI rate cuts, and reduce consumer purchasing power and loan demand; also increase claim costs.
2 more statements
Foreign exchange movements
Rupee depreciation increases foreign currency outgo and hedging costs; rupee appreciation reduces repatriation value of overseas earnings (though FY24 foreign exchange earnings were zero).
Credit quality and default rates
Rising loan defaults in NBFC and housing finance portfolios increase provisions, reduce profitability, and trigger capital impairment; tight credit cycles can reduce origination.
Cost inputs
9 verified
Borrowing costs
NBFC and housing finance rely on wholesale funding; interest expense depends on prevailing rates and credit spreads. Total borrowings ₹91,364 Cr with variable-rate component ₹25,383 Cr.
Insurance claims and benefits
Life insurance claim costs including death benefits, maturity claims, and policyholder bonuses; health insurance claims including claim settlements and investigation fees.
Reinsurance premiums and costs
Insurance businesses purchase reinsurance to mitigate risk; reinsurance costs are expenses that reduce underwriting margins.
6 more statements
Employee and talent costs
Payroll and talent acquisition costs for 1,80,000+ employees; investment in data science, analytics, and ML talent for digital transformation.
Technology and digital platform development
Data lake, data warehouses, cloud infrastructure, AI/ML models, and digital platforms (ABCD, Finverse); ongoing investment in scalable systems.
Commission and distribution costs
Commission payable to agents, brokers, and bancassurance partners; distributor support and incentives scale with sales volume.
Acquisition costs (insurance)
Insurance acquisition costs (including commissions, underwriting, and marketing) amortized over policy contract period; deferred for investment contracts.
Compliance and regulatory costs
Costs of compliance with RBI Master Directions, SEBI regulations, AML/KYC, data governance, and internal audit; regulatory fines and penalties risk.
Fraud control and underwriting costs
Document sampling, property verification, ML-based fraud detection models, vendor and customer due diligence; survey and investigation fees for claims.
Geographies
3 verified
Housing finance distribution (ABHFL)
Presence in 19 states and union territories across 117 cities with 135 branches covering ~85% of total origination opportunity; focus on Tier I suburbs, Tier II and Tier III cities.
Urban and semi-urban focus for insurance and lending
Retail franchise targets salaried and self-employed professionals; concentration in high-potential and under-penetrated markets; top 10 cities by retail business scaled 65% in FY24.
No international operations
No foreign exchange earnings; international presence zero; all business concentrated in India.
Each statement is checked word for word against the FY2024 annual report; the passages are in the app.
What changed recently?
Q1 FY2027 results filed (31 Jul 2026).
Change log
7 entries · newest first
- Results filedQ1 FY2027 results filed.
- Results filedQ4 FY2026 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Results filedQ1 FY2026 results filed.
- Results filedQ4 FY2025 results filed.
- Corporate actionAnnual General Meeting.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsWATCH on 15 of 22 lender flags judged; 1 red; 7 could not be judged.
- Data gapsDividend yield, PEG on our 3-year EPS growth, Business quality, Gross NPA, Net NPA, Provision coverage and 4 more: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓109 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2024 · 58 verified
Questions people ask
What is Aditya Birla Capital's share price today?
Aditya Birla Capital last traded at ₹380.25 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, up 27.3% over a year. Its 52-week range is ₹288 to ₹431. The live price is in the app.
What is Aditya Birla Capital's market cap?
Aditya Birla Capital's market capitalisation is about ₹1.04 lakh crore: what it would cost to buy every share at today's price. That makes it the 11th largest mid cap company we cover.
Is Aditya Birla Capital Ltd a large cap, mid cap or small cap?
Aditya Birla Capital Ltd (ABCAPITAL) is a mid cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is Aditya Birla Capital Ltd's P/E ratio?
25.03, vs peers 20.5 · 18th of 25. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is Aditya Birla Capital Ltd overvalued?
Fair, with low confidence: no valuation within 120 days; P/E 25.0 vs peers 20.5 (18th of 25); P/B 2.7 vs peers 2.5 (14th of 25).
How does Aditya Birla Capital Ltd make money?
Aditya Birla Capital Limited is a diversified financial services group offering insurance, loans, investments, and payments through subsidiaries and associates. It earns revenue from life insurance premiums, non-banking financial services lending, housing finance, asset management, health insurance, and broking services.
Why is there no Altman Z or debt to equity for Aditya Birla Capital?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are Aditya Birla Capital Ltd's peers?
Compared with 24 Finance (the industry, as the basic industry was too small): Bajaj Finserv Ltd, Shriram Finance Ltd, Jio Financial Services Ltd, Cholamandalam Investment & Finance Company Ltd, Tata Capital Ltd and 19 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did Aditya Birla Capital do last quarter?
Aditya Birla Capital reported income of ₹12,333 Cr, up 12.0% on a year earlier and a net profit of ₹1,224 Cr, up 14.2% in the Jun 2026 quarter.
Who owns Aditya Birla Capital?
Aditya Birla Capital is held by promoters 68.8%, foreign institutions 8.6%, domestic institutions 13.5%.
What do analysts say about Aditya Birla Capital?
14 analysts cover Aditya Birla Capital, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.