)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Aditya Birla Capital (ABCAPITAL) investor relations material
Aditya Birla Capital Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Consolidated revenue for Q2 FY26 reached ₹12,481 crore, up 4% year-over-year, with profit after tax at ₹855 crore, a 3% increase year-over-year (excluding one-off items in Q2 FY25).
Lending portfolio grew 29% year-over-year to ₹1,77,855 crore, with total AUM rising 10% year-over-year to ₹5,50,240 crore as of September 30, 2025.
Strong growth across NBFC, housing finance, asset management, and insurance segments, with robust asset quality and improved operating leverage.
Strategic focus on digital, data, and omnichannel distribution, with continued investments in technology and branch expansion.
Life insurance first year individual premium increased 19% year-over-year in H1 FY26; health insurance gross written premium rose 31% year-over-year in H1 FY26.
Financial highlights
NBFC disbursements up 39% sequentially; NBFC portfolio grew 22% year-over-year to ₹1,39,585 crore.
Housing finance disbursements up 44% year-over-year to ₹5,786 crore; AUM up 65% year-over-year to ₹38,270 crore.
Asset management average AUM up 11% year-over-year to over ₹4,25,171 crore; operating profit up 13% year-over-year.
Life insurance first year premium up 19% year-over-year; health insurance gross written premium up 31% year-over-year.
Total AUM (AMC, life, and health insurance) grew 10% year-over-year to ₹5,50,240 crore.
Outlook and guidance
Expect credit cost to remain in the 1.2%–1.3% range at the company level.
Housing finance ROA guided to reach 2%–2.2% over the next six to eight quarters.
Life insurance net GMV margin expected to exceed 18% for FY26; health insurance combined ratio targeted to improve from 105%.
Life insurance targets 20%-25% CAGR in individual FYP over the next three years.
NBFC ROA expected to move toward 2.4%–2.5% medium term, with further expansion targeted.
Details of stressed loans transferred to ARCs
Udyog Plus AUM and registration growth
What is ABCL's current NBFC-ICC status?
How will NBFC ROA reach 2.5% by Q4?
GST impact on insurance VNB/Combined Ratio targets?
Rationale for ARC sale of guaranteed loans
NBFC ROA path to 2.5% given credit cost outlook?
GST impact on insurance margins: mitigation plans?
HFC: NII compression vs. operating leverage balance?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Aditya Birla Capital earnings date
Q3 202614 Feb, 2026
Next Aditya Birla Capital earnings date
Q3 202614 Feb, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Aditya Birla Capital Limited is a diversified financial services company that operates across multiple segments, including lending, asset management, life and health insurance, and wealth management. The company provides personal and business loans, investment products, insurance solutions, and financial advisory services through its subsidiaries. It serves a wide range of customers, including individuals, small businesses, and corporations. Aditya Birla Capital Limited also offers digital financial services and operates a multi-channel distribution network across India. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage