Aditya Birla Finance Limited

Marquee Parentage with a Trusted and Well-Respected Brand along with the experienced promoter

- The Company derives significant advantages from the brand equity of “Aditya Birla” which gives the Company access to experienced personnel, industry best practices, robust governance processes, and marketing leverage

- These invaluable resources, combined with the brand equity of the “Aditya Birla” and “Aditya Birla Capital” brands empower the company to drive growth, innovation, and excellence in its business

One of the Leading Financial Services Provider

- The Company has been categorized as an ‘Upper Layer’ NBFC under the scale based regulatory framework for NBFCs introduced by the RBI

- The AUM of the Company stood at Rs. 85,891.2 crore as on June 30, 2023

Ability to maintain net interest margins

- The Company ensures that not only its interest rates are competitive as per the industry standards, but also that the cost of the borrowings it avails are among the lowest as prevailing in the market

- Interest income represented 95.7%, 94.4%, 95.4% and 95.6% of the company’s total income for the three months ended June 30, 2023 and for the Financial years ended 2023, 2022 and 2021, respectively

- Further, the Company’s net interest margin as at June 30, 2023 stood at 7.0%, the Company’s net interest income was Rs. 1,433.0 crore as at June 30, 2023

Asset quality remains moderate with growth in relatively riskier retail unsecured loans

- While the company witnessed slippages from the restructured book and unsecured segments, the reported asset quality was supported by the high growth in the AUM.

- The company’s restructured loans declined to 1.4% as on March 31, 2023 (3.2% as on March 31, 2022)hence the asset quality remains exposed to slippages from unsecured segments