Bengaluru, November 24, 2025: Aditya Birla Sun Life Insurance Company Limited (“ABSLI”), the life insurance subsidiary of Aditya Birla Capital, India’s leading diversified financial services company, today announced the launch of ABSLI Vision Retirement Solution – an innovative and flexible combo solution offering a regular stream of income post-retirement.

ABSLI Vision Retirement Solution is thoughtfully designed to meet the needs of today’s smart retirees. The solution combines the ABSLI’s Guaranteed Annuity Plus, which ensures annuity payouts for life, with ABSLI’s Wealth Infinia Plan, which provides equity-linked growth potential to stay ahead of inflation.

Furthermore, the solution offers guaranteed payouts till the age of 100, ensuring lifelong financial security, while the equity-linked portion enables systematic withdrawals of               5 percent of the fund value with the potential for higher, inflation beating returns.

Customers can choose between two premium allocation options, 60:40 or 50:50 between the annuity and market-linked components, and select their preferred pay-out frequency such as annual, semi-annual, quarterly, or monthly to suit their lifestyle and cash flow requirements. The solution also offers a comprehensive death benefit to protect the family’s legacy and provide continued financial security.

Mr. Kamlesh Rao, MD & CEO, Aditya Birla Sun Life Insurance Company Limited said, “We believe retirement should be a time to live life free from all financial worries. With Aditya Birla Sun Life’s Vision Retirement Solution, individuals can enjoy lifelong income potential that is designed to beat inflation, along with flexible premium options for lasting financial security. Featuring guaranteed annuity and equity-linked payouts, this solution empowers smart retirees to plan for tomorrow while enjoying today”.

Eligibility of the plan starts at 40 years, with a maximum entry age of 60 years for a 7-year premium payment term and 65 years for 8 or 10 year premium payment terms. The policy term is designed to last for the lifetime of the policyholder with premiums starting at ₹5 lakh annually.

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Even though there is ample support for innovations to become ventures at School and Higher Education levels, minimal support exists for the Technical and Vocational Education and Training (TVET) sector, that includes more than 13 lacs students enrolled in ITIs and NSTIs. Majority of the TVET graduates get absorbed in the industry, work as trainers or educators, or get into traditional self-employment trades.

Speaking at the launch, Ms. Debashree Mukherjee, Secretary, MSDE, Government of India said, “At the Ministry of Skill Development and Entrepreneurship, we believe that every skilled individual carry within them the potential to become a job creator. Through this partnership with the Aditya Birla Capital Foundation, we are enabling NSTI students to channel their technical skills into innovation and enterprise. The Navonmesh Protsahan Spardha will empower our young innovators to transform ideas into sustainable ventures, strengthening India’s vision of becoming an Aatmanirbhar and innovation-driven nation.”

The innovation challenge has been launched under the title Navonmesh Protsahan Spardha: Kaushalta se Udyamita, with the objective to nurture skill-based innovation in NSTI students. Being a first of its kind innovation challenge, it will cater to 10,000+ NSTI students and will include mentoring, prizes, access to resources, and further incubation, for launching the ideas of students in the market. The focus of the program will be students with innovative ideas in IT/ITeS, Automotive, Apparel, Electronics & Hardware and Power, and Capital Goods & Manufacturing sectors. Pilani Innovation and Entrepreneurship Development Society (PIEDS), the incubator of BITS Pilani, would be managing this program, and is being supported under the Corporate Social Responsibility initiatives of the Aditya Birla Capital Foundation.

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The consolidated revenue¹ grew by 10% year-on-year to `10,949 crore in Q3 FY25. The consolidated profit after tax was ` 708 crore in Q3 FY25 compared to ` 736 crore in Q3 FY24. The overall lending portfolio (NBFC and HFC) grew by 27% year-on-year and 6% sequentially to ` 1,46,151 crore as on December 31, 2024. The total AUM (AMC, life insurance and health insurance) grew by 23% year-on-year to ` 5,03,377 crore as on December 31, 2024. The total premium (life insurance and health insurance) grew by 27% year-on-year to ` 16,942 crore in 9M FY25.

The Company’s omnichannel architecture allows customers to choose the channel of their choice and interact seamlessly across digital platforms, branches and VRMs, fostering engagement and loyalty. The Company’s D2C platform, ABCD offers a comprehensive portfolio of more than 22 products and services such as payments, loans, insurance, and investments. Its unique feature of ‘My Track’ helps users track their personal finance, credit history and health. It helps customers to fulfil their financial needs and serves as an acquisition engine for the Company. The platform has witnessed a strong response with more than 4.1 million customer acquisitions till date. Aditya Birla Capital servicing app for existing customers was rolled out in December 2024. It has been built on a modular platform offering a unified and common servicing infrastructure across all businesses and has a single sign-on with ABCD app.

The comprehensive B2B platform for the MSME ecosystem, Udyog Plus, offers seamless, paperless digital journey for business loans, supply chain financing and a host of other value-added services. It continues to scale up quite well with more than 2.2 million registrations. The Company is also seeing an increased adoption from its existing customers, and as a result the total portfolio of Udyog Plus has crossed ` 3,300 crore.

The B2D digital integrated platform for channel partners, Stellar, went live in January. It offers them a consolidated ‘one view’ dashboard of their business. It helps them to manage their leads and track them till conversion and enables them to grow their business volumes. It will help the Company to increase the product penetration among existing customers.

The Company has a pan-India presence of 1,482 branches across all businesses as of December 31, 2024. The Company is focused on capturing white spaces and driving penetration into tier 3 and tier 4 towns and new customer segments.

Highlights of NBFC business in Q3 FY25

• AUM grew by 21% year-on-year and 4% sequentially to  1,19,437 crore
• Loans to Retail, SME and HNI customers constitute 64% of the total portfolio

• Profit before tax grew by 5% year-on-year to ` 805 crore
• Return on assets was 2.10% and return on equity was 13.87%
• Gross stage 2 and 3 ratio improved by 60 basis points year-on-year to 4.25%

Highlights of Housing Finance business in Q3 FY25

• Disbursements grew by 136% year-on-year and 18% sequentially to  4,750 crore
• AUM grew by 62% year-on-year and 15% sequentially to  26,714 crore

• Profit before tax grew by 10% year-on-year and 6% sequentially to ` 110 crore
• Return on assets was 1.42% and return on equity was 10.66%
• Gross stage 2 and 3 ratio improved by 177 basis points year-on-year and 45 basis points sequentially to 1.77%

Highlights of Asset Management business in Q3 FY25

• Mutual fund quarterly average assets under management (QAAUM) grew by 23% year-on-year to  3,83,911 crore, with equity mix at 46.8%
• Equity QAAUM grew by 32% year-on-year to  1,79,481 crore
• Individual monthly average assets under management grew by 19% year-on-year to 1,97,331 crore
• Monthly systematic investment plan (SIP) flows grew by 38% year-on-year to  1,382 crore in December 2024
• Operating profit grew by 42% year-on-year to  261 crore

Highlights of Life Insurance business in 9M FY25

• Individual First Year Premium (FYP) grew by 31% year-on-year to  2,595 crore
• Group New Business Premium grew by 32% year-on-year to ` 4,036 crore
• Renewal premium grew by 13% year-on-year to  6,555 crore
• 13^th month persistency was strong at 87% in December 2024
• 61^st month persistency continued to improve at 67% in December 2024 (December 2023: 62%)
• Net VNB margin was 10.8%

Highlights of Health Insurance business in 9M FY25

• Gross written premium (GWP) grew by 39% year-on-year to  3,337 crore
• Market share among standalone health insurers (SAHI) increased by 138 basis points year-on-year to 12.0%
• Combined ratio improved to 114% from 121% in 9M FY24

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~ The platform recorded 1.2 million+ registrations till date ~

Bengaluru, August 28, 2024: Aditya Birla Capital Digital Limited (“ABCDL”), the digital-first arm of India’s leading financial services conglomerate, Aditya Birla Capital, today, announced the launch of a suite of three new product offerings – DigiGold Gifting, Family Health Scan and SIMPLiNVEST on ABCD, omnichannel D2C platform at the Global Fintech Festival. Building on the platform’s 1.2 million+ registrations, these new offerings are aimed at providing users with a more personalized and convenient digital financial experience, making “Everything Finance as Simple as ABCD”.

DIGIGOLD GIFTING

Gifting digital gold is a new feature, wherein ABCD app users can seamlessly gift their friends and family digital gold using the recipient’s mobile number. The recipient can redeem the gold by downloading the ABCD app from Play Store and Appstore.

 FAMILY HEALTH SCAN

This is an innovative, selfie-based, free Health Scan feature which is available under ‘My Track’ section of the ABCD app. It has now expanded to cover up to 5 family members. The technology extracts health measurements from a video stream of the face-scan based on complex mathematical algorithms across 20+ vital health parameters including overall health score, heart rate, respiration rate, blood pressure etc.

SIMPLiNVEST

Currently in beta version, SIMPLiNVEST is an industry-first solution which enables users to undertake systematic investments across various asset classes like mutual funds, stocks and digital gold through a single, intuitive journey. It automates, diversifies, and personalizes user’s investment journey, providing a balanced approach to wealth accumulation. With features like personalized asset allocation and customized investment calendars, investors are empowered to seamlessly take care of their financial goals, based on their risk appetite and monthly investment surplus.

Announcing the launch, Mr. Pankaj Gadgil, Head – Digital Platforms and Payments Strategy, Aditya Birla Capital Limited said, “We are excited to unveil these new features to help our users manage their finances and health better, all from the convenience of ABCD platform. Gold is an important asset class for wealth diversification and is deeply rooted in our culture of gifting. With DigiGold Gifting, we have combined the essence of tradition in a new-age digital package. Through Family Health Scan’s instant health insights, users can effortlessly monitor their own health and that of their loved ones through a simple face scan. With SIMPLiNVEST, our multi-asset investment feature, we are enabling users to diversify and sachetise their portfolios through a single, intuitive journey. As we go forward, we will add more features on the platform, to serve the evolving needs of users and help make their digital financial experience simple and frictionless.”

As a part of its ongoing innovation and digital transformation journey, Aditya Birla Capital commercially launched the omnichannel D2C platform, ABCD in April 2024. Guided by a Maximum Viable Product approach, ABCD offers users a comprehensive portfolio of 20+ products and services including loans, investments, insurance and payment facilities such as UPI payments, multi-account payments, multi-mode receipt and spend analyzer tools among others. The platform has witnessed a strong response with over 1.2 million registrations till date.

Aditya Birla Capital Limited (“ABCL”) is the holding company for the financial services businesses of the Aditya Birla Group. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycle. Powered by about 50,000 employees, the businesses of ABCL have a nationwide reach with over 1,505 branches and more than 200,000 agents/channel partners along with several bank partners, as of June 30, 2024. Aditya Birla Capital Limited manages aggregate assets under management of Rs. 4.63 Lakh Crore and a consolidated lending book of Rs 1.27 Lakh Crore through its subsidiaries/JVs, as of Q1 FY25.

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