CreditBrief

What Aditya Birla Capital lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.77 lakh crore (+10% since March).

Aditya Birla CapitalNBFCs

₹1.60lakh croreAUM, NBFC business on 31 Mar 2026: lent and not yet repaid

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Size among peers6thof 13 NBFCs on CreditBrief, March 2026
Biggest segment45.4%Secured business, latest split (30 Sep 2026)
Share of the combined book7.2%of all NBFCs on CreditBrief

Chapter 01 · The loan book

₹1.60 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Aditya Birla Capital's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from secured business down, and you get ₹1.60 lakh crore. By 30 Sep 2026 it was ₹1.77 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

14%People and households₹24,955 crorePersonal & Consumer loans
86%Businesses₹1.52 lakh croreUnsecured businessSecured businessCorporate / Mid-market

Drilling down: what it lends against · 30 Sep 2026

  • Secured business₹80,209 crore45.4%
  • Corporate / Mid-market₹50,483 crore28.6%
  • Personal & Consumer loans₹24,955 crore14.1%
  • Unsecured business₹20,910 crore11.8%

The lending business that used to be Aditya Birla Finance, now reported as Aditya Birla Capital's NBFC segment. It leaves out Aditya Birla Housing Finance; the two together lend ₹2,33,930 crore (page 5).

Sources: Aditya Birla Capital Investor Presentation Q4 FY26, PDF page 19 ↗ for March 2026; Aditya Birla Capital Investor Presentation Q2 FY27, PDF page 20 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 30% a year since March 2022.

From ₹55,180 crore on 31 March 2022 to ₹1.60 lakh crore on 31 March 2026, and ₹1.77 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights10 figures from 4 filings · each checked against its pageHow it works
Aditya Birla Capital · loan book · 31 March 2026₹1.60lakh crore+27% in FY2025-26₹1.77 lakh crore by 30 Sep 2026
  1. 0130%a year since 2022Grew 30% a year from March 2022 to March 2026, a figure that includes a change of measure: March 2022 is the loan book of Aditya Birla Finance, not AUM.
  2. 0227%in FY2025-26Growth picked up to 27% in FY2025-26, from 20% the year before.
  3. 038thamong peersMoved up from 8th to 6th biggest of these 13 NBFCs between March 2022 and March 2026.
Branches465+13% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · AUM, NBFC business55,18080,5561,05,6391,26,3511,59,9161,76,557
BranchesNumber159412465485

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Aditya Birla Capital, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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CreditBrief Insightsto you

Aditya Birla Capital, Q2 FY2026-27: loan book ₹1.77 lakh crore, +10% since March

  • ₹1.77 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Secured business, 45% of the book
  • Every figure links to page 20 of its filing

Chapter 03 · Among its peers

6th biggest of 13 NBFCs we cover, March 2026.

At the end of FY2025-26 it held 7.2% of the combined loan book of the NBFCs on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1Bajaj Finance₹5.10 lakh crore
  2. 2Shriram Finance₹3.02 lakh crore
  3. 3Tata Capital₹2.77 lakh crore
  4. 4Cholamandalam Investment and Finance₹2.24 lakh crore
  5. 5Muthoot Finance₹1.63 lakh crore
  6. 6Aditya Birla Capital₹1.60 lakh crore
  7. 7Mahindra Finance₹1.34 lakh crore
  8. 8L&T Finance₹1.22 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

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Chapter 05 · Sources

Every number, traced to its filing.

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