Aditya Birla Capital Limited
Aditya Birla Finance Limited (“ABFL”), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers end-to-end lending, financing, and wealth management solutions to ...
Key Metrics
EPS
14.63
Current ratio
0.06
Debt/Equity
7.09
Debt/EBITDA
40.78
Operaing Cashflow to total debt
-0.12
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Strong ultimate parentage of Grasim; key management personnel with vast experience in financial services domain
Diversified financial services group
Good financial flexibility and diversified funding profile
Adequate capitalisation; demonstrated ability to raise equity
Improving profitability
Liquidity position: Strong
Cons
Asset quality remains moderate with growth in relatively riskier retail unsecured loans
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About Aditya Birla Capital Limited bond.
This comprehensive profile covers key factual information about Aditya Birla Capital Limited. Aditya Birla Finance Limited (“ABFL”), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers end-to-end lending, financing, and wealth management solutions to a diversified range of customers across the country. ABFL is registered with RBI as an Upper Layer non-deposit accepting non-banking finance company (“NBFC”) and is amongst the top five largest private diversified NBFCs in India based on AUM. As of September 30, 2024, ABFL has a total asset under management of Rs.1,07,306 Crore and total equity of Rs. 15,863 Crore. ABFL’s long-term credit rating of AAA (Stable) has been reaffirmed by ICRA in August 2023. ABFL also has a long-term credit rating of AAA (Stable) by India Ratings, Perpetual debt credit rating of AA+ (Stable) by ICRA and AA+ (Stable) by India Ratings (Stable) and short-term credit rating of A1+ by ICRA & India Ratings. EPS in Mar-2024 was 14.63. Current ratio in Mar-2024 was 0.06. Debt/Equity in Mar-2024 was 7.09. Debt/EBITDA in Mar-2024 was 40.78. Operaing Cashflow to total debt in Mar-2024 was -0.12. Total revenue for Mar-2025 (E) was ₹36,603.32. Net income for Mar-2025 (E) stood at ₹3,804.83. Total assets as of Mar-2024 were ₹231,623.29. Total liabilities as of Mar-2024 were ₹202,985.51. Operating cash flow for Mar-2024 was ₹-24100.50. The company’s borrowing relationships include Axis Bank Limited (₹N/A Cr), Bank of Baroda (₹N/A Cr), Bank of India (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), Bank of Bahrain & Kuwait BSC (₹N/A Cr), Canara Bank (₹N/A Cr), Central Bank of India (₹N/A Cr), DBS Bank India Limited (₹N/A Cr), Deutsche Bank (₹N/A Cr), Emirates NBD Bank PJSC (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), ICICI Bank Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), IndusInd Bank Limited (₹N/A Cr), International Finance Corporation (₹N/A Cr), Jammu And Kashmir Bank Limited (₹N/A Cr), Karnataka Bank Limited (₹N/A Cr), Karur Vysya Bank Limited (₹N/A Cr), Kotak Mahindra Bank Limited (₹N/A Cr), MUFG Bank Limited (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), Small Industries Development Bank of India (₹N/A Cr), South Indian Bank Limited (₹N/A Cr), State Bank of India (₹N/A Cr), Union Bank of India (₹N/A Cr), UCO Bank (₹N/A Cr), Axis Bank Limited (₹N/A Cr), Bank of America (₹N/A Cr), Bank of Baroda (₹N/A Cr), DCB Bank Limited (₹N/A Cr), Deutsche Bank (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), ICICI Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), IndusInd Bank Limited (₹N/A Cr), Karnataka Bank Limited (₹N/A Cr), Kotak Mahindra Bank Limited (₹N/A Cr), Mizuho Bank Limited (₹N/A Cr), MUFG Bank Limited (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), Qatar National Bank SAQ (₹N/A Cr), Standard Chartered Bank (₹N/A Cr), State Bank of India (₹N/A Cr), Union Bank of India (₹N/A Cr), United Overseas Bank Limited (₹N/A Cr), (₹N/A Cr). Peers and comparison entities consist of Aditya Birla Capital Limited, Motilal Oswal Financial Services Limited, Cholamandalam Financial Holdings Limited, Piramal Enterprises Limited. As of Sep 2024, promoters hold 68.89% while others hold N/A% of equity. Key strengths include: Strong ultimate parentage of Grasim; key management personnel with vast experience in financial services domain; Diversified financial services group; Good financial flexibility and diversified funding profile; Adequate capitalisation; demonstrated ability to raise equity; Improving profitability ; Liquidity position: Strong. Key risks include: Asset quality remains moderate with growth in relatively riskier retail unsecured loans. Leadership team details include Rakesh Singh (The Managing Director and CEO of ABFL), Nirav Choksi (The Co-founder and CEO of CredAble, a company that partnered with ABFL to provide underwriting solutions for small and medium-sized businesses). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.