Company overview - Aditya Birla Finance Limited

Key Highlights

• The company has been continuously profitable for the last 10 years
• Diversified presence in the financial services space.
• As of March 2025, the company had an AUM of INR 1,22,344.51 crore and a Net worth of INR 25,193.64 crore.
• Healthy capital adequacy ratio of 18.22% and net NPA of 1.24% as of March 2025

Overview

ABFL is a wholly owned subsidiary of Aditya Birla Capital Limited. It is registered as an NBFC and provides corporate loans, project finance, mortgage loans, personal & consumer loans, unsecured business loans, real estate loans, etc. It also has a wealth management business. Its portfolio stood at Rs. 93,523 crores as on September 30, 2023, with secured business loans, large & mid corporate, personal & consumer loans, unsecured business loans segment forming 39%, 31%, 21% and 10%, respectively of the portfolio.

Management

Mr. Rakesh Singh (Managing Director & CEO)

Rakesh Singh is the Managing Director and Chief Executive Officer at Aditya Birla Finance Limited (ABFL). Rakesh has been part of the Aditya Birla Group since 2011 and has played a crucial role in driving the growth trajectory of both NBFC and Housing Finance businesses. He has more than 27 years of experience in the financial services industry, cutting across Banking and Non-Banking financial institutions.

Before joining ABFL, Rakesh spent 16 years with Standard Chartered Bank. He was the Head of Mortgages Business, India, and his last assignment with Standard Chartered Bank was as General Manager & Head of SME Banking, India and South Asia.

Rakesh has attended advanced management programmes at Harvard Business School and the Indian Institute of Management, Kolkata, and holds a post-graduation degree in International Relations.

Mr. Deep Pal Singh (Chief Risk Officer)

Deep Pal Singh has been the Chief Risk Officer (CRO) at Aditya Birla Finance Limited since December 2021. He has 25 years of experience in the financial services industry across India and Africa – having worked across large Multinational Banks, Financial Conglomerates, and Non-Banking Financial Institutions.

He joined ABFL from Standard Chartered Bank, where he spent 22 years – starting with Credit Card and then moving to Consumer, Private, and Business Banking (CPBB) with roles across Risk and Business. In his last role, he was the Managing Director and Head of CPBB for Southern Africa (2018-2021), covering Zambia, Botswana, South Africa, and Zimbabwe. He was instrumental in launching a Digital Bank in three markets in Southern Africa (Zambia, Botswana, and Zimbabwe) and in digitizing the entire client on-boarding journey.

Deep is a management graduate with Advanced Management Certification from INSEAD, Asia Campus (Singapore) & Said Business School, Oxford University.

Key Financials- FY25:

All figures in INR crore

Lenders

The prominent lenders in Aditya Birla Finance Limited are:

 Debt:

·       State Bank of India

·       Bank of Baroda

·       Axis Bank

·       Bank of India

·       DCB Bank

Equity:

·       Aditya Birla Capital Limited 

Explore corporate bonds below for Aditya Birla Finance Limited

Above mentioned corporate bond details are as of Date: 20.08.2025.

Disclaimer:

Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.