Q1-FY26 · Vishakha Mulye
We have taken several proactive interventions over the last few quarters in unsecured loan segments... the environment seems to have settled.
ABCAPITAL / language trends
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Aditya Birla Capital · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY26 · Pankaj K
We are seeing operating leverage kicking in with OPEX to AUM improving by 32 basis points sequentially.
Q1-FY26 · Kamlesh
We maintain our guidance to expand net margins through this year to achieve an 18% plus for the year.
Q1-FY27 · Rakkesh
Return of capital is very, very important for us so we will not take anything which is undue risk and we have been calibrating over the last 18 to 24 months.
Q1-FY27 · Rakkesh
Our approach remains consistent, grow responsibly, stay close to our customers and deliver steady long-term value to all our stakeholders.
Q1-FY27 · KM
The focus is clear: to use AI to enhance human judgment, not just replace it, and drive greater speed, consistency and quality in everything that we do.
Q3-FY26 · Vishakha Mulye
We believe we are now fully geared up for the next phase of our growth. Going forward, we believe our strength in balance sheet will enable us to sustain the current growth momentum, gain market share and improve our profitability while maintaining the best-in-class asset quality.
Q3-FY26 · Kamalesh
Our guidance continues to grow individual FIP at a CAGR of 20% plus for the next three years. Whilst achieving this growth, we intend expanding our current VNB margins of 18% plus and in absolute terms double the value of our net VNB in 3 years time.
Q3-FY26 · Pankaj
We have successfully signed one of the largest capital infusion deals in the Indian housing finance sector and are pleased to welcome Advent International as a new shareholder.