Aditya Birla Capital Limited (ABCL), a leading diversified financial services company in India, has announced a significant leap forward in its AI-first strategy. The company is implementing artificial intelligence initiatives across its operations, unveiling a suite of AI-powered features and innovations on its flagship omnichannel D2C platform, ABCD.

Enterprise-wide AI Implementation

ABCL's commitment to AI-driven transformation is evident in its establishment of an enterprise-wide Gen AI Centre of Excellence in 2023. In just 18 months, the company has:

• Deployed over 22 live Gen AI use-cases
• Rapidly scaled innovations to drive growth, productivity, engagement, and customer experience

Key AI-Powered Innovations

The company showcased several AI-powered features at the Global Fintech Fest:

SimpliFi: Personal Finance Assistant

• A suite of 7 AI-powered features acting as a personal finance assistant
• Offers personalized insights across credit, health, and spending
• Includes Market Pulse, Smart Signals, and Goal Compass for comprehensive financial guidance

Know Your Policy

• AI-powered feature that instantly decodes health insurance policies
• Provides coverage details and compares alternatives

Protection Amplified

• Offers 360-degree protection for customers
• Includes health-track, health-saver card, comprehensive personal insurance, and digital will for legacy planning

ConseQuest

• A life-simulation game transforming financial education into an interactive experience

Business Impact and Recognition

ABCL's AI-first approach has yielded significant results:

• Recognition as one of Microsoft's Top 50 Early Adopters in Gen AI at IGNITE, USA
• Awarded the Global Celent Model Bank Award for excellence in Generative AI

AI-Driven Business Tools

ABCL has launched several AI-assisted tools to enhance business operations:

• Sales Assist: Supports sales teams with AI-based training and product support
• Service Assist: Helps contact centre agents handle customer queries more efficiently
• Audit Assist and Marketing Assist: Automate workflows to reduce turnaround time

Financial Performance

The company's digital transformation strategy has contributed to impressive financial results:

ABCL's AI-first strategy is reshaping its business model, driving scalable impact across its operations. By leveraging artificial intelligence, the company aims to deliver seamless customer experiences, boost productivity, reduce costs, and achieve sustainable, long-term growth across its diverse financial services portfolio.

Aditya Birla Capital Limited (ABCL) has successfully raised Rs. 1,095 crores through the allotment of Non-Convertible Debentures (NCDs) via private placement to multiple investors. The company made this announcement on September 24, 2025, marking a significant move in its financial strategy.

Debenture Details

The allotment comprises four series of secured, redeemable, rated, and listed debentures:

All debentures have a face value of Rs. 1 lakh each.

Security and Listing

The NCDs are secured by hypothecation of receivables, securities, and current assets of Aditya Birla Capital Limited. This security arrangement provides a first pari-passu charge in favor of the Debenture Trustee over the company's assets.

These debentures are listed on both the BSE Limited and the National Stock Exchange of India Limited, enhancing their liquidity and tradability.

Coupon Payment and Redemption

The coupon payments for each series vary:

• Series 1 has a floating rate of 3M OIS + 1.46%, currently at 6.92% p.a.
• Series 2, 3, and 4 have fixed rates of 7.38%, 7.30%, and 7.52% p.a., respectively.

Coupon payments will be made periodically, with specific schedules detailed for each series. All debentures will be redeemed at their face value of Rs. 1,00,000 per debenture on their respective maturity dates.

Significance of the Issuance

This substantial fund-raising exercise demonstrates Aditya Birla Capital's strong position in the debt market and its ability to attract institutional investors. The varied maturity profiles and interest rates of the NCDs suggest a strategic approach to managing the company's debt structure and cash flows.

The successful placement of these NCDs could provide ABCL with additional capital for its operations, potentially supporting growth initiatives or refinancing existing debt obligations.

As the financial services sector continues to evolve, Aditya Birla Capital's move to raise funds through NCDs reflects its proactive approach to capital management and its commitment to maintaining a robust financial position in the market.