Vishakha Mulye

AI is now becoming a core operating layer for us, and we are scaling up its uses across various areas such as underwriting, sales, voice calling, audit and compliance, customer service and operations.

We believe we are now fully geared up for the next phase of our growth...

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.

We are starting to see some benefits of these measures in terms of record automobile and light goods sales since the last week of September.

We have taken several proactive interventions over the last few quarters in unsecured loan segments... the environment seems to have settled.

We have successfully completed the amalgamation of Aditya Birla Finance with Aditya Birla Capital, following all requisite approvals.

We have been calibrating our NBFC portfolio by reducing our exposure to the smaller ticket side unsecured personal loans and increasing the proportion of secured business loans over the past few quarters.

We have built significant capacity over the past few quarters by making investments in digital properties, technology, people and distribution. I am delighted to share that we have crossed the monthly disbursement run rate of INR 1,500 crores.

We remain confident in growing the overall NBFC portfolio by a CAGR of 25% over the next two to three years.

Our credit loss has improved from 1.43% in Q1 to 1.25% in Q2 FY25, which is the best in class in the industry.

Our prudent risk management practices have enabled us to pursue growth while protecting our capital.

Return on capital is important, but return of capital is going to be the cornerstone of our strategy.