The global conglomerate, Aditya Birla Group, is headquartered in India.&nbsp;From the strength of metals to the ingenuity of building solutions, the Group’s presence extends across the spectrum. From exploring financial frontier to donning the latest trends in fashion and delving into the intricacies of cellulosic fibres and chemicals, the group is a leading player in India.&nbsp;In India, Aditya Birla Group is the No. 1 fashion (branded apparel) and lifestyle player, the 2nd largest player in viscose filament yarn, the largest producer in the chlor-alkali sector, grey cement and concrete and a leading player in life insurance, asset management and wealth.<h3>In India, the following businesses of the Group have a formidable presence:&nbsp;</h3><ul><li>Aditya Birla Capital Limited</li><li>Aditya Birla Chemicals Limited</li><li>Aditya Birla Fashion &amp; Retail Limited</li><li>Aditya Birla Global Trading</li><li>Aditya Birla Insulators</li><li>Aditya Birla Ventures</li><li>Aditya Birla New Age Hospitality</li><li>Birla Carbon</li><li>Birla Estates</li><li>Century Enka</li><li>Aditya Birla Real Estate</li><li>Century Pulp and Paper</li><li>Essel Mining &amp; IndustriesGrasim Industries Limited</li><li>Hindalco</li><li>Hindalco-Almex Aerospace</li><li>Jaya Shree Textiles</li><li>Birla Pivot</li><li>TMRW</li><li>UltraTech Cement</li><li>Utkal Alumina International</li><li>Vodafone Idea Limited</li><li>Applause Entertainment</li></ul>

India

Aditya Birla Sun Life Insurance Company Limited (ABSLI) is a part of Aditya Birla Capital Ltd (ABCL). ABSLI was incorporated on August 4, 2000 and commenced operations on January 17th, 2001. ABSLI is a 51:49 a joint venture between Aditya Birla Group and Sun Life Financial Inc., an international financial services organization in Canada.ABSLI offers a range of products across the customer’s life cycle, including children future plans, wealth protection plans, retirement and pension solutions, health plans, traditional term plans and Unit Linked Insurance Plans (ULIPs).As of June 2022, total AUM of ABSLI Stood at around Rs.606,604 million. ABSLI recorded a gross premium income of Rs.26,197 million in Q1 FY 2022-23 and registering a y-o-y growth of 49% in Gross Premium with Individual Business FYP at Rs.4090 Mn. ABSLI has a nation-wide distribution presence through 340+ branches, 8 bancassurance partners, over 49,000 direct selling agents, other Corporate Agents, and Brokers and through its website. The company has over 19,500 employees and more than 16 lakh active customers.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures. &nbsp;<h3>About Sun Life Financial Inc, Canada</h3>Sun Life is a leading international financial services organisation providing asset management, wealth, insurance and health solutions to individual and institutional clients. Sun Life has operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2022, Sun Life had total assets under management of $1.35 trillion. For more information, please visit <a target="_blank" rel="noopener noreferrer" href="http://www.sunlife.com/">www.sunlife.com</a>.Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.

Aditya Birla Sun Life Insurance (ABSLI)

Aditya Birla Health Insurance Co. Limited (ABHICL), a part of Aditya Birla Capital Ltd (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL was incorporated in 2015 wherein ABCL and Momentum Metropolitan Strategic Investments (Pty) Limited (Formerly known as MMI Strategic Investments (Pty) Ltd.) hold 51% and 49% shares respectively. ABHICL commenced its operations in October 2016 and is engaged in the business of health insurance. The company’s current product portfolio includes unique offerings including chronic care and incentivized wellness.In Q1 FY22, ABHICL recorded a gross written premium (GWP) of Rs.630 Crore and covered more than 22 million lives. ABHICL has nation-wide distribution presence in over 2800+ cities through branches and partner offices, 14 bancassurance partners and over 68,000 direct selling agents. ABHICL has scaled and diversified digitally enabled distribution through 28% agency growth with 131 branch locations, bancassurance available through 17,000+ branches, and 43 digital partners covering 6 mn+ lives through 50+ contextual bite-sized products.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures.

Aditya Birla Health Insurance Limited (ABHICL)

Launched in 2017, Aditya Birla Wellness' purpose is to proactively help individuals and families prioritize their health and help them lead fulfilling lives. Its approach is to create path breaking products that shift consumer mindset from sickness to wellness and reward a customer for each step towards well-being. aditya Birla Wellness has partnered with the MMl Holdings, South Africa, in creating the best health risk management products for the Indian market. Multiply Wellness, is India's first Digital Wellness and Rewards Program empowers and motivates individuals and families to prioritize their health from day 1. Aditya Birla Wellness is a pioneer in successfully designing and launching holistic digital wellness product category in the Indlian marketplace. A wellness ecosystem coupled with 1 year of unlocked financiaI rewards on a single digital app/platform is a first of its kind incentivized wellness innovation&nbsp;in&nbsp;the country.

Aditya Birla Wellness Pvt Limited

Aditya Birla Insurance Brokers Limited (ABIBL) is one of India's leading composite insurance brokers, licensed by the Insurance Regulatory and Development Authority of India (IRDAI).ABIBL specialises in providing integrated insurance broking and advisory services to companies and individuals by way of Retail Solutions and Corporate Solutions. ABIBL also offers re-insurance solutions to insurance companies and has developed strong relations with Indian as well as global insurers operating in India, South Asia, Middle East, and South-East Asia.Over the years ABIBL has built a robust technology infrastructure and operates within a very strong compliance and governance framework.Our aim is to simplify the complex world of insurance for our customers. Our focus is on delivering cost-effective and customized risk management, placement, and claims management solutions through a potent combination of experience and expertise.ABIBL is one of the few insurance broking companies in India to have been awarded the prestigious ISO 9001:2015 Certification for Quality Management Systems.ABIBL reported a revenue of Rs.190 Cr. and premium of approx. Rs.1707 Cr. in Q1 FY22.Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of Aditya Birla Group. ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures.

Aditya Birla Insurance Brokers Limited (ABIBL)

Established in 1994, Aditya Birla Sun Life AMC Limited (ABSLAMC) is co-owned and backed by Aditya Birla Capital Limited (ABCL) and Sun Life (India) AMC Investments Inc.ABSLAMC is primarily the investment manager of Aditya Birla Sun Life Mutual Fund, a registered trust under the Indian Trusts Act, 1882. ABSLAMC also operates multiple alternate strategies including Portfolio Management Services, Real Estate Investments and Alternative Investment Funds. ABSLAMC is one of the leading asset managers in India, servicing around 8.1 million investor folios with a pan India presence across 280 plus locations and a total AUM of over Rs.2,926 billion for the quarter ending June 30, 2022, under its suite of mutual fund (excluding our domestic FoFs), portfolio management services, offshore, and real estate offerings.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures. &nbsp;<h3>About Sun Life Financial Inc, Canada</h3>Sun Life is a leading international financial services organisation providing asset management, wealth, insurance, and health solutions to individual and institutional clients. Sun Life has operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2022, Sun Life had total assets under management of $1.35 trillion. For more information, please visit <a target="_blank" rel="noopener noreferrer" href="http://www.sunlife.com/">www.sunlife.com</a>.Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.

Aditya Birla Sun Life AMC Limited (ABSLAMC)

Aditya Birla Sun Life Pension Management Limited (ABSLPML) (formerly known as Birla Sun Life Pension Management Ltd.) was incorporated in 2015.ABSLPML is a wholly owned part of Aditya Birla Sun Life Insurance Company Limited (ABSLI) – the life insurance subsidiary of Aditya Birla Capital Ltd (ABCL).ABSLPML is registered with the Pension Fund Regulatory and Development Authority (PFRDA) to act as a:<ul><li>Pension Fund Manager (PFM) of the NPS Trust, for managing the pension funds under the National Pension System (NPS), in accordance with the applicable provisions and guidelines issued by PFRDA. ABSLPML commenced operations as a PFM on May 5, 2017.</li><li>Point of Presence (PoP) for the distribution and servicing of the public at large, through physical as well as online platforms, for NPS.</li></ul> ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures.

Aditya Birla Sun Life Pension Management Limited (ABSLPML) 

Aditya Birla Money Limited (ABML), a part of Aditya Birla Capital Limited, is listed on the BSE and the NSE.As a dynamic financial services provider, ABML offers a comprehensive array of solutions, including stock broking, portfolio management services, depository and e-insurance repository solutions, and distribution of diverse financial products.Its commitment to excellence is reflected in our robust online and offline service model, fortified by a formidable technological backbone, ensuring dedicated support for its customer base. With a widespread presence, its boasts a Pan India network comprising 31 branches and over 1000 franchisee outlets.ABML holds the prestigious status of being a registered Stock Broker with SEBI, and as a member of both BSE and NSE in equities and derivatives segments. Additionally, it is a licensed Portfolio Management Services (PMS) provider authorised by SEBI, offering top-notch portfolio management solutions.As a Depository Participant, ABML is associated with National Securities Depository Limited (NSDL) and the Central Depository Services (India) Limited (CDSL), underlining its commitment to secure and efficient depository services. It is also active member of the Multi Commodity Exchange of India Limited and the National Commodity &amp; Derivatives Exchange Limited, extending its expertise to commodity broking services.With SEBI licenses as a Research Analyst and an Investment Adviser, it prides itself on delivering informed and strategic financial insights to its clients. ABML is further recognised as a distributor with an ARN code issued by AMFI, solidifying its commitment to distributing financial products effectively.In the realm of insurance, ABML stands out as an E-Repository with CDSL, facilitating the electronic holding of insurance policies.

Aditya Birla Money Limited (ABML)

Aditya Birla Finance Limited (ABFL), a subsidiary of Aditya Birla Capital Limited (ABCL), 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 the RBI as a systemically important non-deposit accepting non-banking finance company (NBFC) and is amongst the top five largest private diversified NBFCs in India based on AUM.For the quarter ended 30th June 2022, ABFL has a lending book of Rs.578.39 billion and a net worth of Rs.102.01 billion. ABFL’s long-term credit rating of AAA (stable) has been reaffirmed by ICRA in February 2022. &nbsp;ABFL also has 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 &amp; India Ratings.ABFL caters to the varied needs of diverse set of customers ranging across retail, HNI, ultra HNI, micro enterprises, SME, mid and large corporates. ABFL offers customised solutions in areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets, and loan syndication. The company has also created a unique online financing platform, ABFLDirect.com that provides quick, convenient, and hassle-free services to retail and MSME customers.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures.

Aditya Birla Finance Limited (ABFL)

Aditya Birla Capital Limited (ABCL) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses of the Aditya Birla Group.Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles.Powered by over 59,000 employees, the businesses of ABCL have a nationwide reach with over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.As of December 31, 2024, Aditya Birla Capital Limited manages aggregate assets under management of over Rs. 5.03 Lakh Crore with a consolidated lending book of over Rs 1.46 Lakh Crore through its subsidiaries/JVs.&nbsp; &nbsp;<h3>Aditya Birla Capital Limited is the holding company of all the following financial services businesses:</h3><ul><li>Aditya Birla Health Insurance Limited</li><li>Aditya Birla Housing Finance Limited</li><li>Aditya Birla Insurance Brokers Limited</li><li>Aditya Birla Sun Life Asset Management Company</li><li>Aditya Birla Sun Life Insurance</li><li>Aditya Birla Sun Life Mutual Fund</li><li>Aditya Birla Sun Life Pension Management Limited</li><li>Aditya Birla Asset Reconstruction Company Limited&nbsp; &nbsp;</li></ul><h3>Products</h3><h4>Finance</h4><ul><li>Home finance</li><li>Personal finance</li><li>SME finance</li><li>Real estate finance</li><li>Project finance</li><li>Loan again securities</li><li>Corporate finance</li><li>Debt capital market</li><li>Loan syndication &nbsp;</li></ul><h4>Asset management</h4><ul><li>Mutual funds</li><li>Wealth</li><li>Stocks and securities</li><li>Private equity</li><li>PMS</li><li>Real estate investment</li><li>Pension funds &nbsp;</li></ul><h4>Insurance</h4><ul><li>Life insurance</li><li>Health insurance</li><li>Motor insurance</li><li>Corp general insurance</li><li>Travel insurance &nbsp;</li></ul><h4>Advisory</h4><ul><li>Money advise tool</li></ul>

Aditya Birla Capital Limited (ABCL)

Established in 1994, Aditya Birla Sun Life AMC Limited (ABSLAMC) is co-owned and backed by Aditya Birla Capital Limited (ABCL) and Sun Life (India) AMC Investments Inc.ABSLAMC is primarily the investment manager of Aditya Birla Sun Life Mutual Fund, a registered trust under the Indian Trusts Act, 1882. ABSLAMC also operates multiple alternate strategies including Portfolio Management Services, Real Estate Investments and Alternative Investment Funds. ABSLAMC is one of the leading asset managers in India, servicing around 8.1 million investor folios with a pan India presence across 280 plus locations and a total AUM of over Rs.2,926 billion for the quarter ending June 30, 2022, under its suite of mutual fund (excluding our domestic FoFs), portfolio management services, offshore, and real estate offerings.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures. &nbsp;About Sun Life Financial Inc, Canada Sun Life is a leading international financial services organisation providing asset management, wealth, insurance, and health solutions to individual and institutional clients. Sun Life has operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2022, Sun Life had total assets under management of $1.35 trillion. For more information, please visit <a target="_blank" rel="noopener noreferrer" href="http://www.sunlife.com/">www.sunlife.com</a>.Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.

Launched in 2017, Aditya Birla Wellness' purpose is to proactively help individuals and families prioritize their health and help them lead fulfilling lives. Its approach is to create path breaking products that shift consumer mindset from sickness to wellness and reward a customer for each step towards well-being. aditya Birla Wellness has partnered with the MMl Holdings, South Africa, in creating the best health risk management products for the Indian market.&nbsp;<h3>Multiply Wellness, is India's first Digital</h3>Wellness and Rewards Program empowers and motivates individuals and families to prioritize their health from day 1. Aditya Birla Wellness is a pioneer in successfully designing and launching holistic digital wellness product category in the Indlian marketplace. A wellness ecosystem coupled with 1 year of unlocked financiaI rewards on a single digital app/platform is a first of its kind incentivized wellness innovation&nbsp;in&nbsp;the country.

Aditya Birla Sun Life Insurance Company Limited (ABSLI) is a part of Aditya Birla Capital Ltd (ABCL). ABSLI was incorporated on August 4, 2000 and commenced operations on January 17th, 2001. ABSLI is a 51:49 a joint venture between Aditya Birla Group and Sun Life Financial Inc., an international financial services organization in Canada.ABSLI offers a range of products across the customer’s life cycle, including children future plans, wealth protection plans, retirement and pension solutions, health plans, traditional term plans and Unit Linked Insurance Plans (ULIPs).As of June 2022, total AUM of ABSLI Stood at around Rs.606,604 million. ABSLI recorded a gross premium income of Rs.26,197 million in Q1 FY 2022-23 and registering a y-o-y growth of 49% in Gross Premium with Individual Business FYP at Rs.4090 Mn. ABSLI has a nation-wide distribution presence through 340+ branches, 8 bancassurance partners, over 49,000 direct selling agents, other Corporate Agents, and Brokers and through its website. The company has over 19,500 employees and more than 16 lakh active customers.ABCL is the holding company for the financial services businesses of Aditya Birla Group. ABCL’s subsidiaries have a strong presence across Protecting, Investing and Financing solutions. ABCL is a universal financial solutions group catering to diverse needs of its customers across their life stages. Powered by more than 33,500 employees, the subsidiaries of ABCL have a nationwide reach with 1,094 branches and more than 2,00,000 agents, channel partners and several bank partners.As of June 30th, 2022, ABCL manages aggregate assets under management over Rs.3,550 billion, has a consolidated lending book of approx. Rs.699 billion, and an active customer base of over 39 million, through its subsidiaries and joint ventures. &nbsp;About Sun Life Financial Inc, CanadaSun Life is a leading international financial services organisation providing asset management, wealth, insurance and health solutions to individual and institutional clients. Sun Life has operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2022, Sun Life had total assets under management of $1.35 trillion. For more information, please visit <a target="_blank" rel="noopener noreferrer" href="http://www.sunlife.com/">www.sunlife.com</a>.Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.

Aditya Birla Capital Limited (ABCL) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses of the Aditya Birla Group.Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles.Powered by over 59,000 employees, the businesses of ABCL have a nationwide reach with over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.As of December 31, 2024, Aditya Birla Capital Limited manages aggregate assets under management of over Rs. 5.03 Lakh Crore with a consolidated lending book of over Rs 1.46 Lakh Crore through its subsidiaries/JVs.

Financial Services

Carbon Black

Cellulosic Fibre

Cement

Chemicals

Digital Platforms

Digital Ventures

Dining & Experiences

Entertainment

Fashion

Jewellery

Metals

Mining

Paints

Real Estate

Renewables

Telecom

Textiles

Trading

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Build a prosperous financial future with Aditya Birla Capital's innovative solutions, from retirement planning to diversified investments and comprehensive insurance coverage

A guide to financial well-being for 2024 with Aditya Birla Capital

When Madura Fashion & Lifestyle (MF&L) started its sustainability journey, it naturally decided to follow the Aditya Birla Group''s Sustainability Framework.