Aditya Birla Finance Limited

Aditya Birla Finance Limited ("ABFL") is among the leading well-diversified financial services company in India offering end-to-end lending and wealth management solutions to a diversified range of customers across the country. ABFL is registered with RBI as a systemically important non-deposit accepting non-banking finance company ("NBFC") and ranks among the top five largest private diversified NBFCs in India based on AUM as of March 31st, 2017 (source: CRISIL).For the financial year 2017-18, the loan book has reached Rs. 432 billion. Along with its growth, ABFL has maintained healthy asset quality with GNPA at 0.92% on 90 DPD as of March 31st 2018. This is reflected in its long term credit rating of AAA (Stable outlook) by India Ratings and AA+ (Stable outlook) by ICRA, Perpetual debt credit rating of AA+ (Stable outlook) by India Ratings and AA by ICRA (Stable outlook) and short term credit rating of A1+ by India Ratings & ICRA.Aditya Birla Capital Limited (''ABCL''), the holding company, is a Universal Financial Solutions provider and one of the largest financial services players in India. It is committed to serving the end-to-end financial needs of its retail and corporate customers under a unified brand - Aditya Birla Capital. Delivering a wide range of money solutions for protecting, investing, financing and advising, Aditya Birla Capital serves millions of customers across the country.Apart from NBFC, ABCL has a significant presence across several business sectors including housing finance, life insurance, asset management, health insurance, private equity, general insurance broking, wealth management, broking, online personal finance management and pension fund management.Aditya Birla Capital, through its subsidiaries and joint ventures, manages aggregate assets worth Rs. 3,053 billion and has a lending book of Rs. 514 billion as of March 31st, 2018.