Aditya Birla Capital Aug-24

Regulation 30 of the SEBI Listing Regulations requires companies to disclose financial results and other important information to investors.

A presentation providing details about a company's financial performance for a specific period.

This refers to a specific period of time, for example, three months ending on 30 June.

A formal meeting where investors are provided with information about a company's performance.

A formal notification sent to investors and relevant regulatory bodies.

The official document outlining a company's financial performance for a specific time period.

A formal confirmation or reassurance.

A designated official responsible for managing a company's finances.

A business model where a company sells its products or services directly to consumers through online channels, without the need for intermediaries or physical stores.

A platform or system that allows customers to interact with a company through multiple channels, including digital, virtual, and physical branches.

A feature that provides a consolidated view of a customer's financial accounts, including bank accounts, deposits, loans, mutual funds, and stocks, on a single platform.

A platform that offers a wide range of financial products and services, including banking, insurance, and investment services.

An AI-powered chatbot and voice-search feature that enables customers to interact with the platform in a conversational and user-friendly way.

A feature that allows customers to see and interact with the same information as a customer service agent, providing a more transparent and collaborative experience.

A feature that allows customers to make payments from multiple accounts, including bank accounts, UPI, and international payments.

A feature that allows customers to receive payments through multiple modes, including UPI, bank transfers, and international payments.

A business strategy that aims to increase sales in both the premium and affordable segments by targeting customers seeking homes priced between ₹25 to ₹30 lakhs.

Leveraging the entire Aditya Birla Group ecosystem – across various business sectors – to support and amplify growth.

The company's unwavering commitment to becoming the top choice for customers by providing exceptional service, personalized solutions and a positive overall experience.

Digital tools and platforms are used to streamline customer onboarding and service processes for a more efficient and smooth experience.

A key focus on building a culture that proactively identifies and capitalizes on opportunities to serve customers better.

Providing customers with options to complete their loan applications either with assistance from the company's staff or independently through digital means.

A streamlined process for onboarding distributors, allowing them to get started easily and efficiently.

Using digital processes to significantly reduce processing time and increase face-to-face interaction with customers.

A financial services company providing loans and other financial products for Micro, Small and Medium Enterprises (MSMEs) in India.

Total value of all assets under management by a financial institution like Aditya Birla Finance.

The net interest income generated by a financial institution from its lending activities.

Profit before tax, representing the company's earnings before deducting taxes.

A financial ratio that measures a company's profitability relative to its assets.

A financial ratio that measures a company's profitability relative to its shareholder equity.

A growth strategy focused on expanding the financial services offered to small businesses.

Helping businesses transition from physical operations to online platforms.

Providing financial resources to businesses for various purposes like working capital, expansion, or supply chain management.

Products designed to meet the specific needs of Micro, Small and Medium Enterprises (MSMEs).

The percentage of customers who continue their insurance policy for a specific period.

The ratio of operating expenses to total premium earned.

The total value of assets managed by an insurance company.

The rate of growth in AUM over a two-year period.

A type of investment fund that focuses on generating income through fixed-income securities.

A type of investment fund that combines both debt and equity investments.

A type of investment fund that primarily invests in stocks.

The difference between the return on an investment fund and its benchmark.

The portion of an insurance company's revenue generated from new insurance policies sold during a period.

The portion of an insurance company's revenue generated from renewing existing insurance policies.

The total amount of premium collected from all sources, including new and renewed policies.

Expenses associated with operating an insurance company.

The portion of an insurance company's revenue that remains after paying for all expenses.

The ratio of profit to total premium earned.

Assets under management (AUM) represents the total market value of all the assets that a financial institution manages on behalf of its clients.

Systemic Transfer Plan (STP) is a way to automatically transfer money from a mutual fund to another one over time, often used for systematic investment.

Retail franchise refers to the network of financial advisors and distributors who sell financial products directly to individual customers.

Mutual fund closing assets under management (AUM) represents the market value of all the assets held in a particular mutual fund.

Passive investments involve buying and holding a basket of securities that tracks a specific market index, like the Nifty 50.

Alternative investments go beyond traditional stocks and bonds. They include assets like real estate, private equity, and hedge funds.

Financial products offered by a financial institution, like mutual funds, insurance, and loans, are diverse and cater to various customer needs.

A direct-to-consumer (D2C) channel allows customers to directly interact with a financial institution without intermediaries.

A strong risk management framework ensures that a financial institution is well-equipped to manage potential risks associated with its operations.

A key performance indicator (KPI) is a measurable value that helps assess progress toward a specific objective or goal.

Financial year premium (FYP) reflects the total premium collected by an insurance company during a financial year.

Net Value Benefit (VNB) is a metric that represents the profitability of an insurance company's new business.

An expense ratio indicates the percentage of assets that are spent on administrative and management costs.

A digital ecosystem refers to a network of interconnected digital platforms and services that work together to deliver a seamless customer experience.