Aditya Birla Capital Limited (ABCL) has announced that its wholly owned subsidiary, Aditya Birla Capital Digital Limited (ABCDL), has received in-principle authorisation from the Reserve Bank of India (RBI) to operate as an Online Payment Aggregator. The approval, dated August 20, 2025 and received on August 26, was granted under the Payment and Settlement Systems Act, 2007.
Role of the Subsidiary
With this authorisation, ABCDL will be able to provide digital payment aggregation services, enabling merchants and e-commerce platforms to accept and process online transactions. The move marks a strategic step in ABCL’s expansion into digital financial services, strengthening its presence in the fast-growing payments ecosystem.
Company Structure & Business Presence
Aditya Birla Capital Limited is a non-banking financial company (NBFC) and the financial services arm of the Aditya Birla Group. Through its subsidiaries, ABCL operates across a wide spectrum of businesses including:
- Aditya Birla Housing Finance Limited
- Aditya Birla Health Insurance
- Aditya Birla Sun Life Insurance
- Aditya Birla Insurance Brokers
- Asset Management and Pension Management businesses
These entities cover lending, insurance, asset management, advisory, and now digital payment services, creating a comprehensive financial ecosystem for both retail and institutional clients.
Recent Financial Performance
For the first quarter of FY26, ABCL reported a consolidated net profit of ₹835 crore, representing a 10% year-on-year growth. The company continues to perform strongly across its core businesses of lending, insurance, and investments, while digital initiatives like ABCDL’s payment aggregation services are expected to further drive growth in the coming years.
Summary
Aditya Birla Capital’s subsidiary, ABCDL, has secured RBI’s in-principle approval to operate as an Online Payment Aggregator. This authorisation will allow the company to facilitate digital payments for merchants and e-commerce platforms, marking a major step in its digital-first growth strategy. With a diversified portfolio spanning housing finance, health and life insurance, asset management, and advisory services, ABCL reported a strong ₹835 crore net profit in Q1 FY26, reflecting both financial stability and growth potential.
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