| Lending | Personal loans, business loans, unsecured and secured financing | Deep distribution network, strong credit underwriting, brand trust | Retail, MSMEs, corporate clients | Unsecured personal loans and high-net-worth customer financing | 14693 | 31 | Interest income, fees from lending products | Interest-based with competitive rates, some fees | Growing consumer credit demand, digital customer onboarding | Aditya Birla Finance (ABFL) |
| Housing Finance | Home loans, plot loans, construction finance, loans against property | Strong brand, growing branch network, focus on risk management | Retail home buyers and developers | Affordable and prime housing segments | 2564 | 5 | Interest income and loan processing fees | Interest rate based with tenure options | Affordable housing initiatives, urbanization, digitization | Aditya Birla Housing Finance (ABHFL) |
| Life Insurance | Term insurance, ULIPs, annuities, group and retail policies | Joint venture with Sun Life Financial, strong distribution network | Retail and group clients | Retail individual policies, ULIPs | 21964 | 46 | Premiums, investment income, policy fees | Premium-based with risk underwriting | Rising insurance penetration, digital sales, bancassurance | Aditya Birla Sun Life Insurance (ABSLI) |
| Asset Management | Mutual funds, PMS, AIFs, ETFs, alternative assets | Third largest fund house in India, strong brand recall | Retail and institutional investors | Equity mutual funds, alternative investment funds | 1982 | 4 | Asset management fees, performance fees | Fee-based mostly on AUM | Mutual fund penetration, SIP growth, digital platforms | Aditya Birla Sun Life AMC (ABSLAMC) |
| Health Insurance | Retail and group health insurance policies | Integrated health-first model with digital enabled services | Individuals, corporates | Retail health insurance segments | 4632 | 10 | Premiums from policyholders | Premium based | Growing health awareness, rising insured population | Aditya Birla Health Insurance (ABHI) |
| Stock and Securities Broking | Equity and derivative trading, commodity trading, depository services | Pan-India distribution, diversified product offerings | Retail and institutional investors | Equity brokerage | 450 | 1 | Brokerage fees, commission | Transaction-based fees | Market volatility, increased retail participation | Aditya Birla Money (ABML) |
| Other Financial Services | Private equity advisory, asset reconstruction services | Experienced management, regulatory approvals | Institutional investors, stressed asset buyers | Alternate investments | 818 | 2 | Management fees, service fees | Fee and performance-based | Increasing alternative asset investments, stressed asset opportunities | Aditya Birla PE Advisors, Aditya Birla ARC |
| General Insurance Broking | General insurance broking and risk management | N/A post divestment | Corporate and individual clients | N/A post divestment | 0 | 0 | Commission and fees | Commission-based | N/A post divestment | Aditya Birla Insurance Brokers (sold in 2024) |
