Empowering Bharat with Simplified & Intelligent Finance

Aditya Birla Capital believes financial empowerment can shape a brighter future for millions across India and beyond. As the financial services arm of the Aditya Birla Group, it offers a diverse range of services including payments, lending, investments & insurance through a trusted network of subsidiaries and joint ventures. Committed to delivering meaningful impact at scale, Aditya Birla Capital serves retail, high net-worth individuals, small and medium enterprises, and corporate clients across India and internationally.

Through the ABCD App, which is the omnichannel digital arm of Aditya Birla Capital, a financial super-platform with 26+ products and services across insurance, investments, lending and financial management, it aims to make finance simple and financially empower individuals and communities. Aditya Birla Capital has adopted a radical approach to artificial intelligence that transcends traditional models and embraces frontier thinking. Rather than confining AI to isolated tasks, the company has woven intelligence into the very fabric of its customer facing interactions. On the ABCD App, The SimpliFi digital assistant, powered by generative AI, reimagines financial engagement. It anticipates user needs, delivers hyper-personalized nudges, and tailored financial guidance while ensuring a seamless transition between digital and human touchpoints. Beyond retrieval-augmented generation; it leverages agentic intelligence to proactively guide users through financial journeys, predict their aspirations, and empower them to take control of their futures.

AI-led innovation is embedded across every function at Aditya Birla Capital, from customer engagement to operational efficiency. Teams operate with agility, leveraging a semantic Kernel based Agentic Solution developed on Azure using advanced technologies like Azure OpenAI, AI Search, Azure Kubernetes Services, Cosmos DB, and API Management. Governance is robust yet adaptive, ensuring that every innovation aligns with strategic growth and ethical stewardship. The result is a culture where experimentation thrives, and every breakthrough is harnessed for real-world impact.

The outcomes speak for themselves. Embracing Ai has helped unlock faster efficiencies in delivery and accelerated personalisation and innovation. The early shoots in higher customer engagement show an encouraging result, with the ABCD App having 7.6+ million users already onboarded and a bold vision to reach 30 million in three years. Speed to market has accelerated, enabling rapid deployment of new features and services.

Through the strategic application of human-centered AI and visionary leadership, the organization is redefining what it means to lead in an era of intelligent possibilities. By combining innovation with purpose, empathy, scale, and agility, Aditya Birla Capital is creating a future where intelligent technologies thereby simplifying finance for Bharat, making money management effortless, inclusive, and built for improve lives and fulfilling dreams for every Indian.