Aditya Birla Money Q2FY27: Profit up 7.4%, costs surge

Key takeaways from the quarter

Aditya Birla Money reported a year-on-year rise in profit for the quarter ended September 30, 2026 (Q2FY27), even as costs climbed sharply. Net profit (PAT) was reported at ₹108.93 crore, up 7.4% from ₹101.46 crore a year ago. Revenue growth was stronger than profit growth, with total revenue from operations up 29.3% year-on-year to ₹1,376.95 crore.

The quarter stood out for a steep jump in finance costs, which increased 53.8% year-on-year to ₹461.25 crore. Total expenses rose 31.8% to ₹1,224.59 crore, outpacing revenue growth in a way that pressured margins. The operating margin declined to 11.21% from 13.34% in the corresponding quarter last year, while the net profit margin fell to 7.91% from 9.53%.

What the company reported in Q2FY27

The revenue mix highlighted growth in both interest income and fee-based income. Interest income increased 30.3% year-on-year to ₹784.52 crore compared with ₹602.25 crore in Q2FY26. Fees and commission income also rose 18.9% to ₹469.85 crore versus ₹395.23 crore.

Despite this expansion, profitability moved up at a slower pace. Profit before tax (PBT) came in at ₹154.29 crore, up 8.6% from ₹142.10 crore. Earnings per share (basic) rose to ₹1.93 from ₹1.80, a 7.2% increase.

Costs were the swing factor

Finance costs were the single biggest cost line highlighted, rising 53.8% year-on-year to ₹461.25 crore. The article also noted a 41.6% increase in employee benefits expense and a 41.9% rise in other expenses, adding to pressure on operating leverage.

This cost profile explains the divergence flagged between revenue growth and profit growth. While total revenue expanded 29.3% year-on-year, net profit rose only 7.4%. The reported decline in operating margin to 11.21% and net profit margin to 7.91% captured the combined impact of higher borrowing costs and expense growth.

Q2FY27 financial snapshot (as reported)

Board approvals and reporting timeline

The company’s disclosures referenced board consideration and approval of financial results for the quarter and half-year ended September 30, 2026. A board meeting intimation stated the board would meet on October 14, 2026, to approve the Q2 and half-year FY27 results. The board meeting outcome referenced approval on October 14.

A note on unit differences in published summaries

The provided text also included summaries that presented the same quarter’s profit and revenue in smaller figures. For example, one line stated net profit rose to ₹1,089.31 lakh for Q2FY27, which corresponds to ₹10.89 crore, and another section showed “Net Profit 10” and “Revenue 137” without clarifying the unit in that snippet. Separately, the detailed metric table in the same material reported PAT at ₹108.93 crore and revenue from operations at ₹1,376.95 crore.

These differences matter for readers because they can affect like-for-like comparisons. The figures reproduced in the table above are taken from the detailed metric table included in the provided content, while the alternate summaries are also mentioned here exactly as they appeared.

How this links to the FY26 annual operating revenue

Alongside the quarterly update, the material also cited annual performance for the financial year ended March 31, 2026. Revenue from operations for FY26 was reported at ₹468.59 crore compared with ₹453.15 crore in the previous year, an increase of 3.41%.

This annual comparison provides a broader backdrop: the FY26 operating revenue increase was modest in percentage terms, while Q2FY27 showed a much sharper year-on-year rise in revenue from operations (29.3%) as per the quarterly metric table.

What investors typically watch from here

The quarter’s numbers put the focus on cost of funds and expense control, given the sharp rise in finance costs and the reported margin compression. At the same time, interest income and fees and commission income both grew year-on-year, indicating higher activity in the company’s core revenue lines.

The next set of official updates investors may track are subsequent quarterly disclosures and any further board filings, especially to reconcile headline summaries with detailed tables when multiple unit formats appear in market feeds.

Conclusion

Aditya Birla Money reported higher Q2FY27 revenue from operations and a 7.4% year-on-year rise in PAT, but finance costs and overall expenses grew faster, leading to lower operating and net margins. The company’s board approved the un-audited results on October 14, 2026, following a meeting intimation issued on October 5, 2026.