PAditya Birla Housing Finance LimitedExecutive Cockpit

CEO — Enterprise 360

Growth, business-unit performance, operations, customers and strategic signals across the Pavion platform.

Aditya Birla Housing Finance Limited · FY24 (modeled)
Top 10 Indian Housing Finance Companies by AUM
1,200 employees · 0+ US sites · 1 countries
Executive read· the answer, then the moves

Revenue of $6000M is growing 30.5%, but the equity re-rate hinges on revenue quality: recurring mix sits at 9% against the 45% target. Convert the $17M weighted pipeline and $13M of cross-sell whitespace into annuity revenue.

8 of 8 headline metrics improving vs prior · still off target: Revenue $6.00B vs $7.50B, Recurring Fee Income $125M vs $140M, Recurring Mix 9.1% vs 10.0%

Do now — ranked by urgency
  1. 1
    Close the recurring-mix gap to 45%Watch
    Why it matters

    Lifting recurring mix from 9% to 45% reframes ≈ $2154M of revenue as higher-multiple annuity — the swing that re-rates the platform.

    What's driving it
    • Recurring mix 9% vs 45% target
    • Revenue growth 30.5%
    FYI
    • $13M cross-sell whitespace across top accounts
    • Owner: CEO / CRO
  2. 2
    South India region margin driftWatch
    Why it matters

    Accelerate ISC ERP/SOC cutover; rebalance project mix toward recurring.

    What's driving it
    • Region GM
    • Signal: Alert
    FYI

    South India GM 200bps below plan amid RFI/ISC integration drag.

  3. 3
    Convert the weighted pipeline — lead with Lucknow Collections Team — multi-region DC security + Risk Analytics SuiteOpportunity
    Why it matters

    Lucknow Collections Team — multi-region DC security + Risk Analytics Suite (Security + Monitoring) carries $11.49M at 60% — the largest single mover in the $17M weighted book.

    What's driving it
    • Top pursuit $11.49M @ 60% · Proposal
    • 6 active pursuits
    FYI
    • Weighted pipeline $17M
    • Signal-driven items sourced from news/EDGAR adapters
  4. 4
    Lucknow Collections Team expansion → $12.5M opportunityOpportunity
    Why it matters

    Prioritize solution design; align certified-tech coverage in new metros.

    What's driving it
    • Pipeline
    • Signal: Alert
    FYI

    News signal converted to qualified, credit-cleared multi-region pursuit.

Revenue
$6.00B
▲ 30.4% vs priorTarget $7.50B
Revenue Growth YoY
30.5%
▲ 51.7% vs priorTarget 25.0%
EBITDA Margin
24.7%
▲ 6.9% vs priorTarget 25.0%
Recurring Fee Income
$125M
▲ 13.6% vs priorTarget $140M
Recurring Mix
9.1%
▲ 7.1% vs priorTarget 10.0%
Book-to-Bill Ratio
1.1x
▲ 3.7% vs priorTarget 1.2x
Rule of 40 Score
51
▲ 21.4% vs priorTarget 45
Net Promoter Score
52
▲ 8.3% vs priorTarget 60
Trailing 12 months

Revenue & EBITDA

Monthly revenue (bars) and adjusted EBITDA (line), $M.

Mix

Revenue by Business Unit

Home Loans45%
Loans Against Property35%
Construction Finance20%
Recurring revenue mix 40% · target 45%
Pipeline

Growth opportunities

Weighted pursuits — signal-driven items sourced from news/EDGAR adapters.

OpportunitySolutionStageProb.Value
signalLucknow Collections Team — multi-region DC security + Risk Analytics SuiteSecurity + MonitoringProposal60%$11.49M
signalA. Sharma — hub perimeter + video analyticsSecurityQualify45%$7.72M
Kaiser — nurse call + RTLS refreshIntegrationProposal50%$5.7M
UPS — fire + mass notification bundleFire SafetyQualify40%$4.32M
signalAlign — mfg expansion AV + accessIntegration + SecurityDevelop48%$2.85M
signalS. Kumar — Security cross-sell (11 sites)Security + Risk Analytics SuiteDevelop55%$1.29M
Revenue by vertical

Industry mix

Outside-in

External signals

News + EDGAR adapter feed linked to accounts, suppliers and competitors.

SourceSignalEntityTypeMaterialityImplication
NewsLucknow Collections Team announces new US cloud regionsLucknow Collections TeamExpansionHigh→ multi-region DC security opportunity
EDGARA. Sharma 10-K: elevated hub-automation capexA. SharmaCapexHigh→ perimeter + analytics pull-through
NewsS. Kumar expanding data-center footprintS. KumarNewFacilityMedium→ cross-sell 11 fire-only sites
EDGARRetail Home Buyers (Gomti Nagar) filings show continued store closuresRetail Home Buyers (Gomti Nagar)DistressMedium→ churn + credit watch
NewsHanwha flags component lead-time pressureNational Housing BankSupplyMedium→ supplier risk, dual-source 2 SKUs
NewsCompetitor acquires regional fire integratorCompetitorM&AMedium→ defend South India accounts
Segments

Business-unit performance

Fire Safety · Security · Integration.

Home Loans
$324.45M
14% growth
34%
GM
14.89%
EBITDA
44%
Recurring

Retail home loan origination and servicing for salaried and self-employed borrowers pan-India.

Loans Against Property
$252.76M
9% growth
35%
GM
14.25%
EBITDA
46%
Recurring

Secured lending to individuals and SMEs using residential/commercial property as collateral.

Construction Finance
$144.3M
18% growth
30%
GM
10.85%
EBITDA
24%
Recurring

Project-based lending to developers for residential and mixed-use construction.

Geography

Regional health

West India13 sites · $164.52M
North India12 sites · $151.65M
South India13 sites · $140.62M
Central India12 sites · $123.16M
East India10 sites · $112.13M
Pan-India7 sites · $29.41M
Service & compliance

Operational excellence

Installed-base health, SLAs and code compliance across the monitored estate.

Monitored Devices
412,000
Open Critical Deficiencies
11
target 0
Inspection On-Time
93%
target 98%
Sites Compliance-At-Risk
7
target 0
Mean Time To Repair
6.4h
target 4
Technician Utilization
71%
target 78%
Accounts

Customer 360 & cross-sell whitespace

Top accounts with value, retention, score and untapped cross-sell.

AccountTierIndustryRevenueARRNRRWhitespaceScoreChurn
A. SharmaGlobalLease Rental Discounting$17.1M$4.04M108%$1.93M
89
Low
Lucknow Collections TeamGlobalAffordable Housing$14.8M$4.78M119%$2.94M
92
Low
S. KumarGlobalRetail Mortgages$13.05M$2.85M112%$1.29M
87
Low
M. GuptaGlobalUrban Home Finance$11.86M$3.49M104%$1.65M
81
Medium
UPSNationalLease Rental Discounting$10.39M$2.67M106%$1.47M
84
Low
IBMGlobalAffordable Housing$8.92M$2.39M101%$1.01M
78
Medium
Developers (Construction Finance)NationalUrban Home Finance$6.62M$1.75M105%$1.19M
79
Medium
Retail Home Buyers (Gomti Nagar)NationalRetail$5.88M$1.56M97%$0.55M
64
High
SME Owners (Jaipur)NationalAffordable Housing$5.33M$1.93M110%$0.83M
86
Low
Merchant Partners via BharatPeNationalSelf-Employed Lending$3.77M$1.1M100%$0.37M
72
Medium