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                              Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
 
                                Nationwide Branches
1,482 
                                No. of Employees
59,000 
                                Agents/Channel Partners
2,00,000+ 
                                Aggregate Assets
INR 3,550 Billion 
                                Active Customer Base
39 Million 
                                Consolidated Lending Book
INR 699 Billion Home Loan
Home Loan
                  Find customised home loan solutions for your unique needs
 Balance Transfer
Balance Transfer
                  Find a better interest rate for your existing home loan
 Top up Home Loan
Top up Home Loan
                  Get a loan on your existing home loan to meet your needs
 Loan Against Property
Loan Against Property
                  Turn your assets into a financial ally
 
                         
                         
                         
                         Personal Loan
Personal Loan
                  Meet all your dreams and needs with a collateral-free Personal Loan
 Flexi Loan
Flexi Loan
                  Make loan repayment flexible and hassle-free with Flexi Loans
 Instant Personal Loan
Instant Personal Loan
                  Get quick funds with Aditya Birla Capital Instant Personal Loan
 Long Term Personal Loan
Long Term Personal Loan
                  Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
 Personal Loan Eligibility
Personal Loan Eligibility
                  Check your Aditya Birla Capital Personal Loan eligibility
 Personal Loan Interest Rates
Personal Loan Interest Rates
                  Enjoy low personal loan interest rates for affordable repayments
 
                         
                        Are you eligible for a Personal Loan? Find out now!
Calculate Now 
                         Secured Business Loan
Secured Business Loan
                  Boost your business with competitive rates & flexible terms
 Line Of Credit
Line Of Credit
                  Get anytime funds, quick approval, & ongoing support with Line of Credit
 Working Capital Demand Loan
Working Capital Demand Loan
                  Strengthen your business cash flow with quick access to funds & flexible repayment options
 Supply chain financing Solution - Invoice Discounting
Supply chain financing Solution - Invoice Discounting
                  Improve your cash flow & gain quick access to funds by discounting your invoices
 Unsecured Business Loan
Unsecured Business Loan
                  Fuel your business with fast approval & flexible terms
 
                         Construction Finance
Construction Finance
                  Our solutions with Flexible funding, project requirements to drive construction forward.
 Commercial Property Purchase
Commercial Property Purchase
                  Turn your property vision into reality with flexible terms and competitive interest rates.
 Lease Rental Discounting
Lease Rental Discounting
                  Supporting real estate businesses in project completion
 
                        Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOW Loan Against Shares
Loan Against Shares
                  Leverage your investments with Loan Against Shares, while retaining ownership of your assets
 Loan Against Mutual Funds
Loan Against Mutual Funds
                  Unlock the value of your investments while keeping your assets intact
 Loan Against Life insurance Policy
Loan Against Life insurance Policy
                  Get loans for all your business needs at attractive rates
 IPO financing
IPO financing
                  Seize investment opportunities with IPO Financing to help you invest with ease.
 Promoter Funding
Promoter Funding
                  Empower your business growth with financial solutions to support expansion & ownership
 Project Finance
Project Finance
                  Turn your ideas into reality with flexible funding to support your vision from start to finish
 Structured Finance
Structured Finance
                  Unlock customized financial solutions designed to meet the unique needs of complex business projects
 Working Capital Demand Loan
Working Capital Demand Loan
                  Keep your business running smoothly with quick access to funds for day-to-day operations
 Term Loan
Term Loan
                  Achieve your business goals with flexible repayment options & competitive rates for long-term growth
 Debt Funds
Debt Funds
                Diversify your portfolio and reduce risk with Debt Funds
 Equity Funds
Equity Funds
                Invest smartly in Equity Funds to aim for higher returns
 Hybrid Funds
Hybrid Funds
                Diversify your portfolio and reduce your risk with a mix of equity and debt
 Retirement Funds
Retirement Funds
                Goal-oriented fund with a lock-in period to create a corpus for retirement
 Children’s Funds
Children’s Funds
                Secure your child’s financial future with solutions-oriented children’s funds
 Exchange Traded Funds
Exchange Traded Funds
                Unlock a smart, hassle-free way to invest in various assets
 Fund Of Funds
Fund Of Funds
                Choose the smart way to diversify risks and grow investments
 Index Funds
Index Funds
                Follow the benchmark of smart investors to grow your wealth
 
                       
                      Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate Now 
                       
                       
                       Equity Trading
Equity Trading
                Invest or trade in equity for attractive returns and long-term capital growth
 Margin Trading Facility
Margin Trading Facility
                Get up to 5X leverage on leading stocks & increase your trading power
 Bonds
Bonds
                Give your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
 
                       
                       Term Insurance
Term Insurance
                Bring security and peace to life’s unpredictability
 Retirement Plans
Retirement Plans
                Get a guaranteed regular pension plus lump sum on plan maturity
 Savings Plans
Savings Plans
                Get a guaranteed regular pension plus lump sum on plan maturity
 ULIP Plans
ULIP Plans
                Get the benefits of insurance & wealth creation in one convenient plan
 
                      Find out how much life insurance you need with our Human Life calculator
Calculate Now 
                       
                       Eye Insurance
Eye Insurance
                Protect your vision with comprehensive eye insurance.
 Dental Insurance
Dental Insurance
                Protect your smile with comprehensive dental insurance and coverage plans tailored for you.
 Hospicash Insurance
Hospicash Insurance
                Get financial support with our hospital cash insurance for unexpected medical expenses.
 Mental Health & Nutrition Insurance
Mental Health & Nutrition Insurance
                Get the best mental health insurance online with ABCD Aditya Birla Capital today!
 Personal Accident Insurance
Personal Accident Insurance
                Secure your future with our affordable personal accident insurance plans.
 
                       
                       Pay Bills
Pay Bills
                Utility bill payments made easy with BillPay
 Pay for Anything
Pay for Anything
                Shopping grocery, lifestyle or paying bills, pay anything with our payment solutions
 Pay Anyone
Pay Anyone
                Sending money to individuals and businesses made easy and instant
 Pay on Call
Pay on Call
                Pay on call in 3 simple steps by providing your UPI ID
 
                       
                       Aditya Birla Capital Limited
Aditya Birla Capital Limited
              Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
 
                Nationwide Branches
1,482 
                No. of Employees
59,000 
                Agents/Channel Partners
2,00,000+ 
                Aggregate Assets
INR 3,550 Billion 
                Active Customer Base
39 Million 
                Consolidated Lending Book
INR 699 BillionCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Calculate the expected EMI of your loan for easier repayments
It measure your leanness or obesity basis your height and the weight.
Calculate the tax payable by you based on your income
Estimate the returns you can earn with your SIP investments
Calculate the Life Insurance cover you need to secure your family’s future
 Life Insurance
Life Insurance
                  
                 Health Insurance
Health Insurance
                  
                 Home Finance
Home Finance
                  
                 Personal Finance
Personal Finance
                  
                A performance review is more than a formal assessment or evaluation; it is a strategic moment to build stronger workplace relationships, and set the stage for long-term career growth. With the right preparation, your year end performance review can turn into a tool for negotiation, self-reflection, and future planning.
Managers appreciate employees that take initiative, and discussing your achievements, challenges, and future goals positions you as a committed team player who aligns with the organization's long-term vision.
Are you prepared to turn your end of year review into a springboard for growth? Find out how performance reviews drive clarity, and reveal actionable strategies to help you progress in your career.
Approaching performance reviews as a partnership rather than an evaluation, employees and managers can build stronger relationships that lead to a more supportive, collaborative, and motivated workplace culture.
As an employee, you can make the most of this end of year review by:
10 essential strategies to optimize your year-end performance review
By organizing your thoughts, and setting clear goals, you take control of your professional narrative, and position yourself for career advancement. Here are 10 smart ways to optimize your year end performance review.
Build a Solid Foundation with Self-Assessment
A successful end of year review begins with preparation and reflecting on your achievements, challenges, and areas for growth. Think about a project where you truly excelled. Have you encountered a work scenario that helped you build a new skill? Strong self-assessment boosts confidence and positions you better for promotions, raises, and greater professional opportunities within the organization.
Keep a Record of Key Milestones
Big promotions come from small, consistent wins. Documenting milestones like exceeding targets, resolving critical issues, or acquiring new skills, ensures you have concrete examples to showcase your impact. Highlight your achievements by creating a well-documented list that strengthens your case for promotions and career advancement.
Connect Your Contributions to Organizational Goals
Optimize your year end performance review by aligning your achievements with the organization’s vision for success. For instance, if cost reduction is a goal, emphasize how you helped cut expenses. If customer experience is a priority, share how you improved service. Proactively aligning with organizational objectives showcases your strategic mindset and leadership potential.
Embrace Feedback with a Growth Mindset
Constructive feedback helps you stay on track and become aware of where there is scope for growth and improvement. If a mentor suggests improving presentation skills, or advises better time management, implementing their feedback shows commitment to improvement. By acting on constructive insights, you demonstrate a proactive approach, making your end of year review more impactful.
Discuss Your Career Goals
Discussing both short- and long-term goals demonstrates ambition and strategic thinking. Short-term goals demonstrate immediate contributions, while long-term aspirations show vision and commitment. Bringing both into your review helps managers see your value beyond just past performance, increasing your chances of career progression and recognition.
Practice Articulating Your Strengths
Knowing your strengths and effectively communicating them makes end of year reviews more strategic. It helps managers understand your value, align future opportunities, and identify areas where you can grow further. By confidently discussing your strengths, you demonstrate self-awareness, initiative, and readiness to take on greater challenges within the organization.
Set Measurable Objectives for the Future
Streamline your career trajectory within the organization by discussing future projects and growth opportunities with your manager. Understanding their expectations and sharing your interests will help you develop a clear roadmap for the next few months, ensuring a structured plan for success. This also showcases your commitment to contributing meaningfully to the organization.
Discuss Growth & Compensation
Compensation discussions should be tied to your impact. Emphasize how your work has contributed to company success, whether through efficiency improvements, revenue growth, or leadership. A well-prepared conversation ensures you’re recognized and fairly compensated for your skills, dedication, and performance.
Maintain a Professional and Positive Attitude
A positive attitude during your performance review can help you set the right tone to secure new opportunities, promotions, or career growth discussions. A professional, open-minded approach leaves a strong impression and sets the stage for future success.
Turn Feedback into a Career Growth Plan
Transforming feedback into growth requires planning and accountability. Instead of seeing it as criticism, break it into actionable steps, whether upskilling, improving communication, or taking on leadership roles. Developing a clear action plan based on feedback helps you demonstrate progress in your next review and accelerates your career development.
Approaching your end of year review with strategic preparation and a growth mindset ensures that you maximize opportunities. By actively engaging in the process, you position yourself for promotions, skill-building, and greater impact, benefiting both your professional journey and the company’s long-term success.
At Aditya Birla Capital, performance reviews are more than just evaluations - they are stepping stones to success. We invest in our people, offering structured feedback, career development, and a supportive culture. Ready to grow with us? Visit our careers page to explore job openings and take your career forward.
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