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Cholamandalam Investment & Finance Co. Ltd. engages in the provision of financial services. The company is headquartered in Chennai, Tamil Nadu and currently employs 13,248 full-time employees. The firm offers vehicle finance, home loans, loans against property, small and medium enterprises (SME) loans, consumer and small enterprise loans, secured business and personal loans, insurance agency, mutual fund distribution and a variety of other financial services to customers. Its segments include Vehicle Finance, Loan against property, Home Loans and Other loans. The Vehicle Finance Loans segment provides loans to customers against the purchase of new/used vehicles, tractors, construction equipment and loans to automobile dealers. Loan against property segment provides loans to customers against immovable property. The Home Loans segment provides loans for the acquisition of residential property. Its Other loans segment offers loans against shares and other unsecured loans. Its subsidiaries include Cholamandalam Securities Limited and Cholamandalam Home Finance Limited.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹28,403 Cr on total income of ₹28,869 Cr.
Cost-to-income ratio at 22.0%. Provision coverage at 0.0% of income.
“AUM growth remains steady at 20% at the end of this quarter.”
“We anticipate Q4 to reflect improved performance in line with past trends. Q4 will be better than Q3 in overall disbursement”
“NCL can come down definitely below 5% in next financial year”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 17.2%▲ | 2.8% |
| ROCE | 9.3%▲ | 4.2% |
| Net Margin | 18.1%▲ | 11.9% |
| EBITDA Margin | 68.6%▲ | 29.0% |
| Debt To Equity | 6.96x▲ | 0.09x |
| Rev Growth 3yr | 34.0%▲ | 12.2% |
| EPS Growth 3yr | 23.7%▲ | 12.6% |
| Cost To Income | 22.0%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
Historical valuation data not available.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹31,073 Cr +20.2% | ₹25,846 Cr +35.0% | ₹19,140 Cr +48.6% | ₹12,884 Cr +27.1% | ₹10,141 Cr +5.9% | ₹9,579 Cr +10.0% | ₹8,712 Cr +22.9% | ₹7,088 Cr | |
| ₹466 Cr +51.8% | ₹307 Cr +9.5% | ₹280 Cr +26.5% | ₹221 Cr +143.2% | ₹91 Cr | ₹4 Cr +606.5% | ₹0.62 Cr -97.1% | ₹21 Cr | |
| Total Income | ₹31,539 Cr +20.6% | ₹26,153 Cr +34.7% | ₹19,420 Cr +48.2% | ₹13,106 Cr +28.1% | ₹10,232 Cr +6.8% | ₹9,584 Cr +10.0% | ₹8,713 Cr +22.6% | ₹7,109 Cr |
| ₹24,566 Cr +20.4% | ₹20,411 Cr +37.8% | ₹14,815 Cr +56.1% | ₹9,491 Cr +29.6% | ₹7,324 Cr -2.8% | ₹7,536 Cr +5.8% | ₹7,124 Cr +35.0% | ₹5,277 Cr | |
| Profit Before Tax | ₹6,973 Cr +21.5% | ₹5,741 Cr +24.7% | ₹4,605 Cr +27.4% | ₹3,615 Cr +24.3% | ₹2,908 Cr +42.0% | ₹2,048 Cr +28.9% | ₹1,588 Cr -13.3% | ₹1,832 Cr |
| ₹1,744 Cr +17.7% | ₹1,481 Cr +24.0% | ₹1,195 Cr +27.4% | ₹938 Cr +25.3% | ₹749 Cr +42.2% | ₹527 Cr -1.4% | ₹534 Cr -15.8% | ₹635 Cr | |
| Net Profit | ₹5,233 Cr +22.8% | ₹4,263 Cr +24.6% | ₹3,420 Cr +28.3% | ₹2,665 Cr +23.7% | ₹2,154 Cr +41.6% | ₹1,521 Cr +44.3% | ₹1,054 Cr -11.9% | ₹1,197 Cr |
| Profit (Owners) | ₹5,233 Cr +22.8% | ₹4,263 Cr +24.6% | ₹3,420 Cr +28.3% | ₹2,665 Cr +23.7% | ₹2,154 Cr +41.6% | ₹1,521 Cr +44.3% | ₹1,054 Cr -11.8% | ₹1,195 Cr |
| Other Comprehensive Income | ₹173 Cr ↑ Recovery | (₹141 Cr) -99.4% | (₹71 Cr) ↓ Decline | ₹24 Cr -82.5% | ₹136 Cr ↑ Recovery | (₹29 Cr) +58.1% | (₹70 Cr) | (₹2 Cr) |
| EPS | ₹61.90 | ₹50.69 | ₹40.72 | ₹32.42 | ₹26.23 | ₹18.55 | ₹12.86 | ₹15.29 |
| Diluted Shares | ₹85 Cr | ₹84 Cr | ₹84 Cr | ₹82 Cr | ₹82 Cr | ₹82 Cr | ₹82 Cr | ₹78 Cr |
| Fees And Commission Income | ₹2,114 Cr +21.6% | ₹1,739 Cr +29.6% | ₹1,342 Cr +106.3% | ₹651 Cr +37.7% | ₹473 Cr +75.4% | ₹269 Cr +8.3% | ₹249 Cr | ₹0.00 Cr |
| Profit Or Loss Of Associates | ₹4 Cr +38.1% | ₹3 Cr -71.0% | ₹9 Cr ↑ Recovery | (₹12 Cr) -119.7% | (₹5 Cr) -915.1% | (₹0.53 Cr) -26.2% | (₹0.42 Cr) -20.0% | (₹0.35 Cr) |
| Net Gain On Amortised Derecognition | ₹439 Cr +176.1% | ₹159 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr -100.0% | ₹247 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹3,536 Cr +41.8% | ₹2,494 Cr +89.3% | ₹1,318 Cr +55.1% | ₹850 Cr -3.5% | ₹880 Cr -33.4% | ₹1,322 Cr +47.3% | ₹897 Cr | ₹0.00 Cr |
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Link of Recording
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 28, 2026
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Investor Presentation
Cholamandalam Investment and Finance Company Limited has informed the Exchange about approval for issuance of Securities
Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 9910 shares pursuant to exercise of ESOPs on July 20, 2026
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Schedule of meet
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30 June, 2026
Cholamandalam Financial Holdings Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) and 31 (5) of the Securities and Exchange Board of India (Substantial Acquisition of ...
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding 'Convening of 48th Annual General Meeting'.
Cholamandalam Investment and Finance Company Limited has informed the Exchange that Record date for the purpose of Dividend is 21-Jul-2026.
Cholamandalam Investment and Finance Company Limited has informed the Exchange that Board of Directors at its meeting held on April 30, 2026, recommended Final Dividend of Rs. 0.70 per equity share.
Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
Cholamandalam Investment and Finance Company Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Rumour Verification - Regulation 30(11)