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Cholamandalam Financial Holdings Ltd. engages in the provision of investment services. The company is headquartered in Chennai, Tamil Nadu and currently employs 14,400 full-time employees. The company operates through two segments: Financing, and Insurance. The Company, through its subsidiaries, Cholamandalam Investment and Finance Company Limited (CIFCL), is engaged in non-banking financial business; Cholamandalam MS General Insurance Company Limited (CMSGICL), is engaged in general insurance business, and Cholamandalam MS Risk Services Limited (CMSRSL), is engaged in risk management and engineering solutions business. CIFCL is a financial service provider, which offers vehicle finance, home loans and loans against property to a range of its customers. CMSGICL offers a range of insurance, including motor, travel, health, accident, home, and other types of insurance for its customers. CMSRSL is engaged in providing risk management and engineering solutions in the field of safety, health, and environment.
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“Operates in Diversified & Holding Companies.”
₹39,073 Cr revenue.
COGS 0.0%, employees 12.0%.
“Return on equity not annualized at 6.2%, solvency at 2.112 times”
“We certainly expect to get closer to those levels [16-18% ROE band]”
“by H2, we would certainly want this number to at least come down by about five percentage points for H2”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 15.8%▲ | 5.6% |
| ROCE | 8.2%▲ | 5.6% |
| Net Margin | 6.2%▼ | 7.0% |
| EBITDA Margin | 55.7%▲ | 22.4% |
| Debt To Equity | 13.61x▲ | 0.09x |
| Rev Growth 3yr | 29.1%▲ | 13.3% |
| EPS Growth 3yr | 23.7%▲ | 10.4% |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹39,176 Cr +18.3% | ₹33,125 Cr +28.4% | ₹25,804 Cr +42.2% | ₹18,146 Cr +23.9% | ₹14,644 Cr +5.3% | ₹13,900 Cr +5.8% | ₹13,135 Cr +20.2% | ₹10,926 Cr | |
| ₹503 Cr +50.3% | ₹335 Cr +18.1% | ₹283 Cr +23.1% | ₹230 Cr +151.7% | ₹91 Cr | ₹5 Cr +361.2% | ₹1 Cr -95.1% | ₹21 Cr | |
| Total Income | ₹39,679 Cr +18.6% | ₹33,460 Cr +28.3% | ₹26,087 Cr +42.0% | ₹18,376 Cr +24.7% | ₹14,735 Cr +6.0% | ₹13,905 Cr +5.9% | ₹13,136 Cr +20.0% | ₹10,947 Cr |
| ₹32,353 Cr +19.6% | ₹27,060 Cr +29.6% | ₹20,887 Cr +43.5% | ₹14,552 Cr +24.5% | ₹11,691 Cr +1.6% | ₹11,505 Cr +1.5% | ₹11,330 Cr +28.6% | ₹8,812 Cr | |
| Profit Before Tax | ₹7,326 Cr +14.5% | ₹6,400 Cr +23.1% | ₹5,200 Cr +36.0% | ₹3,824 Cr +25.7% | ₹3,044 Cr +26.8% | ₹2,400 Cr +32.9% | ₹1,806 Cr -15.4% | ₹2,135 Cr |
| ₹1,848 Cr +11.0% | ₹1,666 Cr +22.3% | ₹1,361 Cr +35.3% | ₹1,006 Cr +25.6% | ₹801 Cr +25.9% | ₹636 Cr -0.9% | ₹642 Cr -11.0% | ₹721 Cr | |
| Net Profit | ₹5,485 Cr +15.7% | ₹4,740 Cr +23.1% | ₹3,851 Cr +37.0% | ₹2,810 Cr +25.5% | ₹2,239 Cr +26.9% | ₹1,764 Cr +51.4% | ₹1,165 Cr -17.7% | ₹1,415 Cr |
| Profit (Owners) | ₹2,441 Cr +12.3% | ₹2,174 Cr +22.6% | ₹1,773 Cr +37.4% | ₹1,290 Cr +26.1% | ₹1,023 Cr +24.1% | ₹825 Cr +40.0% | ₹589 Cr -15.5% | ₹697 Cr |
| Minority Interest | ₹3,044 Cr +18.6% | ₹2,566 Cr +23.5% | ₹2,078 Cr +36.8% | ₹1,519 Cr +24.9% | ₹1,216 Cr +29.5% | ₹940 Cr +63.1% | ₹576 Cr -19.8% | ₹718 Cr |
| Other Comprehensive Income | ₹11 Cr -83.7% | ₹67 Cr +25.7% | ₹53 Cr ↑ Recovery | (₹134 Cr) ↓ Decline | ₹87 Cr ↑ Recovery | (₹64 Cr) +8.9% | (₹71 Cr) | (₹3 Cr) |
| EPS | ₹130.01 | ₹115.76 | ₹94.39 | ₹68.71 | ₹54.49 | ₹43.93 | ₹27.61 | ₹37.12 |
| Diluted Shares | ₹19 Cr | ₹19 Cr | ₹19 Cr | ₹19 Cr | ₹19 Cr | ₹19 Cr | ₹19 Cr | ₹19 Cr |
| Fees And Commission Income | ₹2,328 Cr +17.9% | ₹1,974 Cr +25.9% | ₹1,567 Cr +51.4% | ₹1,035 Cr +29.3% | ₹801 Cr +49.3% | ₹536 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Profit Or Loss Of Associates | ₹7 Cr +23.1% | ₹6 Cr -51.2% | ₹12 Cr ↑ Recovery | (₹9 Cr) -202.8% | (₹3 Cr) ↓ Decline | ₹0.32 Cr -74.8% | ₹1 Cr +14.4% | ₹1 Cr |
| Net Loss On Fair Value Changes | ₹103 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 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 | ₹3,542 Cr +44.4% | ₹2,452 Cr +87.4% | ₹1,309 Cr +55.8% | ₹840 Cr +0.5% | ₹836 Cr -41.7% | ₹1,433 Cr +21.7% | ₹1,178 Cr | ₹0.00 Cr |
Cholamandalam Financial Holdings Limited has informed the Exchange about Schedule of meet
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Business Responsibility and Sustainability Report for FY 2025-2026
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 14, 2026
Cholamandalam Financial Holdings Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Cholamandalam Financial Holdings Limited has informed the Exchange about Copy of Newspaper Publication with regard to convening of 77th Annual General Meeting.
Cholamandalam Financial Holdings Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Cholamandalam Financial Holdings Limited has informed the Exchange about Transcript
Cholamandalam Financial Holdings Limited has informed the Exchange about audio recording of investor meet
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Appointment of Mr Shyam Shankar as Manager of the company w.e.f. Jun 15, 2026.
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Appointment of Mr Shyam Shankar as Chief Financial Officer of the company w.e.f. Jun 15, 2026.
Cholamandalam Financial Holdings Limited has informed the Exchange about Retirement of Manager
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Resignation of Mr N Ganesh as Chief Financial Officer of the company w.e.f. Jun 15, 2026.
Cholamandalam Financial Holdings Limited has informed the Exchange regarding a press release dated May 08, 2026, titled "Press Release Audited Financial Results of the Company for the year ended 31st ...
Cholamandalam Financial Holdings Limited has informed the Exchange that Record date for the purpose of Dividend is 07-Aug-2026.
Cholamandalam Financial Holdings Limited has informed the Exchange about Investor Presentation