Chola Invest & Fin.
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Chola Invest & Fin. share price

Cholamandalam Investment and Finance Company Ltd.

NSE: CHOLAFIN BSE: 511243 SECTOR: Finance - NBFC  3.01 L   886   189

1725.70
+7.80 (0.45%)
BSE: 24 Jul 04:01 PM

Price Summary

Today's High

₹ 1741.6

Today's Low

₹ 1662.45

52 Week High

₹ 1874.65

52 Week Low

₹ 1299.8

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 147378.74 Cr.

Advances

₹ 217571.16 Cr.

No. of Shares

85.4 Cr.

P/E

28.24

P/B

4.9

Face Value

₹ 2

Div. Yield

0.12 %

Book Value (TTM)

₹  352.32

Operating Revenue

₹ 30981.74 Cr.

Net Profit

₹ 5219.59 Cr.

Promoter Holding

49.22 %

EPS (TTM)

₹  61.12

Sales Growth

20.34

ROE

19.51 %

ROCE

9.7%

Profit Growth

22.57 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 40Indices.

NIFTYNXT50

Nifty Next 50
71766
  -74.4499999999971 (-0.103632424351463%)

NIFTYNBFC

Nifty NBFC Index
57235.02
  -906.68 (-1.55943152676994%)

NIFTY100WEIGHT

Nifty100 Equal Weight
34264.1
  -78.9000000000015 (-0.229741140843842%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
31286.45
  -128.950000000001 (-0.410467477733856%)

NTYFIN2550

Nifty Financial Services 25/50
28351.4
  -56.25 (-0.198010043069385%)

FINNIFTY

Nifty Financial Services
25909.9
  -82.1499999999978 (-0.316058179327905%)

NIFTY100

Nifty 100
24840.75
  -91.75 (-0.367993582673221%)

NIFTY500

Nifty 500
22913.3
  -69.1000000000022 (-0.300664856585919%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18109.4
  -44.7999999999993 (-0.246774850998666%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
16419.45
  -37.5499999999993 (-0.228170383423465%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16213.3
  -45.1000000000004 (-0.277395069625552%)

NFTRURAL

Nifty Rural Index
15282.35
  -98.75 (-0.642021701958895%)

NIFTYCONGLOMERATE

Nifty Conglomerate 50
14713.7
  -96.25 (-0.64990091121172%)

NFT500EQUAL

Nifty 500 Equal Weight
14649.8
  -20.6500000000015 (-0.140759145084179%)

NIFTY200

Nifty 200
13762.4
  -43.4500000000007 (-0.314721657847949%)

NIFTYTOTALMCAP

NIFTY Total Market
12929.2
  -34.8999999999996 (-0.269204958307945%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

NIFTY100ESG

NIFTY100 ESG
4921
  -19.5500000000002 (-0.395704931637164%)

NIFTYHIGHBETA

Nifty High Beta 50
4317.25
  -14.4499999999998 (-0.333587275203728%)

NIFTY100ESGSECT

Nifty100 ESG Sector Leaders
3999.95
  -18.9000000000001 (-0.470283787650694%)

NIFTYFPI150

Nifty India FPI 150
1538.85
  -5.05000000000018 (-0.327093723686778%)

SNXT50

Bse Sensex Next 50
86103.63
  293.930000000008 (0.342537032526624%)

SNXN30

BSE Sensex Next 30
41289.42
  -245.459999999999 (-0.590973177242837%)

BSE500

Bse 500
35829.46
  -115.200000000004 (-0.32049266845201%)

SS6535

BSE Sensex Sixty 65:35
33329.39
  -163.760000000002 (-0.488935797319756%)

SNSX60

BSE Sensex Sixty
32232.38
  -152.02 (-0.469423549610304%)

BSE100

Bse 100
25372.53
  -80.3100000000013 (-0.315524711584247%)

BSEIND150

BSE India 150 Index
18374.91
  -58.2700000000004 (-0.316114745258278%)

200EQW

BSE 200 Equal Weight
13497.06
  -31.2600000000002 (-0.231070820323587%)

FINSER

BSE Financial Services
12361.34
  -26.6000000000004 (-0.214724966378599%)

BSE200

Bse 200
11144.69
  -38.5799999999999 (-0.34497959899028%)

BSE1000

Bse 1000
10722.97
  -29.5500000000011 (-0.274819298173834%)

LMI250

Bse 250 LargeMidCap Index
10612.28
  -35.2999999999993 (-0.331530732805008%)

S&P LARGEMIDCAP

Bse LargeMidCap
10319.66
  72.75 (0.709970127579918%)

ALLCAP

Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

LRGCAP

Bse LargeCap
9608.2
  -112.73 (-1.15966270716896%)

BSE100LARGECAPTMC

Bse 100 LargeCap TMC Index
8960.3
  -34.4900000000016 (-0.383444193805538%)

CARBONEX

Bse Carbonex
4344.48
  15.7799999999997 (0.364543627417002%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1644.44
  -3.70000000000005 (-0.224495491887833%)

ESG100

Bse 100 ESG Index
403.96
  -1.31 (-0.323241295926169%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year20.34%
3 Year34.42%
5 Year26.63%

Profit Growth

1 Year22.57%
3 Year25.1%
5 Year28.07%

ROE%

1 Year19.51%
3 Year19.92%
5 Year20.13%

ROCE %

1 Year9.7%
3 Year10.14%
5 Year9.89%

ROA%

2.3479

PEG Ratio

1.35

PAT Margin (%)

16.8473

EPS Growth(%)

20.964

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2026 49.22 0.00
Mar 2026 49.25 0.00
Dec 2025 49.72 0.00
Sep 2025 49.88 0.00
Jun 2025 49.90 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a healthy Return on Equity (ROE) track record of 19.9183666666667%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 34.4159104585575%.
  • The company has delivered substantial profit growth of 25.0972863017174% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 27.5904258582429%.

 Limitations

  • Provision and contingencies have increased by 43.0931320030787%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Operating Revenue 7025.05 7244.92 7469.58 7874.94 8392.3
Other Income 95.64 85.86 120.55 110.42 146.27
Interest Expended 3362.29 3466.25 3515.51 3643.02 3749.42
Operating Expenses 1988.75 2268.1 2443.51 2536.3 2580.75
Total Provisions 0 0 0 0 0
Depreciation 63.43 66.79 70.36 73.14 71.03
Profit Before Tax 1706.22 1529.64 1560.75 1732.9 2137.37
Tax 439.5 393.73 405.44 445.24 496.66
Net Profit 1266.72 1135.91 1155.31 1287.66 1640.71
Adjusted EPS (RS) 15.06 13.5 13.73 15.25 19.25

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Operating Income 10048.29 12757.04 18845.22 25745.57 30981.74
Other Income 92.05 222.62 373.39 315.5 467.24
Interest 4298.82 5748.75 9230.61 12484.85 14374.2
Operating Expenses 2030.37 2729.17 3967.97 5255.77 6421.67
Total Provisions 920.21 902.05 1437.93 2583.58 3692.45
Exceptional Items 0 0 0 0 0
Profit Before Tax 2890.94 3599.69 4582.1 5736.87 6960.66
Tax 744.23 933.49 1159.34 1478.34 1741.07
Profit After Tax 2146.71 2666.2 3422.76 4258.53 5219.59
Adjusted EPS (Rs.) 26.15 32.43 40.75 50.64 61.26

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity and Liabilities
Share Capital 164.28 164.48 168.06 168.25 170.48
Total Reserves 11543.4 14131.57 19388.45 23459.15 30233.54
Borrowings 65252.61 90633.62 86959.17 117839.19 133495.16
Other N/C liabilities -665.02 -603.99 52.26 39.89 -242.84
Current liabilities 5396.65 8581.33 49228.68 59194.39 80255.19
Total Liabilities 81691.92 112907.01 155796.62 200700.87 243911.53
Assets
Loans 74149.21 104748.32 144424.29 181929.9 217571.16
Net Block 254.44 398.6 1557.01 1771.81 1862.53
Capital WIP 23.03 35.74 0 3.69 18.29
Intangible WIP 13.95 24.6 12.45 7.22 14.5
Investments 2076.16 3620.02 4100.23 6390.39 6638.05
Other Loans 276.87 326.32 364.28 220.08 33.55
Other N/C Assets 0.13 8.13 2576.65 2951.46 5130.55
Current Assets 4898.13 3745.28 2761.71 7426.32 12642.9
Total Assets 81691.92 112907.01 155796.62 200700.87 243911.53
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2025% Sep 2025% Dec 2025% Mar 2026% Jun 2026%
promoters 49.90 49.88 49.72 49.25 49.22
a venkatachalam 0.02 0.02 0.06 0.06 0.06
a. keertika unnamalai 0.01 0.01 0.01 0.01 0.01
ambadi enterprises ltd 0.03 0.03 0.03 0.03 0.03
ambadi investments limite... - 4.01 4.00 3.96 3.96
ar lakshmi achi trust 0.06 0.06 0.06 0.06 0.06
arun alagappan 0.10 0.10 0.10 0.10 0.10
arun murugappan childrent... 0.02 0.02 0.02 0.02 0.02
arun venkatachalam 0.05 0.05 0.05 0.05 0.05
cholamandalam financial h... - 44.32 44.18 43.76 43.74
dhruv m arunachalam 0.01 0.01 0.01 0.01 0.01
k s shambhavi trust (m v ... 0.02 0.02 0.02 0.02 0.02
kanika subbiah 0.01 0.01 0.01 0.01 0.01
lakshmi chockalingam 0.02 0.02 0.01 0.01 0.01
lakshmi ramaswamy family ... 0.07 0.07 0.07 0.06 0.06
lalitha vellayan 0.02 0.02 0.02 0.02 0.02
m a alagappan holdings pr... 0.01 0.01 0.01 0.01 0.01
m a m arunachalam 0.02 0.02 0.02 0.02 0.02
m m murugappan family tru... 0.02 0.02 0.02 0.02 0.02
m m muthiah family trust ... 0.01 0.01 0.01 0.01 0.01
m m veerappan family trus... 0.01 0.01 0.01 0.01 0.01
m v muthiah family trust ... 0.03 0.03 0.03 0.03 0.03
m v seetha subbiah benefi... 0.03 0.03 0.03 0.03 0.03
m v subramanian family tr... 0.03 0.03 0.03 0.03 0.03
m.a.alagappan 0.30 0.30 0.29 0.29 0.29
m.a.alagappan (holds shar... 0.04 0.04 0.04 0.04 0.04
m.m.muthiah research foun... 0.02 0.02 0.02 0.02 0.02
ma murugappan holdings ll... 0.01 0.01 0.01 0.01 0.01
ma.alagappan grand childr... 0.02 0.02 0.02 0.02 0.02
meyyammai venkatachalam 0.01 0.01 0.01 0.01 0.01
murugappan arunachalam ch... 0.01 0.01 0.01 0.01 0.01
pranav alagappan 0.04 0.04 0.04 0.04 0.04
r.muthatha - - - - 0.01
saraswathi trust (m v sub... 0.09 0.09 0.09 0.09 0.09
shambho trust (m v subbia... 0.17 0.16 0.16 0.16 0.16
sigapi arunachalam 0.01 0.01 0.01 0.01 0.01
v arunachalam 0.03 0.03 0.05 0.05 0.05
v narayanan 0.03 0.03 0.05 0.05 0.05
v s bhairavi trust (m v s... 0.02 0.02 0.02 0.02 0.02
valli annamalai - - 0.04 0.03 0.03
valli subbiah benefit tru... 0.02 0.02 0.02 0.02 0.02
vedika meyyammai arunacha... 0.01 0.01 0.01 0.01 0.01
late. smt. umayal r - - - 0.01 -
umayal r 0.01 0.01 0.01 - -
a vellayan 0.02 0.02 - - -
m v ar meenakshi 0.10 0.10 - - -
ambadi investments limite... 4.01 - - - -
cholamandalam financial h... 44.33 - - - -
PARTICULARS Jun 2025% Sep 2025% Dec 2025% Mar 2026% Jun 2026%
investors 50.10 50.12 50.28 50.75 50.78
axis mutual fund trustee ... - - - - 1.98
government pension fund g... 1.09 1.12 1.06 1.05 1.38
hdfc trustee company ltd ... - - - - 1.22
icici prudential mutual f... - - - - 1.28
invesco india focused fun... - - - - 1.06
investor education and pr... - - 0.07 0.07 0.07
kotak mahindra trustee co... - - - - 1.39
nps trust a/c (through mu... - - - - 2.77
sbi nifty 500 index fund ... - - - - 2.01
axis mutual fund trustee ... - - - 1.78 -
hdfc trustee company ltd.... - - - 1.19 -
icici prudential (through... - - - 1.19 -
invesco india multi asset... - - - 1.60 -
kotak midcap fund (throug... - - - 1.61 -
new world fund inc 1.72 1.72 1.71 1.62 -
nps trust a/c - sbi pensi... - - - 2.71 -
sbi arbitrage opportuniti... - - - 1.79 -
axis mutual fund trustee ... 2.23 - 1.93 - -
invesco india business cy... - - 1.21 - -
kotak mahindra trustee co... - - 1.16 - -
motilal oswal bse 1000 in... - - 1.08 - -
nps trust a/c - sbi pensi... - - 2.56 - -
sbi nifty 500 index fund - - 1.22 - -
smallcap world fund, inc 1.29 1.29 1.07 - -
axis mutual fund trustee ... - 2.04 - - -
invesco india flexi cap f... - 1.20 - - -
motilal oswal flexi cap f... - 1.15 - - -
nps trust- a/c sbi pensio... 1.31 1.31 - - -
sbi nifty200 momentum 30 ... - 1.39 - - -
hdfc value fund 1.12 - - - -
invesco india elss tax sa... 1.01 - - - -
investor education and pr... 0.07 - - - -
motilal oswal nifty 500 e... 1.14 - - - -
sbi quant fund 1.50 - - - -

Annual Reports

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Chola Invest & Fin. Stock Price Analysis and Quick Research Report. Is Chola Invest & Fin. an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Chola Invest & Fin.. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Chola Invest & Fin. is Rs 5219.59 Cr. and the compounded growth of profit in the past 3 years is 25.0970061822623%. The PAT margin of Chola Invest & Fin. is 16.8473%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Chola Invest & Fin. , the EPS grew by 20.964% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Chola Invest & Fin. has a average ROE track record. The ROE of Chola Invest & Fin. is at 19.5123% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Chola Invest & Fin. is worth at the current levels at Rs 1724.4. Chola Invest & Fin. is trading at a current P/E ratio of 22.1004 and the average historical P/E for the last 5 years was 26.2887.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Chola Invest & Fin. is trading at a P/B of 4.89445028829118. The average historical P/B for the last 5 years was 4.7523. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Chola Invest & Fin. in Ticker for free. Also, one can get the intrinsic value of Chola Invest & Fin. by using Valuation Calculators, which are available with a Finology ONE subscription. 

Chola Invest & Fin. FAQs

Q1. What is Chola Invest & Fin. share price today?
Ans: The current share price of Chola Invest & Fin. is Rs 1724.4.

Q2. What is the market capitalisation of Chola Invest & Fin.?
Ans: Chola Invest & Fin. has a market capitalisation of Rs 147267.71680824 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Chola Invest & Fin.?
Ans: The PE ratio of Chola Invest & Fin. is 28.2144125187957 and the P/B ratio of Chola Invest & Fin. is 4.89445028829118, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Chola Invest & Fin. share?
Ans: The 52-week high share price of Chola Invest & Fin. is Rs 1875, and the 52-week low share price of Chola Invest & Fin. is Rs 1299.4.

Q5. Does Chola Invest & Fin. pay dividends?
Ans: Currently, Chola Invest & Fin. pays dividends. Dividend yield of Chola Invest & Fin. is around 0.1161%.

Q6. What are the face value and book value of Chola Invest & Fin. shares?
Ans: The face value of Chola Invest & Fin. shares is Rs 2, while the book value per share of Chola Invest & Fin. is around Rs 352.3174. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Chola Invest & Fin.?
Ans: The ROE of Chola Invest & Fin. is 19.5123% and ROCE of Chola Invest & Fin. is 9.7011%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Chola Invest & Fin. a good buy for the long term?
Ans: The Chola Invest & Fin. long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Chola Invest & Fin. undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Chola Invest & Fin. appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Chola Invest & Fin.’s financials?
Ans: You can review Chola Invest & Fin.’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Chola Invest & Fin.

Cholamandalam Investment and Finance Company: Business Overview & Financial Analysis

Cholamandalam Investment and Finance Company Limited (CIFCL) is one of India's leading non-banking financial companies (NBFCs) and the flagship financial services company of the Murugappa Group. The company provides a diversified portfolio of lending products, including vehicle finance, loan against property (LAP), home loans, SME finance, consumer loans, business loans and gold loans. With an extensive branch network across urban, semi-urban and rural India, Cholamandalam has built a strong presence in retail and commercial lending while maintaining a diversified loan portfolio.

Cholamandalam Business Segment and AUM Mix (FY2025-26)

Cholamandalam's assets under management (AUM) are well diversified, with vehicle finance continuing to be the company's largest lending segment.

  • Vehicle Finance – 49.3% of total Assets Under Management (AUM)
  • Loan Against Property (LAP) – 21.6%
  • Home Loans – 9.3%
  • Consumer and Small Enterprise Loans (CSEL) – 6.2%
  • Small and Medium Enterprise (SME) Loans – 3.8%
  • Secured Business and Personal Loans (SBPL) – 1.5%
  • Total Assets Under Management – Rs 2,42,630 crore

Vehicle finance remains the core business for Cholamandalam, while the growing contribution from LAP, home loans and SME lending has strengthened portfolio diversification and supported higher yields.

Cholamandalam Disbursement Performance (FY2025-26)

The company recorded healthy loan disbursement growth across multiple lending segments during the financial year.

  • Total Loan Disbursements – Rs 1,11,642 crore (+10.7% YoY)
  • Vehicle Finance – Rs 62,123 crore
  • Loan Against Property – Rs 20,459 crore
  • Consumer & Small Enterprise Loans – Rs 10,249 crore
  • Home Loans – Rs 7,363 crore
  • SME Loans – Rs 7,312 crore
  • Gold Loans – Rs 2,469 crore

Growth was driven by strong demand for vehicle finance, secured lending and small business credit, while expansion into non-vehicle lending helped improve portfolio diversification.

Cholamandalam Financial Performance (FY2025-26)

Cholamandalam delivered another year of strong earnings supported by healthy loan growth, improving asset quality and disciplined cost management.

  • Standalone Total Net Income – Rs 17,071 crore (+26.0% YoY)
  • Standalone Profit After Tax (PAT) – Rs 5,220 crore (+23.0% YoY)
  • Return on Equity (ROE) – 19.74%
  • Return on Assets (ROA) – 3.30%
  • Final Dividend – Rs 0.70 per share (Face value Rs 2)

The company's profitability improved as loan growth remained strong across key products, while healthy returns reflected efficient capital utilisation and prudent risk management.

Cholamandalam Latest Quarterly Performance (Q4 FY2025-26)

The March quarter reflected strong earnings growth along with continued expansion in lending activity.

  • Quarterly Net Income – Rs 4,789 crore (+27.0% YoY)
  • Quarterly Profit After Tax (PAT) – Rs 1,641 crore (+30.0% YoY)
  • Quarterly Loan Disbursements – Rs 32,913 crore (+25.0% YoY)
  • Return on Assets (PBT ROA) – 3.80%
  • Annualised Return on Equity – 22.95%

Higher disbursements, better collections and an improving loan mix supported another strong quarter for Cholamandalam.

Cholamandalam Asset Quality (As of March 31, 2026)

The company's asset quality continued to improve with lower non-performing assets and stronger collection efficiency.

  • Gross NPA (GNPA) – 4.36%
  • Net NPA (NNPA) – 2.87%
  • Stage 3 Assets – 3.05%
  • Provision Coverage – Fully compliant with regulatory norms

Improving asset quality reflects stronger recoveries and disciplined underwriting across vehicle finance and other lending businesses.

Cholamandalam Branch Network and Liquidity Position (As of March 31, 2026)

Cholamandalam continues expanding its physical distribution network while maintaining a strong liquidity profile.

  • Branch Network – 1,761 branches
  • Gold Loan Branches – 119
  • Cash and Liquidity Buffer – Rs 20,692 crore
  • High Quality Liquid Assets (HQLA) – Rs 6,080.94 crore
  • Total Available Liquidity Including Sanctioned Lines – Rs 21,186 crore

Its extensive branch network supports customer acquisition across smaller towns and rural markets, while strong liquidity provides flexibility to support future loan growth.

Cholamandalam Consolidated Performance (FY2025-26)

The consolidated business also benefited from steady growth across lending and insurance operations.

  • Consolidated Revenue – Rs 39,576 crore (+18.0% YoY)
  • Consolidated Profit After Tax – Rs 5,485 crore (+16.0% YoY)
  • Q4 Consolidated Revenue – Rs 10,520 crore (+17.0% YoY)
  • Q4 Consolidated Net Profit – Rs 1,626 crore (+19.0% YoY)
  • Chola MS Insurance Gross Written Premium – Rs 9,110 crore (+6.0% YoY)
  • Chola MS Insurance Investment Book – Rs 19,013 crore

Growth in the lending business remained the primary earnings driver, while Chola MS Insurance continued expanding its premium base and investment portfolio.

Cholamandalam Management Outlook (Q4 FY2025-26)

Management remains focused on profitable growth while maintaining strong asset quality and disciplined capital allocation.

  • Continued improvement is expected in asset quality and credit costs.
  • Expansion planned for small-ticket loan against property products in Tier-3 and Tier-4 markets.
  • Cautious approach towards the two-wheeler finance business.
  • Continued strengthening of insurance reserves at Chola MS.
  • Planned transition to Ind AS accounting standards by April 2027.
  • Leadership changes approved, including the appointment of a new Chief Financial Officer.
  • Strong asset-liability management to support future business growth.

Cholamandalam expects its diversified lending portfolio, improving asset quality and extensive distribution network to support sustainable long-term growth.

Citations

[1] Cholamandalam Investment and Finance Company Limited Audited Financial Results (April 30, 2026).
[2] Cholamandalam Financial Holdings Q4 FY26 Earnings Call Transcript (May 8, 2026).
[3] Cholamandalam Investor Presentation FY2025-26.
[4] Axis Direct Research Report – Cholamandalam Investment and Finance Company Limited.

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Disclaimer
The information presented above on Cholamandalam has been compiled from the company's Annual Reports, Investor Presentations, Earnings Call (Concall) Transcripts, official regulatory filings and the financial data available on Finology Ticker. Certain figures, classifications or comparisons may vary due to differences in accounting policies, reporting methodologies or subsequent restatements by the company. This content is intended solely for informational purposes and should not be considered as investment advice. Investors are advised to refer to the latest company filings and the updated financial data, ratios and disclosures available on the Finology Ticker Cholamandalam page before making any investment decision.

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