CHOLAFIN · Cholamandalam Investment and Finance Company Ltd · Consumer Financial Services
CHOLAFIN · Cholamandalam Investment and Finance Company Ltd · Consumer Financial Services
As of 06 Nov close
52-week range
8.6% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 16 Oct 2026
Revenue (latest Q)
₹8,645 Cr
Revenue YoY
PAT YoY
+45.6%
Operating margin
Revenue, last 5 quarters
P/E (TTM)
P/B
4.4
P/S (TTM)
Not available from data source
Sector P/E
Not available from data source
Dividend yield
+0.1%
Source: Yahoo Finance, as of 29 Oct 2026
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| CHOLAFIN (this stock) | 22 | 4.4 | +17.9% | +18.9% | 6.93 | +0.1% |
| Bajaj Finance * | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance * | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Tata Capital * | 28.7 | 3.3 | +17.0% | +11.8% | 5.15 | +0.2% |
* Net margin, ROE, D/E and dividend yield for these companies come from RedixFi fundamentals; the data vendor had no values for them.
Promoter
stable
FII
falling 3q
MF
15.14% (+0.16pp)
rising 2q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowthehindubusinessline.com· 16 Jul 2026, 07:41 amStocks to watch: These 15 companies will be in focus on Thursday
Concalls & investor presentations
AI-generatedKey takeaway: Cholamandalam Investment and Finance Company Limited reported strong growth in its Q1 FY27 earnings, with aggregate disbursements reaching INR29,612 crores, a 22% increase year-on-year. The company's assets under management (AUM) grew 23% to INR2,54,392 crores, driven by robust performance across all major business segments. The vehicle finance sector saw a 21% rise in disbursements, while the MSME portfolio grew 6% and consumer segment disbursements surged 52%. Management noted improvements in net interest margins and credit costs, with a return on assets (ROA) of 3.7% and return on equity (ROE) of 21.2%. The capital adequacy ratio stood at 19.81%, providing a solid foundation for future growth. Despite some concerns regarding asset quality, management expressed confidence in maintaining growth momentum and managing credit costs effectively. The company also highlighted its ongoing branch expansion strategy, particularly in the gold loan segment, aiming to enhance market penetration.
Management emphasized strong growth and positive performance across various business segments.
Sourced from an exchange-filed transcript, dated 04 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for Cholamandalam Investment and Finance Company Limited for the quarter ended June 30, 2026, reported a 22% growth in disbursements to Rs. 29,612 crore compared to the previous year. The company's assets under management (AUM) reached Rs. 2,33,586 crore, also reflecting a 22% increase. Profit before tax (PBT) grew by 45% to Rs. 2,220 crore, with a return on equity of 21.2%, up from 18.8% in the prior year. The presentation highlighted a diversified product portfolio across vehicle finance, MSME loans, and consumer loans, with significant growth in each segment. The company maintained a strong liquidity position with cash balances of Rs. 22,765 crore. Additionally, the presentation outlined the company's commitment to risk management and governance, emphasizing a robust framework for credit and operational risks.
Management highlighted strong growth metrics and a solid financial position.
Sourced from an exchange-filed presentation, dated 28 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Investment and Finance Company Limited reported a 25% year-on-year growth in aggregate disbursements for Q4 FY '26, totaling INR32,913 crores, with assets under management (AUM) increasing by 21% to INR2,42,630 crores. The Vehicle Finance segment saw a 26% growth, while the MSME segment recorded an 11% increase in disbursements. The Consumer segment achieved a 45% growth, driven by a new Gold Loan business. Management noted a mild moderation in home loan disbursements due to procedural delays. Profitability indicators improved, with net interest margins rising by 40 basis points year-on-year. The company maintained a strong liquidity position and proposed a final dividend of INR0.70 per share. Management set a goal of 20% to 23% growth for the upcoming financial year, with a focus on improving credit costs and asset quality across segments.
Management highlighted strong growth and improved profitability metrics.
Sourced from an exchange-filed transcript, dated 11 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for Cholamandalam Investment and Finance Company Limited for the quarter and year ended March 31, 2026, reported significant growth in disbursements and assets under management (AUM). Disbursements increased by 25% year-over-year in Q4 FY26 to Rs. 32,913 crore, while AUM grew by 21% to Rs. 2,24,334 crore. The presentation highlighted improvements in profitability, with profit before tax (PBT) rising by 25% in Q4 FY26 to Rs. 2,137 crore. The company also reported a net interest margin (NIM) improvement to 8.4% in Q4 FY26. However, the gross non-performing assets (GNPA) ratio increased to 4.36% from 3.97% year-over-year. The presentation detailed the company's diversified product portfolio and geographical presence, with 1,761 branches across India, primarily in tier-III to tier-VI towns. Management emphasized a focus on sustainable growth and risk management practices.
The presentation highlighted both growth achievements and challenges in asset quality.
Sourced from an exchange-filed presentation, dated 30 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: During the earnings call for the quarter ended December 31, 2025, management reported aggregate disbursements of INR 29,962 crores, reflecting a 16% year-on-year growth, and an AUM of INR 227,770 crores, with a steady growth rate of 20%. Vehicle finance disbursements increased by 17% year-on-year, supported by industry momentum and a reduction in GST rates. The LAP, home loans, and SBPL segments also showed strong growth, with disbursement increases of 26%, 10%, and 30% year-on-year, respectively. Management noted improved credit costs and stable operating expenses, with a ROA of 3.2% and ROE of 19.11%. The company maintained a strong liquidity position with total liquid assets of INR 18,857 crores. An interim dividend of 65% was approved by the Board. Management expressed confidence in continued growth and improvement in asset quality, particularly in vehicle finance and CSEL segments.
Management highlighted strong growth across multiple segments and improved credit metrics.
Sourced from an exchange-filed transcript, dated 09 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedCholamandalam Investment and Finance Company Limited (CHOLAFIN) reported no significant regulatory orders or material changes affecting its financial position in FY2025-26. The company maintained compliance with statutory dues, including GST, provident fund, and income tax, with no arrears exceeding six months. It has no defaults in loan repayments or wilful defaulter status. The auditor confirmed the adequacy of internal financial controls and compliance with Ind AS. The company's subsidiaries, including Cholamandalam Securities Limited (CSEC), showed resilience with a gross income of ₹92.54 crores and a profit before tax of ₹10.80 crores. The company emphasized its commitment to corporate governance, ESG initiatives, and transparency in financial reporting.
- No significant regulatory orders or material financial changes impacting operations.
- No defaults in loan repayments or wilful defaulter status.
- Compliance with statutory dues, including GST, provident fund, and income tax, with no arrears exceeding six months.
- Auditor confirmed adequacy of internal financial controls and compliance with Ind AS.
- Subsidiary CSEC achieved ₹92.54 crores gross income and ₹10.80 crores profit before tax.
Key takeaway: Cholamandalam Investment and Finance Company Limited (CHOLAFIN) maintained strong compliance, no defaults, and stable operations in FY2025-26, with resilient subsidiary performance and robust internal controls.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Default / Covenant Breach (4 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceOlder (3+ years ago)
The statutory auditors of the Company resigned during the year, citing RBI guidelines issued on April 27, 2021. The auditors did not raise any issues, objections, or concerns in their resignation letter.
Default / Covenant Breach
4 occurrencesRecent (last 12 months)
The company had tax, duty of customs, cess, and other material statutory dues in arrears as of 31 March 2026 for more than six months from the date they became payable.
Earlier (1-3 years ago)
The company has instances of delays or defaults in repayment of principal and/or interest on loans, for which necessary provisions have been recognised in accordance with Ind AS and RBI guidelines.
As of 31 March 2023, the company has 10 pending cases under the Insolvency and Bankruptcy Code, 2016, amounting to ₹49.65 crores.
Older (3+ years ago)
The company has a total amount of 3,48,118 lakhs overdue for more than ninety days as of March 31, 2022, in respect of loans/ advances in nature of loans.
Routine disclosures
Contingent Liability
5 occurrencesRecent (last 12 months)
The company has loans/advances not repaid by borrowers as per stipulations, with details in note 9, 9.2 of the Standalone Ind AS Financial Statements.
Earlier (1-3 years ago)
The company has contested claims not provided for, including income tax and interest on tax issues where the company has won appeals but the Department is further appealing, and sales tax issues pending before appellate authorities.
The company has contested claims not provided for, including income tax, sales tax, service tax & GST issues pending before appellate authorities, and disputed claims against the company under litigation. The company estimates no significant liabilities are expected to arise from these, but future cash outflows depend on pending judgments.
The company has exposure to litigations relating to various tax matters as of March 31, 2023, as detailed in Note 38(a) of the standalone financial statements.
Older (3+ years ago)
The company has exposure to litigations relating to various tax matters as of March 31, 2022, which are considered contingent liabilities.
Related-Party Transaction
5 occurrencesRecent (last 12 months)
The company has disclosed related-party transactions including rental income, loans given, and interest income received from entities such as Cholamandalam Securities Limited, Payswiff Technologies Private Limited, Zetwerk Manufacturing Business Private Limited, and EID Parry (India) Limited, as well as interest expenses related to debentures from Cholamandalam MS General Insurance Company Limited and the promoter group.
Earlier (1-3 years ago)
The company has disclosed related-party transactions with entities such as Cholamandalam Securities Limited, Payswi$ Technologies Private Limited, Promotors/Promotor group, Chola Business Services Limited, Finance Industry Development Council, AMM Foundation, Chola Foundation, Zetwerk Manufacturing Businesses Private Limited, Medall Healthcare Private Limited, EID Parry (India) Limited, Paytail Commerce Private Limited, Parry Agro Industries Limited, Parry enterprises India Limited, Tube Investments of India Limited, TI Clean Mobility Private Limited, CG Power and Industrial Solutions Limited, Cholamandalam MS General Insurance Company Limited, and Cholamandalam Leasing Limited.
Parry Agro Industries Limited has transactions with related parties including Parry Enterprises India Limited, EID Parry India Limited, and Cholamandalam MS General Insurance Company Limited, among others, involving advances, rental deposits, rent and maintenance, sale of property, plant and equipment, and other receivables/payables.
The company has transactions with related parties including Paytail Commerce Private Limited, Cholamandalam MS General Insurance Company Limited, and others, as disclosed in the financial statements.
Older (3+ years ago)
The Company has entered into transactions with related parties in compliance with Sections 177 and 188 of the Act. The details of such related party transactions have been disclosed in the financial statements as required under Indian Accounting Standard 24.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
0.48% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).