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Cholamandalam Financial Holdings Ltd.

1,349.10−16.65 (−1.22%)

BSE · 30 Oct, 4:01 PM

: ₹25,387.51 Cr
: 9.51
: 6,486
: ₹1,361.90 - ₹1,332.25
: ₹2,061.45 - ₹1,237.55

Cholamandalam Financial Holdings Ltd. (CHOLAHLDNG) share price closed at ₹1,349.10 on the BSE on Friday, October 30, 2026, down by 1.22% from its of ₹1,365.75. In that session CHOLAHLDNG reached a of 1,361.90 and of 1,332.25. The for the session was 1,353.18. The stands at 1,440.64 and is at 1,564.41. Looking at , the stock ended the session in Downtrend.

Stock Overview

₹1,356.10

₹1,365.75

₹1,353.18

₹1,440.64

Price 6.35% below

₹1,564.41

Price 13.76% below

Key Fundamentals

: 25,387.51 Cr₹25.39 Thousand Crore
: 142.12
: 9.51
: 1.49
: 910.39
: 23,298.24 Cr₹23.30 Thousand Crore
: 0.10 %
Sector
Industry: Finance - Investment
: 39.52
: 13.74

Industry Comparison

Ratio	Company	Sector
	9.51	19.05
	13.74	0.27
	1.49	1.34
	0.24	1.67
	0.10 %	0.12 %
Operating Margin	55.14 %	47.62 %

Sector figures are the median of 194 listed Finance companies.

Peer Comparison

Name
BAJAJ FINSE BAJAJFINSV	1,667.90	26.34	2,67,207.81	0.09	6,296.67	18.15%	42,036.90	19.13%	11.88
AIIL AIIL	487.55	19.97	41,403.99	0.00	1,108.22	17.52%	1,469.54	20.94%	13.85
Cholamandalam Financial Holdings Ltd. CHOLAHLDNG	1,349.10	9.51	25,387.51	0.10	1,788.99	42.04%	11,113.57	19.55%	10.52
CGCL CGCL	230.55	16.93	22,182.46	0.09	418.33	77.26%	1,785.60	59.18%	11.68
JSWHL JSWHL	10,969.40	59.99	12,175.62	0.00	130.88	94.84%	166.59	99.33%	0.58
JM FINANCIAL JMFINANCIL	107.85	9.92	10,321.30	3.01	368.57	-19.66%	1,200.53	8.03%	11.91
TSFINV TSFINV	397.50	18.13	8,828.63	2.81	124.95	-21.11%	305.58	70.91%	3.47
RELIGARE ENT RELIGARE	212.55	133.33	7,327.78	0.00	-46.98	-678.32%	2,353.40	25.75%	4.71

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	7,632.71	8,090.16	8,489.09	8,913.37	9,296.32	9,461.41	9,948.79	10,366.20	11,113.57
Expenses	3,252.90	3,536.70	3,771.57	3,709.40	4,141.92	4,359.12	4,487.05	4,541.13	4,721.48
	4,379.81	4,553.46	4,717.52	5,203.97	5,154.40	5,102.29	5,461.74	5,825.07	6,392.09
	57.38%	56.28%	55.57%	58.38%	55.45%	53.93%	54.90%	56.19%	57.52%
	44.72	89.99	103.89	95.99	86.63	127.79	135.33	153.30	100.75
Interest	2,796.27	3,057.52	3,279.72	3,360.55	3,467.67	3,517.75	3,648.02	3,754.62	4,007.25
	69.75	74.36	72.35	79.27	78.60	82.55	87.18	84.24	87.42
	1,559.10	1,512.68	1,471.31	1,862.37	1,696.10	1,631.76	1,863.20	2,142.12	2,400.13
	25.63%	25.61%	25.72%	26.86%	25.74%	25.59%	25.62%	24.11%	25.46%
	548.36	525.54	486.19	613.57	578.50	549.92	625.73	687.14	805.96
	29.20	27.98	25.89	32.67	30.80	29.28	33.32	36.59	42.92

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	14,643.55	18,145.87	25,803.52	33,125.33	39,072.72
Operating Income (Net)	14,643.55	18,145.87	25,803.52	33,125.33	39,072.72
EXPENDITURE :
Employee Cost	1,354.31	1,859.71	2,994.16	3,790.20	4,686.06
Operating & Establishment Expenses	891.91	1,043.01	2,104.04	2,489.81	2,576.44
Administrations & Other Expenses	1,667.67	1,855.17	943.36	1,067.59	1,213.96
Provisions and Contingencies	3,387.19	3,853.64	5,370.38	6,981.95	9,052.96
	7,301.08	8,611.53	11,411.94	14,329.55	17,529.42
Operating Profit (Excl OI)	7,342.47	9,534.34	14,391.58	18,795.78	21,543.30
	183.12	244.16	305.25	393.57	503.25
	7,525.59	9,778.50	14,696.83	19,189.35	22,046.55
Interest	4,327.87	5,778.04	9,249.46	12,494.06	14,388.06
	154.16	176.06	247.54	295.73	332.57
Profit Before Taxation & Exceptional Items	3,043.56	3,824.40	5,199.83	6,399.56	7,325.92
	3,043.56	3,824.40	5,199.83	6,399.56	7,325.92
Provision for Tax	801.33	1,006.09	1,361.35	1,665.58	1,848.00
	2,242.23	2,818.31	3,838.48	4,733.98	5,477.92
Extra items				0.00	0.00
Minority Interest	-1,216.29	-1,519.39	-2,078.04	-2,566.22	-3,043.89
Share of Associate	-2.87	-8.69	12.08	5.90	7.26
Consolidated Net Profit	1,023.07	1,290.23	1,772.52	2,173.66	2,441.29
Adjustments to PAT	1,216.29
Profit Balance B/F	2,379.30	3,027.43	1,990.40	3,253.09	4,831.99
Appropriations	4,618.66	4,317.66	3,762.92	5,426.75	7,273.28
Equity Dividend %	55.00%	55.00%	55.00%	130.00%	130.00%
	54.51	68.70	94.38	115.74	129.99
Adjusted EPS	54.51	68.70	94.38	115.74	129.99

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	18.77	18.78	18.78	18.78	18.78
Share Warrants & Outstandings	53.32	81.78	68.95	102.13	146.06
Total Reserves	6,373.60	7,560.02	10,154.00	12,394.37	15,289.31
Reserve excluding Revaluation Reserve	6,373.60	7,560.02	10,154.00	12,394.37	15,289.31
Revaluation reserve				0.00
	6,445.69	7,660.58	10,241.73	12,515.28	15,454.15
Minority Interest	7,183.08	8,597.44	11,882.29	14,433.81	18,425.81
Secured Loans	54,954.61	70,275.92	14,755.48	20,626.85	23,051.39
Unsecured Loans	3,938.23	4,626.24	71,763.69	96,540.00	1,09,774.19
Deferred Tax Assets / Liabilities	-868.53	-896.35	-824.28	-926.72	-1,210.88
Other Long Term Liabilities	4,581.13	5,806.45	15,023.40	16,514.73	13,197.43
Long Term Trade Payables				0.12
Long Term Provisions	0.35		218.04	248.34	300.56
Total Non-Current Liabilities	62,605.79	79,812.26	1,00,936.33	1,33,003.32	1,45,112.69
Trade Payables	1,496.25	2,048.80	498.60	666.31	339.40
Other Current Liabilities	8,696.25	9,564.43	5,039.38	5,868.16	10,212.25
Short Term Borrowings	10,335.74	22,288.87	47,494.83	57,199.59	77,574.45
Short Term Provisions	139.47	164.10	0.05	0.93	0.88
Total Current Liabilities	20,667.71	34,066.20	53,032.86	63,734.99	88,126.98
Total Liabilities	96,902.27	1,30,136.48	1,76,093.21	2,23,687.40	2,67,119.63
Loans (Non - Current Assets)	74,144.71	1,04,809.65	1,44,462.65	1,82,037.64	2,17,743.72
Gross Block	985.82	1,294.55	2,654.76	2,915.63	3,337.53
Less: Accumulated Depreciation	550.30	700.36	899.98	915.82	1,157.83
	435.52	594.19	1,754.78	1,999.81	2,179.70
	26.13	35.74		3.69	27.51
Non Current Investments	13,190.12	17,448.88	17,695.02	18,915.76	19,727.49
Long Term Investment	13,190.12	17,448.88	17,695.02	18,915.76	19,727.49
Long Term Loans & Advances	592.46	696.27	598.64	395.86	49.86
Other Non Current Assets	951.02	1,163.01	4,422.22	5,577.71	6,451.67
Total Non-Current Assets	89,383.24	1,24,801.46	1,68,996.79	2,09,010.14	2,46,278.48
Currents Investments	91.97	87.17	2,363.11	5,355.45	5,240.81
Sundry Debtors	155.35	194.48	214.17	204.19	327.05
Cash and Bank	5,448.00	3,163.71	2,397.56	7,298.65	11,991.63
Other Current Assets	1,823.71	1,867.09	2,084.49	1,818.97	3,281.66
Total Current Assets	7,519.03	5,312.45	7,059.33	14,677.26	20,841.15
Net Current Assets (Including Current Investments)	-13,148.68	-28,753.75	-45,973.53	-49,057.73	-67,285.83
Total Assets	96,902.27	1,30,136.48	1,76,093.21	2,23,687.40	2,67,119.63
	1,272.70	883.50	726.60	553.15	560.84
Total Debt	69,228.58	97,191.03	1,34,014.00	1,74,366.44	2,10,400.03
	340.56	403.56	541.68	660.98	815.13
Adjusted Book Value	340.56	403.56	541.68	660.98	815.13

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	3,043.56	3,824.40	5,199.83	6,399.56	7,325.92
Adjustment	4,332.99	5,607.01	8,873.71	12,973.52	15,669.80
Changes In working Capital	-8,961.29	-33,550.19	-41,021.81	-41,791.68	-39,098.40
Cash Flow after changes in Working Capital	-1,584.74	-24,118.78	-26,948.27	-22,418.60	-16,102.68
Cash Flow from Operating Activities	-5,738.48	-29,328.73	-35,726.42	-34,201.30	-30,032.77
Cash Flow from Investing Activities	-135.48	295.18	-2,624.99	-1,037.72	-2,528.40
Cash Flow from Financing Activitie	7,072.90	27,287.57	38,269.19	39,651.71	35,650.27
Net Cash Inflow / Outflow	1,198.94	-1,745.98	-82.22	4,412.69	3,089.10
Opening Cash & Cash Equivalents	1,602.48	2,801.42	1,055.44	973.22	5,385.91
Closing Cash & Cash Equivalent	2,801.42	1,055.44	973.22	5,385.91	8,475.01

Ratios

Valuation

9.51

1.49

9.61

0.74

142.12

910.39

Profitability

39.52

10.52

2.23

55.14

14.02

Leverage & Liquidity

13.74

0.24

1.51

Returns

0.10

0.16

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	47.32	47.32	46.45	46.45	46.44	46.42	46.38	46.38	46.43	46.39
	39.69	39.73	39.76	39.93	40.21	40.37	40.48	40.36	40.35	40.79
	12.98	12.94	13.79	13.61	13.35	13.21	13.14	13.26	13.22	12.81
	52.68	52.68	53.55	53.55	53.56	53.58	53.62	53.62	53.57	53.61
No. of Shareholders	32,946	38,454	48,703	46,380	50,780	47,995	44,225	47,752	44,121	43,791

Mutual Funds Invested(120)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 73 active funds hold 24.50% in Cholamandalam Financial Holdings Ltd., contributing to ₹6.38K Cr of holdings

Fund				As of
NI Nippon India Growth Mid Cap Fund - Growth Option - Direct PlanMid Cap Fund	746.01	1.49	53,81,656	Sep '26
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	682.17	1.90	49,21,182	Sep '26
SB SBI Small Cap Fund - Growth - Direct PlanSmall cap Fund	544.53	1.33	39,28,227	Sep '26
AX Axis Small Cap Fund - Growth - Direct PlanSmall cap Fund	383.77	1.25	27,68,484	Sep '26
HD HDFC Mid Cap Fund - Growth - Direct PlanMid Cap Fund	313.92	0.31	22,64,620	Sep '26
SB SBI Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	205.66	1.97	14,83,637	Sep '26
ID Bandhan Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	204.29	0.99	14,73,728	Sep '26
SB SBI Large & Midcap Fund - Growth - Direct PlanLarge & Mid Cap	198.58	0.49	14,32,535	Sep '26
NI Nippon India ELSS Tax Saver Fund - Growth - Direct PlanEquity - ELSS - Tax Saver Fund	194.07	1.38	14,00,000	Sep '26
HS HSBC Small Cap Fund - Growth - Direct PlanSmall cap Fund	192.08	1.04	13,85,652	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-06	Board Meeting	Quarterly Results
2026-07-23	AGM
2026-07-13	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - Investment

Cholamandalam Financial Holdings Ltd. operates in the Finance sector under the Finance - Investment industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

7 members across the board and senior leadership

E Krithika

Company Secretary & Compliance Officer

—

M M Murugappan

Chairman

₹12.90 L

Mar '26

B Ramaratnam

Non Executive Independent Director

₹16.20 L

Mar '26

Vasudha Sundararaman

Non Executive Independent Director

₹15.60 L

Mar '26

K Balasubramanian

Non Executive Independent Director

₹15.60 L

Mar '26

Vellayan Subbiah

Promoter & Non-Executive Director

₹12.00 L

Mar '26

Sridharan Rangarajan

Non Executive Director

₹15.20 L

Mar '26

CHOLAHLDNG Latest News

News

1 of 1 article

EQUITY8 May 2026 · 14:30

Cholamandalam Fin. reports Profit after tax of Rs 384.80 Mln, in the March 2026 quarter

Cholamandalam Financial Holdings Ltd.

Stock Overview

Price chart

Peer Comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Valuation

Profitability

Leverage & Liquidity

Returns

Shareholding Pattern

Mutual Funds Invested(120)

Corporate Actions

Insider Trading

Sector Overview

Company Profile

Key Management

CHOLAHLDNG Latest News

News