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Cholamandalam Financial Holdings Ltd.

FinanceFinance - Investment

www.cholafhl.com BSE: 504973NSE: CHOLAHLDNG

₹1,511.90BSE0.79%

16 Sep, 4:01 PM

₹1,511.90

₹28.35K Cr

10.62

1.66

39.52%

₹1,523.45

₹1,487.40

₹2,061.45

₹1,305.00

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Price Performance

Peer Comparison

Name
BAJAJ FINSE BAJAJFINSV	1,839.60	29.34	2,94,715.21	0.08	6,296.67	18.15%	42,036.90	19.13%	11.88
AIIL AIIL	524.45	21.45	44,537.63	0.00	1,108.22	17.52%	1,469.54	20.94%	13.85
Cholamandalam Financial Holdings Ltd. CHOLAHLDNG	1,511.90	10.62	28,349.70	0.09	1,788.99	42.04%	11,113.57	19.55%	10.52
TVSHLTD TVSHLTD	12,760.40	12.83	25,816.97	0.69	1,173.58	73.77%	17,076.18	34.01%	19.39
CGCL CGCL	257.40	21.76	24,765.84	0.08	353.38	102.04%	1,576.48	57.49%	11.68
JSWHL JSWHL	10,866.00	88.76	12,060.85	0.00	24.54	-27.43%	34.58	14.99%	0.58
JM FINANCIAL JMFINANCIL	121.00	11.17	11,579.22	2.68	368.57	-19.66%	1,200.53	8.03%	11.91
TSFINV TSFINV	438.50	20.21	9,739.25	2.52	124.95	-21.11%	305.58	70.91%	3.47

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
Net Block	435.52	594.19	1,754.78	1,999.81	2,179.70
Capital Work in Progress	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
Contingent Liabilities	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

10.62

1.66

9.73

0.83

142.12

910.39

Profitability

39.52

10.52

2.23

55.14

14.02

Leverage & Liquidity

13.74

0.24

1.51

Returns

0.09

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
	47.32	47.32	46.45	46.45	46.44	46.42	46.38	46.38	46.43
	39.69	39.73	39.76	39.93	40.21	40.37	40.48	40.36	40.35
	12.98	12.94	13.79	13.61	13.35	13.21	13.14	13.26	13.22
	52.68	52.68	53.55	53.55	53.56	53.58	53.62	53.62	53.57
No. of Shareholders	32,946	38,454	48,703	46,380	50,780	47,995	44,225	47,752	44,121

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-07-23	AGM
2026-07-13	Board Meeting	Quarterly Results
2026-05-08	Ex Dividend	Rs.1.3000 per share(130%)Final Dividend	2026-08-07	2026-08-07

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

CHOLAHLDNG

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