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Cholamandalam Investment and Finance Company Ltd.

FinanceFinance - NBFC

www.cholamandalam.com BSE: 511243NSE: CHOLAFIN

₹1,533.40BSE0.62%

22 Oct, 4:01 PM

₹1,533.40

₹1.31L Cr

22.86

4.05

19.51%

₹1,534.45

₹1,488.10

₹1,952.00

₹1,299.80

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	939.95	26.98	5,85,208.57	0.64	6,366.57	28.68%	24,546.37	22.79%	10.87
SHRIRAM TRAN SHRIRAMFIN	900.00	18.71	2,11,777.81	1.20	3,452.77	59.90%	13,400.43	16.16%	11.49
JIOFIN JIOFIN	211.00	81.39	1,39,326.29	0.28	340.44	-51.02%	1,699.28	73.15%	2.11
Cholamandalam Investment and Finance Company Ltd. CHOLAFIN	1,533.40	22.86	1,31,490.71	0.13	1,656.22	45.56%	8,856.29	21.87%	9.70
TATACAP TATACAP	309.00	24.20	1,31,166.45	0.19	1,628.18	56.42%	8,821.93	15.10%	8.66
BAJ HOLD INV BAJAJHLDNG	11,261.00	14.13	1,25,327.62	1.73	2,708.08	-22.71%	394.33	21.46%	14.81
ABCAPITAL ABCAPITAL	356.70	23.80	97,663.81	0.00	1,223.85	43.25%	12,179.54	28.17%	8.82
MUTHOOT FIN MUTHOOTFIN	2,415.00	8.52	96,954.64	1.24	2,824.84	43.08%	8,671.60	34.44%	15.87

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2021	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,496.66	5,812.31	6,255.12	6,732.98	7,045.57	7,266.80	7,491.38	7,898.21	8,416.71	8,856.29
Expenses	585.02	1,726.90	1,896.93	2,037.94	2,009.98	2,286.32	2,460.43	2,554.02	2,596.90	2,652.18
	1,911.64	4,085.41	4,358.19	4,695.04	5,035.59	4,980.48	5,030.95	5,344.19	5,819.81	6,204.11
	76.57%	70.29%	69.67%	69.73%	71.47%	68.54%	67.16%	67.66%	69.15%	70.05%
	10.90	44.44	67.22	103.62	91.30	86.29	122.04	110.47	146.83	100.39
Interest	1,077.51	2,796.36	3,058.57	3,274.93	3,364.67	3,468.06	3,517.31	3,645.74	3,753.02	4,007.37
	23.55	58.96	62.63	59.15	64.09	67.44	71.03	73.78	71.64	75.06
	821.83	1,275.06	1,304.88	1,465.65	1,698.56	1,532.00	1,565.91	1,735.74	2,143.12	2,223.56
	25.71%	25.72%	25.83%	25.75%	25.85%	25.73%	25.95%	25.68%	23.23%	25.51%
	610.51	947.15	967.80	1,088.21	1,259.54	1,137.83	1,159.61	1,289.97	1,645.20	1,656.22
	7.44	11.27	11.51	12.94	14.97	13.52	13.78	15.28	19.30	19.42

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	10,140.75	12,884.10	19,139.62	25,845.98	31,073.10
Operating Income (Net)	10,140.75	12,884.10	19,139.62	25,845.98	31,073.10
EXPENDITURE :
Employee Cost	957.20	1,360.37	2,478.60	3,327.75	4,195.08
Operating & Establishment Expenses	814.78	1,030.18	1,068.27	1,259.74	1,394.30
Administrations & Other Expenses	234.36	329.10	406.83	500.17	614.53
Provisions and Contingencies	920.38	902.36	1,434.20	2,585.17	3,694.11
	2,926.72	3,622.01	5,387.90	7,672.83	9,898.02
Operating Profit (Excl OI)	7,214.03	9,262.09	13,751.72	18,173.15	21,175.08
	91.86	221.62	282.40	307.66	465.98
	7,305.89	9,483.71	14,034.12	18,480.81	21,641.06
Interest	4,297.66	5,748.03	9,230.75	12,494.53	14,384.13
	100.63	121.09	198.06	244.83	283.89
Profit Before Taxation & Exceptional Items	2,907.60	3,614.59	4,605.31	5,741.45	6,973.04
	2,907.60	3,614.59	4,605.31	5,741.45	6,973.04
Provision for Tax	748.71	937.92	1,194.57	1,481.45	1,744.16
	2,158.89	2,676.67	3,410.74	4,260.00	5,228.88
Extra items				0.00	0.00
Share of Associate	-5.38	-11.82	9.32	2.70	3.73
Consolidated Net Profit	2,153.51	2,664.85	3,420.06	4,262.70	5,232.61
Profit Balance B/F	1,251.38	1,810.77	2,771.05	5,329.09	8,553.46
Appropriations	3,404.89	4,475.62	6,191.11	9,591.79	13,786.07
Equity Dividend %	100.00%	100.00%	100.00%	100.00%	100.00%
	26.23	32.42	40.72	50.69	61.41
Adjusted EPS	26.23	32.42	40.72	50.69	61.41

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)
	164.28	164.48	168.06	168.25	170.48
Share Warrants & Outstandings	54.92	83.38	140.37	215.21	315.63
Total Reserves	11,549.80	14,098.24	19,284.81	23,285.23	29,972.29
Reserve excluding Revaluation Reserve	11,549.80	14,098.24	19,284.81	23,285.23	29,972.29
	11,769.00	14,346.10	19,593.24	23,668.69	30,458.40
Secured Loans	61,379.73	85,921.16	80,050.89	1,05,181.12	1,19,687.70
Unsecured Loans	3,872.88	4,713.90	6,908.28	12,658.07	13,807.46
Deferred Tax Assets / Liabilities	-674.26	-611.49	-655.85	-948.60	-1,160.23
Other Long Term Liabilities	6.41	4.54	520.92	762.40	643.34
Long Term Provisions			193.97	235.55	281.40
Total Non-Current Liabilities	64,584.76	90,028.11	87,018.21	1,17,888.54	1,33,259.67
Trade Payables	127.59	171.61	295.69	235.91	212.05
Other Current Liabilities	1,281.85	1,604.93	1,607.71	1,948.21	2,783.43
Short Term Borrowings	3,920.89	6,722.44	47,515.71	57,196.81	77,574.45
Short Term Provisions	119.68	142.22
Total Current Liabilities	5,450.01	8,641.20	49,419.11	59,380.93	80,569.93
Total Liabilities	81,803.77	1,13,015.41	1,56,030.56	2,00,938.16	2,44,288.00
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	654.47	897.15	2,209.15	2,381.91	2,666.05
Less: Accumulated Depreciation	396.00	494.60	645.93	602.19	797.54
Net Block	258.47	402.55	1,563.22	1,779.72	1,868.51
Capital Work in Progress	23.03	35.74		3.69	27.51
Non Current Investments	2,055.05	3,561.87	2,586.57	3,001.44	4,009.14
Long Term Investment	2,055.05	3,561.87	2,586.57	3,001.44	4,009.14
Long Term Loans & Advances	292.07	353.69	359.04	218.08	29.73
Other Non Current Assets	33.27		2,563.99	2,963.39	5,149.88
Total Non-Current Assets	76,821.05	1,09,188.39	1,51,548.27	1,90,011.31	2,28,843.12
Currents Investments			1,449.18	3,365.97	2,636.67
Sundry Debtors	71.31	99.13	213.46	204.83	327.05
Cash and Bank	4,301.84	3,007.10	2,242.81	7,123.53	11,747.17
Other Current Assets	308.34	467.48	539.75	232.52	733.99
Short Term Loans and Advances	301.23	230.74
Total Current Assets	4,982.72	3,804.45	4,445.20	10,926.85	15,444.88
Net Current Assets (Including Current Investments)	-467.29	-4,836.75	-44,973.91	-48,454.08	-65,125.05
Total Assets	81,803.77	1,13,015.41	1,56,030.56	2,00,938.16	2,44,288.00
Contingent Liabilities	701.65	467.57	308.08	356.80	391.58
Total Debt	69,173.50	97,357.50	1,34,474.88	1,75,036.00	2,11,069.61
	142.67	173.50	231.59	278.91	353.77
Adjusted Book Value	142.67	173.50	231.59	278.91	353.77

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
	2,907.60	3,614.59	4,605.31	5,741.45	6,973.04
Adjustment	5,032.43	6,401.92	10,181.95	14,252.61	16,867.22
Changes In working Capital	-8,807.79	-31,201.46	-40,861.25	-39,549.69	-38,666.69
Cash Flow after changes in Working Capital	-867.76	-21,184.95	-26,073.99	-19,555.63	-14,826.43
Cash Flow from Operating Activities	-5,571.33	-27,105.05	-35,682.85	-32,413.15	-30,020.80
Cash Flow from Investing Activities	1,639.54	-2,148.41	-2,854.59	-2,948.12	-2,554.01
Cash Flow from Financing Activitie	5,150.27	27,466.47	38,471.23	39,795.28	35,610.01
Net Cash Inflow / Outflow	1,218.48	-1,786.99	-66.21	4,434.01	3,035.20
Opening Cash & Cash Equivalents	1,480.36	2,698.84	911.85	845.64	5,279.65
Closing Cash & Cash Equivalent	2,698.84	911.85	845.64	5,279.65	8,314.85

Ratios

Valuation

22.86

4.05

14.46

4.03

67.07

378.16

Profitability

19.51

9.70

2.35

68.15

16.83

Leverage & Liquidity

7.00

0.19

1.48

Returns

0.13

0.14

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
	50.33	50.24	49.93	49.92	49.90	49.88	49.72	49.25	49.22	48.93
	43.48	43.76	43.53	43.72	44.02	44.12	44.10	44.78	45.06	45.23
	6.19	6.01	6.54	6.36	6.08	6.00	6.17	5.96	5.72	5.84
	49.67	49.76	50.07	50.08	50.10	50.12	50.28	50.75	50.78	51.07
No. of Shareholders	1,43,097	1,46,889	1,76,231	1,78,471	1,83,933	1,65,068	1,70,050	1,60,428	1,51,219	1,70,510

Mutual Funds Invested(338)

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

A total of 246 active funds hold 13.78% in Cholamandalam Investment and Finance Company Ltd., contributing to ₹19.15K Cr of holdings

Fund				As of
SB SBI Large Cap Fund - Growth - Direct PlanLarge Cap Fund	1,069.20	2.04	66,00,000	Sep '26
HD HDFC Large Cap Fund - Growth - Direct PlanLarge Cap Fund	848.83	2.28	52,39,720	Sep '26
KO Kotak Mid Cap Fund - Growth - Direct PlanMid Cap Fund	711.76	1.07	43,93,577	Sep '26
AX Axis ELSS - Tax Saver Fund - Growth - Direct PlanEquity - ELSS - Tax Saver Fund	682.09	2.25	42,10,411	Sep '26
KO Kotak Arbitrage Fund - Growth - Direct PlanHybrid - Arbitrage Fund	659.85	0.88	40,73,125	Sep '26
SB SBI Balanced Advantage Fund - Growth - Direct PlanHybrid - Balanced Advantage	589.22	1.45	36,37,178	Sep '26
AX Axis Large Cap Fund - Growth - Direct PlanLarge Cap Fund	582.39	1.99	35,95,016	Sep '26
AX Axis Focused Fund - Growth - Direct PlanEquity - Focused Fund	538.40	5.14	33,23,446	Sep '26
IP ICICI Prudential Balanced Advantage Fund - Growth - Direct PlanHybrid - Balanced Advantage	512.07	0.71	31,60,951	Sep '26
DS DSP Midcap Fund - Growth - Direct PlanMid Cap Fund	474.74	2.44	29,30,518	Sep '26

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-10-08	Board Meeting	Quarterly Results & Audited Results
2026-07-06	Board Meeting	Quarterly Results
2026-04-30	Ex Dividend	Rs.0.7000 per share(35%)Final Dividend	2026-07-21	2026-07-21

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

Cholamandalam Investment and Finance Company Ltd. operates in the Finance sector under the Finance - NBFC 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

9 members across the board and senior leadership

P Sujatha

Company Secretary & Compliance Officer

—

Vellayan Subbiah

Chairman

₹13.01 Cr

Mar '26

N Ramesh Rajan

Non Executive Independent Director

₹43.00 L

Mar '26

Anand Kumar

Non Executive Independent Director

₹33.50 L

Mar '26

Bhama Krishnamurthy

Non Executive Independent Director

₹37.50 L

Mar '26

MAM Arunachalam

Promoter & Non-Executive Director

₹28.00 L

Mar '26

MR Kumar

Non Executive Independent Director

₹32.50 L

Mar '26

Ramkumar Ramamoorthy

Non Executive Independent Director

₹33.50 L

Mar '26

Ravindra Kumar Kundu

Managing Director

₹7.78 Cr

Mar '26

CHOLAFIN Latest News

News

2 of 2 articles

EQUITY15 Oct 2026 · 10:02

Cholamandalam Investment and Finance Company informs about certificate

EQUITY13 Aug 2026 · 09:57

Cholamandalam Investment and Finance Company informs about allotment of equity shares

CHOLAFIN

₹1,533.40

+0.62%