| Revenue growth | 22% YoY Income growth |
|---|---|
| Margins | NIM improved to 8.2% from 7.8% YoY |
| Demand visibility | Strong across HCV, LCV, and Passenger Vehicles |
| Management confidence | High; citing resilient used vehicle markets |
Growth
Disbursements grew 22% YoY to ₹29,612 Cr; Business AUM increased 22% to ₹2.34 lakh Cr.
Outlook
Total AUM crossed ₹2.54 lakh Cr in 2027; focus on multi-ecosystem growth (Auto, MSME, Consumer).
Risks
Slight uptick in Stage 3 assets to 3.29% from 3.16% YoY; GNPA at 4.50%.
Last quarter's promises, checked
Delivered
- Guided AUM growth 20-23% → delivered 22% (= BEAT)
- Guided NIM at ~8% → delivered 8.2% (= BEAT)
- Guided net credit cost ~1.5% → delivered 1.5% (= BEAT)
Partly delivered
- Guided Stage 3 asset improvement → delivered 3.29% from 3.16% YoY (= MISS/PARTIAL)
Investor Presentation filed with NSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.
Cholamandalam Investment & Finance Company Ltd: key numbers
- Share price
- ₹1,611.00
- Market cap
- ₹1,35,844 Cr
- Revenue (annual)
- ₹31,073 Cr
- Net profit (annual)
- ₹5,233 Cr
- P/E (TTM)
- 23.6×Sector 21.9×
- Promoter holding
- 49.22%-0.03% QoQ
- FII holding
- 24.46%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Cholamandalam Investment & Finance Company Ltd
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The company has allotted 54,302 equity shares under its employee stock option scheme. This follows the exercise of options by eligible employees.
Cholamandalam Investment & Finance Company Price Movement Clarification
Cholamandalam Investment and Finance clarified that recent increased trading volume in its equity shares is market-driven and not due to any undisclosed company information.
Cholamandalam Investment & Finance Company Employee Stock Options
Cholamandalam Investment and Finance allotted 2,44,596 equity shares upon the exercise of employee stock options. This follows the approval from the Nomination and Remuneration Committee.
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- Value
- ₹4.19 Cr
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- Value
- ₹213.2 Cr
Cholamandalam Investment & Finance Company Debt & Borrowing
Cholamandalam Investment and Finance Company allotted 2,000 unsecured listed redeemable perpetual non-convertible debentures. This debt issuance follows the company's previously approved capital raising plans.