| Revenue growth | Income +23% YoY in Q2 to ₹9,367 Cr |
|---|---|
| Margins | Q2 NIM 7.9% flat; H1 NIM 8.0% vs 7.8% |
| Demand visibility | Industry Q2 growth: HCV +40%, LCV +25%, PV +31% |
Growth
Q2 PBT ₹2,188 Cr (+40%); H1 PAT ₹3,284 Cr (+43%); Q2 net income +24%; ROE 19.4%.
Outlook
No explicit company guidance; management cites positive HCV, LCV and PV outlook and calibrated portfolio expansion.
Risks
Stage 3 at 3.25%; GNPA 4.44%; tractor sales fell 3% in Q2 on high base and uneven monsoon.
Last quarter's promises, checked
Delivered
- Guided 22–23% disbursement growth → Q2 +47% to ₹35,872 Cr (= BEAT)
- Guided ~23% AUM growth → Q2 +25% to ₹2,48,045 Cr (= BEAT)
- Guided Q2 disbursements ≥ Q1 (₹29,612 Cr) → ₹35,872 Cr (= BEAT)
Partly delivered
- Guided Stage 3 improving from 3.29% → 3.25% (= PARTIAL)
- Guided 360 gold branches in FY27 → 308 by Sep-26 (= PARTIAL, not yet due)
Missed
- Guided NIM 8.2% held/improving → Q2 7.9% (= MISS)
Investor Presentation filed with NSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.
Cholamandalam Investment & Finance Company Ltd: key numbers
- Share price
- ₹1,545.20
- Market cap
- ₹1,30,295 Cr
- Revenue (annual)
- ₹31,073 Cr
- Net profit (annual)
- ₹5,233 Cr
- P/E (TTM)
- 20.9×Sector 19.7×
- Promoter holding
- 48.93%-0.29% QoQ
- FII holding
- 24.87%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
All →Cholamandalam Investment & Finance Company Fund Raise
Cholamandalam's board approved a Qualified Institutions Placement fund raise on 28 October 2026, subject to shareholder postal ballot. The quantum, price and terms remain undetermined.
Cholamandalam Investment & Finance Company Earnings Call Transcript: Key Takeaways
Management reported strong growth across all segments, achieving an AUM of ₹2,42,630 Cr.
- Call
- Guides 23% growth
Cholamandalam Investment & Finance Company Q2 FY27 Results: Net Profit ₹1,630 Cr, Up 40.6% YoY
Cholamandalam Investment & Finance Company Ltd reported revenue from operations of ₹9,271 Cr (+23.8% YoY) and net profit of ₹1,630 Cr (+40.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹1,630 Cr · +40.6% YoY
Cholamandalam Investment & Finance Company Board Meeting Date
Cholamandalam Investment and Finance Company Ltd announced its Board will consider a proposal for capital raising via a qualified institutions placement on October 28, 2026.
Cholamandalam Investment & Finance Company Promoter Reclassification
Cholamandalam Investment and Finance Company Ltd reclassified Alagavista Greentech Private Limited from the promoter/promoter group to public shareholder category, effective 26 August, 2026.
Cholamandalam Investment & Finance Company Board Meeting Date
Cholamandalam Investment and Finance Company Limited scheduled a Board meeting on October 28, 2026. The board will consider and approve financial results for the quarter.