Financial Services · NIFTY 500

Cholamandalam Investment and Finance Company Limited

NSECHOLAFIN BSE511243 ISININE121A01024 SeriesEQ Listed on NSE · BSE

₹1,862.00 +47.20 (+2.60%) Updated 12 Nov, 8:49 pm IST

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Price, daily close+2.24% in a year

Today

Open: ₹1,824.00
Prev close: ₹1,814.80
Day high: ₹1,869.40
Day low: ₹1,811.30
Volume: 22.36 L
Value traded: ₹415.57 Cr
Upper circuit: ₹1,913.00
Lower circuit: ₹1,801.60
52W high: ₹1,952.50
52W low: ₹1,299.40
1 month: +15.61%
6 months: +9.88%

52W low52W high

Ratios

Key numbers

Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.

Market cap₹159,732 Cr

P/E (TTM)25.51

P/B4.63

Book value / share₹402.53

EPS (TTM)₹72.99

ROE18.4%

Dividend yield0.11%

Dividend (12m)₹2.00 / share

Net margin (TTM)18.4%

Operating marginn/a (bank)

Debt / equityn/a (bank)

Current ratio—

EV / EBITDA—

Sales growth (YoY qtr)+25.40%

Profit growth (YoY qtr)+52.09%

Sales CAGR 3Y+34.10%

Profit CAGR 3Y+25.22%

Shares85.79 Cr

Quarterly results

Results for each quarter

Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.

Revenue and net profit

5,007872

Dec 23

5,4281,065

Mar 24

5,812947

Jun 24

6,255968

Sep 24

6,7331,088

Dec 24

7,0461,260

Mar 25

7,2671,138

Jun 25

7,4911,160

Sep 25

7,8981,290

Dec 25

8,4171,645

Mar 26

8,8561,656

Jun 26

9,3951,764

Sep 26

Revenue · QoQ (vs last quarter)

—+8.4%+7.1%+7.6%+7.6%+4.6%+3.1%+3.1%+5.4%+6.6%+5.2%+6.1%

Revenue · YoY (vs a year ago)

————+34%+30%+25%+20%+17%+19%+22%+25%

Net profit · QoQ (vs last quarter)

—+22%-11%+2.2%+12%+16%-9.7%+1.9%+11%+28%+0.7%+6.5%

Net profit · YoY (vs a year ago)

————+25%+18%+20%+20%+19%+31%+46%+52%

RevenueNet profitLine = trend

10.37

Dec 23

12.65

Mar 24

11.25

Jun 24

11.49

Sep 24

12.91

Dec 24

14.94

Mar 25

13.50

Jun 25

13.75

Sep 25

15.25

Dec 25

19.28

Mar 26

19.40

Jun 26

19.06

Sep 26

EPS (₹) · YoY (vs a year ago)

————+24%+18%+20%+20%+18%+29%+44%+39%

EPS (₹)Line = trend

₹ Cr	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25	Dec 25	Mar 26	Jun 26	Sep 26
Interest earned	5,007	5,428	5,812	6,255	6,733	7,046	7,267	7,491	7,898	8,417	8,856	9,395
Other income	47.3	71.6	44.4	67.2	104	91.3	86.3	122	110	147	100	0.0
Total income	5,055	5,499	5,857	6,322	6,837	7,137	7,353	7,613	8,009	8,564	8,957	9,395
Raw material	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Purchases	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Employee cost	695	775	694	806	893	934	936	1,073	1,094	1,092	1,149	1,432
Other expenses	358	455	451	467	481	451	468	490	550	658	581	484
Total expenses	3,898	4,071	4,582	5,018	5,372	5,439	5,822	6,049	6,274	6,422	6,735	7,207
Finance cost	2,441	2,579	2,796	3,059	3,275	3,365	3,468	3,517	3,646	3,753	4,007	4,334
Depreciation	45.8	75.2	59.0	62.6	59.2	64.1	67.4	71.0	73.8	71.6	75.1	83.2
Profit before tax	1,157	1,428	1,275	1,304	1,465	1,698	1,531	1,565	1,735	2,142	2,222	2,187
Tax	284	379	328	337	377	439	394	406	446	498	567	558
Net profit	872	1,065	947	968	1,088	1,260	1,138	1,160	1,290	1,645	1,656	1,630
Profit to shareholders	872	1,065	947	968	1,088	1,260	1,138	—	1,290	1,645	1,656	1,764
EPS (₹)	10.37	12.65	11.25	11.49	12.91	14.94	13.50	13.75	15.25	19.28	19.40	19.06

Profit & loss

Results for each year

8 financial years (April to March), consolidated, ₹ crore.

Sales, operating profit and net profit

7,0881,195

FY19

8,7121,054

FY20

9,5791,521

FY21

10,1410.0

FY22

12,8842,665

FY23

19,1403,420

FY24

25,8464,263

FY25

31,0735,233

FY26

Revenue · YoY (vs a year ago)

—+23%+10.0%+5.9%+27%+49%+35%+20%

Net profit · YoY (vs a year ago)

—-12%+44%-100%—+28%+25%+23%

RevenueNet profitLine = trend

₹ Cr	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Interest earned	7,088	8,712	9,579	10,141	12,884	19,140	25,846	31,073
Other income	21.2	0.6	4.4	91.1	221	280	307	466
Total expenses	5,277	7,124	7,536	7,324	9,491	14,815	20,411	24,566
Employee cost	605	700	792	957	1,360	2,479	3,328	4,195
Finance cost	3,588	4,592	4,576	4,298	5,748	9,231	12,495	14,384
Depreciation	57.0	111	102	101	121	198	245	284
Profit before tax	1,832	1,588	2,048	2,908	3,615	4,605	5,741	6,973
Tax	635	534	527	749	938	1,195	1,481	1,744
Tax rate %	34.6%	33.6%	25.7%	25.8%	25.9%	25.9%	25.8%	25.0%
Net profit	1,197	1,054	1,521	2,154	2,665	3,420	4,263	5,233
Profit to shareholders	1,195	—	—	0.0	—	3,420	4,263	5,233
Net margin %	16.9%	12.1%	15.9%	0.0%	20.7%	17.9%	16.5%	16.8%
EPS (₹)	76.50	13.37	18.52	26.19	32.38	41.06	50.60	61.83

Balance sheet

Assets and debt

At each year end (and the latest half year), ₹ crore.

Equity, debt and assets

14,34673,1860.0

Mar 23

19,5931.05L0.0

Mar 24

23,6691.34L0.0

Mar 25

30,4581.57L13,703

Mar 26

34,5311.71L0.0

Sep 26

Shareholders' equity · YoY (vs a year ago)

—+37%+21%+29%—

Shareholders' equityBorrowingsDepositsLine = trend

₹ Cr	Mar 23	Mar 24	Mar 25	Mar 26	Sep 26
Shareholders' equity	14,346	19,593	23,669	30,458	34,531
Deposits	0.0	0.0	0.0	13,703	0.0
Total borrowings	73,186	104,511	133,792	156,543	171,060
Fixed assets (PPE)	375	1,539	1,754	1,839	2,168
Investments	3,584	4,073	6,367	6,646	8,377
Inventories	0.0	0.0	0.0	0.0	0.0
Cash & equivalents	912	846	5,280	8,315	7,862
Total assets	113,627	156,686	201,887	245,448	270,022
Debt / equity	5.10	5.33	5.65	5.14	4.95

Cash flow

Cash coming in and going out

For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.

Operating, investing and financing cash

-5,5711,6405,150

FY22

-27,105-2,14827,466

FY23

-35,683-2,85538,471

FY24

-32,413-2,94839,795

FY25

-30,021-2,55435,610

FY26

Operations · YoY (vs a year ago)

—-387%-32%+9.2%+7.4%

OperationsInvestingFinancingLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-5,571	-27,105	-35,683	-32,413	-30,021
Cash from investing	1,640	-2,148	-2,855	-2,948	-2,554
Cash from financing	5,150	27,466	38,471	39,795	35,610
Spent on fixed assets	-56.8	-143	-1,076	-200	-265
Free cash flow	-5,628	-27,248	-36,759	-32,613	-30,286
Net cash flow	1,218	-1,787	-66.2	4,434	3,035

Shareholding

Who holds the shares

Promoter and public holding at each quarter end, as filed with NSE.

Holding over time

50.4%Dec 23

50.4%Mar 24

50.3%Jun 24

50.2%Sep 24

49.9%Dec 24

49.9%Mar 25

49.9%Jun 25

49.9%Sep 25

49.7%Dec 25

49.3%Mar 26

49.2%Jun 26

48.9%Sep 26

Promoter & groupPublic

Latest (30 Sep 2026)

48.9%promoter

Promoter & group: 48.93%
Public (FIIs, mutual funds, retail…): 51.07%
Promoter change, last quarter: -0.29 pts

Dividends & news

Latest dividends and announcements

Dividends & corporate actions

Dividend - Re 0.70 Per ShareEx 21-Jul-2026
Interim Dividend - Rs 1.30 Per ShareEx 05-Feb-2026
Dividend - Re 0.70 Per ShareEx 24-Jul-2025
Interim Dividend - Rs 1.30 Per ShareEx 07-Feb-2025
Dividend - Re 0.70 Per ShareEx 19-Jul-2024
Interim Dividend - Rs 1.30 Per ShareEx 07-Feb-2024
Annual General Meeting/Dividend - Re 0.70 Per ShareEx 25-Jul-2023
Interim Dividend - Rs 1.30 Per ShareEx 10-Feb-2023

Board meetings

Fund raising.28-Oct-2026
Fund Raising28-Oct-2026
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Board Meeting to be held on 28-Oct-2026 to inter-alia consider a…28-Oct-2026
the audited financial statements for the quarter and half-year ended September 30, 202628-Oct-2026
Fund raising.28-Jul-2026

Filings with NSE

Shareholders meeting9 Nov
Analysts/Institutional Investor Meet/Con. Call Updates4 Nov
Updates3 Nov
Updates3 Nov
ESOP/ESOS/ESPS29 Oct
Analysts/Institutional Investor Meet/Con. Call Updates28 Oct
Investor Presentation28 Oct

Latest news

CHOLAFIN Outlook for the WeekEquitypandit · 8 Nov, 1:30 pm Cholamandalam Investment and Finance Company shares fall 2.32%TradingView · 23 Jul, 12:30 pm India’s Shadow Banks Raise Billions as Credit Boom Brings New RisksBloomberg.com · 11 Nov, 6:19 pm October flexi-cap fund moves: Which stocks did HDFC, SBI, ICICI Prudential and Mirae Asset add and exit?Upstox · 12 Nov, 3:03 pm NBFCs tighten lending in drought-hit districts as rural stress threatens growthbfsi.economictimes.indiatimes.com · 12 Nov, 6:00 am Here's Why Cholamandalam Investment and Finance (NSE:CHOLAFIN) Has Caught The Eye Of InvestorsSimply Wall St · 11 Sep, 12:30 pm Cholamandalam Investment and Finance Share Price UpdateUnivest · 21 Oct, 12:30 pm RBI issues new domestic money transfer rules: Walk-in NEFT up to ₹50,000, cash delivery up to ₹10,000Upstox · 12 Nov, 7:45 am

About

About Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited is listed on the NSE under the symbol CHOLAFIN and belongs to the Financial Services sector.

Company details

Company name: Cholamandalam Investment and Finance Company Limited
NSE symbol: CHOLAFIN
BSE scrip code: 511243
ISIN: INE121A01024
Listed on: NSE, BSE
Series: EQ (normal equity)
Listed on NSE since: 15 May 1996
Face value: ₹2 per share
Market lot: 1 share
Shares issued: 85.79 crore
Index: NIFTY 500
Sector (NSE): Financial Services
Industry: Finance/Rental/Leasing
Managing director / CEO: Ravindra Kumar Kundu
Chair: Vellayan Subbiah
Headquarters: Chennai, Tamil Nadu, India
Registered address: Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032.
Founded: 1978
Employees: 73,689
Financial year: April to March
Results basis: Consolidated
Website: cholamandalam.com

Peers

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Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.

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Cholamandalam Investment and Finance Company Limited

Today

Ratios

Quarterly results

Revenue and net profit

Profit & loss

Sales, operating profit and net profit

Balance sheet

Equity, debt and assets

Cash flow

Operating, investing and financing cash

Shareholding

Holding over time

Latest (30 Sep 2026)

Dividends & news

Dividends & corporate actions

Board meetings

Filings with NSE

Latest news

About

Company details

Peers