Financial Services · NIFTY 500

Cholamandalam Financial Holdings Limited

NSECHOLAHLDNG BSE504973 ISININE149A01033 SeriesEQ Listed on NSE · BSE

₹1,463.70 +16.90 (+1.17%) Updated 12 Nov, 9:19 pm IST

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Price, daily close-27.80% in a year

Today

Open: ₹1,444.00
Prev close: ₹1,446.80
Day high: ₹1,488.60
Day low: ₹1,444.00
Volume: 77.7 K
Value traded: ₹11.40 Cr
Upper circuit: ₹1,736.10
Lower circuit: ₹1,157.50
52W high: ₹2,064.00
52W low: ₹1,236.70
1 month: +6.14%
6 months: -17.55%

52W low52W high

Ratios

Key numbers

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

Market cap₹27,488 Cr

P/E (TTM)9.95

P/B1.61

Book value / share₹911.84

EPS (TTM)₹147.05

ROE16.1%

Dividend yield0.09%

Dividend (12m)₹1.30 / share

Net margin (TTM)6.5%

Operating marginn/a (bank)

Debt / equityn/a (bank)

Current ratio—

EV / EBITDA—

Sales growth (YoY qtr)+18.95%

Profit growth (YoY qtr)+16.85%

Sales CAGR 3Y+29.13%

Profit CAGR 3Y+23.69%

Shares18.78 Cr

Quarterly results

Results for each quarter

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

Revenue and net profit

6,795467

Dec 23

7,083513

Mar 24

7,633548

Jun 24

8,090526

Sep 24

8,489486

Dec 24

8,913614

Mar 25

9,296579

Jun 25

9,487550

Sep 25

9,949626

Dec 25

10,444687

Mar 26

11,114806

Jun 26

11,285643

Sep 26

Revenue · QoQ (vs last quarter)

—+4.3%+7.8%+6.0%+4.9%+5.0%+4.3%+2.1%+4.9%+5.0%+6.4%+1.5%

Revenue · YoY (vs a year ago)

————+25%+26%+22%+17%+17%+17%+20%+19%

Net profit · QoQ (vs last quarter)

—+9.8%+6.9%-4.2%-7.5%+26%-5.7%-4.9%+14%+9.8%+17%-20%

Net profit · YoY (vs a year ago)

————+4.1%+20%+5.5%+4.6%+29%+12%+39%+17%

RevenueNet profitLine = trend

24.88

Dec 23

27.32

Mar 24

29.20

Jun 24

27.99

Sep 24

25.89

Dec 24

32.68

Mar 25

30.81

Jun 25

29.28

Sep 25

33.32

Dec 25

36.59

Mar 26

42.92

Jun 26

34.22

Sep 26

EPS (₹) · YoY (vs a year ago)

————+4.1%+20%+5.5%+4.6%+29%+12%+39%+17%

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	6,795	7,083	7,633	8,090	8,489	8,913	9,296	9,487	9,949	10,444	11,114	11,285
Other income	47.4	74.4	44.7	90.0	104	96.0	86.6	128	135	153	101	124
Total income	6,842	7,158	7,677	8,180	8,593	9,009	9,383	9,615	10,084	10,597	11,214	11,409
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	820	904	809	928	1,001	1,052	1,050	1,198	1,221	1,217	1,275	1,565
Other expenses	1,809	1,841	1,862	1,986	2,106	2,074	2,209	2,264	2,355	2,472	2,524	2,495
Total expenses	5,479	5,602	6,119	6,669	7,124	7,149	7,688	7,985	8,222	8,457	8,816	9,379
Finance cost	2,445	2,582	2,796	3,058	3,280	3,361	3,468	3,518	3,648	3,755	4,007	4,334
Depreciation	55.2	88.3	69.8	74.4	72.4	79.3	78.6	82.6	87.2	84.2	87.4	98.6
Profit before tax	1,363	1,556	1,559	1,512	1,469	1,860	1,695	1,630	1,862	2,140	2,398	2,030
Tax	336	430	400	387	378	500	437	417	477	517	611	511
Net profit	1,027	1,144	1,160	1,125	1,093	1,362	1,260	1,214	1,386	1,626	1,789	1,520
Profit to shareholders	467	513	548	526	486	614	579	550	626	687	806	643
EPS (₹)	24.88	27.32	29.20	27.99	25.89	32.68	30.81	29.28	33.32	36.59	42.92	34.22

Profit & loss

Results for each year

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

Sales, operating profit and net profit

10,926697

FY19

13,135518

FY20

13,900825

FY21

14,6441,023

FY22

18,1461,290

FY23

25,8041,773

FY24

33,1252,174

FY25

39,0732,441

FY26

Revenue · YoY (vs a year ago)

—+20%+5.8%+5.3%+24%+42%+28%+18%

Net profit · YoY (vs a year ago)

—-26%+59%+24%+26%+37%+23%+12%

RevenueNet profitLine = trend

₹ Cr	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Interest earned	10,926	13,135	13,900	14,644	18,146	25,804	33,125	39,073
Other income	21.2	1.0	4.8	91.4	230	283	335	503
Total expenses	8,812	11,330	11,505	11,691	14,552	20,887	27,060	32,250
Employee cost	723	837	936	1,354	1,844	2,994	3,790	4,686
Finance cost	3,587	4,592	4,608	4,328	5,778	9,249	12,494	14,388
Depreciation	77.9	150	145	154	176	248	296	333
Profit before tax	2,135	1,806	2,400	3,044	3,824	5,200	6,400	7,326
Tax	721	642	636	801	1,006	1,361	1,666	1,848
Tax rate %	33.8%	35.5%	26.5%	26.3%	26.3%	26.2%	26.0%	25.2%
Net profit	1,415	1,165	1,764	2,239	2,810	3,851	4,740	5,485
Profit to shareholders	697	518	825	1,023	1,290	1,773	2,174	2,441
Net margin %	6.4%	3.9%	5.9%	7.0%	7.1%	6.9%	6.6%	6.2%
EPS (₹)	37.01	29.34	43.93	54.49	68.72	94.39	115.76	130.01

Balance sheet

Assets and debt

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

Equity, debt and assets

16,25873,1860.0

Mar 23

22,1241.05L0.0

Mar 24

12,5151.34L0.0

Mar 25

15,4541.57L0.0

Mar 26

17,1241.71L0.0

Sep 26

Shareholders' equity · YoY (vs a year ago)

—+36%-43%+23%—

Shareholders' equityBorrowingsDepositsLine = trend

₹ Cr	Mar 23	Mar 24	Mar 25	Mar 26	Sep 26
Shareholders' equity	16,258	22,124	12,515	15,454	17,124
Deposits	0.0	0.0	0.0	0.0	0.0
Total borrowings	73,186	104,511	133,792	156,543	171,060
Fixed assets (PPE)	507	1,670	1,901	2,046	2,403
Investments	17,559	20,095	24,271	24,968	26,632
Inventories	0.0	0.0	0.0	0.0	0.0
Cash & equivalents	1,055	973	5,386	8,475	7,942
Total assets	131,033	176,918	224,616	268,333	293,883
Debt / equity	4.50	4.72	10.69	10.13	9.99

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

-5,738-1357,073

FY22

-29,329-25727,840

FY23

-35,726-2,62538,269

FY24

-34,201-1,03839,652

FY25

-30,033-2,52835,650

FY26

Operations · YoY (vs a year ago)

—-411%-22%+4.3%+12%

OperationsInvestingFinancingLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-5,738	-29,329	-35,726	-34,201	-30,033
Cash from investing	-135	-257	-2,625	-1,038	-2,528
Cash from financing	7,073	27,840	38,269	39,652	35,650
Spent on fixed assets	-115	-248	-1,169	-341	-360
Free cash flow	-5,853	-29,577	-36,895	-34,543	-30,393
Net cash flow	1,199	-1,746	-82.2	4,413	3,089

Shareholding

Who holds the shares

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

Holding over time

47.4%Dec 23

47.4%Mar 24

47.3%Jun 24

47.3%Sep 24

46.5%Dec 24

46.5%Mar 25

46.4%Jun 25

46.4%Sep 25

46.4%Dec 25

46.4%Mar 26

46.4%Jun 26

46.4%Sep 26

Promoter & groupPublic

Latest (30 Sep 2026)

46.4%promoter

Promoter & group: 46.39%
Public (FIIs, mutual funds, retail…): 53.61%
Promoter change, last quarter: -0.04 pts

Dividends & news

Latest dividends and announcements

Dividends & corporate actions

Dividend - Rs 1.30 Per ShareEx 07-Aug-2026
Dividend - Rs 1.30 Per ShareEx 01-Aug-2025
Annual General Meeting/Dividend - Re 0.55 Per ShareEx 02-Aug-2024
Annual General Meeting/Dividend - Rs 0.55 Per ShareEx 03-Aug-2023
Annual General Meeting/Dividend - Rs 0.55 Per ShareEx 02-Aug-2022
Annual General Meeting/Dividend - Rs 0.55 Per ShareEx 27-Jul-2021
Interim Dividend - Re 0.65 Per ShEx 05-Mar-2020
Annual General Meeting/ Dividend - Re 0.65 Per ShareEx 24-Jul-2019

Board meetings

the un-audited financial results for the quarter and half-year ended September 30, 202606-Nov-2026
Cholamandalam Financial Holdings Limited has informed the Exchange about Board Meeting to be held on 06-Nov-2026 to inter-alia consider and approve t…06-Nov-2026
CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED has informed the Exchange about Board Meeting to be held on 14-Aug-2026 to inter-alia consider and approve t…14-Aug-2026
the financial results for the period ended Jun 30, 202614-Aug-2026
dividend08-May-2026

Filings with NSE

Analysts/Institutional Investor Meet/Con. Call Updates12 Nov
Analysts/Institutional Investor Meet/Con. Call Updates6 Nov
Analysts/Institutional Investor Meet/Con. Call Updates6 Nov
Press Release6 Nov
Investor Presentation6 Nov
Outcome of Board Meeting6 Nov
Certificate under SEBI (Depositories and Participants) Regulations, 20186 Oct

Latest news

About

About Cholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited is listed on the NSE under the symbol CHOLAHLDNG and belongs to the Financial Services sector.

BRANDS

Chola MS General Insurance

Company details

Company name: Cholamandalam Financial Holdings Limited
NSE symbol: CHOLAHLDNG
BSE scrip code: 504973
ISIN: INE149A01033
Listed on: NSE, BSE
Series: EQ (normal equity)
Listed on NSE since: 25 Sep 2017
Face value: ₹1 per share
Market lot: 1 share
Shares issued: 18.78 crore
Index: NIFTY 500
Sector (NSE): Financial Services
Industry: Finance/Rental/Leasing
Chair: M M Murugappan
Headquarters: Chennai, Tamil Nadu, India
Founded: 1949
Employees: 54,000
Financial year: April to March
Results basis: Consolidated
Website: cholafhl.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 Financial Holdings 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