Overview

Detailed Summary

Cholamandalam Investment and Finance Company Limited is a leading financial services provider, offering vehicle finance, home loans, and SME loans across India.
The company achieved an impressive AUM growth, crossing ₹2.28 lakh Cr in FY 2026, marking a strategic milestone in its expansion.
Cholamandalam has actively expanded its physical presence to 1,757 branches, reinforcing its commitment to serving wide geographic areas.
Notable strategic partnerships, such as with Samsung Finance Plus, enhance its technological capabilities and market penetration.
Despite sector challenges, Cholamandalam maintains a robust liquidity and capital adequacy position, indicating financial resilience and prudence.

Sector: Finance
Industry: Finance - Large
Market Cap: 1,46,231 Cr
Volatility: High Risk
P/E Ratio: 30.1
Industry P/E: 26.9
PEG Ratio: 1.5
P/B Ratio: 5.2
52W High: 1,831.80
52W Low: 1,338.85

Sales CAGR

1Y: 35.10%
3Y: 36.84%
5Y: 24.37%
10Y: 22.34%

Profit CAGR

1Y: 24.90%
3Y: 25.65%
5Y: 32.26%
10Y: 25.08%

ROE

TTM: 17.91%
3Y: 17.96%
5Y: 17.75%
10Y: 17.36%

ROCE

TTM: 9.31%
3Y: 9.60%
5Y: 9.70%
10Y: 10.32%

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SHRIRAMFIN	1074.00	2,02,547 Cr	22.09	3.34	0.92	14.45	10.99	3.05
CHOLAFIN	1714.00	1,46,231 Cr	30.12	5.15	0.12	17.91	9.31	2.24
MUTHOOTFIN	3456.55	1,38,770 Cr	15.92	3.90	0.75	24.47	12.30	4.80
SUNDARMFIN	5190.00	57,651 Cr	27.34	3.81	0.67	13.03	8.79	2.41
M&MFIN	383.15	53,444 Cr	21.54	2.16	1.50	9.96	8.32	1.59
MANAPPURAM	310.00	26,239 Cr	64.32	2.06	1.29	3.53	7.94	0.75
CREDITACC	1281.40	20,413 Cr	42.28	2.85	0.00	1.87	7.65	1.75

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	4,623	5,007	5,428	5,812	6,255	6,733	7,046	7,267	7,491	7,898
Expenses	1,387	1,411	1,417	1,727	1,897	2,038	2,010	2,286	2,460	2,554
Interest	2,204	2,441	2,579	2,796	3,059	3,275	3,365	3,468	3,517	3,646
Financing Profit	1,031	1,155	1,432	1,289	1,300	1,420	1,671	1,512	1,514	1,698
Financing Margin %	22.30	23.06	26.38	22.18	20.78	21.09	23.72	20.81	20.21	21.50
Other Income	69	47	88	45	68	105	92	87	123	111
Depreciation	39	46	75	59	63	59	64	67	71	74
Profit Before Tax	1,062	1,156	1,444	1,275	1,305	1,466	1,699	1,532	1,566	1,736
Tax %	27.20	24.59	26.24	25.72	25.83	25.75	25.85	25.73	25.95	25.68
Net Profit	773	872	1,065	947	968	1,088	1,260	1,138	1,160	1,290
EPS in Rs	9.13	10.32	12.59	11.20	11.44	12.86	14.89	13.46	13.71	15.25
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	4,693	5,559	7,088	8,712	9,579	10,141	12,884	19,140	25,846	27,300
Expenses	1,322	1,451	1,632	2,421	2,914	2,926	3,622	5,386	7,672	8,231
Interest	2,228	2,657	3,588	4,592	4,576	4,298	5,748	9,231	12,495	13,166
Financing Profit	1,143	1,451	1,867	1,699	2,090	2,917	3,514	4,523	5,679	5,903
Financing Margin %	24.35	26.10	26.35	19.50	21.82	28.77	27.28	23.63	21.97	21.62
Other Income	3.37	0.60	21	0.62	60	91	221	280	307	352
Depreciation	39	51	57	111	102	101	121	198	245	253
Profit Before Tax	1,107	1,401	1,832	1,588	2,048	2,908	3,615	4,605	5,741	6,001
Tax %	35.17	34.49	34.65	33.63	25.71	25.75	25.95	25.94	25.80	25.79
Net Profit	718	918	1,197	1,054	1,521	2,159	2,677	3,411	4,260	4,453
EPS in Rs	8.52	11.55	5.67	12.48	18.01	25.48	31.53	40.44	50.39	57.30
Dividend Payout %	11.95	11.06	42.48	12.72	10.80	7.64	6.18	4.87	3.95	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	156	156	156	156	164	164	164	164	168	168
Reserves	3,513	4,142	4,969	6,052	8,036	9,436	11,605	14,182	19,425	23,500
Borrowings	14,902	18,335	38,330	50,567	55,005	63,730	69,174	97,358	1,34,475	1,75,036
Other Liabilities	9,317	7,965	711	715	853	1,314	1,536	1,923	2,618	3,182
Total Liabilities	27,889	30,598	44,167	57,490	64,058	74,644	82,479	1,13,627	1,56,686	2,01,887
Fixed Assets	120	150	170	167	283	227	258	403	1,563	1,780
CWIP	0.00	0.00	3.80	14	11	9.91	37	61	13	11
Investments	0.00	0.00	23	42	33	1,583	2,055	3,562	4,036	6,367
Other Assets	27,769	30,448	43,970	57,267	63,732	72,823	80,128	1,09,602	1,51,075	1,93,729
Total Assets	27,889	30,598	44,167	57,490	64,058	74,644	82,479	1,13,627	1,56,686	2,01,887

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2,809	-1,468	-7,926	-9,317	-2,075	-8,848	-5,571	-27,105	-35,683	-32,413
Cash from Investing Activity	-137	-222	-60	-11	-54	-1,746	1,640	-2,148	-2,855	-2,948
Cash from Financing Activity	3,031	1,692	8,009	12,191	2,452	8,707	5,150	27,466	38,471	39,795
Net Cash Flow	85	2.30	22	2,862	323	-1,888	1,218	-1,787	-66	4,434

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	51.47%	51.46%	51.43%	50.37%	50.35%	50.33%	50.24%	49.93%	49.92%	49.90%	49.88%	49.72%
FIIs	19.63%	20.91%	21.51%	24.73%	26.00%	26.62%	27.18%	27.43%	28.23%	27.96%	26.85%	26.55%
DIIs	21.47%	20.38%	20.04%	18.38%	17.04%	16.86%	16.58%	16.10%	15.49%	16.06%	17.27%	17.55%
Public	7.43%	7.26%	7.03%	6.52%	6.61%	6.19%	6.01%	6.54%	6.36%	6.08%	6.00%	6.17%
Total Shareholders	1,21,184	1,40,546	1,46,815	1,40,636	1,55,055	1,43,097	1,46,889	1,76,231	1,78,471	1,83,933	1,65,068	1,70,050

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Frequently Asked Questions about Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) is currently trading at 1,699.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Cholamandalam Investment and Finance Company Limited is a leading financial services provider, offering vehicle finance, home loans, and SME loans across India. The company achieved an impressive AUM growth, crossing ₹2.28 lakh Cr in FY 2026, marking a strategic milestone in its expansion. Cholamandalam has actively expanded its physical presence to 1,757 branches, reinforcing its commitment to serving wide geographic areas. Notable strategic partnerships, such as with Samsung Finance Plus, enhance its technological capabilities and market penetration. Despite sector challenges, Cholamandalam maintains a robust liquidity and capital adequacy position, indicating financial resilience and prudence.

Over the past 52 weeks, Cholamandalam Investment & Finance Company Ltd has traded between a low of ₹1,338.85 and a high of ₹1,831.80. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Cholamandalam Investment & Finance Company Ltd has a market capitalization of approximately 1,46,230.82. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Cholamandalam Investment & Finance Company Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 30.12 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,46,230.82 Cr, Cholamandalam Investment & Finance Company Ltd is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Cholamandalam Investment & Finance Company Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Cholamandalam Investment & Finance Company Ltd is 30.12. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

The increased capital expenditure of ₹12.2 lakh crore is expected to boost demand for commercial vehicles and construction equipment, which is the core of Cholamandalam's Vehicle Finance business, its largest segment.

Cholamandalam Investment Finance Company Ltd

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Consolidated Quarterly Results (in ₹ Crores)

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Consolidated Balance Sheet (in ₹ Crores)

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Frequently Asked Questions about Cholamandalam Investment & Finance Company Ltd

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What does Cholamandalam Investment & Finance Company Ltd do?

What is the 52-week high and low of Cholamandalam Investment & Finance Company Ltd?

What is the market capitalization of Cholamandalam Investment & Finance Company Ltd?

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Is Cholamandalam Investment & Finance Company Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Cholamandalam Investment & Finance Company Ltd belong to and why does it matter?

What is the PE ratio of Cholamandalam Investment & Finance Company Ltd?

How does the Union Budget 2026's infrastructure spending directly affect Cholamandalam Finance?

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Frequently Asked Questions about Cholamandalam Investment & Finance Company Ltd

What is Cholamandalam Investment & Finance Company Ltd share price today?

What does Cholamandalam Investment & Finance Company Ltd do?

What is the 52-week high and low of Cholamandalam Investment & Finance Company Ltd?

What is the market capitalization of Cholamandalam Investment & Finance Company Ltd?

Should I consider investing in Cholamandalam Investment & Finance Company Ltd stock?

Is Cholamandalam Investment & Finance Company Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Cholamandalam Investment & Finance Company Ltd belong to and why does it matter?

What is the PE ratio of Cholamandalam Investment & Finance Company Ltd?

How does the Union Budget 2026's infrastructure spending directly affect Cholamandalam Finance?

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