Cholamandalam Investment and Finance Company Ltd
- P/E
- 21.2x
- 52-week range
- 1,299.4 – 1,952.5
- ROE
- 19%
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (investment and credit company). It is engaged in the business of financing. Its segments include Vehicle Finance, Loan against property, Home Loans and Others Loans. The Vehicle Finance Loans segment provides loans to customers against purchase of new/used vehicles, tractors, construction equipment and loans to automobile dealers. Loan against property segment provides loans to customers against immovable property. The Home Loans segment includes loans given for acquisition/construction of residential property and loan against residential property. Other Loans segment consists of consumer and small enterprise loans, secured business and personal loans and SME loans. It offers gold loan, commercial vehicle loan, car loan, used car loan, construction equipment loan, two wheeler loan, new car loan, tractor loan three-wheeler loan, secured business loan, instant personal loan and others.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Cholamandalam Investment and Finance Company Ltd against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)21.2 against a typical 22.5: cheaper than most peers (1st = cheapest).136th of 284
- Sales growth+21.9% against a typical +18.3% from a year earlier.123rd of 259
- Profit growth+45.5% against a typical +20.2% from a year earlier.80th of 214
- Share price, 3 months−14.3% against a typical −4.2%.191st of 258
Latest announcements
Exchange filings and their impact on the company.
- Q2 PAT jumped 41% on 25% AUM growth while board approved Rs 5,000 cr QIP.
Cholamandalam Investment and Finance reported Q2 FY27 PAT of Rs 1,630 crore, up 41% year-on-year, and half-year PAT of Rs 3,284 crore, up 43%, with total AUM of Rs 2,68,009 crore up 25%. Net income for the quarter was Rs 5,037 crore, up 24%, asset quality improved with GNPA at 4.44%, and capital adequacy was 20.62%. The board also approved raising up to Rs 5,000 crore via QIP to support future growth.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Look closer
Rated AA+ by CARE- CARE lowered its rating on 3 Aug 2026.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | CARE A- (SO) | — | 21 Oct 2026 |
| ICRA | Withdrawn | Positive | 2 Sep 2026 |
| India Ratings | Withdrawn | Stable | 24 Feb 2026 |
| CRISIL | — | — | 24 Feb 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 21 Oct 2026 | Reaffirmed | CARE A- (SO) | — | CARE | ₹ 948.37 Cr. | |
| 7 Oct 2026 | New rating | Provisional CARE A- (SO) | Low | CARE | ₹ 1,827.06 Cr. | |
| 6 Oct 2026 | New rating | Provisional CARE AAA (SO) | Low | CARE | ₹ 1,651.23 Cr. | |
| 2 Sep 2026 | Withdrawn | was [ICRA]AA+ | — | ICRA | ₹ 2,197.56 Cr. | |
| 27 Aug 2026 | ▲ Upgrade5 notches | CARE A- (SO) → CARE AA+ | — | CARE | ₹ 39,725 Cr. |
Fund raises
QIPs, preferential issues, warrants and rights issues, one row per filing, newest first. Open a row for details. All fund raise updates
| Stage | Details | |||||
|---|---|---|---|---|---|---|
| 28 Oct 2026 | QIP | Board approved | ₹ 5,000 Cr. | — | — |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 28 Oct 2026Upcoming | Fund Raising | To consider Fund Raising |
| 28 Jul 2026 | Financial Results | To consider and approve the un-audited financial results for the period ended Jun 30, 2026 |
| 30 Apr 2026 | Dividend | To consider dividend |
| 30 Jan 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 6 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 31 Jul 2025 | Fund Raising | To consider issuance of Non-Convertible Debentures |
| 25 Apr 2025 | Dividend | To consider final dividend for FY ended 31 March 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 |
| Interest | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 |
| Expenses | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | 2,652 |
| Financing Profit | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | 2,197 |
| Financing Margin % | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% | 25% |
| Other Income | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | 102 |
| Depreciation | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 |
| Profit before tax | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | 2,224 |
| Tax % | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | 26% |
| Net Profit | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 |
| EPS in Rs | 9.4 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 | 19.43 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 22%
- 5 Years
- 27%
- 3 Years
- 34%
- TTM
- 20%
- 10 Years
- 25%
- 5 Years
- 28%
- 3 Years
- 25%
- TTM
- 29%
- 10 Years
- 24%
- 5 Years
- 31%
- 3 Years
- 21%
- TTM
- —
- 10 Years
- 19%
- 5 Years
- 20%
- 3 Years
- 20%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Cholamandalam Investment and Finance Company Ltd | ₹ 1,545.20 | — | 21.2x | — | 19% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 24.5x | 5.6x | 0% | 0% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.8x | 2.9x | 0% | 0% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 30.6x | 3.3x | 0% | 0% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 90x | 1.1x | 0% | 0% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 4.7x | 0.9x | 0% | 0% |
Management
- Vellayan Subbiah
- Executive Chairman
- Ravindra Kumar Kundu
- Chief Executive Officer, Managing Director
- D. Arulselvan Selvan
- Chief Financial Officer
- Jeeva Balakrishnan
- Chief Human Resources Officer
- Pangurayirath Ayirath Sujatha
- Chief Compliance Officer, Company Secretary
Prices are delayed and for information only. Nothing on this page is investment advice.