Cholamandalam Investment and Finance Company Ltd

BSE: CHOLAFIN511243ISIN INE121A01024

Financial Services
Non Banking Financial Company (NBFC)
BSE 100

Share price

₹1,659.05+11.35 (+0.69%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹1,952.00
52W low: ₹1,299.80
Off 52W high: -15.01%
1M return: +3.17%
3M return: -12.03%
6M return: -3.03%
1Y return: -5.48%
20D avg volume: 1,87,040
50 DMA: ₹1,689.43
200 DMA: ₹1,666.87

Key ratios Consolidated

Market cap: ₹1,42,265 Cr
Current price: ₹1,659.05
52W high / low: ₹1,952.00 / ₹1,299.80
Face value: ₹2.00
P/E: 22.87
P/B: 4.12
EPS (TTM): ₹72.56
Book value / share: ₹402.53
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 5.14
Net debt: ₹1,48,228 Cr
Interest cover: 1.48
Dividend yield: 0.12%
Dividend / share (TTM): ₹2.00
Payout: 2.76%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	9,395	8,856	8,417	7,898	7,491	7,267	7,046	6,733	6,255	5,812	5,428	5,007
	0.00	100.39	146.83	110.47	122.04	86.29	91.34	103.78	67.22	44.44	71.60	47.34
	9,395	8,957	8,564	8,009	7,613	7,353	7,137	6,837	6,322	5,857	5,499	5,055
	7,207	6,735	6,422	6,274	6,049	5,822	5,439	5,372	5,018	4,582	4,071	3,898
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	1,432	1,149	1,092	1,094	1,073	935.66	934.17	893.31	806.39	693.88	775.19	694.83
	4,334	4,007	3,753	3,646	3,517	3,468	3,365	3,275	3,059	2,796	2,579	2,441
	83.17	75.06	71.64	73.78	71.03	67.44	64.09	59.15	62.63	58.96	75.18	45.79
	483.98	581.13	658.21	549.94	489.77	468.33	450.73	480.80	467.01	451.35	454.90	357.81
	2,187	2,222	2,142	1,735	1,565	1,531	1,698	1,465	1,304	1,275	1,428	1,156
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	2,187	2,222	2,142	1,735	1,565	1,531	1,698	1,465	1,304	1,275	1,428	1,156
	558.04	567.34	497.92	445.77	406.30	394.17	439.02	—	—	—	—	—
	1,630	1,656	1,645	1,290	1,160	1,138	1,260	1,088	967.80	947.15	1,065	872.02
	19.09	19.43	19.33	15.29	13.78	13.53	14.98	12.95	11.52	11.27	12.68	10.40
Key metrics
	—	—	—	—	—	—	—	4,799	4,425	4,130	4,083	3,643
	—	—	—	—	—	—	—	71.30%	70.70%	71.10%	75.20%	72.80%
	17.40%	18.70%	19.50%	16.30%	15.50%	15.70%	17.90%	16.20%	15.50%	16.30%	19.60%	17.40%
	25.40%	21.90%	19.50%	17.30%	19.80%	25.00%	29.80%	34.50%	—	—	—	—
	40.60%	45.60%	30.60%	18.50%	19.80%	20.10%	18.20%	24.80%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY19	FY18
Income statement
	34,566	31,073	25,846	19,140	12,884	10,141	7,088	5,501
	357.69	465.63	306.78	280.25	221.49	91.06	21.21	0.62
	34,923	31,539	26,153	19,420	13,106	10,232	7,109	5,501
	26,637	24,566	20,411	14,815	9,491	7,324	5,277	4,018
	0.00	0.00	0.00	0.00	0.00	0.00	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—
	4,767	4,195	3,328	2,479	1,360	957.20	604.68	541.58
	15,741	14,384	12,495	9,231	5,748	4,298	3,588	2,305
	303.65	283.89	244.83	198.06	121.09	100.63	56.99	50.86
	2,273	2,166	1,850	1,590	1,412	1,088	—	504.91
	8,286	6,973	5,741	4,605	3,615	2,908	1,832	1,484
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	8,286	6,973	5,741	4,605	3,615	2,908	1,832	1,484
	2,069	1,744	1,481	—	—	—	634.59	509.96
	6,222	5,233	4,263	3,420	2,665	2,154	1,197	973.80
	73.14	61.98	50.72	41.17	32.44	26.24	76.56	—
Key metrics
	—	—	—	14,034	9,484	7,306	5,477	3,840
	—	—	—	73.30%	73.60%	72.00%	77.30%	69.80%
	18.00%	16.80%	16.50%	17.90%	20.70%	21.20%	16.90%	17.70%
	21.13%	20.20%	35.00%	48.60%	27.10%	43.10%	28.90%	—
	33.94%	22.80%	24.60%	28.30%	23.70%	80.00%	22.90%	—
	—	-30,286	-32,613	—	—	—	—	—
	—	-5.74	-7.60	—	—	—	—	—
	—	5.14	5.65	—	—	—	—	—
	—	1,48,228	1,28,512	—	—	—	—	—
Balance sheet
	—	2,45,448	2,01,887	—	—	—	—	—
	—	8,315	5,280	—	—	—	—	—
	—	327.05	204.19	—	—	—	—	—
	—	0.00	0.00	—	—	—	—	—
	—	1,839	1,754	—	—	—	—	—
	—	1,56,543	1,33,792	—	—	—	—	—
	—	30,458	23,669	—	—	—	—	—
Cash flow
	—	-30,021	-32,413	—	—	—	—	—
	—	-2,554	-2,948	—	—	—	—	—
	—	35,610	39,795	—	—	—	—	—
	—	265.11	199.53	—	—	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	9,244	8,833	8,392	7,875	7,470	7,245	7,025	6,709	6,227	5,785	5,420	4,960
	123.29	99.57	146.27	110.42	120.55	85.86	95.64	103.14	66.15	44.26	71.84	58.98
	9,367	8,933	8,539	7,985	7,590	7,331	7,121	6,812	6,293	5,829	5,492	5,019
	7,179	6,712	6,401	6,252	6,029	5,801	5,414	5,349	4,994	4,560	4,055	3,862
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	1,422	1,140	1,083	1,083	1,063	924.30	921.76	880.65	794.65	683.45	765.80	666.65
	4,329	4,003	3,749	3,643	3,516	3,466	3,362	3,272	3,055	2,796	2,579	2,439
	79.65	74.17	71.03	73.14	70.36	66.79	63.43	58.43	61.92	58.34	74.55	45.24
	472.88	573.52	651.69	543.33	483.31	461.70	441.70	473.89	458.95	441.61	444.64	352.10
	2,188	2,220	2,137	1,733	1,561	1,530	1,706	1,464	1,299	1,268	1,437	1,157
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	2,188	2,220	2,137	1,733	1,561	1,530	1,706	1,464	1,299	1,268	1,437	1,157
	558.22	566.90	496.66	445.24	405.44	393.73	439.50	—	—	—	—	—
	1,630	1,654	1,641	1,288	1,155	1,136	1,267	1,087	963.05	942.23	1,058	876.16
	19.09	19.40	19.28	15.26	13.73	13.51	15.06	12.93	11.46	11.22	12.60	10.45
Key metrics
	—	—	—	—	—	—	—	4,794	4,416	4,122	4,091	3,641
	—	—	—	—	—	—	—	71.50%	70.90%	71.30%	75.50%	73.40%
	17.60%	18.70%	19.60%	16.40%	15.50%	15.70%	18.00%	16.20%	15.50%	16.30%	19.50%	17.70%
	23.70%	21.90%	19.50%	17.40%	20.00%	25.20%	29.60%	35.30%	—	—	—	—
	41.10%	45.60%	29.50%	18.50%	20.00%	20.60%	19.70%	24.00%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY19	FY18
Income statement
	34,344	30,982	25,746	18,845	12,757	10,048	6,992	5,425
	479.55	463.10	309.19	371.06	220.94	90.48	0.67	0.44
	34,824	31,445	26,055	19,216	12,978	10,139	6,993	5,426
	26,545	24,484	20,318	14,634	9,378	7,248	5,169	3,942
	0.00	0.00	0.00	0.00	0.00	0.00	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—
	4,728	4,153	3,281	2,331	1,266	894.53	590.58	527.66
	15,725	14,374	12,485	9,231	5,749	4,299	3,589	2,308
	297.99	281.32	242.12	195.77	118.88	97.35	55.48	49.68
	2,241	2,140	1,816	1,555	1,395	1,077	—	451.32
	8,279	6,961	5,737	4,582	3,600	2,891	1,823	1,483
	0.00	0.00	0.00	0.00	0.00	0.00	—	—
	8,279	6,961	5,737	4,582	3,600	2,891	1,823	1,483
	2,067	1,741	1,478	—	—	—	637.00	509.19
	6,212	5,220	4,259	3,423	2,666	2,147	1,186	974.12
	73.03	61.83	50.67	41.20	32.45	26.16	75.87	—
Key metrics
	—	—	—	14,008	9,467	7,287	5,467	3,841
	—	—	—	74.30%	74.20%	72.50%	78.20%	70.80%
	18.09%	16.80%	16.50%	18.20%	20.90%	21.40%	17.00%	18.00%
	20.72%	20.30%	36.60%	47.70%	27.00%	43.70%	28.90%	—
	33.75%	22.60%	24.40%	28.40%	24.20%	81.00%	21.80%	—
	—	-30,184	-32,599	—	—	—	—	—
	—	-5.73	-7.61	—	—	—	—	—
	—	5.15	5.66	—	—	—	—	—
	—	1,48,216	1,28,514	—	—	—	—	—
Balance sheet
	—	2,45,070	2,01,648	—	—	—	—	—
	—	8,312	5,278	—	—	—	—	—
	—	289.56	187.58	—	—	—	—	—
	—	0.00	0.00	—	—	—	—	—
	—	1,834	1,747	—	—	—	—	—
	—	1,56,529	1,33,792	—	—	—	—	—
	—	30,404	23,627	—	—	—	—	—
Cash flow
	—	-29,920	-32,404	—	—	—	—	—
	—	-2,543	-2,867	—	—	—	—	—
	—	35,497	39,707	—	—	—	—	—
	—	263.31	194.48	—	—	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +34.42%
Sales CAGR 5Y: —
Profit CAGR 3Y: +25.10%
Profit CAGR 5Y: —
Sales YoY (TTM): +20.72%
Profit YoY (TTM): +33.75%

Consolidated

Sales CAGR 3Y: +34.10%
Sales CAGR 5Y: —
Profit CAGR 3Y: +25.22%
Profit CAGR 5Y: —
Sales YoY (TTM): +21.13%
Profit YoY (TTM): +33.94%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 48.91%

Quarter	September 2026	June 2026	December 2025
Promoter %	48.91%	49.21%	49.71%

Holder	Type	Holding	Previous	Change
Cholamandalam Financial Holdings Limited	Promoter	43.48%	43.74%	-0.26%
Ambadi Investments Limited	Promoter	3.93%	3.96%	-0.03%
NPS TRUST - A/C SBI PENSION FUND SCHEME - NPS TIER	Public	2.65%	—	—
SBI NIFTY 500 INDEX FUND	Public	2.15%	—	—
AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL F	Public	2.01%	—	—
GOVERNMENT PENSION FUND GLOBAL	Public	1.43%	1.38%	+0.05%
HDFC MUTUAL FUND - HDFC NIFTY500 MULTICAP 50:25:25	Public	1.33%	—	—
ICICI PRUDENTIAL NIFTY NEXT 50 ETF	Public	1.24%	—	—
KOTAK DEBT HYBRID	Public	1.24%	—	—
NEW WORLD FUND INC	Public	1.15%	—	—
INVESCO INDIA LARGE & MID CAP FUND	Public	1.00%	—	—
M.A.Alagappan	Promoter	0.29%	0.29%	0.00%
Shambho Trust (M V Subbiah & S Vellayan,Trustees holds shares for Trust)	Promoter Group	0.16%	0.16%	0.00%
Saraswathi Trust (M V Subbiah, S Vellayan & M V Seetha Subbiah, Trustees holds shares for Trust)	Promoter Group	0.09%	0.09%	0.00%
Arun Alagappan	Promoter	0.09%	0.10%	-0.01%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Finance Limited	6,18,269	993.05	28.02	—	+18.82% TTM	+18.85% TTM	-6.05%
Shriram Finance Limited	2,13,119	905.70	16.80	—	+13.76% TTM	+28.60% TTM	+13.74%
Tata Capital Limited	1,43,392	337.80	23.16	—	—	—	+2.57%
Cholamandalam Investment and Finance Company Ltd	1,42,265	1,659.05	22.87	—	+21.13% TTM	+33.94% TTM	-5.48%
MUTHOOT FINANCE LIMITED	1,08,792	2,709.85	8.83	—	+47.27% TTM	+70.66% TTM	-15.07%
L&T Finance Limited	66,033	263.45	19.22	—	+20.11% TTM	+27.39% TTM	-5.93%
SBI CARDS AND PAYMENT SERVICES LIMITED S	52,626	553.00	20.18	—	+5.81% TTM	+35.96% TTM	-37.17%
Piramal Finance Limited	45,975	1,942.90	24.08	—	—	—	—
SUNDARAM FINANCE LTD	44,403	3,996.55	27.42	—	—	—	-16.26%
Authum Investment & Infrastructure Limited	43,913	517.10	25.16	—	-24.30% TTM	-56.50% TTM	-10.17%
HDB FINANCIAL SERVICES LIMITED S	42,098	506.65	14.22	—	—	—	-30.70%
POONAWALLA FINCORP LIMITED	41,349	469.55	38.02	—	+75.12% TTM	+399.21% TTM	-0.70%
Mahindra & Mahindra Financial Services Limited	37,542	270.05	10.42	—	+14.94% TTM	+45.99% TTM	-15.21%
Manappuram Finance Limited	29,495	314.00	20.41	—	+4.79% TTM	+85.35% TTM	+17.85%
IIFL FINANCE LIMITED	24,697	578.65	9.35	—	+35.37% TTM	+157.78% TTM	+7.38%
Capri Global Capital Limited	23,121	240.30	17.65	—	+52.88% TTM	+82.77% TTM	+21.89%
Five-Star Business Finance Ltd. S	11,724	397.15	10.50	—	+8.28% TTM	+1.05% TTM	-39.17%
SBFC Finance Limited	9,820	88.32	28.37	—	+28.23% TTM	+45.63% TTM	-24.80%
PAISALO DIGITAL LIMITED	7,279	77.43	27.42	—	+23.60% TTM	+27.97% TTM	+101.17%
Bengal & Assam Company Limited	6,477	5,680.00	8.29	—	+12.05% TTM	+3.26% TTM	-25.74%
Fedbank Financial Services Limited S	5,923	157.85	13.66	—	+21.29% TTM	+76.56% TTM	+10.46%
Mrugesh Trading Ltd. S	5,665	78.41	—	-0.30%	+21.12% TTM	+94.74% TTM	+3,464.09%
SG FINSERVE LIMITED S	4,670	708.75	24.95	—	+104.57% TTM	+86.47% TTM	+85.76%
MAS Financial Services Limited	4,607	253.90	10.89	—	+22.72% TTM	+23.77% TTM	-19.01%
Northern Arc Capital Ltd.	4,481	276.95	9.38	—	+29.02% TTM	+70.21% TTM	+0.64%

Filings & corporate actions

Recent announcements

Upload of Earnings Call Transcript in the Company''s website.4 Nov 2026 · Company Update / Analyst / Investor Meet
Intimation of change in Corporate Office Address of the RTA.3 Nov 2026 · Company Update / General
Intimation of change in Corporate Office Address of the RTA of the Company.3 Nov 2026 · Company Update / General
Intimation of allotment of equity shares on exercise of ESOPs29 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Intimation on upload of Audio recording of the earnings call28 Oct 2026 · Company Update / Analyst / Investor Meet
Enclosed the investor presentation for the quarter ended 30-Sep-2026.28 Oct 2026 · Company Update / Investor Presentation
Outcome of Board meeting28 Oct 2026 · Board Meeting / Outcome of Board Meeting
Approval of proposal for issue of securities by way of Qualified Institutions Placement28 Oct 2026 · Company Update / Issue of Securities
Audited Financial Results for the quarter and half year ended 30 September, 202628 Oct 2026 · Result / Financial Results
Intimation on Schedule of Investors Meeting for the quarter ended 30-Sep-202622 Oct 2026 · Company Update / Analyst / Investor Meet
Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve ....22 Oct 2026 · Board Meeting / Board Meeting
Enclosed certificate under Reg.74(5) for the quarter ended 30-Sep-202615 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of Trading Window Closure8 Oct 2026 · Insider Trading / SAST / Closure of Trading Window
Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve ....8 Oct 2026 · Board Meeting / Board Meeting
Conversion of Compulsorily Convertible Debentures into equity shares30 Sep 2026 · Corp Action / Conversion of Securities
Allotment of 91063 equity shares on exercise of ESOPs.30 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Intimation on Allotment of 54302 Shares26 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Response to clarification sought by the Exchange13 Sep 2026 · Company Update / General
Intimation on allotment 244596 equity shares on exercise of ESOPs11 Sep 2026 · Company Update / Allotment of ESOP / ESPS
The Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on September 11, 2026, with reference to Movement in Volume. <BR><BR>The reply is awaited.11 Sep 2026 · Company Update / Clarification
Company confirms allotment of 2000 unsecured listed rated redeemable perpetual ncds on 1st sep 20261 Sep 2026 · Company Update / Allotment of Equity Shares
Intimation under Reg. 31A(8) of SEBI (LODR) Regulations, 2015 regarding the NOC received from26 Aug 2026 · Company Update / General
Company confirms allotment of 35000 secured listed rated redeemable ncds on 21st August 202621 Aug 2026 · Company Update / Allotment of Equity Shares
Intimation on allotment of equity 43050 shares13 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Uploaded Transcript of the Earnings Call4 Aug 2026 · Company Update / Analyst / Investor Meet
Enclosed Scrutinizer''s Report and voting Results of the AGM 202629 Jul 2026 · AGM/EGM / AGM
Intimation on upload of Audio Recording in the Company''s website.28 Jul 2026 · Company Update / Analyst / Investor Meet
Outcome of 48th Annual General Meeting28 Jul 2026 · AGM/EGM / AGM
Enclosed the Investor Presentation for the quarter ended 30 June, 202628 Jul 2026 · Company Update / Investor Presentation
Approval for Issue of Debentures28 Jul 2026 · Company Update / Issue of Securities
Outcome of the Board Meeting28 Jul 2026 · Result / Financial Results
Outcome of the Board Meeting28 Jul 2026 · Board Meeting / Outcome of Board Meeting
Intimation on allotment of 9910 equity shares on exercise of ESOPs.20 Jul 2026 · Company Update / Allotment of Equity Shares
Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/07/2026 ,inter alia, to consider and approve ....17 Jul 2026 · Board Meeting / Board Meeting
Intimation on Schedule of Investors Meeting for the quarter ended 30-Jun-202617 Jul 2026 · Company Update / Analyst / Investor Meet
Enclosed certificate under Reg.74(5) for the quarter ended 30-Jun-202615 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation on Conversion of CCDs into Equity Shares8 Jul 2026 · Corp Action / Conversion of Securities
Intimation on conversion of CCDs into equity shares8 Jul 2026 · Company Update / Allotment of Equity Shares
Allotment of 71465 equity shares on exercise of ESOPs8 Jul 2026 · Company Update / Allotment of ESOP / ESPS
Enclosed Newspaper advertisement copy regarding the dispatch of Annual Report and notice for the 48th AGM to the Shareholders.7 Jul 2026 · Company Update / Newspaper Publication

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 0.7000	21 Jul 2026	21 Jul 2026	—
Interim Dividend - Rs. - 1.3000	5 Feb 2026	5 Feb 2026	—
Final Dividend - Rs. - 0.7000	24 Jul 2025	24 Jul 2025	—
Interim Dividend - Rs. - 1.3000	7 Feb 2025	7 Feb 2025	—
Final Dividend - Rs. - 0.7000	19 Jul 2024	—	—

Board meetings

28 Oct 2026 Board Meeting - Financial Results
28 Jul 2026 Board Meeting - Financial Results