Cholamandalam Investment and Finance Company Ltd

BSE: CHOLAFIN511243ISIN INE121A01024

Financial Services
Non Banking Financial Company (NBFC)
BSE 100

BSE listing

Share price

₹1,778.60+17.10 (+0.97%)

as of 18 Sep 2026

52W high: ₹1,952.00
52W low: ₹1,299.80
Off 52W high: -8.88%
1M return: -4.70%
3M return: +4.95%
6M return: +23.49%
1Y return: +12.15%
20D avg volume: 54,087
50 DMA: ₹1,833.57
200 DMA: ₹1,684.52

Key ratios Consolidated

Market cap: ₹1,51,904 Cr
Current price: ₹1,778.60
52W high / low: ₹1,952.00 / ₹1,299.80
Face value: ₹2.00
P/E: 26.37
P/B: —
EPS (TTM): ₹67.45
Book value / share: —
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 5.14
Net debt: ₹1,48,228 Cr
Interest cover: 1.48
Dividend yield: 0.11%
Dividend / share (TTM): ₹2.00
Payout: 2.97%
Cash conversion cycle: —

Financials

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q4 FY24	Q4 FY18	Q3 FY18	Q2 FY18	Q1 FY18
Income statement
	8,856	8,417	7,898	7,491	7,267	7,046	—	1,537	1,404	1,313	1,247
	100.39	146.83	110.47	122.04	86.29	91.34	—	0.25	0.07	0.23	0.07
	6,735	6,422	6,274	6,049	5,822	5,439	—	1,101	1,024	964.55	927.75
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	1,149	1,092	1,094	1,073	935.66	934.17	—	158.82	131.93	133.10	117.73
	4,007	3,753	3,646	3,517	3,468	3,365	—	619.22	589.59	556.09	540.31
	75.06	71.64	73.78	71.03	67.44	64.09	—	15.25	13.76	11.91	9.94
	581.13	658.21	549.94	489.77	468.33	450.73	—	144.29	—	—	—
	2,222	2,142	1,735	1,565	1,531	1,698	—	436.08	380.12	348.39	319.17
	0.00	0.00	0.00	0.00	0.00	0.00	—	0.00	0.00	0.00	0.00
	2,222	2,142	1,735	1,565	1,531	1,698	—	436.08	380.12	348.39	319.17
	567.34	497.92	445.77	406.30	394.17	439.02	—	146.99	130.40	120.39	112.18
	1,656	1,645	1,290	1,160	1,138	1,260	—	289.09	249.72	228.00	206.99
	19.43	19.33	15.29	13.78	13.53	14.98	—	—	—	—	—
Key metrics
	—	—	—	—	—	—	—	1,071	983.47	916.39	869.42
	—	—	—	—	—	—	—	69.70%	70.00%	69.80%	69.70%
	18.70%	19.50%	16.30%	15.50%	15.70%	17.90%	—	18.80%	17.80%	17.40%	16.60%
	21.90%	19.50%	—	—	—	—	—	—	—	—	—
	45.60%	30.60%	—	—	—	—	—	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY19	FY18
Income statement
	32,663	31,073	25,846	—	7,088	5,501
	479.73	465.63	306.78	—	21.21	0.62
	25,478	24,566	20,411	—	5,277	4,018
	0.00	0.00	0.00	—	—	—
	0.00	0.00	0.00	—	—	—
	4,408	4,195	3,328	—	604.68	541.58
	14,923	14,384	12,495	—	3,588	2,305
	291.51	283.89	244.83	—	56.99	50.86
	2,279	2,166	1,850	—	—	504.91
	7,664	6,973	5,741	—	1,832	1,484
	0.00	0.00	0.00	—	0.00	0.00
	7,664	6,973	5,741	—	1,832	1,484
	1,917	1,744	1,481	—	634.59	509.96
	5,751	5,233	4,263	—	1,197	973.80
	67.83	61.98	50.72	—	76.56	—
Key metrics
	—	—	—	—	5,477	3,840
	—	—	—	—	77.30%	69.80%
	17.61%	16.80%	16.50%	—	16.90%	17.70%
	—	20.20%	—	—	28.90%	—
	—	22.80%	—	—	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	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q4 FY24	Q4 FY19	Q3 FY19	Q2 FY19	Q1 FY19	Q4 FY18
Income statement
	8,833	8,392	7,875	7,470	7,245	7,025	—	1,885	1,831	1,676	1,597	1,511
	99.57	146.27	110.42	120.55	85.86	95.64	—	0.26	0.11	0.10	0.20	0.23
	6,712	6,401	6,252	6,029	5,801	5,414	—	1,424	1,367	1,216	1,158	1,073
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	1,140	1,083	1,083	1,063	924.30	921.76	—	173.40	141.66	134.25	141.27	154.95
	4,003	3,749	3,643	3,516	3,466	3,362	—	986.41	956.14	863.87	801.83	619.88
	74.17	71.03	73.14	70.36	66.79	63.43	—	14.99	15.07	12.76	12.66	14.92
	573.52	651.69	543.33	483.31	461.70	441.70	—	—	—	—	104.44	125.27
	2,220	2,137	1,733	1,561	1,530	1,706	—	461.35	463.50	459.52	438.78	438.79
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	2,220	2,137	1,733	1,561	1,530	1,706	—	461.35	463.50	459.52	438.78	438.79
	566.90	496.66	445.24	405.44	393.73	439.50	—	169.49	159.13	154.85	153.53	147.70
	1,654	1,641	1,288	1,155	1,136	1,267	—	291.86	304.37	304.67	285.25	291.09
	19.40	19.28	15.26	13.73	13.51	15.06	—	18.67	19.47	—	—	—
Key metrics
	—	—	—	—	—	—	—	1,463	1,435	1,336	1,253	1,074
	—	—	—	—	—	—	—	77.60%	78.40%	79.70%	78.50%	71.00%
	18.70%	19.60%	16.40%	15.50%	15.70%	18.00%	—	15.50%	16.60%	18.20%	17.90%	19.30%
	21.90%	19.50%	—	—	—	—	—	24.70%	—	—	—	—
	45.60%	29.50%	—	—	—	—	—	0.30%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY19	FY18
Income statement
	32,570	30,982	25,746	—	6,992	5,425
	476.81	463.10	309.19	—	0.67	0.44
	25,396	24,484	20,318	—	5,169	3,942
	0.00	0.00	0.00	—	—	—
	0.00	0.00	0.00	—	—	—
	4,368	4,153	3,281	—	590.58	527.66
	14,911	14,374	12,485	—	3,589	2,308
	288.70	281.32	242.12	—	55.48	49.68
	2,252	2,140	1,816	—	—	451.32
	7,652	6,961	5,737	—	1,823	1,483
	0.00	0.00	0.00	—	—	—
	7,652	6,961	5,737	—	1,823	1,483
	1,914	1,741	1,478	—	637.00	509.19
	5,737	5,220	4,259	—	1,186	974.12
	67.67	61.83	50.67	—	75.87	—
Key metrics
	—	—	—	—	5,467	3,841
	—	—	—	—	78.20%	70.80%
	17.62%	16.80%	16.50%	—	17.00%	18.00%
	—	20.30%	—	—	28.90%	—
	—	22.60%	—	—	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: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

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 Jun 2026

Promoter holding: 49.21%

Quarter	June 2026	December 2025
Promoter %	49.21%	49.71%

Holder	Type	Holding	Previous	Change
Cholamandalam Financial Holdings Limited	Promoter	43.74%	44.18%	-0.44%
Ambadi Investments Limited	Promoter	3.96%	4.00%	-0.04%
NPS TRUST A/C (Through Multiple Schemes)	Public	2.77%	—	—
SBI NIFTY 500 INDEX FUND A/C (Through Multiple Schemes)	Public	2.01%	—	—
AXIS MUTUAL FUND TRUSTEE LTD. A/C (Through Multiple Schemes)	Public	1.98%	—	—
KOTAK MAHINDRA TRUSTEE CO LTD A/C (Through Multiple Schemes)	Public	1.39%	—	—
GOVERNMENT PENSION FUND GLOBAL	Public	1.38%	1.06%	+0.32%
ICICI PRUDENTIAL MUTUAL FUND A/C (Through Multiple Schemes)	Public	1.28%	—	—
HDFC TRUSTEE COMPANY LTD A/C (Through Multiple Schemes)	Public	1.22%	—	—
INVESCO INDIA FOCUSED FUND (Through Multiple Schemes)	Public	1.06%	—	—
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%
Arun Alagappan	Promoter	0.10%	0.10%	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%
Lakshmi Ramaswamy Family Trust(A A Alagammai & Lakshmi Ramaswamy Trustees holds shares for Trust)	Promoter Group	0.06%	0.07%	-0.01%

Public shareholders are disclosed individually only above 1%.

Filings & corporate actions

Recent announcements

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
Closure of Trading Window6 Jul 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 28/07/2026 ,inter alia, to consider and approve ....6 Jul 2026 · Board Meeting / Board Meeting
Notice convening the 48th Annual General Meeting on 28 July, 2026 enclosed.6 Jul 2026 · AGM/EGM / AGM
Business Responsibility and Sustainability Report for the year ended 31 March, 20266 Jul 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Annual Report for FY 2025-266 Jul 2026 · Others / Reg. 34 (1) Annual Report
Enclosed copy of advertisement regarding convening of 48th AGM through Video Conference/Other Audio Visual means2 Jul 2026 · Company Update / Newspaper Publication
Company confirms allotment of 200000 units of unsecured rated listed redeemable units of subordinated ncds on 25th June 202625 Jun 2026 · Company Update / Allotment of Equity Shares
Enclosed Press Release being made for publication.25 Jun 2026 · Company Update / Press Release / Media Release
Response to clarification sought by Exchange24 Jun 2026 · Company Update / General
The Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on June 24, 2026, with reference to Movement in Volume. <BR><BR>The reply is awaited.24 Jun 2026 · Company Update / Clarification
Company confirms allotment of 10000 units of secured redeemable listed NCDs on 18th June 2026.18 Jun 2026 · Company Update / Allotment of Equity Shares
Enclosed Intimation on allotment of equity shares on exercise of ESOPs.17 Jun 2026 · Company Update / Allotment of ESOP / ESPS
Intimation on allotment of 47410 equity shares on exercise of ESOP.8 Jun 2026 · Company Update / Allotment of ESOP / ESPS
Company confirms allotment of 500000 units of secured redeemable rated listed ncds on 27th May 2026.27 May 2026 · Company Update / Allotment of Equity Shares
Enclosed the intimation on allotment of 116696 equity shares on exercise of ESOPS.27 May 2026 · Company Update / Allotment of ESOP / ESPS
Enclosed the copy of the publication of news paper in connection with the proposed transfer of equity shares to IEPFA.26 May 2026 · Company Update / Newspaper Publication
Company confirms allotment of 31700 units of secured rates redeemable listed ncds on 21st May 2026.21 May 2026 · Company Update / Allotment of Equity Shares

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 Jul 2026 Board Meeting - Financial Results