₹1,573.6
▲ +10.01 +0.64%
17 Jul 2026
NSE Listed · Finance
Cholamandalam Fin Hol Ltd. (CHOLAHLDNG)
Volume: 1,42,336Avg Vol 1W: 1,75,066Avg Vol 1M: 1,09,77752W Range:₹1,305₹2,169
Key Ratios
Checked 4h agoMarket Cap₹29,549 Cr
Current Price₹1,573.6
Previous Close₹1,563.59
High / Low (52w)₹2,169 / ₹1,305
Volume1,42,336
Avg Vol (1W)1,75,066
Avg Vol (1M)1,09,777
Stock P/E12.1
Book Value₹823
Dividend Yield8%
ROE15.8%
ROA204.42%
Revenue (TTM)₹21,142 Cr
Revenue Growth—
Profit Margin6.25%
Total Debt₹0 Cr
Shares Outstanding19 Cr
Face Value₹1
EPS (TTM)₹130.01
P/B1.91
Debt / Equity13.55
50 DMA₹1,621.21
200 DMA₹1,581.72
Day change+0.64%
Price Chart
₹1,573.6▼ 14.34% · 1Y
2025-11-252026-07-17
20-day avg volume: 1.2L shares
Pros
- Healthy return on equity of 15.8%.
- Pays a dividend yield of 8.0%.
- Company is almost debt-free.
- Revenue grew 455114557% YoY.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹548 Cr | ₹526 Cr | ₹486 Cr | ₹614 Cr | ₹579 Cr | ₹550 Cr | ₹626 Cr | ₹687 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹10,947 Cr | ₹13,136 Cr | ₹13,961 Cr | ₹14,735 Cr | ₹18,376 Cr | ₹26,087 Cr | ₹33,460 Cr | ₹15,228 Cr |
| EBITDA | ₹2,135 Cr | ₹1,806 Cr | ₹2,400 Cr | ₹3,044 Cr | ₹3,824 Cr | ₹5,200 Cr | ₹6,400 Cr | ₹0 Cr |
| Net Profit | ₹697 Cr | ₹551 Cr | ₹825 Cr | ₹1,023 Cr | ₹1,290 Cr | ₹1,773 Cr | ₹2,174 Cr | ₹0 Cr |
| EPS | 37.12 | 29.34 | 43.93 | 54.49 | 68.72 | 94.39 | 115.76 | — |
Balance Sheet
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹67,937 Cr | ₹75,855 Cr | ₹88,616 Cr | ₹97,772 Cr | ₹1,31,033 Cr | ₹1,76,918 Cr | ₹2,24,617 Cr | ₹2,68,333 Cr |
| Total Liabilities | ₹60,073 Cr | ₹66,153 Cr | ₹77,257 Cr | ₹84,143 Cr | ₹1,14,775 Cr | ₹1,54,794 Cr | ₹1,97,668 Cr | ₹2,34,453 Cr |
| Equity | ₹7,864 Cr | ₹9,702 Cr | ₹11,359 Cr | ₹13,629 Cr | ₹16,258 Cr | ₹22,124 Cr | ₹26,949 Cr | ₹15,454 Cr |
| Total Debt | — | — | — | — | — | — | — | ₹2,10,400 Cr |
Cash Flow
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating | ₹-5,242 Cr | ₹2,690 Cr | ₹-5,257 Cr | ₹-1,585 Cr | ₹-24,119 Cr | ₹-26,948 Cr | ₹-22,419 Cr | ₹-30,033 Cr |
| Investing | ₹-93 Cr | ₹-96 Cr | ₹-62 Cr | ₹-135 Cr | ₹295 Cr | ₹-2,625 Cr | ₹-1,038 Cr | ₹-2,528 Cr |
| Financing | ₹12,171 Cr | ₹2,427 Cr | ₹7,688 Cr | ₹7,073 Cr | ₹27,288 Cr | ₹38,269 Cr | ₹39,652 Cr | ₹35,650 Cr |
| Free Cash Flow | ₹-5,242 Cr | ₹2,690 Cr | ₹-5,257 Cr | ₹-1,585 Cr | ₹-24,119 Cr | ₹-26,948 Cr | ₹-22,419 Cr | ₹-30,393 Cr |
Shareholding
Promoter 46.43% Institutions 39.89% Public 13.68%
About Cholamandalam Fin Hol Ltd.
Finance · Finance & Investments
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
cholafhl.com ↗Efficiency & Working Capital
ROCE9.3%
Interest Coverage1.5
Dividend Payout—
Debtor Days2 d
Inventory Days0 d
Payable Days25 d
Cash Conversion Cycle-23 d
Working Capital Days2 d
Shareholding Details
As of 2026-06-30
Promoter46.4%
FII13%
DII26.9%
Institutions39.9%
Public13.7%
Promoter Pledge0%
No. of Shareholders44,121
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 47.4% | 47.4% | 47.4% | 47.3% | 47.3% | 46.5% | 46.5% | 46.4% | 46.4% | 46.4% | 46.4% | 46.4% |
| FIIs | 12.9% | 12.9% | 13.8% | 13.7% | 16.3% | 16.4% | 17.7% | 18.3% | 17.4% | 16.5% | 13.8% | 13% |
| DIIs | 26.7% | 26% | 25.3% | 25.5% | 23% | 22.9% | 21.8% | 21.4% | 22.5% | 23.6% | 26.1% | 26.9% |
| Public | 13% | 13.8% | 13.6% | 13.4% | 13.4% | 14.2% | 14.1% | 13.8% | 13.7% | 13.6% | 13.7% | 13.7% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 30,623 | 43,358 | 32,532 | 32,946 | 38,454 | 48,703 | 46,380 | 50,780 | 47,995 | 44,225 | 47,752 | 44,121 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Ambadi Investments Limited | Shareholding of Promoter and Promoter Group | 37.7% | 7.08 Cr |
| Nippon Life India Trustee Ltd-a/c Nippon India Nif | Public Shareholding | 4.8% | 89,77,807 |
| Sbi Large & Midcap Fund | Public Shareholding | 4.1% | 77,44,605 |
| Bandhan Multi Cap Fund | Public Shareholding | 3% | 56,51,763 |
| Axis Mutual Fund Trustee Limited A/c Axis Mutual F | Public Shareholding | 2.1% | 40,04,428 |
| Hdfc Mutual Fund - Hdfc Bse 500 Etf | Public Shareholding | 2.1% | 40,06,730 |
| Invesco India Midcap Fund | Public Shareholding | 1.2% | 22,18,049 |
| Canara Robeco Mutual Fund A/c Canara Robeco Equity | Public Shareholding | 1.2% | 21,97,724 |
| Pi Opportunities Aif V Llp | Public Shareholding | 1% | 19,04,424 |
| M A M Arunachalam | Shareholding of Promoter and Promoter Group | 0.5% | 8,42,760 |
| V Arunachalam | Shareholding of Promoter and Promoter Group | 0.4% | 7,47,622 |
| Lakshmi Ramaswamy Family Trust(aa Alagammai & Lakshmi Ramaswamy Holds Shares On Behalf Of Trust) | Shareholding of Promoter and Promoter Group | 0.4% | 7,43,000 |
| Arun Alagappan | Shareholding of Promoter and Promoter Group | 0.4% | 7,41,090 |
| Murugappa Educational And Medical Foundation | Shareholding of Promoter and Promoter Group | 0.4% | 7,26,200 |
| M.a.alagappan | Shareholding of Promoter and Promoter Group | 0.4% | 7,10,000 |
| V Narayanan | Shareholding of Promoter and Promoter Group | 0.4% | 6,89,771 |
| A Venkatachalam | Shareholding of Promoter and Promoter Group | 0.3% | 5,73,979 |
| Shambho Trust (m V Subbiah & S Vellayan Are Trustees Of The Trust) | Shareholding of Promoter and Promoter Group | 0.3% | 5,37,940 |
| M A Murugappan Holdings Llp | Shareholding of Promoter and Promoter Group | 0.3% | 5,46,860 |
| Lakshmi Chocka Lingam | Shareholding of Promoter and Promoter Group | 0.3% | 5,42,060 |
| M A Alagappan Holdings Private Limited | Shareholding of Promoter and Promoter Group | 0.3% | 5,29,860 |
| Meenakshi Murugappan Family Trust (m M Murugappan & Meenakshi Murugappan Are Trustees Of The Trust) | Shareholding of Promoter and Promoter Group | 0.3% | 5,00,000 |
| Saraswathi Trust (m V Subbiah, S Vellayan & M V Seetha Subbiah Are Trustees Of The Trust) | Shareholding of Promoter and Promoter Group | 0.3% | 5,15,180 |
| Mm Veerappan Family Trust(mm Murugappan & Meenakshi Murugappan Holds Shares On Behalf Of The Trust) | Shareholding of Promoter and Promoter Group | 0.3% | 4,68,055 |
| M M Muthiah Family Trust (m M Murugappan & M M Muthiah Holds Shares On Behalf Of The Trust) | Shareholding of Promoter and Promoter Group | 0.3% | 4,78,055 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| M A M Arunachalam (in The Capacity Of Karta Of Huf) | 0 | 0% | 2026-06-30 |
| M A Alagappan Huf(m A Alagappan Hold Shares In The Capacity As Kartha ) | 0 | 0% | 2026-06-30 |
| M M Muthiah Huf (m M Murugappan Hold Shares In The Capacity As Kartha) | 0 | 0% | 2026-06-30 |
| M M Murugappan Huf(m M Murugappan Holds Shares In The Capacity As Kartha) | 0 | 0% | 2026-06-30 |
| Valli Annamalai | 7,000 | 1.9% | 2026-06-30 |
| M A M Arunachalam | 0 | 0% | 2026-06-30 |
| Arun Alagappan | 0 | 0% | 2026-06-30 |
| M.a.alagappan | 2,000 | 0.3% | 2026-06-30 |
| Lakshmi Chocka Lingam | 0 | 0% | 2026-06-30 |
| M M Venkatachalam | 0 | 0% | 2026-06-30 |
| Lakshmi Venkatachalam | 0 | 0% | 2026-06-30 |
| Lalitha Vellayan | 0 | 0% | 2026-06-30 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| M M Murugappan | Chairman & Non Executive Director | 2025 |
| Sridharan Rangarajan | Non-Executive & Non-Independent Director | 2025 |
| B Ramaratnam | Independent Director | 2025 |
| Vasudha Sundararaman | Independent Director | 2025 |
| Vellayan Subbiah | Non-Executive & Non-Independent Director | 2025 |
| K Balasubramanian | Independent Director | 2025 |
| E Krithika | Company Sec. & Compli. Officer | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| CYCLES AND ACCESSORIES | ₹1,477 Cr | 39% |
| ENGINEERING | ₹1,405 Cr | 37.1% |
| METAL FORMED PRODUCTS | ₹908 Cr | 24% |
Segments — Geography
| Region | Revenue | Share |
|---|---|---|
| India | ₹3,716 Cr | 94.3% |
| Rest of the World | ₹225 Cr | 5.7% |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹1 | 43 | 19 | 19 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-08-14 | Board Meetings | — |
| forthcoming | 2026-08-07 | Dividend (1.3/- per share) | Final |
| dividend | 2025-08-01 | ₹1.3 (130%) | Final |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 86 | 0 | 0 | 1 | 1 | 93 |
| 2025 | 2 | 0 | 0 | 1 | 1 | 8 |
| 2025 | 85 | 0 | 0 | 0 | 0 | 85 |
Insider / Designated-Person Trades
5 recent disclosure(s)
LAKSHMI VENKATACHALAMRevoke · 1,200
LAKSHMI RAMASWAMY FAMILY TRUST RevisedPledge · 1,25,000
LAKSHMI RAMASWAMY FAMILY TRUSTPledge · 1,25,000
Saraswathi TrustDisposal · 23,000
Lalitha VellayanDisposal · 3,07,160
Company Information
Incorporated1949
ChairmanM M Murugappan
AuditorSharp & Tannan Associates/R G N Price & Co
Investor Email[email protected]
📍 Dare House, 234 N S C Bose Road, Chennai, Tamil Nadu, 600001
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