₹1,795
▲ +5.9 +0.33%
17 Jul 2026
NSE Listed
Cholamandalam In & Fin Co (CHOLAFIN)
20-day avg volume: 18.2L shares
- Healthy return on equity of 17.2%.
- Pays a dividend yield of 11.0%.
- Company is almost debt-free.
- Net profit is growing year over year.
- Revenue fell 18% YoY.
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹947 Cr | ₹968 Cr | ₹1,088 Cr | ₹1,260 Cr | ₹1,138 Cr | ₹1,160 Cr | ₹1,290 Cr | ₹1,645 Cr |
| EPS | — | — | — | — | — | — | — | — |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹7,109 Cr | ₹8,713 Cr | ₹9,584 Cr | ₹10,232 Cr | ₹13,106 Cr | ₹19,420 Cr | ₹26,153 Cr | ₹31,539 Cr |
| EBITDA | ₹1,832 Cr | ₹1,588 Cr | ₹2,048 Cr | ₹2,908 Cr | ₹3,615 Cr | ₹4,605 Cr | ₹5,741 Cr | ₹6,973 Cr |
| Net Profit | ₹1,198 Cr | ₹1,054 Cr | ₹1,521 Cr | ₹2,154 Cr | ₹2,665 Cr | ₹3,420 Cr | ₹4,263 Cr | ₹5,233 Cr |
| EPS | 15.3 | 13.37 | 18.52 | 26.19 | 32.38 | 41.06 | 50.6 | 61.83 |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹57,490 Cr | ₹64,058 Cr | ₹74,644 Cr | ₹82,479 Cr | ₹1,13,627 Cr | ₹1,56,686 Cr | ₹2,01,887 Cr | ₹2,45,448 Cr |
| Total Liabilities | ₹51,281 Cr | ₹55,859 Cr | ₹65,044 Cr | ₹70,710 Cr | ₹99,281 Cr | ₹1,37,093 Cr | ₹1,78,218 Cr | ₹2,14,990 Cr |
| Equity | ₹6,209 Cr | ₹8,200 Cr | ₹9,600 Cr | ₹11,769 Cr | ₹14,346 Cr | ₹19,593 Cr | ₹23,669 Cr | ₹30,458 Cr |
| Total Debt | — | — | — | — | — | — | — | — |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating | ₹-4,973 Cr | ₹2,999 Cr | ₹-3,953 Cr | ₹-868 Cr | ₹-21,185 Cr | ₹-26,074 Cr | ₹-19,556 Cr | ₹-14,826 Cr |
| Investing | ₹-11 Cr | ₹-54 Cr | ₹-1,572 Cr | ₹1,640 Cr | ₹-2,148 Cr | ₹-2,855 Cr | ₹-2,948 Cr | ₹-2,554 Cr |
| Financing | ₹12,191 Cr | ₹2,452 Cr | ₹8,516 Cr | ₹5,150 Cr | ₹27,466 Cr | ₹38,471 Cr | ₹39,795 Cr | ₹35,610 Cr |
| Free Cash Flow | ₹-4,973 Cr | ₹2,999 Cr | ₹-3,953 Cr | ₹-868 Cr | ₹-21,185 Cr | ₹-26,074 Cr | ₹-19,556 Cr | ₹-14,826 Cr |
Financial Services · Credit Services
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.
www.cholamandalam.com ↗As of 2026-03-31
Quarterly — figures in %. Latest 12 quarters.
| Period | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 51.5% | 51.4% | 50.4% | 50.4% | 50.3% | 50.2% | 49.9% | 49.9% | 49.9% | 49.9% | 49.7% | 49.3% |
| FIIs | 20.9% | 21.5% | 24.7% | 26% | 26.6% | 27.2% | 27.4% | 28.2% | 28% | 26.9% | 26.6% | 24.9% |
| DIIs | 18.6% | 20% | 18.4% | 17% | 16.9% | 16.6% | 16.1% | 15.5% | 16.1% | 17.3% | 17.6% | 19.9% |
| Public | 9% | 7% | 6.5% | 6.6% | 6.2% | 6% | 6.5% | 6.4% | 6.1% | 6% | 6.2% | 6% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 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 | 1,60,428 |
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202603 | — | — | — | — |
| Name | Category | Stake | Shares |
|---|---|---|---|
| Cholamandalam Financial Holdings Limited | Shareholding of Promoter and Promoter Group | 43.8% | 37.29 Cr |
| Ambadi Investments Limited | Shareholding of Promoter and Promoter Group | 4% | 3.37 Cr |
| Nps Trust A/c - Sbi Pension Funds Pvt. Ltd. - Nps | Public Shareholding | 2.7% | 2.31 Cr |
| Sbi Arbitrage Opportunities Fund (through Multiple Schemes) | Public Shareholding | 1.8% | 1.53 Cr |
| Axis Mutual Fund Trustee Limited A/c (through Multiple Schemes) | Public Shareholding | 1.8% | 1.51 Cr |
| New World Fund Inc | Public Shareholding | 1.6% | 1.38 Cr |
| Kotak Midcap Fund (through Multiple Schemes) | Public Shareholding | 1.6% | 1.38 Cr |
| Invesco India Multi Asset Allocation Fund (through Multiple Schemes) | Public Shareholding | 1.6% | 1.36 Cr |
| Icici Prudential (through Multiple Schemes) | Public Shareholding | 1.2% | 1.02 Cr |
| Hdfc Trustee Company Ltd. A/c (through Multiple Schemes) | Public Shareholding | 1.2% | 1.01 Cr |
| Government Pension Fund Global | Public Shareholding | 1.1% | 89,34,755 |
| M.a.alagappan | Shareholding of Promoter and Promoter Group | 0.3% | 24,88,760 |
| Shambho Trust (m V Subbiah & S Vellayan,trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.2% | 13,50,284 |
| Arun Alagappan | Shareholding of Promoter and Promoter Group | 0.1% | 8,65,000 |
| Saraswathi Trust (m V Subbiah, S Vellayan & M V Seetha Subbiah, Trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.1% | 7,79,785 |
| Lakshmi Ramaswamy Family Trust(a A Alagammai & Lakshmi Ramaswamy Trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.1% | 5,50,630 |
| Ar Lakshmi Achi Trust | Shareholding of Promoter and Promoter Group | 0.1% | 4,77,145 |
| A Venkatachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,93,990 |
| V Narayanan | Shareholding of Promoter and Promoter Group | 0.1% | 4,64,082 |
| V Arunachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,52,598 |
| Arun Venkatachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,10,750 |
| M.a.alagappan (holds Shares In The Capacity Of Partner Of Kadamane Estates - Firm) | Shareholding of Promoter and Promoter Group | 0% | 3,55,850 |
| Pranav Alagappan | Shareholding of Promoter and Promoter Group | 0% | 3,11,440 |
| Valli Annamalai | Shareholding of Promoter and Promoter Group | 0% | 2,96,890 |
| Ambadi Enterprises Ltd | Shareholding of Promoter and Promoter Group | 0% | 2,91,380 |
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| M.a.alagappan (holds Shares In The Capacity Of Partner Of Kadamane Estates - Firm) | 0 | 0% | 2026-03-31 |
| Valli Annamalai | 0 | 0% | 2026-03-31 |
| Valli Subbiah | 0 | 0% | 2026-03-31 |
| M A M Arunachalam | 0 | 0% | 2026-03-31 |
| Arun Alagappan | 0 | 0% | 2026-03-31 |
| M.a.alagappan | 0 | 0% | 2026-03-31 |
| Lakshmi Chockalingam | 0 | 0% | 2026-03-31 |
| M M Venkatachalam | 0 | 0% | 2026-03-31 |
| Lakshmi Venkatachalam | 0 | 0% | 2026-03-31 |
| Lalitha Vellayan | 0 | 0% | 2026-03-31 |
| Meyyammai Venkatachalam | 0 | 0% | 2026-03-31 |
| S Vellayan | 0 | 0% | 2026-03-31 |
| Name | Designation | Year |
|---|---|---|
| Vellayan Subbiah | Executive Chairman & WTD | 2026 |
| N Ramesh Rajan | Independent Non Exe. Director | 2026 |
| Bhama Krishnamurthy | Independent Non Exe. Director | 2026 |
| Arunachalam Murugappa Arunachalam Murugappan | Non Executive Director | 2026 |
| Anand Kumar | Independent Non Exe. Director | 2026 |
| M R Kumar | Independent Non Exe. Director | 2026 |
| Ramkumar Ramamoorthy | Independent Non Exe. Director | 2026 |
| Ravindra Kumar Kundu | Managing Director & CEO | 2026 |
| P Sujatha | Company Sec. & Compli. Officer | 2026 |
| Segment | Revenue | Share |
|---|---|---|
| Vehicle finance | ₹16,335 Cr | 54.3% |
| Home equity | ₹5,986 Cr | 19.9% |
| Home Loans | ₹3,174 Cr | 10.6% |
| Others | ₹4,562 Cr | 15.2% |
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2026 | ₹2 | 240 | 171 | 170 |
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-07-28 | Board Meetings | — |
| forthcoming | 2026-07-21 | Dividend (0.7/- per share) | Final |
| dividend | 2026-02-05 | ₹1.3 (65%) | Interim |
| dividend | 2025-07-24 | ₹0.7 (35%) | Final |
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 1,481 | 0 | 47 | 24 | 805 | 2,434 |
| 2025 | 968 | 0 | 43 | 0 | 46 | 1,056 |
| 2025 | 118 | 0 | 1 | 24 | 750 | 968 |
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📍 Dare House No 2 N S C Bose Rd, Parrys, Chennai, Tamil Nadu, 600001
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