Debut Plus

1,805.5

+16.46 +0.92%

17 Jul 2026

NSE Listed · Financial Services

Cholamandalam In & Fin Co (CHOLAFIN)

Volume: 3,41,802Avg Vol 1W: 9,10,023Avg Vol 1M: 16,00,68552W Range:1,299.41,875
Market Cap₹1,53,935 Cr
Current Price₹1,805.5
Previous Close₹1,789.04
High / Low (52w)₹1,875 / ₹1,299.4
Volume3,41,802
Avg Vol (1W)9,10,023
Avg Vol (1M)16,00,685
Stock P/E29.39
Book Value₹357.06
Dividend Yield11%
ROE17.18%
ROA213.19%
Revenue (TTM)₹13,153 Cr
Revenue Growth24.1%
Profit Margin16.84%
Total Debt₹2,11,156 Cr
Shares Outstanding85 Cr
Face Value
EPS (TTM)₹61.43
P/B5.06
Debt / Equity7.13
50 DMA₹1,646.36
200 DMA₹1,647.72
Day change+0.92%
Price Chart
1,805.5 15.42% · 1Y
1853135593.8L
2025-07-17
2026-07-17

20-day avg volume: 16.7L shares

Pros
  • Healthy return on equity of 17.2%.
  • Pays a dividend yield of 11.0%.
  • Company is almost debt-free.
  • Revenue grew 21% YoY.
  • Net profit is growing year over year.
Quarterly Results
MetricJun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 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
Profit & Loss (Annual)
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
EPS15.313.3718.5226.1932.3841.0650.661.83
Balance Sheet
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Cash Flow
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Shareholding
Promoter 49.25% Institutions 44.79% Public 5.96%
About Cholamandalam In & Fin Co

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
Efficiency & Working Capital
ROCE8.8%
Interest Coverage1.5
Dividend Payout
Debtor Days4 d
Inventory Days0 d
Payable Days2 d
Cash Conversion Cycle1 d
Working Capital Days4 d
Shareholding Details

As of 2026-03-31

Promoter49.3%
FII24.9%
DII19.9%
Institutions44.8%
Public6%
Promoter Pledge0%
No. of Shareholders1,60,428
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodJun 2023Sept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Promoters51.5%51.4%50.4%50.4%50.3%50.2%49.9%49.9%49.9%49.9%49.7%49.3%
FIIs20.9%21.5%24.7%26%26.6%27.2%27.4%28.2%28%26.9%26.6%24.9%
DIIs18.6%20%18.4%17%16.9%16.6%16.1%15.5%16.1%17.3%17.6%19.9%
Public9%7%6.5%6.6%6.2%6%6.5%6.4%6.1%6%6.2%6%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders1,40,5461,46,8151,40,6361,55,0551,43,0971,46,8891,76,2311,78,4711,83,9331,65,0681,70,0501,60,428
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202603
Major Shareholders (>1%)
NameCategoryStakeShares
Cholamandalam Financial Holdings LimitedShareholding of Promoter and Promoter Group43.8%37.29 Cr
Ambadi Investments LimitedShareholding of Promoter and Promoter Group4%3.37 Cr
Nps Trust A/c - Sbi Pension Funds Pvt. Ltd. - NpsPublic Shareholding2.7%2.31 Cr
Sbi Arbitrage Opportunities Fund (through Multiple Schemes)Public Shareholding1.8%1.53 Cr
Axis Mutual Fund Trustee Limited A/c (through Multiple Schemes)Public Shareholding1.8%1.51 Cr
New World Fund IncPublic Shareholding1.6%1.38 Cr
Kotak Midcap Fund (through Multiple Schemes)Public Shareholding1.6%1.38 Cr
Invesco India Multi Asset Allocation Fund (through Multiple Schemes)Public Shareholding1.6%1.36 Cr
Icici Prudential (through Multiple Schemes)Public Shareholding1.2%1.02 Cr
Hdfc Trustee Company Ltd. A/c (through Multiple Schemes)Public Shareholding1.2%1.01 Cr
Government Pension Fund GlobalPublic Shareholding1.1%89,34,755
M.a.alagappanShareholding of Promoter and Promoter Group0.3%24,88,760
Shambho Trust (m V Subbiah & S Vellayan,trustees Holds Shares For Trust)Shareholding of Promoter and Promoter Group0.2%13,50,284
Arun AlagappanShareholding of Promoter and Promoter Group0.1%8,65,000
Saraswathi Trust (m V Subbiah, S Vellayan & M V Seetha Subbiah, Trustees Holds Shares For Trust)Shareholding of Promoter and Promoter Group0.1%7,79,785
Lakshmi Ramaswamy Family Trust(a A Alagammai & Lakshmi Ramaswamy Trustees Holds Shares For Trust)Shareholding of Promoter and Promoter Group0.1%5,50,630
Ar Lakshmi Achi TrustShareholding of Promoter and Promoter Group0.1%4,77,145
A VenkatachalamShareholding of Promoter and Promoter Group0.1%4,93,990
V NarayananShareholding of Promoter and Promoter Group0.1%4,64,082
V ArunachalamShareholding of Promoter and Promoter Group0.1%4,52,598
Arun VenkatachalamShareholding of Promoter and Promoter Group0.1%4,10,750
M.a.alagappan (holds Shares In The Capacity Of Partner Of Kadamane Estates - Firm)Shareholding of Promoter and Promoter Group0%3,55,850
Pranav AlagappanShareholding of Promoter and Promoter Group0%3,11,440
Valli AnnamalaiShareholding of Promoter and Promoter Group0%2,96,890
Ambadi Enterprises LtdShareholding of Promoter and Promoter Group0%2,91,380
Promoter Pledges
HolderPledged Shares% of HoldingAs of
M.a.alagappan (holds Shares In The Capacity Of Partner Of Kadamane Estates - Firm)00%2026-03-31
Valli Annamalai00%2026-03-31
Valli Subbiah00%2026-03-31
M A M Arunachalam00%2026-03-31
Arun Alagappan00%2026-03-31
M.a.alagappan00%2026-03-31
Lakshmi Chockalingam00%2026-03-31
M M Venkatachalam00%2026-03-31
Lakshmi Venkatachalam00%2026-03-31
Lalitha Vellayan00%2026-03-31
Meyyammai Venkatachalam00%2026-03-31
S Vellayan00%2026-03-31
Board of Directors
NameDesignationYear
Vellayan SubbiahExecutive Chairman & WTD2026
N Ramesh RajanIndependent Non Exe. Director2026
Bhama KrishnamurthyIndependent Non Exe. Director2026
Arunachalam Murugappa Arunachalam MurugappanNon Executive Director2026
Anand KumarIndependent Non Exe. Director2026
M R KumarIndependent Non Exe. Director2026
Ramkumar RamamoorthyIndependent Non Exe. Director2026
Ravindra Kumar KunduManaging Director & CEO2026
P SujathaCompany Sec. & Compli. Officer2026
Segments — Product
SegmentRevenueShare
Vehicle finance₹16,335 Cr54.3%
Home equity₹5,986 Cr19.9%
Home Loans₹3,174 Cr10.6%
Others₹4,562 Cr15.2%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2026₹2240171170
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-28Board Meetings
forthcoming2026-07-21Dividend (0.7/- per share)Final
dividend2026-02-05₹1.3 (65%)Interim
dividend2025-07-24₹0.7 (35%)Final
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
20251,481047248052,434
20259680430461,056
20251180124750968
Insider / Designated-Person Trades

30 recent disclosure(s)

Lakshmi Ramaswamy Family TrustPledge · 1,25,000
R ChandrasekarDisposal · 56,000
R ChandrasekarRevoke · 56,000
Reji AbrahamDisposal · 3,200
Vijay Kini MPledge · 10,000
Vijay Kini MAcquisition · 20,000
Substantial Acquisitions (SAST)

1 disclosure(s)

Market13/11/2024 · 1,99,177
Company Information
Incorporated1978
ChairmanVellayan Subbiah
AuditorB K Khare & Co/KKC & Associates LLP
Investor Email[email protected]
🌐 www.cholamandalam.com

📍 Dare House No 2 N S C Bose Rd, Parrys, Chennai, Tamil Nadu, 600001

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