CHOLAMANDALAM IN & FIN CO·NBFC 58.19COMMERCIAL VEHICLE FINANCE 62.25·Finance Companies

Price

1,791.9

+1.27%
O:1767
H:1805.9
L:1755.3
C:1791.9

52W Range

1299.41875
+38%/-4%

Market Cap

₹1,52,757.42 Cr

Traded: ₹230.25 Cr (0.15%) 0.0x

Free Float: ₹9,089.07 Cr (2.53% of FF traded)

Volume · 60D trend

12.91 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:+6% 3M:+6% 6M:+7% 12M:+5%

Valuation

P/E28.9
P/B5.0
P/S--
EV/EBIT--

Business Strength

ROE19.7%
ROCE10.3%
OPM--
NPM--

Growth (3Y CAGR)

EPS+21.1%
Sales+34.0%
Profit+25.0%
3Y Return+22.0%

Balance Sheet

Debt/Equity6.9
Debt2,11,070 Cr
Pledge0.0%
CWIP/Fixed Asset1.5%

Cash Position

CFO/NP--
FCF-32,600 Cr
FCF 3Y Avg-1,01,953 Cr
Cash/MCap9.0%

Others

Div Yield0.1%
Div Payout3.0%
Cash Conv. Cycle--
Tradeable Free Float6.0%

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 30.29 Cr
0.33% FF
60d high
₹ 61.40 Cr
60d low
₹ 24.88 Cr
60d mean
₹ 43.05 Cr
vs mean
▼ 29.64%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
ROE
+19.0%
+20.0%
+20.0%
--
--
Stable
Return
+25.0%
+22.0%
+22.0%
+5.0%
--
Stable
Sales
+22.0%
+27.0%
+34.0%
--
+20.0%
Stable
Profit
+25.0%
+28.0%
+25.0%
--
+23.0%
Decelerating

Quarterly Results

Mar 2026

30 Apr
Rev
--
----
OPM--
NPM--
PAT
+31% YoY1.6K Cr
EPS
+29% YoY19.3

Dec 2025

30 Jan
Rev
--
----
OPM--
NPM--
PAT
+19% YoY1.3K Cr
EPS
+18% YoY15.3

Sep 2025

Rev
--
----
OPM--
NPM--
PAT
+20% YoY1.2K Cr
EPS
+20% YoY13.8

Jun 2025

Rev
--
----
OPM--
NPM--
PAT
+20% YoY1.1K Cr
EPS
+20% YoY13.5

Mar 2025

Rev
--
----
OPM--
NPM--
PAT
+18% YoY1.3K Cr
EPS
+18% YoY15.0

Dec 2024

Rev
--
----
OPM--
NPM--
PAT
+25% YoY1.1K Cr
EPS
+25% YoY12.9

Sep 2024

Rev
--
----
OPM--
NPM--
PAT
+25% YoY968 Cr
EPS
+23% YoY11.5

Jun 2024

Rev
--
----
OPM--
NPM--
PAT
+33% YoY947 Cr
EPS
+30% YoY11.3

Mar 2024

Rev
--
----
OPM--
NPM--
PAT
+25% YoY1.1K Cr
EPS
+22% YoY12.7

Dec 2023

Rev
--
----
OPM--
NPM--
PAT
+27% YoY872 Cr
EPS
+25% YoY10.4

Sep 2023

Rev
--
----
OPM--
NPM--
PAT
+37% YoY773 Cr
EPS
--9.4

Jun 2023

Rev
--
----
OPM--
NPM--
PAT
+26% YoY710 Cr
EPS
--8.6

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
+25% YoY855 Cr
EPS
--10.4

Dec 2022

Rev
--
----
OPM--
NPM--
PAT
+30% YoY685 Cr
EPS
--8.3

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage--x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow--
Investing Cash Flow--
Financing Cash Flow--
Free Cash Flow-32.6K Cr

Detailed Financials

Mar 2026
Dec 2025
Sep 2025
Jun 2025
Mar 2025
Dec 2024
Sep 2024
Jun 2024
Mar 2024
Dec 2023
Sep 2023
Jun 2023
Mar 2023
Dec 2022
Sales----------------------------
Expenses2,5972,5542,4602,2862,0102,0381,8971,7271,4171,4121,3911,174902912
Operating Profit----------------------------
OPM %----------------------------
Other Income148111123879210568451054773719352
Interest3,7533,6463,5173,4683,3653,2753,0592,7962,5792,4412,2042,0061,7341,543
Depreciation7274716764596359754639393630
Profit Before Tax2,1431,7361,5661,5321,6991,4661,3051,2751,4441,1561,0629521,163923
Tax %23.0%26.0%26.0%26.0%26.0%26.0%26.0%26.0%26.0%25.0%27.0%25.0%26.0%26.0%
Net Profit1,6451,2901,1601,1381,2601,0889689471,065872773710855685
Exceptional Items----------------------------
EPS (Rs)19.315.313.813.515.012.911.511.312.710.49.48.610.48.3
Sales Growth (YoY)----------------------------
Sales Growth (QoQ)----------------------------
OP Growth (YoY)----------------------------
OP Growth (QoQ)----------------------------
Profit Growth (YoY)31.0%19.0%20.0%20.0%18.0%25.0%25.0%33.0%25.0%27.0%37.0%26.0%25.0%30.0%
EPS Growth (YoY)28.9%18.1%19.6%20.1%18.1%24.5%22.6%30.4%21.9%24.7%--------
EPS Growth (QoQ)26.4%10.9%1.9%-9.7%15.8%12.3%2.2%-11.1%22.0%10.5%8.8%-16.9%24.9%--
OP Margin----------------------------
Net Margin----------------------------
Material Cost %----------------------------
Employee Cost %--13.8%14.3%12.9%13.3%13.3%12.9%11.9%14.3%13.9%13.8%9.1%11.0%11.1%
P/S----------------------------
P/E28.9526.98------------------------
P/B5.025.10------------------------

Shareholding Pattern

Shareholders:1.6L (+32.4%)
Current MixMar 2026

Exchange Filings

50
Company Update08 Jul 2026

Intimation on conversion of CCDs into equity shares

Company Update08 Jul 2026

Allotment of 71465 equity shares on exercise of ESOPs

Company Update07 Jul 2026

Enclosed Newspaper advertisement copy regarding the dispatch of Annual Report and notice for the 48th AGM to the Shareholders.

Insider Trading / SAST06 Jul 2026

Closure of Trading Window

Board Meeting06 Jul 2026

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 ....

Others06 Jul 2026

Business Responsibility and Sustainability Report for the year ended 31 March, 2026

AGM/EGM06 Jul 2026

Notice convening the 48th Annual General Meeting on 28 July, 2026 enclosed.

Others06 Jul 2026

Annual Report for FY 2025-26

Company Update02 Jul 2026

Enclosed copy of advertisement regarding convening of 48th AGM through Video Conference/Other Audio Visual means

Company Update25 Jun 2026

Company confirms allotment of 200000 units of unsecured rated listed redeemable units of subordinated ncds on 25th June 2026

Company Update25 Jun 2026

Enclosed Press Release being made for publication.

Company Update24 Jun 2026

Response to clarification sought by Exchange

Company Update24 Jun 2026

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.

BSE
Company Update18 Jun 2026

Company confirms allotment of 10000 units of secured redeemable listed NCDs on 18th June 2026.

Company Update17 Jun 2026

Enclosed Intimation on allotment of equity shares on exercise of ESOPs.

Company Update08 Jun 2026

Intimation on allotment of 47410 equity shares on exercise of ESOP.

Company Update27 May 2026

Company confirms allotment of 500000 units of secured redeemable rated listed ncds on 27th May 2026.

Company Update27 May 2026

Enclosed the intimation on allotment of 116696 equity shares on exercise of ESOPS.

Company Update26 May 2026

Enclosed the copy of the publication of news paper in connection with the proposed transfer of equity shares to IEPFA.

Company Update21 May 2026

Company confirms allotment of 31700 units of secured rates redeemable listed ncds on 21st May 2026.

Company Update11 May 2026

Intimation on upload of transcript of Earnings call in Company''s website.

Company Update05 May 2026

Company confirms allotment of 50000 units of secured listed redeemable rated ncds on 5th May 2026.

Company Update04 May 2026

Audio Recording of the Earnings Call held on 4 May, 2026

Company Update30 Apr 2026

Enclosed Investor Presentation for the quarter ended 31.3.2026

Corp. Action30 Apr 2026

Recommendation of Final Dividend

Result30 Apr 2026

Financial results for the quarter and year ended 31 March, 2026

Corp. Action30 Apr 2026

Record date for Final Dividend

Company Update30 Apr 2026

Convening of Annual General Meeting on 28 July, 2026

Board Meeting30 Apr 2026

Outcome of the Board meeting

Board Meeting21 Apr 2026

Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/04/2026 ,inter alia, to consider and approve ....

Company Update21 Apr 2026

Intimation on schedule of Investors Meet.

Company Update20 Apr 2026

Intimation on allotment of 287232 equity shares on exercise of ESOPs.

Company Update15 Apr 2026

Enclosed the Reg.74(5) of SEBI (DP) Regulations for March, 2026.

Board Meeting06 Apr 2026

Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/04/2026 ,inter alia, to consider and approve ....

Insider Trading / SAST06 Apr 2026

Intimation on closure of Trading Window.

Company Update25 Mar 2026

Enclosed Reg.30 intimation.

Company Update20 Mar 2026

Company confirms allotment of 200000 units of secured reedemable listed NCDs on 20th March 2026

Company Update12 Mar 2026

Intimation on allotment of 187541 shares on exercise of ESOPs

AGM/EGM10 Mar 2026

Enclosed the Postal Ballot e-voting results and Scrutinizer''s report.

AGM/EGM10 Mar 2026

Enclosed the Postal Ballot e-voting results and the Scrutinizer"s Report.

Company Update27 Feb 2026

Company confirms allotment of 83100 units of secured redeemable ncds on 27th Feb 2026.

Company Update26 Feb 2026

Clarification regarding news item appearing in moneycontrol.in

Others26 Feb 2026

Clarification/confirmation regarding news item appearing in moneycontrol.com

Company Update26 Feb 2026

The Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on February 26, 2026, with reference to news appeared in https://www.moneycontrol.com/ dated ....

BSE
Company Update23 Feb 2026

Company confirms allotment of 100000 units of unsecured redeemable listed ncds in sub debt form on 23rd Feb 2026.

Company Update20 Feb 2026

Intimation on allotment of 160,176 shares on exercise of ESOPs

Company Update10 Feb 2026

Company confirms allotment of 104000 units of secured listed redeemable NCDs on 10th Feb 2026

Company Update09 Feb 2026

Intimation on upload of transcript of Earnings call in Company''s website.

Company Update07 Feb 2026

Advertisement on despatch of notice of postal ballot & e-voting to shareholders

AGM/EGM06 Feb 2026

Intimation on despatch of postal ballot notice.

Annual Reports

15

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

2011

Credit Ratings

6
crisilRating update
30 Dec 2025Report
icraRating update
crisilRating update
careRating update
crisilRating update
careRating update

Concalls

37

Feb 2026

28 Feb 2026

Dec 2025

31 Dec 2025

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

May 2025

31 May 2025

Feb 2025

28 Feb 2025

Oct 2024

31 Oct 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Jan 2024

31 Jan 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Nov 2022

30 Nov 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

May 2021

31 May 2021

Feb 2021

28 Feb 2021

Oct 2020

31 Oct 2020

Apr 2020

30 Apr 2020

Feb 2020

29 Feb 2020

Nov 2019

30 Nov 2019

Jul 2019

31 Jul 2019

Apr 2019

30 Apr 2019

Jan 2019

31 Jan 2019

Nov 2018

30 Nov 2018

Sep 2018

30 Sept 2018

May 2018

31 May 2018

Feb 2018

28 Feb 2018

Nov 2017

30 Nov 2017

Aug 2017

31 Aug 2017

Jun 2017

30 Jun 2017

May 2017

31 May 2017

Held by ETFs

41 ETFs hold CHOLAFIN · sorted by weight

#ETFWeight %
1

NEXT50BETA

UTIAMC-NEXT50BETA

3.16%
2

NEXT50ETF

KOTAKMAMC - NEXT50ETF

2.62%
3

SNXT50BETA

UTIAMC-SNXT50BETA

2.79%
4

FINIETF

ICICIPRAMC-ICICIFIN

3.86%
5

NEXT50

MIRAEAMC - MANXT50

2.62%
6

NEXT50IETF

ICICIPRAMC - ICICINXT50

2.62%
7

SETFNN50

SBI-ETF NIFTY NEXT 50

2.61%
8

MONEXT50

MOTILALAMC - MONEXT50

2.61%
9

ABSLNN50ET

BIRLASLAMC - ABSLNN50ET

2.61%
10

NEXT50ADD

DSPAMC - NEXT50ADD

2.61%
11

GROWWNXT50

GROWWAMC - GROWWNXT50

2.60%
12

JUNIORBEES

NIP IND ETF JUNIOR BEES

2.61%
13

SETFSN50

SBI MUTUAL FUND

2.45%
14

ENEXT50

EDELAMC - ENEXT50

2.62%
15

HDFCMOMENT

HDFCAMC - HDFCMOMENT

2.11%
16

MOMENTUM30

KOTAKMAMC - MOMENTUM30

2.11%
17

MOMENTUM

BIRLASLAMC - MOMENTUM

2.11%
18

MOMENTUM50

MOTILALAMC - MOMENTUM50

1.72%
19

MOM30IETF

ICICIPRAMC - ICICIMOM30

2.11%
20

GROWWMOM50

GROWWAMC - GROWWMOM50

1.72%
21

NIFTY100EW

KOTAKMAMC - NIFTY100EW

0.97%
22

BFSI

MIRAEAMC - MAFSETF

2.18%
23

ESG

MIRAEAMC - MAESGETF

0.73%
24

HDFCNIF100

HDFCAMC - HDFCNIF100

0.58%
25

LICNFNHGP

LICNAMC - LICNFNHGP

0.57%
26

MSCIADD

DSPAMC - MSCIADD

0.51%
27

MSCIINDIA

KOTAKMAMC - MSCIINDIA

0.51%
28

ABSLMSCIN

BIRLASLAMC - ABSLMSCIN

0.51%
29

EQUAL200

MIRAEAMC - EQUAL200

0.50%
30

TOP100CASE

ZERODHAAMC - TOP100CASE

0.49%
31

NIF100IETF

ICICI PRUD NIFTY 100 ETF

0.49%
32

NIF100BEES

NIP IND ETF NIFTY 100

0.49%
33

SETFBSE100

SBI MUTUAL FUND

0.49%
34

MONIFTY100

MOTILALAMC - MONIFTY100

0.49%
35

GROWWN200

GROWWAMC - GROWWN200

0.39%
36

BSE500IETF

ICICIPRAMC - ICICI500

0.35%
37

HDFCBSE500

HDFCAMC - HDFCBSE500

0.40%
38

MONIFTY500

MOTILALAMC - MONIFTY500

0.34%
39

MULTICAP

MIRAEAMC - MULTICAP

0.25%
40

ELM250

EDELAMC - ELM250

0.24%
41

AONETOTAL

AONEAMC - AONETOTAL

0.33%

Held by Mutual Funds

15 schemes hold CHOLAFIN · sorted by weight

#SchemeWeight %
1

HSBC Aggressive Hybrid Fund

HSBC Mutual Fund

1.43%
2

Nippon India Nifty 500 Momentum 50 Index Fund

Nippon India Mutual Fund

1.72%
3

HSBC ELSS Tax Saver Fund

HSBC Mutual Fund

1.16%
4

SBI Balanced Advantage Fund

SBI Mutual Fund

0.93%
5

HSBC Conservative Hybrid Fund

HSBC Mutual Fund

0.69%
6

HSBC Business Cycles Fund

HSBC Mutual Fund

0.71%
7

SBI Large Cap Direct Plan-Growth

SBI Mutual Fund

1.90%
8

Edelweiss Mid Cap Direct Plan-Growth

Edelweiss Mutual Fund

0.57%
9

HDFC Balanced Advantage Fund

HDFC Mutual Fund

0.40%
10

SBI Arbitrage Opportunities Fund

SBI Mutual Fund

0.48%
11

HSBC Large and Mid Cap Fund

HSBC Mutual Fund

0.03%
12

HSBC Multi Asset Allocation Fund

HSBC Mutual Fund

0.00%
13

HSBC Equity Savings Fund

HSBC Mutual Fund

0.02%
14

SBI Equity Savings Fund

SBI Mutual Fund

0.01%
15

SBI Dividend Yield Fund

SBI Mutual Fund

2.11%