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Cholamandalam Investment and Finance Company share price & results

Cholamandalam Investment and Finance Company Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Murugappa Group NBFC lending for vehicles, homes, property, gold and SMEs via 1,757 branches

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue8,856 ₹ crore+21.9% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit1,656 ₹ crore+45.5% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity21.25 %−0.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)19.64 %−14.9 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

5 of 10 judged targets kept · 14 open · verdicts reflect calls analysed to Q1 FY27.

Cholamandalam Investment and Finance Company Limited management guidance track record on Inve: 24 targets tracked across analysed earnings calls (5 achieved, 5 missed, 14 open).

TargetOriginal wordingSaidLatest callVerdict
Gold Loan AUMin this fiscal year or maybe 1.5 years' time, we will try to achieve INR2,000 crores
Call transcript, Q4 FY25 · 28 Apr 2025		Q4 FY25Q1 FY27:Achieved. Management confirmed 'We have reached to INR2,000 crores plus AUM now', hitting the target one quarter ahead of the Q2 FY27 deadline.
Call transcript, Q1 FY27 · 28 Jul 2026		Achieved
Home Loan Branch AdditionsWe are planning to open around 60 new branches in Q1 and another 40 branches in Q2, taking the total to approximately 100 Home Loan branches in the next financial year.
Call transcript, Q4 FY26 · 4 May 2026		Q4 FY26Q1 FY27:Ghosted. The specific target of opening 60 new branches in Q1 FY27 was not addressed. Management only made a vague comment that 'branch expansion... started now'.
Call transcript, Q1 FY27 · 28 Jul 2026		Ghosted
Home Loan Book Growth25% to 30% book growth for next at least 2 to 3 years.
Call transcript, Q3 FY25 · 31 Jan 2025		Q3 FY25Q1 FY27:Still at risk. Home Loan AUM grew 22% YoY, below the original '30% plus' target and also below the revised FY27 guidance of '25% or higher'.
Call transcript, Q1 FY27 · 28 Jul 2026		At Risk

Source: Inve Guidance Tracker for Cholamandalam Investment and Finance Company Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

5 of Cholamandalam Investment and Finance Company Limited's 24 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 21 more targets are in the full ledger.

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Price

₹1,469 +1.46% · +₹21.1

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −15.3% 1Y

₹1.4k₹1.6k₹1.8kOct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 31 Oct 2025Q2 FY26 — 13 Nov 2025Q2 FY26 — 23 Dec 2025Q3 FY26 — 29 Jan 2026Q4 FY26 — 4 May 2026Q1 FY27 — 28 Jul 2026

1Y: ₹1,733.6 on 24 Oct 2025 → ₹1,469. High ₹1,940 (6 Aug 2026), low ₹1,354.7 (30 Mar 2026).

Previous close
₹1,447.9
Market cap
₹1.2L Cr
52-week range
₹1,354.7 – ₹1,940
One year
−15.20%
Price to earnings (TTM to Jun 2026)
21.72×
Return on equity (TTM to Jun 2026)
21.25%

Overview

Symbol
NSE:CHOLAFIN
Exchange
NSE
Currency
INR

What Cholamandalam Investment and Finance Company Limited does

Based on the company's own presentations, annual report and earnings calls.

Cholamandalam Investment and Finance Company is a non-banking finance company incorporated in 1978 as the financial-services arm of the Murugappa Group, which began as an equipment financier and has grown into a broad-based retail lender. It offers vehicle finance, home loans, loan against property, SME loans, secured business and personal loans, consumer and small-enterprise loans, gold loans and consumer-durable loans, earning primarily from interest on these advances. It serves over 4.47 crore customers through a 1,757-branch network, with vehicle finance as its largest business. The company also runs allied services including stock broking and depository (Chola Securities), a corporate insurance agency, and an offline payment aggregator (Payswiff).

Segments

  • Vehicle Finance (VF)
  • Loan Against Property (LAP)
  • Home Loans (HL)
  • Consumer & Small Enterprise Loans (CSEL)
  • Secured Business & Personal Loans (SBPL)
  • SME Loans
  • Gold Loans
  • Business Enablers
Branch network
1,757 branches across 26 states and 7 union territories
Customers
44.7 lakh+ (over 4.47 crore)
Employees
71,260
Vehicle Finance footprint
1,592 branches, ~30.6 lakh customers (largest business)
Loan product range
13 loan products across vehicle, home, property, SME, gold and consumer finance
Location profile
92% of locations in Tier-III to Tier-VI towns
Founded 1978Headquarters Chennai, Tamil Nadu, IndiaEmployees 71,260 (December 2025) Company website

How the price took the results

close before → close after

Q1 FY27
−1.8%
28 Jul
Q4 FY26
+4.9%
4 May
Q3 FY26
+0.7%
29 Jan
Q2 FY26
−0.9%
31 Oct

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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