Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment and Finance Company Limited operates in Non Banking Financial Company (NBFC), part of the Financial Services sector. It booked ₹9,395 cr of revenue in its latest quarter (Q2 FY27) and kept 18.8% of sales as profit. It is the 3rd largest of 9 Non Banking Financial Company (NBFC) companies we track, by market value.
| Segment | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|---|---|---|
| Vehicle Finance | 7,188 | 7,540 | 8,786 | 11,256 | 14,107 | 16,511 | 78% → 54% |
| Loan against property | 1,470 | 1,613 | 2,168 | 3,069 | 4,573 | 5,989 | 16% → 20% |
| Others | 97 | 177 | 914 | 2,658 | 4,083 | 4,828 | 1% → 16% |
| Home Loans | 473 | 600 | 892 | 1,702 | 2,502 | 3,241 | 5% → 11% |
| Total | 9,228 | 9,931 | 12,760 | 18,685 | 25,265 | 30,569 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 61% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 105–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 56
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in CHOLAFIN?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹9,395 cr |
| Other Income | ₹0 cr |
| Total Income | ₹9,395 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹1,432 cr |
| Finance Costs | ₹4,334 cr |
| Depreciation & Amortisation | ₹83 cr |
| Other Expenses | ₹484 cr |
| Total Expenses | ₹7,207 cr |
| Profit before Tax | ₹2,187 cr |
| Tax Expense | ₹558 cr |
| Share of JV / Associates | ₹1 cr |
| Net Profit | ₹1,630 cr |
| Net margin on total income | 17.4% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 8,417 cr | 8,856 cr | 9,395 cr |
| Total income | 8,564 cr | 8,957 cr | 9,395 cr |
| Expenses | 6,422 cr | 6,735 cr | 7,207 cr |
| Profit before tax | 2,142 cr | 2,222 cr | 2,187 cr |
| Tax | 498 cr | 567 cr | 558 cr |
| Net profit (owners' share) | 1,645 cr | 1,656 cr | 1,764 cr |
| Net margin (owners' share, on revenue) | 19.5% | 18.7% | 18.8% |
| EPS (₹) | 19.33 | 19.43 | 19.09 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| Bajaj Finance Limited | ₹970 | ₹6.04 L cr | 24.1 | 20.3% | 25.5% | — |
| Shriram Finance Limited | ₹885 | ₹2.08 L cr | 14.1 | 13.2% | 26.7% | — |
| Cholamandalam Investment and Finance Company Limitedthis company | ₹1,650 | ₹1.42 L cr | 21.6 | 20.4% | 18.8% | — |
| Tata Capital Limited | ₹334 | ₹1.41 L cr | 21.3 | 13.6% | 17.8% | — |
| Muthoot Finance Limited | ₹2,528 | ₹1.01 L cr | 7.8 | 29.6% | 32.5% | — |
| L&T Finance Limited | ₹253 | ₹63,315 cr | 16.2 | 13.3% | 17.8% | — |
| SBI Cards and Payment Services Limited | ₹537 | ₹51,108 cr | 16.4 | 18.1% | 15.1% | — |
| Piramal Finance Limited | ₹1,913 | ₹45,243 cr | 20.2 | 7.0% | 14.7% | — |
| Authum Investment & Infrastructure Limited | ₹528 | ₹44,800 cr | 10.1 | 70.4% | 176.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.7 / share | 21 Jul 2026 |
| Dividend | ₹1.3 / share | 5 Feb 2026 |
| Dividend | ₹0.7 / share | 24 Jul 2025 |
| Dividend | ₹1.3 / share | 7 Feb 2025 |
| Dividend | ₹0.7 / share | 19 Jul 2024 |
| Dividend | ₹1.3 / share | 7 Feb 2024 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.