Cholamandalam in & FIN Co

NSE: CHOLAFIN · Non Banking Financial Company (NBFC) · sector

₹1,447.90NSE close 2026-10-26

Key numbers

Market cap₹1,23,499 cr

Price₹1,447.90

52w high / low₹1,952 / ₹1,299

P/E21.4xSector median 13.8x

P/B4.1xSector median 1.1x

Book value₹356.5

Dividend yield0.14%Sector median 0.61%

ROE21.2%Sector median 3.6%

ROA2.34%Sector median 1.94%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y+34.4%Sector median +24.6%

Profit growth 3y+25.1%Sector median +28.6%

PEG0.89x

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

No promoter shares are pledged.
Promoter holding fell by 0.95 percentage points in a year, to 48.93% (2026-09-30).
Total income was higher than a year earlier in 4 of the last 4 quarters.
Dividend paid in 5 of the last 5 financial years.
Price ₹1,447.90 on 2026-10-26: -25.8% from the 52-week high, +11.4% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹1,917.60 · low ₹1,193.85

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	6,227	6,709	7,025	7,245	7,470	7,875	8,392	8,833
Net interest income	6,227	–	7,025	7,245	7,470	7,875	8,392	8,833
Other income	66	103	96	86	121	110	146	100
Net profit	963	1,087	1,267	1,136	1,155	1,288	1,641	1,654
EPS (₹)	11.46	12.93	15.06	13.51	13.73	15.26	19.28	19.40
Revenue YoY					+20.0%	+17.4%	+19.5%	+21.9%
Profit YoY					+20.0%	+18.5%	+29.5%	+45.6%

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	10,048	12,757	18,845	25,746	30,982	32,570
Net profit	2,147	2,666	3,423	4,259	5,220	5,737
EPS (₹)	26.16	32.45	41.20	50.67	61.83	67.67
Revenue growth		+27.0%	+47.7%	+36.6%	+20.3%	+19.7%
Profit growth		+24.2%	+28.4%	+24.4%	+22.6%	+28.9%
Dividend / share (₹)	2.00	2.00	2.00	2.00	2.00

Compounded growth	3 years	5 years	Last 12 months
Sales	+34.4%	+26.6%	+19.7%
Net profit	+25.1%	+28.1%	+28.9%
EPS	+24.0%	+27.3%	–
Share price	–	+3.1% (2y)	-8.4%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	14,296	19,557	23,627	30,404
Borrowings	–	73,186	1,04,511	1,33,792	1,56,529
Cash & equivalents	–	2,961	4,320	9,401	14,611
Total assets	–	1,13,516	1,56,451	2,01,648	2,45,070
Fixed assets	–	372	1,534	1,747	1,834
Capital work in progress	–	36	0	4	18
Inventory	–	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-5,608	-27,037	-35,768	-32,404	-29,920
Cash from investing	1,667	-2,160	-2,705	-2,867	-2,543
Cash from financing	5,151	27,449	38,405	39,707	35,497
Capex	71	174	1,049	194	263
Free cash flow	-5,678	-27,211	-36,816	-32,599	-30,184

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	18.6%	17.5%	18.0%	17.2%

Shareholding

Holder	% (2026-09-30)
Promoters	48.93%
FIIs	24.87%
DIIs	20.38%
of which Mutual funds	14.80%
of which Insurance	1.72%
Public (non-institutions)	5.83%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	49.93%	49.92%	49.90%	49.88%	49.72%	49.25%	49.22%	48.93%

Promoter group	%
Cholamandalam Financial Holdings Limited	43.48%
Ambadi Investments Limited	3.93%
M.A.Alagappan	0.29%
Shambho Trust (M V Subbiah & S Vellayan,Trustees holds shares for Trust)	0.16%
Arun Alagappan	0.09%
Saraswathi Trust (M V Subbiah, S Vellayan & M V Seetha Subbiah, Trustees holds shares for Trust)	0.09%
A Venkatachalam	0.06%
AR Lakshmi Achi Trust	0.06%
Lakshmi Ramaswamy Family Trust(A A Alagammai & Lakshmi Ramaswamy Trustees holds shares for Trust)	0.06%
V Narayanan	0.05%
V Arunachalam	0.05%
Arun Venkatachalam	0.05%
M.A.Alagappan (Holds shares in the capacity of Partner of Kadamane Estates - Firm)	0.04%
Pranav Alagappan	0.04%
Valli Annamalai	0.03%

Public holders above 1%	%
NPS Trust - A/C SBI Pension Fund Scheme - NPS Tier	2.65%
SBI Nifty 500 Index Fund	2.15%
Axis Mutual Fund Trustee Limited A/C Axis Mutual F	2.01%
Government Pension Fund Global	1.43%
HDFC Mutual Fund - HDFC Nifty500 Multicap 50:25:25	1.33%
ICICI Prudential Nifty Next 50 ETF	1.24%
Kotak Debt Hybrid	1.24%
NEW World Fund INC	1.15%
Invesco India Large & MID CAP Fund	1.00%

1,70,510 shareholders. Pledged: 0.00% of promoter shares.

Peers in Non Banking Financial Company (NBFC)

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
BAJFINANCE	₹5,71,790 cr	28.1x	5.2x	19.9%	4.14%	–	+25.1%	0.60%
SHRIRAMFIN	₹1,55,223 cr	14.6x	2.4x	18.5%	3.51%	–	+17.4%	0.94%
TATACAP	₹1,27,155 cr	34.6x	3.3x	9.3%	1.76%	–	–	0.14%
CHOLAFIN	₹1,23,499 cr	21.4x	4.1x	21.2%	2.34%	–	+34.4%	0.14%
MUTHOOTFIN	₹96,184 cr	9.1x	2.5x	32.1%	5.91%	–	+37.9%	1.08%
LTF	₹60,381 cr	17.1x	2.1x	12.8%	2.25%	–	+273.2%	1.14%
SBICARD	₹51,225 cr	22.5x	3.3x	15.4%	3.43%	–	+13.3%	0.42%
PIRAMALFIN	₹44,923 cr	21.9x	1.4x	6.3%	1.66%	–	–	0.55%
SUNDARMFIN	₹43,352 cr	22.5x	3.4x	16.2%	2.82%	–	+23.8%	0.95%
HDBFS	₹41,560 cr	14.0x	1.9x	14.3%	2.26%	–	–	0.59%

All 250 companies in Non Banking Financial Company (NBFC) →

Business segments (FY26)

Segment	Revenue	Share	EBIT	Margin
Vehicle Finance	₹16,511 cr	52.5%	₹3,145 cr	19.0%
Loan against property	₹5,989 cr	19.0%	₹2,159 cr	36.0%
Others	₹4,734 cr	15.1%	₹518 cr	11.0%
Home Loans	₹3,241 cr	10.3%	₹857 cr	26.5%
Unallocated	₹970 cr	3.1%	₹281 cr	29.0%

Dividends & corporate actions

Ex-date	Action	Detail
2026-07-21	Dividend	Dividend - Re 0.70 Per Share
2026-02-05	Dividend	Interim Dividend - Rs 1.30 Per Share
2025-07-24	Dividend	Dividend - Re 0.70 Per Share
2025-02-07	Dividend	Interim Dividend - Rs 1.30 Per Share
2024-07-19	Dividend	Dividend - Re 0.70 Per Share
2024-02-07	Dividend	Interim Dividend - Rs 1.30 Per Share
2023-07-25	Dividend	Annual General Meeting/Dividend - Re 0.70 Per Share
2023-02-10	Dividend	Interim Dividend - Rs 1.30 Per Share
2022-07-21	Dividend	Dividend - Rs 0.70 Per Share
2022-02-10	Dividend	Interim Dividend - Rs 1.30 Per Share
2021-07-22	Dividend	Annual General Meeting/Dividend - Rs 0.70 Per Share
2021-02-09	Dividend	Interimdividend - Rs 1.30 Per Share
2020-03-04	Dividend	Interim Dividend-Re 0.70 Per Share
2019-12-23	Dividend	Interim Dividend - Re 1 Pr Sh
2019-07-22	Dividend	Annual General Meeting/Dividend - Re 0.40 Per Share
2019-06-14	Split	Face Value Split (Sub-Division) - From Rs 10/- Per Share To Rs 2/- Per Share
2019-02-08	Dividend	Interim Dividend - Rs 4.50 Per Share
2018-07-18	Dividend	Annual General Meeting / Dividend- Rs 2 Per Share
2018-02-09	Dividend	Interim Dividend Rs 4.50 Per Share
2017-07-19	Dividend	Annual General Meeting/Dividend - Rs 2/- Per Share

Documents

Links go to the original files on the exchange website.

About the company

Financial Services – Lending: The Company provides Vehicle Finance, Home Loans, Loan Against Property, Secured Business and Personal Loans, Consumer and Small Enterprises Loans, Small and Medium Enterprises Loans, Consumer Durables and Gold Loans.


Sector	Financial Services
Industry	Non Banking Financial Company (NBFC)
Sub-industry	Non Banking Financial Company (NBFC)
Symbol	CHOLAFIN
BSE code	511243
ISIN	INE121A01024
Face value	₹2.0
Incorporated	1978-08-17
Website	www.cholamandalam.com
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.