CHOLAMANDALAM IN & FIN CO (CHOLAFIN) financials

CHOLAMANDALAM IN & FIN CO (CHOLAFIN) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India,engaged in providing vehicle finance, home loans and Loan against property.[1]

Market Cap: ₹1,32,697Cr.
Current Price: ₹1,553
Stock P/E: 23.1
ROE: 19.3%
ROCE: 9.70%
Book Value: ₹357
Dividend Yield: 0.13%
52W High / Low: ₹1,952/1,299

In Jun 2026, CHOLAMANDALAM IN & FIN CO (CHOLAFIN) reported sales ₹8,833 Cr and net profit ₹1,654 Cr.

Annual TTM: sales ₹32,570 Cr, net profit ₹5,737 Cr.

Shareholding: Promoters 49.23% (Jun 2026), FIIs 24.46% (Jun 2026), DIIs 20.62% (Jun 2026), Public 5.70% (Jun 2026), No. of Shareholders 1,51,219% (Jun 2026).

CHOLAFIN quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	6,227	6,709	7,025	7,245	7,470	7,875	8,392	8,833
Interest	3,055	3,272	3,362	3,466	3,516	3,643	3,749	4,003
Expenses	1,877	2,019	1,989	2,268	2,444	2,536	2,581	2,635
Financing Profit	1,294	1,419	1,674	1,511	1,511	1,696	2,062	2,195
Financing Margin %	21%	21%	24%	21%	20%	22%	25%	25%
Other Income	66	103	96	86	121	110	146	100
Depreciation	62	58	63	67	70	73	71	74
Profit before tax	1,299	1,464	1,706	1,530	1,561	1,733	2,137	2,220
Tax %	26%	26%	26%	26%	26%	26%	23%	26%
Net Profit	963	1,087	1,267	1,136	1,155	1,288	1,641	1,654
EPS in Rs	11.46	12.92	15.06	13.50	13.73	15.26	19.26	19.39
Gross NPA %	3.78%	4.00%	3.97%	4.29%	4.57%	4.63%	4.36%	4.50%
Net NPA %	2.48%	2.66%	2.63%	2.86%	3.07%	3.13%	2.87%	2.95%
Raw PDF	—	—	—	—	—	—	—	—

CHOLAFIN profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	8,653	9,519	10,055	12,757	18,960	25,792	31,025	32,570
Interest	4,592	4,576	4,299	5,749	9,231	12,485	14,374	14,911
Expenses	2,367	2,862	2,852	3,510	5,207	7,589	9,821	10,196
Financing Profit	1,693	2,081	2,904	3,498	4,522	5,718	6,830	7,463
Financing Margin %	20%	22%	29%	27%	24%	22%	22%	23%
Other Income	0	56	84	220	255	261	412	477
Depreciation	108	98	97	119	196	242	281	289
Profit before tax	1,586	2,038	2,891	3,600	4,582	5,737	6,961	7,652
Tax %	34%	26%	26%	26%	25%	26%	25%	—
Net Profit	1,052	1,515	2,147	2,666	3,423	4,259	5,220	5,737
EPS in Rs	12.84	18.47	26.15	32.44	40.75	50.64	61.26	67.64
Dividend Payout %	13%	11%	8%	6%	5%	4%	3%	—

CHOLAFIN balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	156	164	164	164	164	168	168	170
Reserves	6,019	8,008	9,396	11,543	14,132	19,388	23,459	30,234
Borrowing	50,567	55,005	63,730	69,174	97,356	134,474	174,946	210,867
Other Liabilities	684	825	1,258	1,482	1,863	2,421	3,074	3,799
Total Liabilities	57,426	64,002	74,548	82,363	113,516	156,451	201,648	245,070
Fixed Assets	163	274	220	255	399	1,557	1,772	1,863
CWIP	13	10	10	37	60	12	11	33
Investments	73	73	1,619	2,076	3,620	4,100	6,390	6,638
Other Assets	57,178	63,646	72,700	79,996	109,436	150,781	193,474	236,536
Total Assets	57,426	64,002	74,548	82,363	113,516	156,451	201,648	245,070

CHOLAFIN cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-9,331	-2,086	-8,857	-5,608	-27,037	-35,768	-32,404	-29,920
Cash from Investing Activity	-4	-51	-1,759	1,667	-2,160	-2,705	-2,867	-2,543
Cash from Financing Activity	12,220	2,461	8,708	5,151	27,449	38,405	39,707	35,497
Net Cash Flow	2,885	323	-1,908	1,210	-1,748	-68	4,436	3,034
Free Cash Flow	-9,398	-2,153	-8,887	-5,700	-27,221	-36,811	-32,586	-30,161

CHOLAFIN shareholding pattern (%)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	50.24%	49.93%	49.92%	49.90%	49.88%	49.72%	49.25%	49.23%
FIIs	27.17%	27.43%	28.23%	27.96%	26.85%	26.56%	24.87%	24.46%
DIIs	16.58%	16.10%	15.49%	16.05%	17.27%	17.54%	19.91%	20.62%
Public	6.02%	6.56%	6.36%	6.07%	6.00%	6.16%	5.95%	5.70%
No. of Shareholders	1,46,889	1,76,231	1,78,471	1,83,933	1,65,068	1,70,050	1,60,428	1,51,219

CHOLAFIN key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	21%	15%	17%	20%	21%	20%	20%	19%

CHOLAFINUpdated 21 Oct 2026, 5:16

Cholamandalam In & Fin Co

CHOLAFINUpdated 21 Oct 2026, 5:16

Market Cap

₹1,32,697Cr.

Current Price

₹1,553

High / Low

₹1,952/1,299

Stock P/E

23.1

ROE19.3%

ROCE9.70%

Book Value₹357

Face Value₹2.00

Dividend Yield0.13%

About

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India,engaged in providing vehicle finance, home loans and Loan against property.[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	4063	2007	1121	934	23	71	38	968	25	726	8.83	4.3	2.77
Sep 2023	4435	2205	1308	922	21	137	38	1021	25	762	9.27	4.07	2.59
Dec 2023	4960	2439	1378	1143	23	59	45	1157	24	876	10.43	3.92	2.56
Mar 2024	5388	2579	1401	1407	26	104	75	1437	26	1058	12.6	3.54	2.32
Jun 2024	5785	2796	1706	1283	22	44	58	1268	26	942	11.21	3.62	2.37
Sep 2024	6227	3055	1877	1294	21	66	62	1299	26	963	11.46	3.78	2.48
Dec 2024	6709	3272	2019	1419	21	103	58	1464	26	1087	12.92	4	2.66
Mar 2025	7025	3362	1989	1674	24	96	63	1706	26	1267	15.06	3.97	2.63
Jun 2025	7245	3466	2268	1511	21	86	67	1530	26	1136	13.5	4.29	2.86
Sep 2025	7470	3516	2444	1511	20	121	70	1561	26	1155	13.73	4.57	3.07
Dec 2025	7875	3643	2536	1696	22	110	73	1733	26	1288	15.26	4.63	3.13
Mar 2026	8392	3749	2581	2062	25	146	71	2137	23	1641	19.26	4.36	2.87
Jun 2026	8833	4003	2635	2195	25	100	74	2220	26	1654	19.39	4.5	2.95

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	3690	1960	1044	686	19	0	29	657	34	435	6.06
Mar 2016	4192	2051	1250	891	21	1	21	871	35	568	7.28
Mar 2017	4660	2231	1286	1143	25	1	38	1106	35	719	9.2
Mar 2018	5479	2659	1369	1451	26	0	50	1401	34	918	11.75
Mar 2019	6992	3589	1525	1878	27	1	55	1823	35	1186	15.17
Mar 2020	8653	4592	2367	1693	20	0	108	1586	34	1052	12.84
Mar 2021	9519	4576	2862	2081	22	56	98	2038	26	1515	18.47
Mar 2022	10055	4299	2852	2904	29	84	97	2891	26	2147	26.15
Mar 2023	12757	5749	3510	3498	27	220	119	3600	26	2666	32.44
Mar 2024	18960	9231	5207	4522	24	255	196	4582	25	3423	40.75
Mar 2025	25792	12485	7589	5718	22	261	242	5737	26	4259	50.64
Mar 2026	31025	14374	9821	6830	22	412	281	6961	25	5220	61.26
TTM	32570	14911	10196	7463	23	477	289	7652	—	5737	67.64

Shareholding pattern

As of Jun 2026%

Holder	Share
Promoters	49.23%
FIIs	24.46%
DIIs	20.62%
Public	5.7%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Sep 2023	51.43%	21.51%	20.04%	7.03%
Dec 2023	50.37%	24.73%	18.39%	6.51%
Mar 2024	50.35%	26%	17.05%	6.61%
Jun 2024	50.33%	26.63%	16.86%	6.19%
Sep 2024	50.24%	27.17%	16.58%	6.02%
Dec 2024	49.93%	27.43%	16.1%	6.56%
Mar 2025	49.92%	28.23%	15.49%	6.36%
Jun 2025	49.9%	27.96%	16.05%	6.07%
Sep 2025	49.88%	26.85%	17.27%	6%
Dec 2025	49.72%	26.56%	17.54%	6.16%
Mar 2026	49.25%	24.87%	19.91%	5.95%
Jun 2026	49.23%	24.46%	20.62%	5.7%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	144	2530	1225	23873	68	0	67	23737	23873
Mar 2016	156	3501	1655	27888	111	0	67	27710	27888
Mar 2017	156	4129	2201	30595	140	0	239	30216	30595
Mar 2018	156	4942	661	44090	161	4	73	43852	44090
Mar 2019	156	6019	684	57426	163	13	73	57178	57426
Mar 2020	164	8008	825	64002	274	10	73	63646	64002
Mar 2021	164	9396	1258	74548	220	10	1619	72700	74548
Mar 2022	164	11543	1482	82363	255	37	2076	79996	82363
Mar 2023	164	14132	1863	113516	399	60	3620	109436	113516
Mar 2024	168	19388	2421	156451	1557	12	4100	150781	156451
Mar 2025	168	23459	3074	201648	1772	11	6390	193474	201648
Mar 2026	170	30234	3799	245070	1863	33	6638	236536	245070

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-2271	-40	1826	-485
Mar 2016	-2814	-147	3037	76
Mar 2017	-1491	-202	1701	8
Mar 2018	-7923	-63	7965	-20
Mar 2019	-9331	-4	12220	2885
Mar 2020	-2086	-51	2461	323
Mar 2021	-8857	-1759	8708	-1908
Mar 2022	-5608	1667	5151	1210
Mar 2023	-27037	-2160	27449	-1748
Mar 2024	-35768	-2705	38405	-68
Mar 2025	-32404	-2867	39707	4436
Mar 2026	-29920	-2543	35497	3034

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	18%	18%	18%	20%	21%	15%	17%	20%	21%	20%	20%	19%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of CHOLAMANDALAM IN & FIN CO (CHOLAFIN)?

The reported market capitalisation for CHOLAMANDALAM IN & FIN CO (CHOLAFIN) is ₹1,32,697Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of CHOLAFIN?

The current price shown for CHOLAMANDALAM IN & FIN CO (CHOLAFIN) on Fincrux is ₹1,553 with a 52-week high/low of ₹1,952/1,299.

What is the P/E ratio of CHOLAMANDALAM IN & FIN CO (CHOLAFIN)?

The stock P/E for CHOLAMANDALAM IN & FIN CO (CHOLAFIN) is 23.1 on Fincrux, with ROE at 19.3% and ROCE at 9.70%.

What were CHOLAFIN latest quarterly results?

For Jun 2026, CHOLAMANDALAM IN & FIN CO (CHOLAFIN) reported sales ₹8,833 Cr and net profit ₹1,654 Cr (figures in ₹ crore unless noted).

What are CHOLAFIN annual sales and net profit?

For TTM, CHOLAMANDALAM IN & FIN CO (CHOLAFIN) shows sales of ₹32,570 Cr and net profit of ₹5,737 Cr on the Fincrux profit & loss statement.

Who owns CHOLAMANDALAM IN & FIN CO (CHOLAFIN)?

Latest shareholding for CHOLAMANDALAM IN & FIN CO (CHOLAFIN) on Fincrux: Promoters 49.23% (Jun 2026), FIIs 24.46% (Jun 2026), DIIs 20.62% (Jun 2026), Public 5.70% (Jun 2026), No. of Shareholders 1,51,219% (Jun 2026).

Where can I find CHOLAMANDALAM IN & FIN CO (CHOLAFIN) financials?

CHOLAMANDALAM IN & FIN CO (CHOLAFIN) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show CHOLAFIN balance sheet and cash flow?

Yes. The CHOLAMANDALAM IN & FIN CO (CHOLAFIN) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 21 October 2026 at 5:16