About
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicle, two- and three- wheelers, and tractors and farm equipment, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professionals, and proprietorship, partnership, and private limited companies. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer platform services under the Gaadi Bazaar brand, which integrates vehicle trading, auctions, and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is based in Chennai, India.
Key Metrics
as of Sep 2026Market Cap157,063 Cr
P/E27.30
Div Yield0.11 %
Book Value₹357.00
52w High₹1,952.00
52w Low₹1,299.00
Face Value₹2.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 2,652.00 | 2,597.00 | 2,554.00 | 2,460.00 | 2,286.00 | 2,010.00 | 2,038.00 | 1,897.00 | 1,727.00 | 1,417.00 | 1,412.00 | 1,391.00 | 1,174.00 |
| Other Income | 102.00 | 148.00 | 111.00 | 123.00 | 87.00 | 92.00 | 105.00 | 68.00 | 45.00 | 105.00 | 47.00 | 73.00 | 71.00 |
| Depreciation | 75.00 | 72.00 | 74.00 | 71.00 | 67.00 | 64.00 | 59.00 | 63.00 | 59.00 | 75.00 | 46.00 | 39.00 | 39.00 |
| Interest | 4,007.00 | 3,753.00 | 3,646.00 | 3,517.00 | 3,468.00 | 3,365.00 | 3,275.00 | 3,059.00 | 2,796.00 | 2,579.00 | 2,441.00 | 2,204.00 | 2,006.00 |
| Profit before tax | 2,224.00 | 2,143.00 | 1,736.00 | 1,566.00 | 1,532.00 | 1,699.00 | 1,466.00 | 1,305.00 | 1,275.00 | 1,444.00 | 1,156.00 | 1,062.00 | 952.00 |
| Tax % | 26.00 | 23.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 25.00 | 27.00 | 25.00 |
| Net Profit | 1,656.00 | 1,645.00 | 1,290.00 | 1,160.00 | 1,138.00 | 1,260.00 | 1,088.00 | 968.00 | 947.00 | 1,065.00 | 872.00 | 773.00 | 710.00 |
| EPS in Rs | 19.43 | 19.31 | 15.28 | 13.78 | 13.53 | 14.98 | 12.94 | 11.52 | 11.27 | 12.68 | 10.39 | 9.40 | 8.64 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 9,890.00 | 7,670.00 | 5,385.00 | 3,621.00 | 2,926.00 | 2,858.00 | 2,421.00 | 1,632.00 | 1,451.00 | 1,322.00 | 1,266.00 | 1,061.00 |
| Other Income | 412.00 | 261.00 | 255.00 | 220.00 | 84.00 | 0.00 | 0.00 | 1.00 | 0.00 | 3.00 | 2.00 | 0.00 |
| Interest | 14,384.00 | 12,495.00 | 9,231.00 | 5,748.00 | 4,298.00 | 4,576.00 | 4,592.00 | 3,588.00 | 2,657.00 | 2,228.00 | 2,048.00 | 1,958.00 |
| Depreciation | 284.00 | 245.00 | 198.00 | 121.00 | 101.00 | 102.00 | 111.00 | 57.00 | 51.00 | 39.00 | 22.00 | 30.00 |
| Profit before tax | 6,973.00 | 5,741.00 | 4,605.00 | 3,615.00 | 2,908.00 | 2,048.00 | 1,588.00 | 1,832.00 | 1,401.00 | 1,107.00 | 879.00 | 666.00 |
| Tax % | 25.00 | 26.00 | 26.00 | 26.00 | 26.00 | 26.00 | 34.00 | 35.00 | 34.00 | 35.00 | 35.00 | 33.00 |
| Net Profit | 5,233.00 | 4,263.00 | 3,420.00 | 2,665.00 | 2,154.00 | 1,521.00 | 1,054.00 | 1,197.00 | 918.00 | 718.00 | 575.00 | 444.00 |
| EPS in Rs | 61.41 | 50.69 | 40.72 | 32.42 | 26.23 | 18.55 | 12.86 | 15.32 | 11.76 | 9.21 | 7.36 | 6.18 |
| Dividend Payout % | 3.00 | 4.00 | 5.00 | 6.00 | 8.00 | 11.00 | 13.00 | 8.00 | 11.00 | 12.00 | 12.00 | 11.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 170.00 | 168.00 | 168.00 | 164.00 | 164.00 | 164.00 | 164.00 | 156.00 | 156.00 | 156.00 | 156.00 | 144.00 |
| Reserves | 30,288.00 | 23,500.00 | 19,425.00 | 14,182.00 | 11,605.00 | 9,436.00 | 8,036.00 | 6,052.00 | 4,969.00 | 4,142.00 | 3,514.00 | 2,531.00 |
| Other Liabilities | 3,920.00 | 3,182.00 | 2,618.00 | 1,923.00 | 1,536.00 | 1,314.00 | 853.00 | 715.00 | 711.00 | 2,230.00 | 1,673.00 | 1,243.00 |
| Total Liabilities | 245,448.00 | 201,887.00 | 156,686.00 | 113,627.00 | 82,478.00 | 74,644.00 | 64,058.00 | 57,490.00 | 44,167.00 | 30,598.00 | 27,889.00 | 23,868.00 |
| Fixed Assets | 1,869.00 | 1,780.00 | 1,563.00 | 403.00 | 259.00 | 228.00 | 283.00 | 167.00 | 170.00 | 150.00 | 120.00 | 69.00 |
| CWIP | 42.00 | 11.00 | 13.00 | 60.00 | 37.00 | 10.00 | 11.00 | 14.00 | 4.00 | 0.00 | 0.00 | 0.00 |
| Investments | 6,646.00 | 6,367.00 | 4,036.00 | 3,562.00 | 2,055.00 | 1,583.00 | 33.00 | 42.00 | 23.00 | 182.00 | 16.00 | 25.00 |
| Other Assets | 236,892.00 | 193,729.00 | 151,075.00 | 109,602.00 | 80,127.00 | 72,823.00 | 63,732.00 | 57,267.00 | 43,970.00 | 30,266.00 | 27,753.00 | 23,775.00 |
| Total Assets | 245,448.00 | 201,887.00 | 156,686.00 | 113,627.00 | 82,478.00 | 74,644.00 | 64,058.00 | 57,490.00 | 44,167.00 | 30,598.00 | 27,889.00 | 23,868.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -30,021.00 | -32,413.00 | -35,683.00 | -27,105.00 | -5,571.00 | -8,842.00 | -2,075.00 | -9,317.00 | -7,926.00 | -1,468.00 | -2,809.00 | -2,264.00 |
| Cash from Investing Activity | -2,554.00 | -2,948.00 | -2,855.00 | -2,148.00 | 1,640.00 | -1,572.00 | -54.00 | -11.00 | -60.00 | -222.00 | -137.00 | -40.00 |
| Cash from Financing Activity | 35,610.00 | 39,795.00 | 38,471.00 | 27,466.00 | 5,150.00 | 8,516.00 | 2,452.00 | 12,191.00 | 8,009.00 | 1,692.00 | 3,031.00 | 1,819.00 |
| Net Cash Flow | 3,035.00 | 4,434.00 | -66.00 | -1,787.00 | 1,218.00 | -1,898.00 | 323.00 | 2,862.00 | 22.00 | 2.00 | 85.00 | -485.00 |
| Free Cash Flow | -30,263.00 | -32,600.00 | -36,754.00 | -27,293.00 | -5,665.00 | -8,873.00 | -2,145.00 | -9,391.00 | -7,994.00 | -1,525.00 | -2,885.00 | -2,294.00 |
| CFO/OP % | -133.00 | -169.00 | -249.00 | -283.00 | -65.00 | -121.00 | -24.00 | -157.00 | -179.00 | -29.00 | -82.00 | -75.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
49 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 21 Jul 2026 | 21 Jul 2026 | — | 0.70 | |
| Dividend | 05 Feb 2026 | 05 Feb 2026 | — | 1.30 | |
| Dividend | 24 Jul 2025 | 24 Jul 2025 | — | 0.70 | |
| Dividend | 07 Feb 2025 | 07 Feb 2025 | — | 1.30 | |
| Dividend | 19 Jul 2024 | — | — | 0.70 | |
| Dividend | 07 Feb 2024 | 07 Feb 2024 | — | 1.30 | |
| Dividend | 25 Jul 2023 | — | — | 0.70 | |
| Dividend | 10 Feb 2023 | 10 Feb 2023 | — | 1.30 | |
| Dividend | 21 Jul 2022 | — | — | 0.70 | |
| Dividend | 10 Feb 2022 | 11 Feb 2022 | — | 1.30 | |
| Dividend | 22 Jul 2021 | — | — | 0.70 | |
| Dividend | 09 Feb 2021 | 10 Feb 2021 | — | 1.30 | |
| Dividend | 04 Mar 2020 | 05 Mar 2020 | — | 0.70 | |
| Dividend | 23 Dec 2019 | 24 Dec 2019 | — | 1.00 | |
| Other | 23 Dec 2019 | 24 Dec 2019 | — | — | Interim Dividend - Re 1 Pr Sh |
| Dividend | 22 Jul 2019 | — | — | 0.40 | |
| Split | 14 Jun 2019 | 17 Jun 2019 | 10:2 | — | |
| Dividend | 08 Feb 2019 | 11 Feb 2019 | — | 4.50 | |
| Dividend | 18 Jul 2018 | — | — | 2.00 | |
| Dividend | 09 Feb 2018 | 12 Feb 2018 | — | 4.50 | |
| Dividend | 19 Jul 2017 | — | — | 2.00 | |
| Dividend | 06 Feb 2017 | 07 Feb 2017 | — | 3.50 | |
| Dividend | 21 Jul 2016 | — | — | 2.00 | |
| Dividend | 09 Feb 2016 | 10 Feb 2016 | — | 2.50 | |
| Dividend | 23 Jul 2015 | — | — | 1.00 | |
| Dividend | 05 Feb 2015 | 06 Feb 2015 | — | 2.50 | |
| Dividend | 23 Jul 2014 | — | — | 1.00 | |
| Dividend | 06 Feb 2014 | 08 Feb 2014 | — | 2.50 | |
| Dividend | 24 Jul 2013 | — | — | 1.00 | |
| Other | 24 Jul 2013 | — | — | — | Annual General Meeting / Final Dividend Re.1/- Per Equity Share |
| Dividend | 30 Jan 2013 | 31 Jan 2013 | — | 2.50 | |
| Dividend | 23 Jul 2012 | — | — | 1.00 | |
| Dividend | 13 Feb 2012 | 14 Feb 2012 | — | 1.50 | |
| Dividend | 21 Jul 2011 | — | — | 1.50 | |
| Dividend | 05 May 2010 | 06 May 2010 | — | 1.00 | |
| Other | 21 Jul 2009 | — | — | — | Annual General Meeting |
| Dividend | 23 Jul 2008 | — | — | 4.00 | NSE/BSE dividend mismatch: NSE=0.8; BSE=4.0 |
| Dividend | 23 Jul 2008 | — | — | 0.80 | NSE/BSE dividend mismatch: NSE=0.8; BSE=4.0 |
| Other | 11 Sep 2007 | 18 Sep 2007 | — | — | Right Issue of Equity Shares |
| Other | 11 Sep 2007 | 18 Sep 2007 | — | — | Rights Equity/Warrant |
| Dividend | 23 Jul 2007 | — | — | 4.00 | NSE/BSE dividend mismatch: NSE=0.8; BSE=4.0 |
| Dividend | 23 Jul 2007 | — | — | 0.80 | NSE/BSE dividend mismatch: NSE=0.8; BSE=4.0 |
| Dividend | 12 Jul 2006 | — | — | 1.00 | |
| Dividend | 18 Jul 2005 | — | — | 1.00 | |
| Dividend | 17 Mar 2004 | 25 Mar 2004 | — | 5.00 | |
| Other | 17 Mar 2004 | 25 Mar 2004 | — | — | Right Issue of Equity Shares |
| Dividend | 11 Mar 2003 | 21 Mar 2003 | — | 5.00 | |
| Other | 11 Mar 2003 | 21 Mar 2003 | — | — | Right Issue of Equity Shares |
| Dividend | 09 Jul 2001 | — | — | 3.37 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update2 Sep from icra
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Rating update27 Aug from care
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Rating update6 Aug from crisil
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Rating update5 Aug from crisil
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Rating update5 Aug from crisil
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Rating update5 Aug from crisil
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