About
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including motor, property and casualty, health, accident, fire and engineering, crop, marine, and travel insurance, as well as reinsurance. It serves first-time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
Key Metrics
as of Sep 2026Market Cap28,649 Cr
P/E10.70
Div Yield0.09 %
Book Value₹823.00
52w High₹2,064.00
52w Low₹1,305.00
Face Value₹1.00
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 | 4,721.00 | 4,541.00 | 4,487.00 | 4,359.00 | 4,142.00 | 3,709.00 | 3,772.00 | 3,537.00 | 3,253.00 | 2,932.00 | 2,978.00 | 2,898.00 | 2,588.00 |
| Other Income | 103.00 | 156.00 | 137.00 | 130.00 | 88.00 | 98.00 | 106.00 | 91.00 | 45.00 | 110.00 | 48.00 | 55.00 | 89.00 |
| Depreciation | 87.00 | 84.00 | 87.00 | 83.00 | 79.00 | 79.00 | 72.00 | 74.00 | 70.00 | 88.00 | 55.00 | 52.00 | 52.00 |
| Interest | 4,007.00 | 3,755.00 | 3,648.00 | 3,518.00 | 3,468.00 | 3,361.00 | 3,280.00 | 3,058.00 | 2,796.00 | 2,582.00 | 2,445.00 | 2,209.00 | 2,013.00 |
| Profit before tax | 2,400.00 | 2,142.00 | 1,863.00 | 1,632.00 | 1,696.00 | 1,862.00 | 1,471.00 | 1,513.00 | 1,559.00 | 1,574.00 | 1,363.00 | 1,213.00 | 1,062.00 |
| Tax % | 25.00 | 24.00 | 26.00 | 26.00 | 26.00 | 27.00 | 26.00 | 26.00 | 26.00 | 27.00 | 25.00 | 27.00 | 25.00 |
| Net Profit | 1,789.00 | 1,626.00 | 1,386.00 | 1,214.00 | 1,260.00 | 1,362.00 | 1,093.00 | 1,125.00 | 1,160.00 | 1,144.00 | 1,027.00 | 888.00 | 792.00 |
| EPS in Rs | 42.92 | 36.59 | 33.32 | 29.29 | 30.81 | 32.68 | 25.89 | 27.99 | 29.20 | 27.32 | 24.88 | 22.41 | 19.78 |
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 | 17,523.00 | 14,269.00 | 11,389.00 | 8,597.00 | 7,210.00 | 6,807.00 | 6,588.00 | 5,147.00 | 4,490.00 | 2,377.00 | 7,029.00 | 6,542.00 |
| Other Income | 414.00 | 262.00 | 256.00 | 221.00 | 92.00 | 60.00 | 1.00 | 21.00 | 0.00 | 1.00 | 1,538.00 | 123.00 |
| Interest | 14,388.00 | 12,494.00 | 9,249.00 | 5,778.00 | 4,328.00 | 4,608.00 | 4,592.00 | 3,587.00 | 2,655.00 | 0.00 | 976.00 | 2,103.00 |
| Depreciation | 333.00 | 296.00 | 248.00 | 176.00 | 154.00 | 145.00 | 150.00 | 78.00 | 70.00 | 17.00 | 163.00 | 171.00 |
| Profit before tax | 7,326.00 | 6,400.00 | 5,200.00 | 3,824.00 | 3,044.00 | 2,400.00 | 1,806.00 | 2,135.00 | 1,695.00 | 295.00 | 1,374.00 | 1,003.00 |
| Tax % | 25.00 | 26.00 | 26.00 | 26.00 | 26.00 | 27.00 | 36.00 | 34.00 | 34.00 | 30.00 | 27.00 | 32.00 |
| Net Profit | 5,485.00 | 4,740.00 | 3,851.00 | 2,810.00 | 2,239.00 | 1,764.00 | 1,165.00 | 1,415.00 | 1,127.00 | 538.00 | 1,181.00 | 684.00 |
| EPS in Rs | 130.01 | 115.76 | 94.39 | 68.71 | 54.49 | 43.93 | 29.34 | 37.12 | 29.32 | 24.26 | 55.47 | 22.68 |
| Dividend Payout % | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 3.00 | 4.00 | 1.00 | 9.00 | 9.00 |
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 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 37.00 | 37.00 |
| Reserves | 15,435.00 | 12,496.00 | 10,223.00 | 7,642.00 | 6,427.00 | 5,367.00 | 4,572.00 | 3,925.00 | 3,291.00 | 2,745.00 | 3,287.00 | 2,290.00 |
| Other Liabilities | 42,476.00 | 37,732.00 | 32,662.00 | 26,181.00 | 22,097.00 | 19,432.00 | 16,147.00 | 13,546.00 | 11,897.00 | 5,129.00 | 4,900.00 | 6,579.00 |
| Total Liabilities | 268,331.00 | 224,614.00 | 176,917.00 | 131,033.00 | 97,771.00 | 88,616.00 | 75,855.00 | 67,937.00 | 53,407.00 | 7,892.00 | 9,665.00 | 30,338.00 |
| Fixed Assets | 2,209.00 | 2,029.00 | 1,784.00 | 623.00 | 464.00 | 447.00 | 479.00 | 306.00 | 311.00 | 102.00 | 1,336.00 | 1,521.00 |
| CWIP | 97.00 | 54.00 | 35.00 | 60.00 | 40.00 | 10.00 | 11.00 | 14.00 | 4.00 | 0.00 | 56.00 | 40.00 |
| Investments | 24,968.00 | 24,271.00 | 20,058.00 | 17,536.00 | 13,282.00 | 11,678.00 | 8,893.00 | 7,552.00 | 6,211.00 | 6,536.00 | 5,141.00 | 2,665.00 |
| Other Assets | 241,056.00 | 198,260.00 | 155,041.00 | 112,813.00 | 83,984.00 | 76,481.00 | 66,472.00 | 60,065.00 | 46,881.00 | 1,254.00 | 3,131.00 | 26,112.00 |
| Total Assets | 268,331.00 | 224,614.00 | 176,917.00 | 131,033.00 | 97,771.00 | 88,616.00 | 75,855.00 | 67,937.00 | 53,407.00 | 7,892.00 | 9,665.00 | 30,338.00 |
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 | -30,033.00 | -34,201.00 | -35,726.00 | -29,329.00 | -5,738.00 | -9,719.00 | -1,914.00 | -9,274.00 | -6,302.00 | 594.00 | -500.00 | -1,685.00 |
| Cash from Investing Activity | -2,528.00 | -1,038.00 | -2,625.00 | 295.00 | -135.00 | -62.00 | -96.00 | -94.00 | -1,825.00 | -1,263.00 | 193.00 | -461.00 |
| Cash from Financing Activity | 35,650.00 | 39,652.00 | 38,269.00 | 27,288.00 | 7,073.00 | 7,688.00 | 2,427.00 | 12,171.00 | 8,287.00 | -69.00 | 748.00 | 1,704.00 |
| Net Cash Flow | 3,089.00 | 4,413.00 | -82.00 | -1,746.00 | 1,199.00 | -2,093.00 | 417.00 | 2,803.00 | 160.00 | -738.00 | 441.00 | -443.00 |
| Free Cash Flow | -30,365.00 | -34,528.00 | -36,887.00 | -29,586.00 | -5,874.00 | -9,781.00 | -2,011.00 | -9,367.00 | -6,391.00 | 568.00 | -674.00 | -1,822.00 |
| CFO/OP % | -131.00 | -173.00 | -238.00 | -296.00 | -65.00 | -125.00 | -17.00 | -145.00 | -126.00 | 230.00 | -13.00 | -41.00 |
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
31 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 07 Aug 2026 | 07 Aug 2026 | — | 1.30 | |
| Dividend | 01 Aug 2025 | 01 Aug 2025 | — | 1.30 | |
| Dividend | 02 Aug 2024 | — | — | 0.55 | |
| Dividend | 03 Aug 2023 | — | — | 0.55 | |
| Dividend | 02 Aug 2022 | — | — | 0.55 | |
| Dividend | 27 Jul 2021 | — | — | 0.55 | |
| Dividend | 05 Mar 2020 | 06 Mar 2020 | — | 0.65 | |
| Dividend | 24 Jul 2019 | — | — | 0.65 | |
| Dividend | 14 Feb 2019 | 15 Feb 2019 | — | 0.60 | |
| Dividend | 23 Jul 2018 | — | — | 0.65 | |
| Dividend | 15 Feb 2018 | 19 Feb 2018 | — | 0.60 | |
| Other | 24 Aug 2017 | 28 Aug 2017 | — | — | Spin Off |
| Other | 24 Aug 2017 | 28 Aug 2017 | — | — | Reduction of Capital |
| Dividend | 17 Feb 2017 | 20 Feb 2017 | — | 1.25 | |
| Dividend | 20 Jul 2016 | — | — | 3.50 | |
| Dividend | 15 Feb 2016 | 16 Feb 2016 | — | 1.50 | |
| Dividend | 22 Jul 2015 | — | — | 0.50 | |
| Dividend | 13 Feb 2015 | 16 Feb 2015 | — | 1.50 | |
| Dividend | 16 Jul 2014 | — | — | 0.50 | |
| Dividend | 13 Feb 2014 | 14 Feb 2014 | — | 1.50 | |
| Dividend | 17 Jul 2013 | — | — | 0.50 | |
| Dividend | 12 Feb 2013 | 13 Feb 2013 | — | 1.50 | |
| Dividend | 19 Jul 2012 | — | — | 1.00 | |
| Dividend | 10 Feb 2012 | 13 Feb 2012 | — | 2.00 | |
| Dividend | 13 Jul 2011 | — | — | 1.50 | |
| Dividend | 08 Feb 2011 | 09 Feb 2011 | — | 1.50 | |
| Dividend | 14 Jul 2010 | — | — | 1.50 | |
| Dividend | 15 Jul 2009 | — | — | 1.00 | |
| Dividend | 09 Jul 2008 | — | — | 1.00 | |
| Dividend | 11 Jul 2007 | — | — | 1.50 | |
| Dividend | 04 Jul 2001 | — | — | 5.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update12 Mar from fitch
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Rating update13 Mar 2025 from fitch
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Rating update18 Mar 2024 from fitch
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Rating update20 Mar 2023 from fitch
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Rating update22 Mar 2022 from fitch
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Rating update23 Mar 2021 from fitch