Cholamandalam Investment and Finance Company quarterly results and financials

Cholamandalam Investment and Finance Company (CHOLAFIN)₹1,791+1.19%(9 Nov 2026 close)Non Banking Financial Company (NBFC)

Key facts

In the Sep 2026 quarter (consolidated), Cholamandalam Investment and Finance Company reported revenue of ₹9,294 Cr, up 23.8% from Sep 2025, and net profit of ₹1,625 Cr, up 40.4% year on year. For the year to Mar 2026, revenue were ₹31,160 Cr and net profit ₹5,214 Cr.

Revenue (Sep 2026): ₹9,294 Cr
Net profit (Sep 2026): ₹1,625 Cr
Revenue (FY Mar 2026): ₹31,160 Cr
Net profit (FY Mar 2026): ₹5,214 Cr
EPS (Sep 2026): ₹19.05
Borrowings (Mar 2026): ₹2.11 L Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

Cholamandalam Investment and Finance Company quarterly results

₹ crore unless stated; each column is a quarter.

Cholamandalam Investment and Finance Company Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	5,013	5,422	5,825	6,262	6,745	7,063	7,283	7,509	7,909	8,428	8,871	9,294
Interest	2,450	2,586	2,803	3,068	3,288	3,373	3,480	3,528	3,656	3,764	4,023	4,347
Net interest income	2,563	2,836	3,022	3,195	3,457	3,689	3,803	3,981	4,254	4,664	4,848	4,947
Expenses	1,408	1,415	1,723	1,892	2,033	2,006	2,280	2,452	2,549	2,589	2,645	2,785
Financing Profit	1,158	1,417	1,292	1,302	1,424	1,674	1,515	1,517	1,701	2,070	2,200	2,152
Financing Margin %	23.0%	26.0%	22.0%	21.1%	21.0%	24.0%	21.0%	20.0%	22.1%	25.0%	25.0%	23.1%
Other Income	47.09	105	45.10	68.13	105	92.21	87.25	123	111	148	102	125
Depreciation	46.13	75.20	59.15	63.18	59.22	64.17	67.22	71.28	74.20	72.21	75.22	83.32
Profit before tax	1,159	1,448	1,280	1,309	1,470	1,704	1,537	1,571	1,742	2,149	2,232	2,194
Tax %	25.0%	25.9%	26.0%	25.9%	26.0%	26.0%	26.0%	26.0%	26.0%	23.0%	26.0%	25.9%
Net Profit	870	1,061	944	965	1,085	1,255	1,134	1,157	1,286	1,639	1,650	1,625
EPS (Rs)	10.38	12.67	11.26	11.51	12.93	14.97	13.52	13.77	15.26	19.29	19.40	19.05
Gross NPA %	3.9%	3.5%	3.6%	3.8%	4.0%	4.0%	4.3%	4.6%	4.6%	4.4%	4.5%	4.4%
Net NPA %	2.6%	2.3%	2.4%	2.5%	2.7%	2.6%	2.9%	3.1%	3.1%	2.9%	3.0%	2.9%
Provision coverage (approx., excl. write-offs) %	34.7%	34.5%	34.5%	34.4%	33.5%	33.8%	33.3%	32.8%	32.4%	34.2%	34.4%	34.2%

Cholamandalam Investment and Finance Company profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Cholamandalam Investment and Finance Company Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	4,221	4,702	5,568	7,115	8,733	9,607	10,159	12,911	19,207	25,951	31,160	34,502
Interest	2,054	2,234	2,664	3,598	4,609	4,587	4,313	5,769	9,257	12,526	14,426	15,790
Net interest income	2,166	2,467	2,904	3,517	4,123	5,020	5,846	7,142	9,951	13,425	16,734	18,712
Expenses	1,263	1,319	1,446	1,627	2,416	2,851	2,920	3,614	5,376	7,655	9,861	10,568
Financing Profit	901	1,145	1,453	1,892	1,703	2,154	2,931	3,524	4,559	5,736	6,855	8,124
Financing Margin %	21.0%	24.0%	26.0%	27.1%	20.0%	22.1%	29.0%	27.1%	24.0%	22.0%	22.0%	23.6%
Other Income	2.01	3.01	0.00	1.01	0.00	0.00	84.28	221	256	262	413	487
Depreciation	22.09	39.12	51.18	57.21	111	102	101	121	199	246	285	305
Profit before tax	882	1,110	1,404	1,838	1,592	2,053	2,917	3,623	4,617	5,756	6,993	8,316
Tax %	35.0%	34.9%	34.0%	34.9%	33.9%	26.0%	26.0%	26.0%	25.9%	26.0%	25.0%	—
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	−1.01	−3.01	−5.01	—
Net Profit	573	715	914	1,193	1,051	1,517	2,145	2,657	3,406	4,247	5,214	6,200
EPS (Rs)	7.35	9.20	11.75	15.30	12.85	18.54	26.22	32.38	40.68	50.68	61.36	73.00
Dividend payout %	11.9%	12.0%	11.0%	8.0%	13.0%	11.0%	8.0%	6.0%	5.0%	4.0%	3.0%	—

Cholamandalam Investment and Finance Company balance sheet

₹ crore, at each year end.

Cholamandalam Investment and Finance Company Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	144	156	156	156	156	164	164	164	164	168	168	170
Reserves	2,535	3,519	4,150	4,974	6,060	8,057	9,449	11,622	14,209	19,453	23,537	30,332
Borrowings	19,973	22,553	24,098	38,341	50,613	55,093	63,802	69,227	97,436	1,34,636	1,75,230	2,11,264
Other Liabilities	1,249	1,681	2,241	714	718	857	1,320	1,543	1,932	2,631	3,197	3,939
Total Liabilities	23,902	27,909	30,644	44,186	57,547	64,171	74,735	82,556	1,13,742	1,56,888	2,02,133	2,45,705
Fixed Assets	69.11	120	150	170	167	283	228	259	404	1,564	1,783	1,873
CWIP	0.00	0.00	0.00	3.99	14.01	10.99	9.99	37.01	59.95	12.99	11.01	41.95
Investments	25.10	16.04	183	23.09	42.14	33.10	1,589	2,063	3,573	4,047	6,393	6,674
Other Assets	23,809	27,773	30,311	43,989	57,324	63,845	72,908	80,197	1,09,705	1,51,265	1,93,946	2,37,117
Trade receivables	12.01	12.01	22.01	68.97	40.98	29.99	57.01	71.04	99.06	213	205	327
Cash & equivalents	353	510	496	955	3,719	7,019	5,297	4,313	3,014	4,405	9,526	14,736
Total Assets	23,902	27,909	30,644	44,186	57,547	64,171	74,735	82,556	1,13,742	1,56,888	2,02,133	2,45,705

Cholamandalam Investment and Finance Company cash flow

₹ crore, for each year.

Cholamandalam Investment and Finance Company Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−2,261	−2,809	−1,468	−7,921	−9,314	−2,073	−8,844	−5,569	−27,103	−35,644	−32,391	−30,009
Cash from investing activity	−39.89	−137	−221	−59.90	−10.98	−53.91	−1,570	1,636	−2,143	−2,848	−2,941	−2,549
Cash from financing activity	1,819	3,033	1,693	8,012	12,201	2,452	8,514	5,152	27,483	38,478	39,824	35,642
Net cash flow	−484	84.98	1.99	21.98	2,861	323	−1,898	1,217	−1,786	−65.99	4,429	3,033
Capex	31.01	77.02	57.99	69.03	77.01	72.03	33.01	73.03	189	1,076	200	265
Free cash flow	−2,291	−2,884	−1,523	−7,982	−9,380	−2,142	−8,857	−5,659	−27,256	−36,693	−32,537	−30,222

Cholamandalam Investment and Finance Company ratios

Working-capital days and returns, by year.

Cholamandalam Investment and Finance Company Ratios
	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 %	17.9%	18.0%	18.0%	20.0%	21.0%	14.9%	17.0%	20.0%	19.9%	20.0%	19.9%	19.0%

Cholamandalam Investment and Finance Company: frequently asked questions

What are the latest quarterly results of Cholamandalam Investment and Finance Company?

For the Sep 2026 quarter, Cholamandalam Investment and Finance Company reported revenue of ₹9,294 Cr, up 23.8% year on year and net profit of ₹1,625 Cr, up 40.4% year on year.

What is the annual revenue of Cholamandalam Investment and Finance Company?

Cholamandalam Investment and Finance Company's revenue for the year to Mar 2026 were ₹31,160 Cr; over the last twelve months they were ₹34,502 Cr.

What is the net profit of Cholamandalam Investment and Finance Company?

Net profit for the year to Mar 2026 was ₹5,214 Cr, and ₹6,200 Cr over the last twelve months. Earnings per share over the same trailing period were ₹73.00.

What is the free cash flow of Cholamandalam Investment and Finance Company?

Cash from operations was −₹30,009 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹30,222 Cr.

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