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Cholamandalam Investment and Finance Company Ltd

Cholamandalam Investment and Finance Company Ltd

CHOLAFIN Share Price

NSE
₹1,580.700.43% (-6.90)
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With a market cap of ₹1,35,644 cr, stock is ranked 69

Stock is 2.44x as volatile as Nifty

CHOLAFIN Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Avg

Financials growth has been moderate for a few years

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,35,644 cr, stock is ranked 69

Stock is 2.44x as volatile as Nifty

CHOLAFIN Performance & Key Metrics

CHOLAFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
23.594.450.13%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.972.071.27%

CHOLAFIN Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
84%
Analysts have suggested that investors can buy this stock

from 32 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

CHOLAFIN Company Profile

Cholamandalam Investment and Finance Company Limited is a non-banking finance company that provides vehicle finance, home loans and corporate mortgage loans, small and medium enterprises (SME) loans, investment advisory services etc.

Investor Presentation

View older View older 

Jul 28, 2026

PDF
View Older Presentations

CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 

CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
31.41
31.41
1Y Return
7.67%
7.67%
Buy Reco %
84.38
84.38
PE Ratio
22.08
22.08
1Y Return
38.27%
38.27%
Buy Reco %
93.75
93.75
PE Ratio
90.79
90.79
1Y Return
30.80%
30.80%
Buy Reco %
100.00
100.00
PE Ratio
27.73
27.73
1Y Return
1.06%
1.06%
Buy Reco %
92.86
92.86
PE Ratio
9.95
9.95
1Y Return
18.04%
18.04%
Buy Reco %
57.89
57.89
Compare with Peers

CHOLAFIN Sentiment Analysis

CHOLAFIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CHOLAFIN Stock Summary · August 2026

Management described a quarter of broad-based growth and improving profitability, with disbursements up 22% year on year to INR29,612 crores and assets under management rising 23% to INR2,54,392 crores. The company said momentum was spread across core businesses, led by vehicle finance and supported by MSME and consumer lending, even as reported disbursement trends were distorted by a one-time change in recognition timing, which management said makes AUM the cleaner measure. Margin performance strengthened as net interest margins expanded by 42 bps, mainly on lower funding costs, helping return on assets rise to 3.7% and return on equity to 21.2%. Credit quality also improved, with net credit cost easing to 1.5%, already meeting the full-year target, while the seasonal rise in GNPA was described as manageable rather than a sign of fresh stress. Management emphasized a strong balance sheet, with capital adequacy at 19.81% and liquid assets of INR23,984 crores, and said the near-term outlook remains stable, with funding costs broadly steady, credit costs improving further, and the recognition gap in vehicle finance expected to fade from next quarter.

CHOLAFIN Stock Growth Drivers
CHOLAFIN Stock Growth Drivers
5
  • Broad-Based Franchise Growth and Strong Disbursement Momentum

    The company delivered a strong start to FY27 with broad-based growth across its core lending

  • Improving Profitability Through Higher Margins and Better Asset Quality

    Profitability improved materially as lower funding costs and better portfolio performance lifted both margins and

CHOLAFIN Stock Challenges
CHOLAFIN Stock Challenges
5
  • Rising Funding Cost Pressure

    The company faces an adverse funding-cost backdrop as market borrowing costs have hardened and management

  • Tougher Second-Half Growth Comparison

    Disbursement growth is expected to face a more difficult comparison in the second half because

CHOLAFIN Forecast

CHOLAFIN Forecasts

Price

Revenue

Earnings

CHOLAFIN

CHOLAFIN

Income

Balance Sheet

Cash Flow

CHOLAFIN Income Statement

CHOLAFIN Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue5,515.375,857.286,323.016,837.677,137.347,353.827,614.688,009.288,564.688,958.17
Operating & Other expensessubtract3,996.024,523.264,955.505,312.875,374.695,754.385,977.746,199.766,349.926,659.55
Depreciation/Amortizationsubtract75.1858.9662.6359.1564.0967.4471.0373.7871.6475.06
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract378.94327.91337.08377.44439.02394.17406.30445.77497.92567.34
EPS12.6811.2711.5212.9514.9813.5313.7815.2919.3319.43

CHOLAFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 28PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

Apr 30PDF
Jan 30PDF
Nov 6PDF
Jul 31PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 25PDF
Jan 31PDF
Oct 25PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 3PDF
Jan 31PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
 

CHOLAFIN Stock Peers

CHOLAFIN Past Performance & Peer Comparison

CHOLAFIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Cholamandalam Investment and Finance Company Ltd25.924.450.13%
Bajaj Finance Ltd31.415.110.62%
Shriram Finance Limited22.083.360.92%
Jio Financial Services Limited90.791.060.27%
ScreenerCompare valuation on Screener

CHOLAFIN Stock Price Comparison

Compare CHOLAFIN with any stock or ETF
Compare CHOLAFIN with any stock or ETF
CHOLAFIN
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CHOLAFIN Holdings

CHOLAFIN Shareholdings

CHOLAFIN Promoter Holdings Trend

CHOLAFIN Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

CHOLAFIN Institutional Holdings Trend

CHOLAFIN Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

CHOLAFIN Shareholding Pattern

CHOLAFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding49.22%15.14%5.47%24.45%5.70%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

CHOLAFIN Shareholding History

CHOLAFIN Shareholding History

MarJunSepDec '25MarJun28.23%27.96%26.85%26.55%24.87%24.45%

Mutual Funds Invested in CHOLAFIN

Mutual Funds Invested in CHOLAFIN

No mutual funds holding trends are available

Top 5 Mutual Funds holding Cholamandalam Investment and Finance Company Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.7882%2.04%-0.10%17/62 (+3)
0.6258%2.28%-0.13%14/51 (+1)
0.5624%1.15%-0.70%56/74 (-10)

Compare 3-month MF holding change on Screener

CHOLAFIN Insider Trades & Bulk Stock Deals

CHOLAFIN Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing CHOLAFIN stock

smallcases containing CHOLAFIN stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Cholamandalam Investment and Finance Company Ltd

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Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
6.39%
6.39%
CAGR
7.47%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
6.00%
6.00%
CAGR
6.58%

CHOLAFIN Events

CHOLAFIN Events

CHOLAFIN Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CHOLAFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.26 every year

Dividends

Corp. Actions

Announcements

Legal Orders

CHOLAFIN Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CHOLAFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.26 every year

CHOLAFIN Upcoming Dividends

CHOLAFIN Upcoming Dividends

No upcoming dividends are available

CHOLAFIN Past Dividends

CHOLAFIN Past Dividends

Cash Dividend

Ex DateEx DateJul 21, 2026

Final
Final | Div/Share: ₹0.70

Dividend/Share

₹0.70

Ex DateEx Date

Jul 21, 2026

Cash Dividend

Ex DateEx DateFeb 5, 2026

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

₹1.30

Ex DateEx Date

Feb 5, 2026

Cash Dividend

Ex DateEx DateJul 24, 2025

Final
Final | Div/Share: ₹0.70

Dividend/Share

₹0.70

Ex DateEx Date

Jul 24, 2025

Cash Dividend

Ex DateEx DateFeb 7, 2025

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

₹1.30

Ex DateEx Date

Feb 7, 2025

Cash Dividend

Ex DateEx DateJul 19, 2024

Final
Final | Div/Share: ₹0.70

Dividend/Share

₹0.70

Ex DateEx Date

Jul 19, 2024

CHOLAFIN Stock News & Opinions

CHOLAFIN Stock News & Opinions

Corporate
Corporate
Cholamandalam Investment to review financial results at a board meeting on October 28, 2026

Cholamandalam Investment and Finance Company Limited will hold a board meeting on Wednesday, October 28, 2026, to approve the audited standalone and consolidated financial statements for the quarter and half-year ended September 30, 2026, according to a regulatory filing with the National Stock Exchange of India Limited and the BSE Limited. The trading window for the company's designated persons will be closed from October 1, 2026, to October 30, 2026, inclusive, in connection with the financial results publication.

3 days agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment converts debentures into equity shares, fulfilling placement document terms

Cholamandalam Investment and Finance Company Limited announced that its QIP Committee approved the conversion of 43,000 Compulsorily Convertible Debentures into 30,54,849 equity shares at a conversion price of Rs 1,407.59 per share, according to a regulatory filing on September 30, 2026. The conversion fulfills the terms of the Placement Document related to 7.5% CCDs issued to qualified institutional buyers, with the newly allotted equity shares ranking pari-passu with existing shares and to be listed on the BSE Limited and National Stock Exchange of India Limited.

1 week agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment allocates shares to employees under its stock option scheme

Cholamandalam Investment and Finance Company Limited announced that its Nomination and Remuneration Committee has approved the allotment of 91,063 equity shares of Rs 2 each to eligible employees following the exercise of options under its employee stock option scheme, and the company will apply for the final listing of these shares on the National Stock Exchange of India Limited and the BSE Ltd.

1 week agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment allocates shares to employees under its stock option scheme

Cholamandalam Investment and Finance Company Limited announced that its Nomination and Remuneration Committee has approved the allotment of 54,302 equity shares of Rs 2 each to eligible employees following the exercise of options under the employee stock option scheme, and the company will apply for the final listing of these shares on the National Stock Exchange of India Limited and the BSE Limited.

2 weeks agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment allocates Rs 2000 crore in unsecured perpetual securities via private placement

Cholamandalam Investment and Finance Company Limited announced it has allotted 2000 unsecured perpetual non-convertible securities through a private placement on the NSE EBP, with a total issue size of Rs 2000 crore, listed in the WDM segment of the NSE, carrying a coupon rate of 8.97% and a call option on September 2, 2036.

1 month agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment secures Rs 350 crore via private placement, listing on the NSE

Cholamandalam Investment and Finance Company Limited announced it has allotted 350,000 secured non-convertible securities through a private placement on the NSE EBP for Rs 350 crore as part of an issue size of Rs 1000 crore (with a Rs 650 crore green shoe option), listing on the WDM segment of the NSE with a tenure of 2 years, 10 months, and 11 days, an 8.64% coupon rate, a 7.98% re-issue yield, and coupon payment dates of July 2, 2027, and on maturity date, July 2, 2029.

1 month agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment allocates shares to employees under its stock option scheme

Cholamandalam Investment and Finance Company Limited announced that its Nomination and Remuneration Committee has approved the allotment of 43,050 equity shares of Rs 2 each to eligible employees following the exercise of options under its employee stock option scheme, and the company will apply for the final listing of these shares on the National Stock Exchange of India Limited and the BSE Limited.

1 month agoCapital Market - Live
Earnings
Earnings
Cholamandalam Investment & Finance Company consolidated net profit rises 45.56% in the June 2026 quarter

Net profit of Cholamandalam Investment & Finance Company rose 45.56% to Rs 1656.22 crore in the quarter ended June 2026 as against Rs 1137.83 crore during the previous quarter ended June 2025. Sales rose 21.87% to Rs 8856.29 crore in the quarter ended June 2026 as against Rs 7266.80 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales8856.297266.80 22 OPM %70.0568.54 - PBDT2298.621599.44 44 PBT2223.561532.00 45 NP1656.221137.83 46 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment & Fin. Co. to convene board meeting

Cholamandalam Investment & Fin. Co. will hold a meeting of the Board of Directors of the Company on 28 July 2026.

3 months agoCapital Market - Live
Spotlight
Spotlight
Cholamandalam Investment & Finance Company Ltd spurts 3.13%, gains for five straight sessions

Cholamandalam Investment & Finance Company Ltd rose for a fifth straight session today. The stock is quoting at Rs 1779.9, up 3.13% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.7% on the day, quoting at 23991.35. The Sensex is at 76862.12, up 0.87%. Cholamandalam Investment & Finance Company Ltd has added around 11.87% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has added around 2.26% in last one month and is currently quoting at 26329.3, up 1.38% on the day. The volume in the stock stood at 9.15 lakh shares today, compared to the daily average of 16.88 lakh shares in last one month. The benchmark June futures contract for the stock is quoting at Rs 1777, up 3.05% on the day. Cholamandalam Investment & Finance Company Ltd is up 10.64% in last one year as compared to a 4.96% fall in NIFTY and a 0.59% fall in the Nifty Financial Services index.The PE of the stock is 28.16 based on TTM earnings ending March 26.Powered by Capital Market - Live

3 months agoCapital Market - Live

Frequently asked questions

  1. The share price of CHOLAFIN as on 12th October 2026 is ₹1580.70. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share are
    • Past 1 week: -0.21%
    • Past 1 month: -13.94%
    • Past 3 months: -12.56%
    • Past 6 months: 4.88%
    • Past 1 year: -4.04%
    • Past 3 years: 27.00%
    • Past 5 years: 175.82%

  3. The peers or stocks similar to Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) include:

  4. The current dividend yield of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is 0.13.

  5. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹135644.81 Cr as of 12th October 2026.

  6. The 52-week high of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹1952.50 and the 52-week low is ₹1299.40.

  7. The P/E (price-to-earnings) ratio of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is 25.92. The P/B (price-to-book) ratio is 4.45.

  8. Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) belongs to the Financials sector & Consumer Finance sub-sector.

  9. You can directly buy Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) shares on Tickertape. Simply sign up, connect your demat account and place your order.