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Cholamandalam Investment and Finance Company Ltd

Cholamandalam Investment and Finance Company Ltd

CHOLAFIN Share Price

NSE
₹1,770.806.80% (+112.80)
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With a market cap of ₹1,42,195 cr, stock is ranked 71

Stock is 2.42x 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 ₹1,42,195 cr, stock is ranked 71

Stock is 2.42x as volatile as Nifty

CHOLAFIN Performance & Key Metrics

CHOLAFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
22.854.670.12%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.082.101.25%

CHOLAFIN Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
88%
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 

Oct 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
32.20
32.20
1Y Return
5.96%
5.96%
Buy Reco %
87.50
87.50
PE Ratio
21.33
21.33
1Y Return
14.09%
14.09%
Buy Reco %
91.18
91.18
PE Ratio
99.07
99.07
1Y Return
26.38%
26.38%
Buy Reco %
100.00
100.00
PE Ratio
29.20
29.20
1Y Return
2.57%
2.57%
Buy Reco %
92.86
92.86
PE Ratio
10.27
10.27
1Y Return
15.01%
15.01%
Buy Reco %
63.16
63.16
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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Quarterjun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026sep 2026
Total Revenue5,857.286,323.016,837.677,137.347,353.827,614.688,009.288,564.688,958.179,395.84
Operating & Other expensessubtract4,523.264,955.505,312.875,374.695,754.385,977.746,199.766,349.926,659.557,124.29
Depreciation/Amortizationsubtract58.9662.6359.1564.0967.4471.0373.7871.6475.0683.17
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract327.91337.08377.44439.02394.17406.30445.77497.92567.34558.04
EPS11.2711.5212.9514.9813.5313.7815.2919.3319.4319.09

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

Oct 28PDF
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
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 Ltd27.174.670.12%
Bajaj Finance Ltd32.205.290.60%
Shriram Finance Limited21.333.240.95%
Jio Financial Services Limited99.071.140.25%
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 Holding48.93%14.80%5.58%24.87%5.83%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

CHOLAFIN Shareholding History

CHOLAFIN Shareholding History

JunSepDec '25MarJunSep27.96%26.85%26.55%24.87%24.45%24.87%

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)
0.7519%2.04%-0.10%17/62 (+3)
0.5970%2.28%-0.13%14/51 (+1)
0.5006%1.07%-0.78%58/78 (-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
7.26%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
6.00%
6.00%
CAGR
6.35%

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 0.12%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.20 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 0.12%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.20 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 grants equity shares to employees via stock option scheme

Cholamandalam Investment and Finance Company Limited announced that its Nomination and Remuneration Committee has approved the allotment of 1,20,202 equity shares with a face value of Rs 2 each to eligible employees pursuant to the exercise of options under its employee stock option scheme.

6 days agoCapital Market - Live
Earnings
Earnings
Cholamandalam Investment & Finance Company Ltd consolidated sales up 4.68% on year in Q3FY2026

Cholamandalam Investment & Finance Company Ltd share price inched up 4.67% to Rs 1545.5 after the company's net profit softened by 1.56% to Rs 1630.34 crore, while revenue from operations improved marginally 4.68% to Rs 9270.92 crore in Q3FY26 over Q2FY26. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 19.88 lakh crore, gaining 6.99%. It has slipped by 2.72% over last one week and tumbled 18.60% in last one month while the market capitalization of Cholamandalam Investment & Finance Company Ltd has marginally improved by 0.79% and 16.27% in the same period respectively. Profit before tax (PBT) of Cholamandalam Investment & Finance Company Ltd stood at Rs 2188.38 crore in Q3 FY26, expanding by 39.75% year-on-year, and slipping 1.58% quarter-on-quarter. EBITDA came in at Rs 2023 crore, rallying 45.38% YoY and declining 3.50% sequentially. Total expenses posted a minor rise of 7.02% to Rs 7207.46 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 1431.67 crore, witnessing a strong rise of 24.60% YoY. For the TTM ended FY26, revenue from operations jumped by 20.22% to Rs 31073.1 crore, while net profit surged by 22.75% to Rs 5232.61 crore, compared to previous TTM. EBITDA soared by 541078% to Rs 6325.67 crore, and PBT soared 21.46% to Rs 6976.77 crore compared to previous TTM. Cholamandalam Investment & Finance Company Ltd crashed 10.31% in last one year, outperforming the benchmark BSE Sensex which has declined by 13.45% during the same period.

1 week agoCapital Market - Live
Earnings
Earnings
Cholamandalam Investment & Finance Company Ltd consolidated sales up 4.68% on year in Q3FY2026

Cholamandalam Investment & Finance Company Ltd share price gained 1.48% to Rs 1476.55 after the company's net profit eased 1.56% to Rs 1630.34 crore, while revenue from operations improved marginally 4.68% to Rs 9270.92 crore in Q3FY26 over Q2FY26. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 19.14 lakh crore, easing 6.98%. It has softened by 3.95% over last one week and crashed 16.49% in last one month while the market capitalization of Cholamandalam Investment & Finance Company Ltd has eased by 3.11% and 16.56% in the same period respectively. Profit before tax (PBT) of Cholamandalam Investment & Finance Company Ltd stood at Rs 2188.38 crore in Q3 FY26, rallying 39.75% year-on-year, and slipping 1.58% quarter-on-quarter. EBITDA came in at Rs 2023 crore, jumping 45.38% YoY and declining 3.50% sequentially. Total expenses saw a slight increase of 7.02% to Rs 7207.46 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 1431.67 crore, surging 24.60% YoY. For the TTM ended FY26, revenue from operations witnessed a strong growth of 20.22% to Rs 31073.1 crore, while net profit surged by 22.75% to Rs 5232.61 crore, compared to previous TTM. EBITDA witnessed a strong improvement of 541078% to Rs 6325.67 crore, and PBT jumped 21.46% to Rs 6976.77 crore compared to previous TTM. Cholamandalam Investment & Finance Company Ltd tumbled by 14.70% in last one year, significantly underperforming the benchmark BSE Sensex which has reduced by 13.19% during the same period.

1 week agoCapital Market - Live
Corporate
Corporate
Cholamandalam Investment submits certificate to NSE and BSE for period ending September 30

Cholamandalam Investment and Finance Company Limited submitted a certificate to the National Stock Exchange of India Limited and BSE Ltd. on October 15, 2026, for the period July 1, 2026, to September 30, 2026, in compliance with Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, as certified by KFin Technologies Limited, the company’s Registrar and Share Transfer Agent.

3 weeks agoCapital Market - Live
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 weeks 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 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 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 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 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.

1 month 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.

2 months 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.

2 months agoCapital Market - Live

Frequently asked questions

  1. The share price of CHOLAFIN as on 5th November 2026 is ₹1770.80. 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: 19.28%
    • Past 1 month: 10.61%
    • Past 3 months: -11.81%
    • Past 6 months: 1.13%
    • Past 1 year: -5.03%
    • Past 3 years: 46.17%
    • Past 5 years: 169.57%

  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 0.12.

  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 ₹142195.22 Cr as of 5th November 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 27.17. The P/B (price-to-book) ratio is 4.67.

  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.