ALFA Finder| Management target | Revenue 23.0% FY27 |
|---|
| Revenue growth | AUM grew 21% YoY; disbursements up 25% to 32,913 Cr. |
|---|---|
| Margins | NIM improved by 40 bps YoY as cost of funds softened. |
| Demand visibility | Strong demand in commercial and passenger vehicles in early Q1. |
| Management confidence | Confident but cautious; added a 200 Cr precautionary buffer. |
Growth
AUM grew 21% YoY to 2.42 lakh Cr, driven by strong 26% growth in vehicle finance.
Outlook
Projecting 20-23% AUM growth for FY27 with Net Credit Costs targeted at 1.5% and 3.5% Pre-tax ROA.
Risks
Precautionary overlay for fuel price volatility and global supply chain disruptions; higher credit costs in CSEL segment.
Last quarter's promises, checked
Delivered
- Guided 20-23% growth → delivered 21% AUM growth (= BEAT)
- Guided ROA 3.5% (pre-tax) → delivered 4.1% (before overlay) (= BEAT)
- Guided 1.6% credit cost → delivered 1.4% (before overlay) (= BEAT)
Partly delivered
- Guided home loan growth → delivered mild moderation due to elections (= PARTIAL)
Earnings Call Transcript filed with BSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.
Cholamandalam Investment & Finance Company Ltd: key numbers
- Share price
- ₹1,862.00
- Market cap
- ₹1,57,031 Cr
- Revenue (annual)
- ₹31,073 Cr
- Net profit (annual)
- ₹5,233 Cr
- P/E (TTM)
- 25.2×Sector 21.2×
- Promoter holding
- 48.93%-0.29% QoQ
- FII holding
- 24.87%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Cholamandalam Investment & Finance Company Ltd
All →Cholamandalam Investment & Finance Company Fund Raise of ₹5,000 Cr
Cholamandalam Investment sent shareholders a postal ballot notice seeking approval for a Rs 5,000 crore QIP. E-voting runs November 10 to December 9, 2026.
- Value
- ₹5,000 Cr
- Execution
- Allotment to be completed within 365 days of shareholder approval
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Cholamandalam Investment filed a bundle of routine compliance letters: RTA office-address change, share capital reconciliation, Reg 74(5) certificate, and Reg 6(1)/7(1) confirmations. None involves a transaction, money, or business event.
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Cholamandalam Investment and Finance paid Rs.3.84 Crore annual interest on its 9.30% 2030 PDI23 debentures on 3 November 2026. The payment settles an existing debt obligation on Rs.45.00 Crore issue size.
- Value
- ₹3.84 Cr
Cholamandalam Investment & Finance Company Employee Stock Options
Cholamandalam Investment and Finance allotted 1,20,202 equity shares to employees upon the exercise of stock options. The company will now seek listing for these shares.
Cholamandalam Investment & Finance Company Fund Raise
Cholamandalam's board approved a Qualified Institutions Placement fund raise on 28 October 2026, subject to shareholder postal ballot. The quantum, price and terms remain undetermined.
Cholamandalam Investment & Finance Company Earnings Call Transcript: Key Takeaways
Management reported strong growth across all segments, achieving an AUM of ₹2,42,630 Cr.
- Call
- Guides 23% growth