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Investor Presentation

Cholamandalam Investment & Finance Company Investor Presentation: Key Takeaways

Q2 FY27 PAT ₹1,630 Cr (+41% YoY); disbursements +47% to ₹35,872 Cr; AUM ₹2,48,045 Cr (+25%); NIM 7.9%.

Cholamandalam Investment & Finance Company Ltd NSE: CHOLAFIN Alert sent Investor presentation
Highlights
Revenue growthIncome +23% YoY in Q2 to ₹9,367 Cr
MarginsQ2 NIM 7.9% flat; H1 NIM 8.0% vs 7.8%
Demand visibilityIndustry Q2 growth: HCV +40%, LCV +25%, PV +31%

Growth

Q2 PBT ₹2,188 Cr (+40%); H1 PAT ₹3,284 Cr (+43%); Q2 net income +24%; ROE 19.4%.

Outlook

No explicit company guidance; management cites positive HCV, LCV and PV outlook and calibrated portfolio expansion.

Risks

Stage 3 at 3.25%; GNPA 4.44%; tractor sales fell 3% in Q2 on high base and uneven monsoon.

Last quarter's promises, checked

Delivered

  • Guided 22–23% disbursement growth → Q2 +47% to ₹35,872 Cr (= BEAT)
  • Guided ~23% AUM growth → Q2 +25% to ₹2,48,045 Cr (= BEAT)
  • Guided Q2 disbursements ≥ Q1 (₹29,612 Cr) → ₹35,872 Cr (= BEAT)

Partly delivered

  • Guided Stage 3 improving from 3.29% → 3.25% (= PARTIAL)
  • Guided 360 gold branches in FY27 → 308 by Sep-26 (= PARTIAL, not yet due)

Missed

  • Guided NIM 8.2% held/improving → Q2 7.9% (= MISS)
Source

Investor Presentation filed with NSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.

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Cholamandalam Investment & Finance Company Ltd: key numbers

Share price
₹1,545.20
Market cap
₹1,30,295 Cr
Revenue (annual)
₹31,073 Cr
Net profit (annual)
₹5,233 Cr
P/E (TTM)
20.9×Sector 19.7×
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.

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