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
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Management reported strong growth across all segments, achieving an AUM of ₹2,42,630 Cr.
Q2 FY27 PAT ₹1,630 Cr (+41% YoY); disbursements +47% to ₹35,872 Cr; AUM ₹2,48,045 Cr (+25%); NIM 7.9%.
Management maintains a 20-23% growth guidance despite global macro uncertainties. A precautionary 200 Cr overlay was added to mitigate potential fuel and supply chain risks, showcasing a conservative but confident posture.
Cholamandalam reported strong Q1 FY27 results with PAT rising 46% YoY to ₹1,654 Cr. The company is diversifying into Gold loans and maintaining high ROE while expanding its physical branch network.
Chola reported aggregate disbursements of INR 32,913 crores (25% YoY growth) for Q4 FY26, with AUM reaching INR 2,42,630 crores.
Chola reported 25% disbursement growth and 21% AUM growth for Q4FY26. Profitability improved with NIMs up 40bps, despite a ₹200cr precautionary management overlay for global uncertainties.
Cholamandalam reported strong FY26 performance with PAT growing 23% to ₹5,220 Cr and AUM crossing ₹2.42 lakh Cr. Strategy focuses on a diversified product mix across auto, MSME, and consumer ecosystems.
Cholamandalam delivered record performance for FY26 with Assets Under Management (AUM) crossing ₹2.42 lakh Cr, driven by strong growth in Vehicle Finance and newer business segments.