Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

cholamandalam.com(opens the company website in a new tab)
Ask AI

Key metrics

Price as of 2026-09-03

Stock price
₹1849.30
Market cap
1,57,635 Cr
Stock P/E
26.8
P/B
5.17
Dividend yield
0.1%

Sign in for full ratios and TTM. Learn about these metrics →

Share price

NSE closing price from historical market data.

Loading price history…

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024BSE balance sheet (this exchange's own filing had none for this period)Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income2,019 Cr2,175 Cr2,358 Cr2,579 Cr2,718 Cr2,892 Cr3,059 Cr3,188 Cr3,384 Cr3,587 Cr3,860 Cr4,041 Cr
Other income73 Cr47 Cr72 Cr44 Cr67 Cr104 Cr91 Cr86 Cr122 Cr110 Cr147 Cr100 Cr
Net operating income2,091 Cr2,222 Cr2,430 Cr2,623 Cr2,785 Cr2,996 Cr3,151 Cr3,274 Cr3,506 Cr3,697 Cr4,007 Cr4,141 Cr
Employee cost637 Cr695 Cr775 Cr694 Cr806 Cr893 Cr934 Cr936 Cr1,073 Cr1,094 Cr1,092 Cr1,149 Cr
Other expenses350 Cr358 Cr455 Cr451 Cr467 Cr481 Cr451 Cr468 Cr490 Cr550 Cr658 Cr581 Cr
Provisions & contingencies————————————
Depreciation39 Cr46 Cr75 Cr59 Cr63 Cr59 Cr64 Cr67 Cr71 Cr74 Cr72 Cr75 Cr
Profit before tax1,062 Cr1,156 Cr1,444 Cr1,275 Cr1,305 Cr1,466 Cr1,699 Cr1,532 Cr1,566 Cr1,736 Cr2,143 Cr2,224 Cr
Tax %27.2%24.6%26.2%25.7%25.8%25.8%25.8%25.7%25.9%25.7%23.2%25.5%
Net profit773 Cr872 Cr1,065 Cr947 Cr968 Cr1,088 Cr1,260 Cr1,138 Cr1,160 Cr1,290 Cr1,645 Cr1,656 Cr
EPS (₹)₹9.40₹10.40₹12.68₹11.27₹11.52₹12.95₹14.98₹13.53₹13.78₹15.29₹19.33₹19.43

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income—3,533 Cr4,649 Cr5,270 Cr6,335 Cr8,396 Cr11,253 Cr14,019 CrSign in for TTM
Other income21 Cr0.62 Cr4 Cr91 Cr221 Cr280 Cr307 Cr466 CrSign in for TTM
Net operating income21 Cr3,534 Cr4,654 Cr5,361 Cr6,556 Cr8,677 Cr11,560 Cr14,485 CrSign in for TTM
Employee cost605 Cr700 Cr792 Cr957 Cr1,360 Cr2,479 Cr3,328 Cr4,195 CrSign in for TTM
Other expenses1,027 Cr824 Cr744 Cr1,088 Cr1,412 Cr1,590 Cr1,850 Cr2,166 CrSign in for TTM
Provisions & contingencies————————Sign in for TTM
Depreciation57 Cr111 Cr102 Cr101 Cr121 Cr198 Cr245 Cr284 CrSign in for TTM
Profit before tax1,831 Cr1,588 Cr2,047 Cr2,902 Cr3,603 Cr4,615 Cr5,744 Cr6,977 CrSign in for TTM
Tax %34.7%33.6%25.7%25.8%26.0%25.9%25.8%25.0%Sign in for TTM
Net profit1,197 Cr1,054 Cr1,521 Cr2,154 Cr2,665 Cr3,420 Cr4,263 Cr5,233 CrSign in for TTM
EPS (₹)₹76.56₹13.39₹18.55₹26.24₹32.44₹41.17₹50.72₹61.98Sign in for TTM
Dividend payout %———7.6%6.2%4.9%3.9%3.2%Sign in for TTM
Sign in for TTM

Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital156 Cr164 Cr164 Cr164 Cr164 Cr168 Cr168 Cr170 Cr
Reserves6,052 Cr———14,182 Cr19,425 Cr23,500 Cr30,288 Cr
Borrowings50,567 Cr55,005 Cr63,730 Cr69,174 Cr97,358 Cr1,34,475 Cr1,75,036 Cr2,12,100 Cr
Other liabilities715 Cr8,880 Cr10,750 Cr13,141 Cr1,923 Cr2,618 Cr3,182 Cr2,890 Cr
Total liabilities57,490 Cr64,049 Cr74,644 Cr82,479 Cr1,13,627 Cr1,56,686 Cr2,01,887 Cr2,45,448 Cr
Fixed assets (net)145 Cr———375 Cr1,539 Cr1,754 Cr1,839 Cr
CWIP0 Cr———36 Cr0 Cr4 Cr28 Cr
Investments42 Cr33 Cr1,583 Cr2,055 Cr3,585 Cr4,073 Cr6,368 Cr6,646 Cr
Loans & advances0 Cr55,396 Cr65,839 Cr74,145 Cr1,04,810 Cr1,44,463 Cr1,82,038 Cr2,17,744 Cr
Trade receivables0 Cr15 Cr57 Cr71 Cr99 Cr214 Cr204 Cr327 Cr
Cash & bank3,164 Cr———912 Cr846 Cr5,280 Cr8,315 Cr
Other assets54,139 Cr8,606 Cr7,165 Cr6,208 Cr3,811 Cr5,552 Cr6,240 Cr10,550 Cr
Total assets57,490 Cr64,049 Cr74,644 Cr82,479 Cr1,13,627 Cr1,56,686 Cr2,01,887 Cr2,45,448 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity———-5,571 Cr-27,105 Cr-35,683 Cr-32,413 Cr-30,021 Cr
Cash from investing———1,640 Cr-2,148 Cr-2,855 Cr-2,948 Cr-2,554 Cr
Cash from financing———5,150 Cr27,466 Cr38,471 Cr39,795 Cr35,610 Cr
Net cash flow———1,218 Cr-1,787 Cr-66 Cr4,434 Cr3,035 Cr
Free cash flow (OCF − Capex)———-5,644 Cr-27,282 Cr-36,759 Cr-32,613 Cr-30,286 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %85.1%———8.4%9.0%9.2%8.8%
ROE %18.8%15.4%16.9%19.6%18.6%17.5%18.0%17.2%
Debtor days01233434
Inventory days0———0000
Days payable0———————
Cash conversion cycle01233434
Debt / equity8.14——0.006.796.867.406.96
Current ratio————————
Net debt / EBITDA0.008.749.489.5910.419.729.349.62

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA————————
Gross NPA %————————
Net NPA————————
Net NPA %————————
CET1 %————————
Additional Tier 1 %————————
Capital adequacy %————————
NIM %————————
ROA %————————

Compare with peers

Loading peers…