Cholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Finance›Investment Company

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Key metrics

Price as of 2026-09-03

Stock price
₹1502.80
Market cap
28,220 Cr
Stock P/E
4.6
P/B
0.83
Dividend yield
0.4%

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Share price

NSE closing price from historical market data.

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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 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income2,258 Cr2,422 Cr2,614 Cr2,847 Cr2,995 Cr3,171 Cr3,349 Cr3,486 Cr3,684 Cr3,891 Cr4,167 Cr4,356 Cr
Other income73 Cr47 Cr74 Cr45 Cr90 Cr104 Cr96 Cr87 Cr128 Cr135 Cr153 Cr101 Cr
Net operating income2,331 Cr2,469 Cr2,688 Cr2,892 Cr3,085 Cr3,275 Cr3,445 Cr3,573 Cr3,812 Cr4,027 Cr4,320 Cr4,457 Cr
Employee cost771 Cr820 Cr904 Cr809 Cr928 Cr1,001 Cr1,052 Cr1,050 Cr1,198 Cr1,221 Cr1,217 Cr1,275 Cr
Other expenses1,724 Cr1,809 Cr1,841 Cr1,862 Cr1,986 Cr2,106 Cr2,074 Cr2,209 Cr2,264 Cr2,355 Cr2,472 Cr2,524 Cr
Provisions & contingencies————————————
Depreciation52 Cr55 Cr88 Cr70 Cr74 Cr72 Cr79 Cr79 Cr83 Cr87 Cr84 Cr87 Cr
Profit before tax1,213 Cr1,363 Cr1,574 Cr1,559 Cr1,513 Cr1,471 Cr1,862 Cr1,696 Cr1,632 Cr1,863 Cr2,142 Cr2,400 Cr
Tax %26.8%24.7%27.3%25.6%25.6%25.7%26.9%25.7%25.6%25.6%24.1%25.5%
Net profit888 Cr1,027 Cr1,144 Cr1,160 Cr1,125 Cr1,093 Cr1,362 Cr1,260 Cr1,214 Cr1,386 Cr1,626 Cr1,789 Cr
EPS (₹)₹22.41₹24.88₹27.32₹29.20₹27.99₹25.89₹32.68₹30.81₹29.28₹33.32₹36.59₹42.92

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—4,150 Cr5,279 Cr5,923 Cr7,143 Cr9,371 Cr12,361 Cr15,228 CrSign in for TTM
Other income21 Cr1 Cr5 Cr91 Cr230 Cr283 Cr335 Cr503 CrSign in for TTM
Net operating income21 Cr4,151 Cr5,283 Cr6,014 Cr7,373 Cr9,654 Cr12,696 Cr15,731 CrSign in for TTM
Employee cost723 Cr837 Cr936 Cr1,354 Cr1,844 Cr2,994 Cr3,790 Cr4,686 CrSign in for TTM
Other expenses4,424 Cr4,573 Cr4,383 Cr5,019 Cr5,913 Cr7,087 Cr8,028 Cr9,301 CrSign in for TTM
Provisions & contingencies————————Sign in for TTM
Depreciation78 Cr150 Cr145 Cr154 Cr176 Cr248 Cr296 Cr333 CrSign in for TTM
Profit before tax2,136 Cr1,807 Cr2,401 Cr3,041 Cr3,816 Cr5,212 Cr6,405 Cr7,333 CrSign in for TTM
Tax %33.8%35.5%26.5%26.4%26.4%26.1%26.0%25.2%Sign in for TTM
Net profit1,415 Cr1,165 Cr1,764 Cr2,239 Cr2,810 Cr3,851 Cr4,740 Cr5,485 CrSign in for TTM
EPS (₹)₹37.02₹29.35₹43.93₹54.50₹68.72₹94.39₹115.76₹130.01Sign in for TTM
Dividend payout %———4.5%3.6%2.7%2.2%2.2%Sign in for TTM
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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 capital19 Cr19 Cr19 Cr19 Cr19 Cr19 Cr19 Cr19 Cr
Reserves3,925 Cr4,572 Cr5,367 Cr—16,239 Cr22,124 Cr26,949 Cr33,861 Cr
Borrowings50,447 Cr55,117 Cr63,797 Cr69,229 Cr97,191 Cr1,34,014 Cr1,74,366 Cr2,10,400 Cr
Other liabilities9,625 Cr16,135 Cr19,432 Cr28,525 Cr17,584 Cr20,780 Cr23,300 Cr24,053 Cr
Total liabilities67,937 Cr75,843 Cr88,616 Cr97,772 Cr1,31,033 Cr1,76,918 Cr2,24,616 Cr2,68,333 Cr
Fixed assets (net)197 Cr———507 Cr1,670 Cr1,901 Cr2,046 Cr
CWIP0 Cr———36 Cr0 Cr4 Cr28 Cr
Investments7,582 Cr37 Cr11,678 Cr13,282 Cr17,588 Cr20,124 Cr24,300 Cr24,997 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 & bank3,282 Cr———1,055 Cr973 Cr5,386 Cr8,475 Cr
Other assets56,877 Cr20,396 Cr11,042 Cr10,274 Cr6,939 Cr9,474 Cr10,784 Cr14,716 Cr
Total assets67,937 Cr75,843 Cr88,616 Cr97,772 Cr1,31,033 Cr1,76,918 Cr2,24,616 Cr2,68,333 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———-5,738 Cr-29,329 Cr-35,726 Cr-34,201 Cr-30,033 Cr
Cash from investing———-135 Cr-257 Cr-2,625 Cr-1,038 Cr-2,528 Cr
Cash from financing———7,073 Cr27,840 Cr38,269 Cr39,652 Cr35,650 Cr
Net cash flow———1,199 Cr-1,746 Cr-82 Cr4,413 Cr3,089 Cr
Free cash flow (OCF − Capex)———-5,853 Cr-29,577 Cr-36,895 Cr-34,543 Cr-30,393 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 %145.1%10.7%10.1%—8.5%9.3%9.4%8.9%
ROE %17.7%11.3%15.3%18.1%7.9%8.0%8.1%7.2%
Debtor days00122323
Inventory days0———0000
Days payable0———————
Cash conversion cycle00122323
Debt / equity12.7912.0111.85—5.986.0613.9313.61
Current ratio————————
Net debt / EBITDA0.008.428.929.3110.079.238.969.37

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 %————————

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