Cholamandalam Investment and Finance Company Overview and Analysis

Cholamandalam Investment and Finance Company is a leading provider of financial services, founded in 1994 by the Murugappa Group.

It offers a range of products and services, including home loans, personal loans, and credit cards.

The company has a strong presence in India, with over 1,000 branches across the country.

Cholamandalam Investment and Finance Company has a diverse customer base, ranging from salaried individuals to small business owners.

Cholamandalam Investment and Finance Company has demonstrated a consistent growth in revenue over the past few years, with a significant increase from Rs. 2,770 crores in Jun 2022 to Rs. 7,267 crores in Jun 2025.

The company's interest expenses have also increased, but at a slower rate, from Rs. 1,130 crores in Jun 2022 to Rs. 3,468 crores in Jun 2025.

The company's net profit has shown a steady growth, from Rs. 562 crores in Jun 2022 to Rs. 1,138 crores in Jun 2025, with an EPS (Earnings Per Share) of Rs. 13.53.

Here is a summary of the company's financial performance:

The company's financial performance has been steadily improving over the past few years. Revenue has increased from Rs. 2,770 crores in Jun 2022 to Rs. 7,046 crores in Jun 2025, a growth of 154%.

The company's profit before tax has also shown a significant increase, from Rs. 759 crores in Jun 2022 to Rs. 1,699 crores in Jun 2025, a growth of 123%.

Interest expenses have risen from Rs. 1,130 crores in Jun 2022 to Rs. 3,468 crores in Jun 2025, a growth of 206%.

Expenses have fluctuated, ranging from Rs. 879 crores in Jun 2022 to Rs. 2,286 crores in Jun 2025.

The financing margin has varied between 21% and 30% over the past few years, with an average of 24%.

Depreciation has increased from Rs. 28 crores in Jun 2022 to Rs. 67 crores in Jun 2025, a growth of 139%.

The company's net profit has grown from Rs. 562 crores in Jun 2022 to Rs. 1,260 crores in Jun 2025, a growth of 124%.

Here's a breakdown of the company's revenue and profit before tax over the past few years:

Vicky.in, an online platform focused on the automobile industry, is a key competitor to Cholamandalam Investment & Finance Company. Cholamandalam Investment & Finance Company was founded in 2009 and is based in Chennai, India, similar to Vicky.in.

Vicky.in provides listings for new and used cars and bikes, including pricing, dealership, and service station details. This makes it a direct competitor to Cholamandalam Investment & Finance Company in terms of services offered.

Cholamandalam Investment & Finance Company serves consumers interested in purchasing vehicles, as well as those interested in selling or valuating their used automobiles. This is a similar target market to Vicky.in's focus on the automobile industry.

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Cholamandalam Investment and Finance Company is a leading non-banking financial company in India, founded in 1978.

The company is headquartered in Chennai, India, and has a large workforce of over 46,600 employees.

Cholamandalam Investment and Finance Company offers a wide range of financial products, including vehicle finance, loan against property, home loans, and other loans.

Its segments include Vehicle Finance, Loan against property, Home Loans, and Others Loans.

The company provides loans to customers against purchase of new/used vehicles, tractors, construction equipment, and loans to automobile dealers.

Cholamandalam Investment and Finance Company has a strong presence in the Indian financial market, with a revenue of ₹268.02 billion (TTM) and a net income of ₹44.53 billion.

You can visit their website at https://www.cholamandalam.com/ or contact them at +91 4 425307172 for more information.

Here are the company's business hours:

Cholamandalam Investment and Finance Company has seen a significant shift in its shareholding pattern over the years. As of Sep 2024, the promoters held 50.24% of the company's shares, a decrease from 51.50% in Sep 2022.

The number of shareholders has also fluctuated, with a peak of 1,83,933 in Jun 2025 and a low of 32,392 in Mar 2017. The company's shareholding pattern has been influenced by changes in the classifications of banks and foreign portfolio investors, which were introduced in the new XBRL format from Sep 2022.

Here is a breakdown of the company's shareholding pattern as of Sep 2024:

The shareholding pattern of a company reveals who owns its shares and in what proportion. The data shows that Promoters held a majority of 51.50% of the shares in Sep 2022.

As of Dec 2024, the number of shareholders increased to 1,76,231. The shareholding pattern is broken down into four categories: Promoters, FIIs, DIIs, and Public.

Promoters held a steady 51.47% of shares from Sep 2022 to Mar 2025. FIIs, on the other hand, saw a significant increase from 18.69% in Sep 2022 to 27.43% in Dec 2024.

DIIs held 21.92% of shares in Sep 2022 but decreased to 16.10% by Dec 2024. The number of shareholders fluctuated throughout the period, with a high of 1,83,933 in Jun 2025.

Here's a breakdown of the shareholding pattern for Promoters and FIIs:

The shareholding pattern is an important indicator of a company's ownership structure. It can also provide insights into the company's financial health and stability.

Announcements are an important part of a company's public disclosure, providing stakeholders with timely and relevant information about its operations and financials.

The company has recently made several announcements, including the allotment of Rs.550 crore secured NCS via private placement, which was listed on the NSE with a 5-year tenor and 7.58% coupon.

Here are some key details from the company's announcements:

Related Party Transactions are a crucial aspect of a company's financial dealings. All Related Party Transactions submitted by the Company for quarter ended March 2025 and thereafter will be available under Integrated Filing - Financials.

To access these transactions, simply click on the provided link. This will take you directly to the relevant information.

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India's central bank is preparing a policy that will allow lenders to remotely lock smartphones purchased on credit if borrowers fail to repay their loans.

Lenders in India will be provided special powers to recover small loans, which is a significant move in the rapidly growing consumer durable financing market. Over one-third of electronics, including phones, are bought on credit.

The RBI had previously halted phone-locking practices by lenders due to privacy and misuse concerns, but is now set to update its Fair Practices Code to include strict guidelines. Lenders will need prior consent from borrowers before activating locking features.

The new rule could significantly benefit major non-bank lenders such as Bajaj Finance, DMI Finance, and Cholamandalam Finance, which dominate the small-ticket consumer finance market. Loans under ₹1 lakh are considered the most vulnerable to default, with high delinquency rates.

India's mobile market is massive — with over 1.16 billion connections — and small-ticket personal loans now account for nearly one-third of all non-food credit.

Cholamandalam Investment and Finance Company offers a range of alerts and notifications to keep customers informed about their accounts.

You can opt for SMS and email alerts to receive updates on your account balances, loan repayments, and other important transactions.

These alerts are customizable, allowing you to choose the type of information you want to receive and how often you want to receive it.

With Cholamandalam's mobile app, you can also receive push notifications about your account activity and other important updates.

By staying on top of your account activity, you can make informed decisions about your finances and avoid any potential issues.

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