Cholamandalam Investment

    CHOLAFIN
    NBFC
    ₹1845.90
    price as of 11/9/2026, 5:27:51 pm

    Market cap ₹1.58 L Cr

    P/E
    27.28
    Day range
    ₹1,795.10 – ₹1,850.20
    52-week range
    ₹1,299.40 – ₹1,952.50
    Volume
    15.05 L
    Open
    ₹1,834.10
    Prev close
    ₹1,859.00
    Promoters pledged 1.1% of their shares
    52-week range, adjusted for splits and bonuses
    ₹1,299.4₹1,952.5
    2 Apr 20266 Aug 2026
    Index membership & F&O
    NIFTY NEXT 50NIFTY 100NIFTY 200NIFTY 500NIFTY FINANCIAL SERVICESF&O lot 625

    Price history

    6M change +18.52%RSI (14) 49.9 NeutralSMA 20 · 50 overlaid

    Price & delivery on the exchange

    NSE bhavcopy to 11 Sept 2026 · delivery 53.1% today vs 57.3% average · BSE close ₹1,845

    1 Apr23 Apr15 May5 Jun24 Jun15 Jul3 Aug21 Aug11 Sept₹1,350₹1,500₹1,650₹1,800₹1,9500%25%50%75%100%
    • Delivery
    • NSE close
    • BSE close

    High delivery with a rising price suggests buyers holding rather than trading the move.

    Futures & options

    NSE F&O close, 11 Sept 2026 · options expiring 29 Sept 2026

    Long unwinding
    Near-month future
    ₹1,846.8
    Change
    -0.82%
    Basis over spot
    +₹0.91
    Futures OI (shares)
    1.33 Cr
    OI change
    -1.88%
    Put-call ratio
    0.96
    Max pain
    ₹1,840
    Resistance (call OI)
    ₹1,900
    Support (put OI)
    ₹1,800
    Lot size
    625

    Open interest by strike

    Calls open above (resistance) and puts below (support), in shares

    15201600166017001740178018201860190019401980202020802120220002.5 L5.0 L7.5 L10.0 Lspot
    • Call OI
    • Put OI

    Futures open interest and price

    Near-month future, day by day since collection began

    The daily history builds from each close.

    Key metrics

    P/E (TTM)
    27.5
    EPS (TTM)
    ₹67.59
    ROE (FY26)
    19.3%
    Dividend yield
    0.11%

    Moving averages (NSE)

    Simple moving averages of the NSE price, and where the last price sits against each
    5-day10-day20-day50-day100-day300-day
    ₹1,830.46Price above₹1,848.91Price below₹1,868.41Price below₹1,832.77Price above₹1,710.48Price above₹1,679.42Price above

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +34.2%
    Profit 3Y CAGR
    +25.2%
    Revenue YoY (Jun 2026)
    +21.9%
    Profit YoY (Jun 2026)
    +45.5%
    Net margin
    18.7%

    Revenue, profit & margin - quarterly

    Bars in ₹ crore (a loss shows red); line is operating margin

    Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Jun 20260 Cr2.5K Cr5.0K Cr7.5K Cr10.0K Cr
    • Revenue
    • Net profit
    • Operating margin

    Who owns the company

    Shareholding as of Jun 2026

    • Promoter
    • FII
    • DII
    • Public

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-40.0KCr-20.0KCr0 Cr20.0K Cr40.0K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY260%6%12%18%24%15%

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); line is debt-to-equity

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 20260 Cr55.0K Cr1.1L Cr1.6L Cr2.2L Cr0.0x3.0x6.0x9.0x12.0x
    • Equity
    • Debt
    • Debt / equity

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue4,6235,0075,4105,8126,2556,7337,0467,2677,4917,8988,4178,856
    Interest2,2042,4412,5792,7963,0593,2753,3653,4683,5173,6463,7534,007
    Expenses1,3911,4121,4171,7271,8972,0382,0102,2862,4602,5542,5972,652
    Financing Profit1,0281,1551,4141,2891,3001,4201,6711,5121,5141,6982,0672,197
    Financing Margin %22%23%26%22%21%21%24%21%20%22%25%25%
    Other Income734710545681059287123111148102
    Depreciation394675596359646771747275
    Profit before tax1,0621,1561,4441,2751,3051,4661,6991,5321,5661,7362,1432,224
    Tax %27%25%26%26%26%26%26%26%26%26%23%26%
    Net Profit7738721,0659479681,0881,2601,1381,1601,2901,6451,656
    EPS in Rs₹9.40₹10.39₹12.68₹11.27₹11.52₹12.94₹14.98₹13.53₹13.78₹15.28₹19.31₹19.43

    From company filings, updated 11 Sept 2026. Consolidated figures where the company reports them.Information only, not investment advice.

    Strengths, risks & growth

    Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property. [1]

    Strengths

    • Company has delivered good profit growth of 28.0% CAGR over last 5 years
    • Company's median sales growth is 21.4% of last 10 years

    Risks

    • Stock is trading at 5.16 times its book value
    • Company has low interest coverage ratio.
    • Company might be capitalizing the interest cost

    Compounded Sales Growth

    10 Years
    +22%
    5 Years
    +27%
    3 Years
    +34%
    TTM
    +20%

    Compounded Profit Growth

    10 Years
    +25%
    5 Years
    +28%
    3 Years
    +25%
    TTM
    +29%

    Stock Price CAGR

    10 Years
    +24%
    5 Years
    +27%
    3 Years
    +17%
    1 Year
    +23%

    Return on Equity

    10 Years
    +19%
    5 Years
    +20%
    3 Years
    +20%
    Last Year
    +19%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderSept 2025Dec 2025Mar 2026Jun 2026Change
    Promoter49.88%49.72%49.25%49.23%-0.02 pp
    FII26.85%26.56%24.87%24.46%-0.41 pp
    DII17.27%17.54%19.91%20.62%+0.71 pp
    Public6.00%6.16%5.95%5.70%-0.25 pp

    Filed with NSE for Jun 2026: promoters 49.22%, public 50.78% · XBRL filing

    Analysts & fund holdings

    84%
    84% recommend buy
    32 analysts cover the stock
    Valuation vs Consumer Finance
    P/E27.3 vs 16.6
    Sector P/B2.14
    Beta1.40

    Who holds the shares, quarter by quarter

    Mutual funds 15.14% (+0.16 pp)
    Mar 25
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    • Promoters49.2%
    • Foreign institutions24.4%
    • Mutual funds15.1%
    • Insurance1.7%
    • Other domestic institutions3.8%
    • Retail3.7%
    • Others2.0%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    Kotak Mid Cap Fund0.79%1.80%+0.09 pp
    SBI Large Cap Fund0.77%2.22%+0.08 pp
    HDFC Large Cap Fund0.61%2.44%+0.03 pp
    Kotak Arbitrage Fund0.55%1.17%+0.20 pp
    Axis ELSS-Tax Saver Fund0.49%2.39%-0.08 pp

    Scorecard

    Performance
    Avg
    Valuation
    High
    Growth
    Avg
    Profitability
    Avg
    Entry point
    Good
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Corporate actions

    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      21 Jul 2026
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      5 Feb 2026
      ex-date
    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      24 Jul 2025
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      7 Feb 2025
      ex-date
    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      19 Jul 2024
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      7 Feb 2024
      ex-date
    • dividend
      Not available — not reported in this filing

      Annual General Meeting/Dividend - Re 0.70 Per Share

      25 Jul 2023
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      10 Feb 2023
      ex-date
    • dividend
      ₹0.70

      Dividend - Rs 0.70 Per Share

      21 Jul 2022
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      10 Feb 2022
      ex-date
    • dividend
      ₹0.70

      Annual General Meeting/Dividend - Rs 0.70 Per Share

      22 Jul 2021
      ex-date
    • dividend
      ₹1.30

      Interimdividend - Rs 1.30 Per Share

      9 Feb 2021
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend-Re 0.70 Per Share

      4 Mar 2020
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend - Re 1 Pr Sh

      23 Dec 2019
      ex-date
    • dividend
      Not available — not reported in this filing

      Annual General Meeting/Dividend - Re 0.40 Per Share

      22 Jul 2019
      ex-date
    • split
      Not available — not reported in this filing

      Face Value Split (Sub-Division) - From Rs 10/- Per Share To Rs 2/- Per Share

      14 Jun 2019
      ex-date
    • dividend
      ₹4.50

      Interim Dividend - Rs 4.50 Per Share

      8 Feb 2019
      ex-date
    • dividend
      ₹2.00

      Annual General Meeting / Dividend- Rs 2 Per Share

      18 Jul 2018
      ex-date
    • dividend
      ₹4.50

      Interim Dividend Rs 4.50 Per Share

      9 Feb 2018
      ex-date
    • dividend
      ₹2.00

      Annual General Meeting/Dividend - Rs 2/- Per Share

      19 Jul 2017
      ex-date

    Company announcements

    Company UpdatePrice-sensitive
    Clarification sought from Cholamandalam Investment and Finance Company Ltd

    The Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on September 11, 2026, with reference to Movement in Volume. <BR><BR>The reply is awaited.

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment

    Company confirms allotment of 2000 unsecured listed rated redeemable perpetual ncds on 1st sep 2026

    Company Update
    Intimation Under Reg.31A(8) Of SEBI (LODR) Regulations

    Intimation under Reg. 31A(8) of SEBI (LODR) Regulations, 2015 regarding the NOC received from

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment

    Company confirms allotment of 35000 secured listed rated redeemable ncds on 21st August 2026

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Intimation on allotment of equity 43050 shares

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Uploaded Transcript of the Earnings Call

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Scrutinizer's Report

    Enclosed Scrutinizer's Report and voting Results of the AGM 2026

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Intimation on upload of Audio Recording in the Company's website.

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Outcome of 48th Annual General Meeting

    Company Update
    Announcement under Regulation 30 (LODR)-Investor Presentation

    Enclosed the Investor Presentation for the quarter ended 30 June, 2026

    Company Update
    Announcement under Regulation 30 (LODR)-Issue of Securities

    Approval for Issue of Debentures

    Result
    Outcome Of The Board Meeting

    Outcome of the Board Meeting

    Board Meeting
    Board Meeting Outcome for Outcome Of Board Meeting

    Outcome of the Board Meeting

    Filed with BSE (scrip 511243); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 1 Feb 2025 (unaudited). View the source filing. Figures are as filed and are not investment advice.