Cholamandalam Financial Holdings Limited has informed the Exchange about Investor Presentation
CHOLAHLDNG · price
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Cholamandalam Financial Holdings (CFHL) released its Q4 FY26 investor presentation. The company is a core investment holding with 49.5% stake in CIFCL (NBFC) and 44.3% in Chola MS General Insurance. Consolidated Q4 revenue grew 17% YoY to Rs 10,520 Cr with PAT up 19% to Rs 1,626 Cr. For full year FY26, revenue stood at Rs 39,576 Cr (+18%) and PAT at Rs 5,485 Cr (+16%). The NBFC arm (CIFCL) achieved disbursements of Rs 1,11,642 Cr (+15% YoY) with AUM of Rs 2,42,630 Cr. Vehicle Finance grew strongly with 26% disbursement growth in Q4, while LAP grew 26% YoY. Insurance arm (CMSGICL) reported GWP of Rs 8,904 Cr but PAT declined 24% to Rs 331 Cr due to Rs 598 Cr crop insurance loss and higher motor claims. Capital adequacy remains strong at 19.21% for CIFCL.
The presentation indicates healthy growth momentum across lending businesses with strong disbursement and AUM growth. Vehicle finance and LAP segments show robust performance with improving profitability. Insurance arm faces near-term margin pressure from motor third-party claims inflation, but capital position remains robust with no capital infusion required in 13 years.