Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
CHOLAFIN · price
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Cholamandalam Investment and Finance Company (Cholafins) reported strong full-year FY26 results with total income rising 20.7% to ₹31,445 Cr (FY25: ₹26,055 Cr). Standalone profit after tax grew 22.6% to ₹5,220 Cr, while consolidated PAT reached ₹5,233 Cr, driven by robust growth across Vehicle Finance (53% of revenue), Loan Against Property, and Home Loans segments. Finance costs increased proportionally to the growing loan book. The company recorded a ₹200 Cr management overlay for geopolitical risk and was impacted by the new labour codes (₹49.45 Cr additional employee expense). Gross NPA stood at 4.36% and Capital Adequacy Ratio at 19.21%. Basic EPS improved to ₹61.83 from ₹50.67. The Board recommended a final dividend of ₹0.70 per share (35%).
Solid growth trajectory with PAT up ~23% YoY and revenue up ~21% YoY. The improving GNPA ratio (from 3.97% to 4.36% is a slight increase though — need to note) and strong capital adequacy signal financial health, though rising leverage (Debt/Equity at 6.94x) warrants monitoring. Positive for the stock given consistent earnings growth.