Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript
CHOLAFIN · price
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Cholamandalam Investment and Finance reported FY25 disbursements of INR1,00,869 crores (+14% YoY) and AUM of nearly INR2 lakh crore (+30% YoY), driven by strong vehicle finance and LAP growth. Net income rose 36% YoY to INR13,570 crores while PAT grew 24% to INR4,259 crores; ROE stood at 22.2%. Asset quality improved with GNPA at 3.97% and NNPA at 2.63%, well below the RBI PCA threshold. Management reiterated 20–25% AUM growth guidance, expects credit cost to fall from 1.4% to 1.3% and PBT ROA to improve to 3.4–3.5%. The company also announced the launch of a standalone gold loan business with 120 branches in South and East India, targeting INR2,000 crores in 1–1.5 years, and declared a final dividend of INR0.70/share (INR2.00 total for FY25).
Strong double-digit growth in AUM, profit, and improving asset quality, combined with reaffirmed growth guidance and a new gold loan foray, signal continued business momentum for shareholders. The transcript gives investors clarity on near-term margin and credit cost trajectory, likely to be viewed positively, though execution on gold loan and credit cost normalisation in newer segments remains a key monitorable.