Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding outcome of Board meeting held on July 31, 2025.
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The Board of Directors of Cholamandalam Investment and Finance Company (CIFCL) approved unaudited standalone and consolidated financial results for Q1 FY26 (quarter ended June 30, 2025). Standalone total revenue from operations grew to Rs. 7,244.92 crores from Rs. 5,784.71 crores in Q1 FY25, a rise of about 25%. Profit after tax stood at Rs. 1,135.91 crores versus Rs. 942.23 crores, up roughly 21% year-on-year. Total AUM reached Rs. 2,07,663 crores, up 23% YoY, with Vehicle Finance disbursements at Rs. 13,647 crores (+7% YoY) and Loan Against Property disbursements at Rs. 4,705 crores (+21% YoY). The Board also approved raising up to Rs. 55,000 crores through secured/unsecured non-convertible debentures in one or more tranches. Joint statutory auditors B.K. Khare & Co and KKC & Associates LLP issued unmodified review reports, though they noted that Q1 FY25 results were previously reviewed by predecessor auditors, indicating an auditor change.
Strong Q1 performance with ~25% revenue growth, 21% PAT growth, and 23% AUM expansion signals healthy business momentum and should be viewed positively by shareholders. The large Rs. 55,000 crore NCD fundraising plan reflects ambitious growth ambitions but will also increase leverage. Investors should watch the slight uptick in gross NPA to 4.29% (from 3.62% YoY) as a quality monitorable.