Cholamandalam Investment and Finance Company Limited has informed the Exchange about Investor Presentation
CHOLAFIN · price
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Awaiting price reaction for this filing.
Cholamandalam (Chola) filed its Q1 FY26 investor presentation showing business AUM of Rs. 1,92,148 Cr, up 24% year-on-year, with PBT of Rs. 1,530 Cr (+21% YoY) and PAT of Rs. 1,136 Cr (+21% YoY). Net Interest Margin improved to 7.8% from 7.6% in Q1 FY25. Overall disbursements were largely flat at Rs. 24,325 Cr vs Rs. 24,332 Cr, as strong growth in MSME (+7%) and LAP (+21%) was offset by a sharp 26% decline in consumer ecosystem disbursements. Capital adequacy remained comfortable at 19.96% with Tier I at 14.31%. Asset quality weakened, with GNPA rising to 4.29% (from 3.62%) and NNPA to 2.86% (from 2.37%), and Stage 3 assets at 3.16% vs 2.62%. ROE stood at 18.8% while the company serves over 42.6 lakh customers across 1,703 branches.
Positive on profitability and AUM growth momentum, but the rising NPA trend and weak consumer disbursements are concerns. The margin improvement is a constructive signal, though shareholders should watch the asset quality trajectory closely.