Q2 and H1 FY26 profit rises 20% as bad loans increase

Revenue Growth 20pctResults View source PDF Explain this filing

CHOLAFIN · price

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Price reactionminutes from the announcement price · days from the prior close

+1.5%Reaction day

₹1675.00

prior close

₹1665.50

announcement price

After-mkt

timing

Nifty 100market · index membership as recorded later (tracked since Jun 2026)-0.0%+1.5% vs market

Non Banking Financial Company (NBFC) peers, median of 205sector+0.3%+1.2% vs sector

On the reaction day the stock moved 1.5 pts more than Nifty 100 and 1.2 pts more than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

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10m

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15m

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30m

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Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+1.5-0.0+1.5+0.3+1.2

Next day

+4.8+0.3+4.5+0.0+4.8

+3.9+0.7+3.2-0.2+4.1

+2.4+1.3+1.1-0.1+2.6

+2.3+1.3+0.9+0.3+1.9

+2.2+1.4+0.8+0.1+2.1

+1.6+1.4+0.3-1.0+2.6

15d

+3.6+2.2+1.4-1.9+5.6

+2.7+1.0+1.7-4.6+7.3

+6.6+2.4+4.2-3.7+10.2

+5.7+1.3+4.4-10.0+15.7

UpDownMarket · Nifty 100Sector · Non Banking Financial Company (NBFC) peers, median of 205Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Audited Q2 and H1 FY26 results showed assets under management up 21% year on year to Rs 214,906 crore. Q2 profit after tax was Rs 1,155 crore and H1 profit was Rs 2,291 crore, both up 20%. Total income rose 21% in Q2 and 23% in H1, but H1 loan losses increased 48%. The gross bad-loan ratio rose to 4.57% from 4.29% in June, while capital adequacy remained strong at 20.00%.

Likely market impact

Strong income, profit and capital levels may support the stock, but higher loan losses and worsening bad loans may offset some gains.