What the business is, and whether it's a good one at a fair price.
Operates as a holding company for two financial services businesses: lending through Chola Investment and Finance Company, and general insurance through Chola MS General Insurance. Financing contributed 78.6% of FY26 segment revenue at ₹31,073.15 crore with segment EBIT of ₹6,973.04 crore, while general insurance contributed 21.1% at ₹8,351.78 crore with segment EBIT of ₹341.56 crore. The general insurance business focuses on motor (cars, commercial vehicles, two-wheelers), crop, and other lines, with a motor market share of 5.25%. The motor portfolio composition has shifted toward cars (49%+) while the two-wheeler share was deliberately reduced from 19.6% to 10.6%. The group operates 1,909 offices across India with 53,503 permanent employees. Employee cost is the largest input at 12% of revenue, with other operating expenses at 23.8%. The insurance segment faced pressure in FY26 with a combined ratio of 115.2% (112.2% ex-1/n), driven by a claims ratio of 81.3% and a ₹590 crore loss on a crop insurance re-tender. Management has implemented a 7-8% motor own-damage pricing correction over the last 2-3 months to address rising loss ratios, and is seeking forbearance to transition to IFRS from April 2027. The medium-to-long-term ROE target of 15%+ is maintained.
Measured from the filed financials, judged against its Investment Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
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How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from CHOLAMANDALAM FIN HOL LTD's filed financials and exchange disclosures
CHOLAMANDALAM FIN HOL LTD is a Finance company listed on NSE and BSE, trading under the symbol CHOLAHLDNG.
Yes. Over the trailing twelve months CHOLAMANDALAM FIN HOL LTD reported a net profit of ₹6,015 Cr on revenue of ₹40,993 Cr.
Yes. The dividend yield is 0.41% at the current price. It paid out 2% of its profit as dividend in FY26.
Effectively yes. It holds ₹8,475 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, CHOLAMANDALAM FIN HOL LTD ranks 16 of 52 in Investment Company — cheaper than 71% of them, against an industry median of 23.7×. This is a position, not a valuation judgement.
On a typical session CHOLAMANDALAM FIN HOL LTD moves 1.28% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by CHOLAMANDALAM FIN HOL LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
