What the business is, and whether it's a good one at a fair price.
Operates as a non-banking finance company lending to retail and small-business borrowers across eight business engines — Vehicle Finance, Loan Against Property, Home Loans, Gold Loan, SME, Small Business Personal Loans, Consumer & Small Enterprise Loans (CSEL) and Consumer Durable loans. Vehicle Finance is the largest engine, contributing 52.5% of segment revenue at Rs 16,511.03 crore for FY26, with an Auto AUM of Rs 1,19,558 crore growing 18% YoY. Loan Against Property brings in 19.0% (Rs 5,988.88 crore), Home Loans 10.3% (Rs 3,240.91 crore) and Others 15.1% covering Gold Loan, SME, CSEL and consumer durable lending. Assets under management stood at Rs 2,42,630 crore at FY26 end, up 21% YoY; Q4 FY26 disbursements were Rs 32,913 crore (+25% YoY) channelled through 1,761 offices and 2,452 touch points serving 43 lakh customers. Lending is funded by borrowings of Rs 2,10,867 crore at a capital adequacy ratio of 19.21%; employees consume 13.5% of revenue and other operating expenses another 7%. Reported ROE was 23% in Q4 FY26 with a pre-tax ROA of 4.1% before a Rs 200 crore management overlay, and branch expansion plans for FY27 cover ~480 Gold Loan branches plus ~100 each in LAP, Home Loans, CSEL and consumer durable branches.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
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 IN & FIN CO's filed financials and exchange disclosures
CHOLAMANDALAM IN & FIN CO is a Finance company listed on NSE and BSE, trading under the symbol CHOLAFIN.
Yes. Over the trailing twelve months CHOLAMANDALAM IN & FIN CO reported a net profit of ₹5,751 Cr on revenue of ₹32,663 Cr.
Yes. The dividend yield is 0.11% at the current price. It paid out 3% of its profit as dividend in FY26.
Effectively yes. It holds ₹8,315 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, CHOLAMANDALAM IN & FIN CO ranks 136 of 212 in Non Banking Financial Company (NBFC) — cheaper than 36% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session CHOLAMANDALAM IN & FIN CO moves 1.16% — 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 IN & FIN CO 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.
