Nifty
:
23882.05
Sensex
:
76503.60
-516.65 (-2.12%)
-1677.12 (-2.15%)
Nifty
Sensex
:
:
23882.05
76503.60
-516.65 (-2.12%)
-1677.12 (-2.15%)

Cholamandalam Investment and Finance Company Ltd.

Finance - NBFC

Rating :
69/99

BSE: 511243 | NSE: CHOLAFIN

NSE BSE
1769.40
08-Jul-2026
  • Open
  • High
  • Low
  • Previous Close
  •  1839.5
  •  1851.3
  •  1763.3
  •  1853.40
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1760890
  •  3184818098.7
  •  1875
  •  1299.4

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,50,877.99
  • 28.83
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 3,50,200.43
  • 0.11%
  • 5.01

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 49.25%
  • 0.58%
  • 4.58%
  • FII
  • DII
  • Others
  • 24.87%
  • 16.45%
  • 4.27%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 20.81
  • 25.10
  • 17.53

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 21.03
  • 24.03
  • 9.02

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 21.94
  • 19.35
  • 15.31

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 27.58
  • 30.17
  • 30.73

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 4.57
  • 5.22
  • 5.44

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 14.12
  • 15.26
  • 14.79

Earnings Forecasts:

(Updated: 04-07-2026)
Description
2026
2027
2028
2029
Adj EPS
67
0
25.58
60.07
P/E Ratio
26.41
-
69.17
29.46
Revenue
23.35
18.88
15.45
16866.4
EBITDA
20519.4
24695.5
29715.6
7974.53
Net Income
9817.7
12209.9
13068.1
5088.45
ROA
6561.42
8115.04
9950.29
2.3
P/B Ratio
0.01
0.01
0.01
5.12
ROE
4.19
3.45
2.85
19.23
FCFF
19.56
19.91
20.09
-
FCFF Yield
-
-
-
-
Net Debt
-
-
-
195008
BVPS
233741
279758
334235
345.48

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Net Sales
8,416.71
7,045.57
19.46%
7,898.21
6,732.98
17.31%
7,491.38
6,255.12
19.76%
7,266.80
5,812.31
25.02%
Expenses
2,596.90
2,009.98
29.20%
2,554.02
2,037.94
25.32%
2,460.43
1,896.93
29.71%
2,286.32
1,726.90
32.39%
EBITDA
5,819.81
5,035.59
15.57%
5,344.19
4,695.04
13.83%
5,030.95
4,358.19
15.44%
4,980.48
4,085.41
21.91%
EBIDTM
69.15%
71.47%
67.66%
69.73%
67.16%
69.67%
68.54%
70.29%
Other Income
146.83
91.30
60.82%
110.47
103.62
6.61%
122.04
67.22
81.55%
86.29
44.44
94.17%
Interest
3,753.02
3,364.67
11.54%
3,645.74
3,274.93
11.32%
3,517.31
3,058.57
15.00%
3,468.06
2,796.36
24.02%
Depreciation
71.64
64.09
11.78%
73.78
59.15
24.73%
71.03
62.63
13.41%
67.44
58.96
14.38%
PBT
2,141.98
1,698.13
26.14%
1,735.14
1,464.58
18.47%
1,564.65
1,304.21
19.97%
1,531.27
1,274.53
20.14%
Tax
497.92
439.02
13.42%
445.77
377.44
18.10%
406.30
337.08
20.54%
394.17
327.91
20.21%
PAT
1,644.06
1,259.11
30.57%
1,289.37
1,087.14
18.60%
1,158.35
967.13
19.77%
1,137.10
946.62
20.12%
PATM
19.53%
17.87%
16.32%
16.15%
15.46%
15.46%
15.65%
16.29%
EPS
19.30
14.97
28.92%
15.28
12.94
18.08%
13.78
11.51
19.72%
13.52
11.27
19.96%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
-
31,073.10
25,845.98
19,139.62
12,884.10
10,140.75
9,579.40
8,712.01
7,087.62
5,558.68
4,693.48
Net Sales Growth
-
20.22%
35.04%
48.55%
27.05%
5.86%
9.96%
22.92%
27.51%
18.43%
 
Cost Of Goods Sold
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
-
31,073.10
25,845.98
19,139.62
12,884.10
10,140.75
9,579.40
8,712.01
7,087.62
5,558.68
4,693.48
GP Margin
-
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
-
9,898.02
7,672.83
5,387.90
3,622.01
2,926.72
2,914.37
2,422.89
1,634.66
1,453.29
1,553.45
Power & Fuel Cost
-
31.69
27.47
21.28
14.69
11.07
10.11
14.44
12.16
11.31
9.29
% Of Sales
-
0.10%
0.11%
0.11%
0.11%
0.11%
0.11%
0.17%
0.17%
0.20%
0.20%
Employee Cost
-
4,195.08
3,327.75
2,478.60
1,360.37
957.20
791.01
700.32
604.68
550.81
414.09
% Of Sales
-
13.50%
12.88%
12.95%
10.56%
9.44%
8.26%
8.04%
8.53%
9.91%
8.82%
Manufacturing Exp.
-
1,394.30
1,259.74
1,068.27
1,030.18
814.78
584.66
615.22
507.52
376.13
392.99
% Of Sales
-
4.49%
4.87%
5.58%
8.00%
8.03%
6.10%
7.06%
7.16%
6.77%
8.37%
General & Admin Exp.
-
614.53
500.17
406.83
329.10
234.36
125.11
165.07
183.47
197.75
181.70
% Of Sales
-
1.98%
1.94%
2.13%
2.55%
2.31%
1.31%
1.89%
2.59%
3.56%
3.87%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
3,694.11
2,585.17
1,434.20
902.36
920.38
1,413.59
942.28
338.99
328.60
0.00
% Of Sales
-
11.89%
10.00%
7.49%
7.00%
9.08%
14.76%
10.82%
4.78%
5.91%
12.03%
EBITDA
-
21,175.08
18,173.15
13,751.72
9,262.09
7,214.03
6,665.03
6,289.12
5,452.96
4,105.39
3,140.03
EBITDA Margin
-
68.15%
70.31%
71.85%
71.89%
71.14%
69.58%
72.19%
76.94%
73.86%
66.90%
Other Income
-
465.98
307.66
282.40
221.62
91.86
60.71
2.05
23.70
2.96
234.35
Interest
-
14,384.13
12,494.53
9,230.75
5,748.03
4,297.66
4,575.54
4,591.70
3,588.14
2,656.68
2,227.92
Depreciation
-
283.89
244.83
198.06
121.09
100.63
102.30
111.25
56.99
50.86
39.02
PBT
-
6,973.04
5,741.45
4,605.31
3,614.59
2,907.60
2,047.90
1,588.22
1,831.53
1,400.81
1,107.43
Tax
-
1,744.16
1,481.45
1,194.57
937.92
748.71
526.51
534.08
634.59
483.12
389.51
Tax Rate
-
25.01%
25.80%
25.94%
25.95%
25.75%
25.71%
33.63%
34.65%
34.49%
35.17%
PAT
-
5,228.88
4,260.00
3,410.74
2,676.67
2,158.89
1,521.39
1,054.14
1,198.41
919.30
719.42
PAT before Minority Interest
-
5,228.88
4,260.00
3,410.74
2,676.67
2,158.89
1,521.39
1,054.14
1,196.94
917.69
717.92
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.47
1.61
1.50
PAT Margin
-
16.83%
16.48%
17.82%
20.77%
21.29%
15.88%
12.10%
16.91%
16.54%
15.33%
PAT Growth
-
22.74%
24.90%
27.42%
23.98%
41.90%
44.33%
-12.04%
30.36%
27.78%
 
EPS
-
61.37
50.00
40.03
31.42
25.34
17.86
12.37
14.07
10.79
8.44

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
30,458.40
23,668.69
19,593.24
14,346.10
11,769.00
9,599.80
8,199.86
6,208.71
5,125.46
4,297.91
Share Capital
170.48
168.25
168.06
164.48
164.28
164.07
163.98
156.42
156.40
156.34
Total Reserves
29,972.29
23,285.23
19,284.81
14,098.24
11,549.80
9,401.29
8,005.61
6,033.68
4,958.60
4,141.39
Non-Current Liabilities
1,33,259.67
1,17,888.54
87,018.21
90,028.11
64,584.76
58,497.86
51,449.28
45,255.65
34,709.66
15,571.59
Secured Loans
1,19,687.70
1,05,181.12
80,050.89
85,921.16
61,379.73
54,868.18
47,561.68
41,298.75
30,858.81
12,345.87
Unsecured Loans
13,807.46
12,658.07
6,908.28
4,713.90
3,872.88
4,390.06
4,405.52
4,408.68
4,210.03
2,758.70
Long Term Provisions
281.40
235.55
193.97
0.00
0.00
0.00
0.00
0.00
0.00
586.21
Current Liabilities
80,569.93
59,380.93
49,419.11
8,641.20
5,450.01
5,777.53
3,881.77
5,565.64
3,965.51
10,411.35
Trade Payables
212.05
235.91
295.69
171.61
127.59
98.59
220.47
231.45
214.03
298.69
Other Current Liabilities
2,783.43
1,948.21
1,607.71
1,604.93
1,281.85
1,054.49
531.56
400.22
426.02
6,795.21
Short Term Borrowings
77,574.45
57,196.81
47,515.71
6,722.44
3,920.89
4,471.75
3,038.23
4,859.31
3,261.50
3,230.46
Short Term Provisions
0.00
0.00
0.00
142.22
119.68
152.70
91.51
74.66
63.96
87.00
Total Liabilities
2,44,288.00
2,00,938.16
1,56,030.56
1,13,015.41
81,803.77
73,875.19
63,530.91
57,030.00
43,800.97
30,282.85
Net Block
1,868.51
1,779.72
1,563.22
402.55
258.47
227.46
283.03
167.17
170.45
149.73
Gross Block
2,666.05
2,381.91
2,209.15
897.15
654.47
534.29
490.39
272.09
216.13
314.32
Accumulated Depreciation
797.54
602.19
645.93
494.60
396.00
306.83
207.36
104.92
45.68
164.58
Non Current Assets
2,28,843.12
1,90,011.31
1,51,548.27
1,09,188.39
76,821.05
67,899.31
55,936.54
53,023.76
42,639.72
20,873.41
Capital Work in Progress
42.01
10.91
12.67
60.50
37.35
9.91
10.60
13.97
3.80
0.00
Non Current Investment
4,009.14
3,001.44
2,586.57
3,561.87
2,055.05
1,583.49
32.70
41.50
22.72
134.36
Long Term Loans & Adv.
29.73
218.08
359.04
353.69
292.07
211.76
210.10
186.23
198.28
123.43
Other Non Current Assets
5,149.88
2,963.39
2,563.99
0.00
33.27
27.22
4.24
3.98
0.46
530.45
Current Assets
15,444.88
10,926.85
4,445.20
3,804.45
4,982.72
5,975.88
7,594.37
4,006.24
1,161.25
9,409.44
Current Investments
2,636.67
3,365.97
1,449.18
0.00
0.00
0.00
0.00
0.00
0.00
47.75
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
327.05
204.83
213.46
99.13
71.31
56.60
30.19
41.28
68.84
21.84
Cash & Bank
11,747.17
7,123.53
2,242.81
3,007.10
4,301.84
5,279.77
7,000.74
3,708.46
951.85
493.76
Other Current Assets
733.99
232.52
539.75
467.48
609.57
639.51
563.44
256.50
140.56
8,846.09
Short Term Loans & Adv.
0.00
0.00
0.00
230.74
301.23
25.37
41.17
26.16
26.02
8,518.56
Net Current Assets
-65,125.05
-48,454.08
-44,973.91
-4,836.75
-467.29
198.35
3,712.60
-1,559.40
-2,804.26
-1,001.91
Total Assets
2,44,288.00
2,00,938.16
1,55,993.47
1,12,992.84
81,803.77
73,875.19
63,530.91
57,030.00
43,800.97
30,282.85

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-30,020.80
-32,413.15
-35,682.85
-27,105.05
-5,571.33
-8,848.25
-2,074.77
-9,317.34
-7,926.34
-1,467.64
PBT
6,973.04
5,741.45
4,605.31
3,614.59
2,907.60
2,047.90
1,588.22
1,831.53
1,400.81
1,107.43
Adjustment
16,867.22
14,252.61
10,181.95
6,401.92
5,032.43
5,643.49
5,353.67
3,800.45
2,964.20
2,520.67
Changes in Working Capital
-38,666.69
-39,549.69
-40,861.25
-31,201.46
-8,807.79
-11,650.98
-3,942.68
-10,604.89
-9,178.09
-2,728.43
Cash after chg. in Working capital
-14,826.43
-19,555.63
-26,073.99
-21,184.95
-867.76
-3,959.59
2,999.21
-4,972.91
-4,813.08
899.68
Interest Paid
-14,227.95
-11,976.87
-8,744.80
-5,279.92
-4,117.50
-4,544.93
-4,714.58
-3,687.72
-2,571.47
-1,954.92
Tax Paid
-1,780.76
-1,541.39
-1,308.10
-902.68
-847.09
-699.29
-576.37
-731.90
-591.87
-479.76
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
814.34
660.74
444.04
262.50
261.02
355.56
216.97
75.19
50.08
67.36
Cash From Investing Activity
-2,554.01
-2,948.12
-2,854.59
-2,148.41
1,639.54
-1,746.16
-54.05
-10.86
-60.12
-221.86
Net Fixed Assets
-306.13
-176.94
-1,259.93
-264.31
-149.68
-41.26
-206.92
-69.88
87.33
-64.75
Net Investments
-247.66
-2,290.16
-480.21
-1,543.86
-457.34
-1,545.90
0.00
0.00
165.66
-172.01
Others
-2,000.22
-481.02
-1,114.45
-340.24
2,246.56
-159.00
152.87
59.02
-313.11
14.90
Cash from Financing Activity
35,610.01
39,795.28
38,471.23
27,466.47
5,150.27
8,706.62
2,451.81
12,190.59
8,008.65
1,691.80
Net Cash Inflow / Outflow
3,035.20
4,434.01
-66.21
-1,786.99
1,218.48
-1,887.79
322.99
2,862.39
22.19
2.29
Opening Cash & Equivalents
5,279.65
845.64
911.85
2,698.84
1,480.36
3,368.15
3,161.58
299.69
277.50
275.21
Closing Cash & Equivalent
8,314.85
5,279.65
845.64
911.85
2,698.84
1,480.36
3,484.57
3,161.58
299.69
277.51

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
353.77
278.91
231.59
173.50
142.67
116.65
99.68
79.18
65.44
55.00
ROA
2.35%
2.39%
2.54%
2.75%
2.77%
2.21%
1.75%
2.37%
2.48%
2.48%
ROE
19.51%
19.86%
20.23%
20.61%
20.29%
17.16%
14.68%
21.18%
19.50%
18.02%
ROCE
9.70%
10.34%
10.41%
9.72%
9.34%
9.70%
10.30%
10.81%
11.30%
12.22%
Fixed Asset Turnover
12.31
11.26
12.32
16.61
17.06
18.70
22.85
29.03
20.96
16.69
Receivable days
3.12
2.95
2.98
5.15
4.67
3.13
3.06
5.28
4.81
1.30
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
85.17
103.16
112.03
107.36
Cash Conversion Cycle
3.12
2.95
2.98
5.15
4.67
3.13
-82.11
-97.89
-107.22
-106.06
Total Debt/Equity
7.00
7.46
6.91
6.83
5.91
6.66
6.73
8.17
7.49
5.60
Interest Cover
1.48
1.46
1.50
1.63
1.68
1.45
1.35
1.51
1.53
1.50

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • Chola Invest & Fin. - Quarterly Results
    1st May 2026, 00:00 AM

    Read More

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