CHOLAHLDNG · NSE
Cholamandalam Financial Holdings Limited
₹1,507.7
+0.57% (+₹8.5)
Prev. close
₹1,499.2
Volume
3,95,533
Delivery %
61.0%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Cholamandalam Financial Holdings Limited
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including motor, property and casualty, health, accident, fire and engineering, crop, marine, and travel insurance, as well as reinsurance. It serves first-time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Ms. Elanjezhia Krithika
Headquarters
Chennai
Employees
53,503
Website
cholafhl.comExchange
View on NSE ↗Key stats
Market cap
₹28,311.20 Cr
P/E ratio (TTM)
10.6
Dividend yield
0.09%
EPS (TTM)
₹142.12
Beta (1Y · daily vs NIFTY 50)
1.38
Beta (5Y · monthly vs NIFTY 50)
1.27
Shares float
9.94 Cr
EPS · quarter ended Jun 2026
₹42.92
Upcoming earnings
13 Nov 2026
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹13,900.15 Cr | ₹14,643.55 Cr | ₹18,145.87 Cr | ₹25,803.52 Cr | ₹33,125.33 Cr | ₹39,072.72 Cr | |
| EBITDA | ₹7,153.57 Cr | ₹7,525.59 Cr | ₹4,017.60 Cr | ₹5,474.21 Cr | ₹6,740.17 Cr | ₹7,710.92 Cr |
| ₹824.64 Cr | ₹1,023.07 Cr | ₹1,290.23 Cr | ₹1,772.52 Cr | ₹2,173.66 Cr | ₹2,441.29 Cr | |
| Diluted EPS | ₹43.93 | ₹54.49 | ₹68.72 | ₹94.39 | ₹115.76 | ₹130.01 |
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹88,616.00 Cr | ₹97,771.00 Cr | ₹1.31 L Cr | ₹1.77 L Cr | ₹2.25 L Cr | ₹2.68 L Cr | |
| — | — | ₹97,191.03 Cr | ₹1.34 L Cr | ₹1.74 L Cr | ₹2.10 L Cr | |
| Stockholders' equity | ₹5,386.00 Cr | ₹6,446.00 Cr | ₹7,661.00 Cr | ₹10,242.00 Cr | ₹12,515.00 Cr | ₹15,454.00 Cr |
Current assets, Non-current assets, CWIP, Others, Total debt, Long-term debt, Current (short-term) debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2023-03-31, 2024-03-31, 2025-03-31, 2026-03-31 — a real filed figure, not a gap: positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies). 2021-03-31, 2022-03-31 have no Inventory figure at all reaching this deck yet — not verified as zero, not verified as positive — so they are left blank rather than assumed to match the filed zero.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-9,719.00 Cr | ₹-5,738.00 Cr | ₹-29,329.00 Cr | ₹-35,726.00 Cr | ₹-34,201.00 Cr | ₹-30,033.00 Cr | |
| Investing cash flow | ₹-62.07 Cr | ₹-135.48 Cr | ₹295.18 Cr | ₹-2,624.99 Cr | ₹-1,037.72 Cr | ₹-2,528.40 Cr |
| ₹7,688.00 Cr | ₹7,073.00 Cr | ₹27,288.00 Cr | ₹38,269.00 Cr | ₹39,652.00 Cr | ₹35,650.00 Cr | |
| Capital expenditure | ₹-64.00 Cr | ₹-115.00 Cr | ₹-248.00 Cr | ₹-1,169.00 Cr | ₹-341.00 Cr | ₹-360.00 Cr |
| End cash position | ₹1,602.48 Cr | ₹2,801.42 Cr | ₹1,055.44 Cr | ₹973.22 Cr | ₹5,385.91 Cr | ₹8,475.01 Cr |
Debt issued, Debt repaid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21–Jun 22(4Q) | Sep 22–Dec 22(2Q) | Mar 23–Jun 23(2Q) | Sep 23–Mar 24(3Q) | Jun 24–Sep 24(2Q) | Dec 24–Mar 25(2Q) | Jun 25 | Sep 25 | Dec 25–Mar 26(2Q) | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 48.62% | 48.61% | 48.40% | 47.37% | 47.32% | 46.45% | 46.44% | 46.42% | 46.38% | 46.43% |
| Public | 51.38% | 51.39% | 51.60% | 52.63% | 52.68% | 53.55% | 53.56% | 53.58% | 53.62% | 53.57% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Cholamandalam Financial Holdings Limited | ₹28,399.46 Cr | ₹1,499.2 | 10.6 | 1.84 | 15.8% | 13.61 | +16.8% | -24.0% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 17
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
27 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.
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