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About the company
Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (investment and credit company). It is engaged in the business of financing. Its segments include Vehicle Finance, Loan against property, Home Loans and Others Loans. The Vehicle Finance Loans segment provides loans to customers against purchase of new/used vehicles, tractors, construction equipment and loans to automobile dealers. Loan against property segment provides loans to customers against immovable property. The Home Loans segment includes loans given for acquisition/construction of residential property and loan against residential property. Other Loans segment consists of consumer and small enterprise loans, secured business and personal loans and SME loans. It offers gold loan, commercial vehicle loan, car loan, used car loan, construction equipment loan, two wheeler loan, new car loan, tractor loan three-wheeler loan, secured business loan, instant personal loan and others.
- Revenue in INR (TTM)291.57bn
- Net income in INR48.47bn
- Incorporated1978
- Employees46.68k
- LocationCholamandalam Investment and Finance Company LtdDare House, 2, NSC Bose Road, ParrysCHENNAI 600001IndiaIND
- Phone+91 4 425307172
- Fax+91 4 425346464
- Websitehttps://www.cholamandalam.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cholamandalam Financial Holdings Ltd | 374.87bn | 23.68bn | 326.09bn | 48.43k | 13.77 | -- | 5.88 | 0.8699 | 126.09 | 126.09 | 1,996.27 | -- | -- | -- | -- | 7,739,757.00 | -- | 2.39 | -- | 4.62 | -- | 95.90 | 13.91 | 14.58 | -- | 2.08 | -- | 0.9277 | 28.38 | 20.32 | 22.63 | 24.77 | 28.38 | 14.87 |
| Poonawalla Fincorp Ltd | 55.18bn | 3.49bn | 372.15bn | 3.59k | 104.24 | -- | 85.07 | 6.74 | 4.42 | 4.42 | 70.39 | -- | -- | -- | -- | 15,353,810.00 | -- | 1.82 | -- | 2.84 | 56.85 | 63.25 | 6.33 | 14.65 | -- | -- | -- | 18.17 | 32.95 | 9.68 | -105.96 | -- | -6.12 | -- |
| Housing And Urban Development Corp Ltd | 124.33bn | 27.81bn | 393.75bn | 619.00 | 14.16 | -- | 14.10 | 3.17 | 13.89 | 13.89 | 62.11 | -- | -- | -- | -- | 200,848,600.00 | -- | 2.27 | -- | 2.31 | 99.96 | 99.97 | 22.37 | 24.97 | -- | 1.36 | -- | 30.01 | 32.46 | 6.48 | 27.99 | 9.66 | 7.01 | 40.80 |
| Mahindra and Mahindra Financial Svcs Ltd | 203.50bn | 23.74bn | 513.45bn | 25.26k | 20.94 | -- | 18.76 | 2.52 | 17.65 | 17.65 | 152.15 | -- | -- | -- | -- | 8,056,043.00 | -- | 1.60 | -- | 2.51 | 50.08 | 53.78 | 11.68 | 11.66 | -- | -- | -- | 35.09 | 16.87 | 9.21 | 17.03 | 13.58 | 30.16 | -- |
| Sundaram Finance Ltd | 93.78bn | 20.58bn | 587.42bn | 5.13k | 28.55 | -- | 26.46 | 6.26 | 186.70 | 186.70 | 850.93 | -- | -- | -- | -- | 18,274,450.00 | -- | 2.39 | -- | 3.28 | 49.16 | 64.79 | 21.09 | 20.85 | -- | -- | -- | 20.69 | 16.77 | 12.90 | 30.88 | 19.37 | 2.72 | 21.91 |
| SBI Cards and Payment Services Ltd | 196.39bn | 20.92bn | 734.81bn | 4.10k | 35.16 | -- | 44.23 | 3.74 | 21.96 | 21.96 | 206.21 | -- | -- | -- | -- | 47,923,720.00 | -- | 4.36 | -- | 10.51 | 94.92 | 92.32 | 10.65 | 13.37 | -- | 1.67 | -- | 10.32 | 6.51 | 14.27 | -20.41 | 9.01 | -6.47 | 20.11 |
| Bajaj Housing Finance Ltd | 106.58bn | 24.78bn | 739.84bn | 1.98k | 29.92 | -- | 29.32 | 6.94 | 2.97 | 2.97 | 12.77 | -- | -- | -- | -- | 53,910,920.00 | -- | 2.11 | -- | 2.68 | 38.44 | 39.41 | 23.25 | 21.21 | -- | -- | -- | -- | 25.71 | 29.33 | 24.94 | 38.70 | 8.22 | -- |
| Muthoot Finance Ltd | 272.81bn | 87.19bn | 1.40tn | 29.22k | 16.11 | 3.94 | 15.96 | 5.15 | 217.15 | 217.15 | 679.48 | 887.33 | 0.1818 | -- | 2,425.63 | 9,336,104.00 | 5.77 | 5.14 | 5.83 | 6.21 | 63.51 | 64.15 | 31.72 | 30.19 | -- | -- | 0.7936 | 21.32 | 34.21 | 16.03 | 23.32 | 11.19 | 18.73 | 11.63 |
| Cholamandalam Investment and Fin Co Ltd | 291.57bn | 48.47bn | 1.46tn | 46.68k | 29.83 | -- | 28.52 | 5.01 | 57.49 | 57.49 | 345.86 | -- | -- | -- | -- | 6,246,459.00 | -- | 2.50 | -- | 3.63 | 52.00 | 53.22 | 16.61 | 18.12 | -- | -- | -- | 5.49 | 34.21 | 24.19 | 24.64 | 29.24 | 22.76 | -- |
| Tata Capital Ltd | 334.44bn | 42.61bn | 1.50tn | 28.81k | 35.50 | -- | 31.17 | 4.50 | 10.05 | 10.05 | 78.85 | -- | -- | -- | -- | 11,376,560.00 | -- | -- | -- | -- | -- | -- | 12.83 | -- | -- | 1.60 | -- | -- | 54.75 | -- | 16.33 | -- | -- | -- |
| Jio Financial Services Ltd | 22.19bn | 16.05bn | 1.67tn | 1.00k | 103.82 | -- | 102.21 | 75.16 | 2.53 | 2.53 | 3.49 | -- | -- | -- | -- | 22,191,600.00 | -- | 1.06 | -- | 1.07 | -- | -- | 72.32 | 80.77 | -- | -- | -- | -- | 10.20 | 42.37 | 0.5011 | 47.63 | -- | -- |
| Shriram Finance Ltd | 466.60bn | 91.47bn | 2.04tn | 79.87k | 22.35 | -- | 20.79 | 4.38 | 48.57 | 48.57 | 247.76 | -- | -- | -- | -- | 5,841,787.00 | -- | 2.98 | -- | 4.90 | 52.65 | 53.66 | 19.56 | 19.46 | -- | -- | -- | 16.97 | 20.39 | 20.29 | 31.36 | 30.02 | 34.52 | 59.00 |
| Bajaj Finserv Ltd | 1.41tn | 96.81bn | 3.28tn | 126.00 | 34.16 | 4.28 | 15.97 | 2.32 | 60.05 | 60.05 | 877.56 | 479.06 | 0.2162 | -- | -- | 11,228,210,000.00 | 2.94 | 3.04 | -- | -- | -- | -- | 13.60 | 13.36 | -- | 2.31 | 0.7429 | 1.57 | 24.01 | 19.95 | 8.89 | 21.37 | 16.21 | -27.52 |
Data as of Feb 18 2026. Currency figures normalised to Cholamandalam Investment and Finance Company Ltd's reporting currency: Indian Rupee INR
16.42%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Capital Research & Management Co. (World Investors)as of 05 Feb 2026 | 24.71m | 2.93% |
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 31 Dec 2025 | 17.82m | 2.11% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 16.36m | 1.94% |
| Axis Asset Management Co. Ltd.as of 31 Jan 2026 | 15.53m | 1.84% |
| SBI Funds Management Ltd.as of 31 Jan 2026 | 12.72m | 1.51% |
| Kotak Mahindra Asset Management Co. Ltd.as of 31 Jan 2026 | 11.62m | 1.38% |
| Invesco Asset Management (India) Pvt Ltd.as of 31 Jan 2026 | 10.56m | 1.25% |
| BlackRock Fund Advisorsas of 06 Feb 2026 | 10.36m | 1.23% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 31 Jan 2026 | 9.73m | 1.15% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Dec 2025 | 9.16m | 1.09% |
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Data from 31 Dec 2025 - 31 Jan 2026Source: FactSet Research Systems Inc.
