| Quarterly Financials | Mar 2015 | Jun 2015 | Sept 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sept 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sept 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 |
Revenue  | 942 | 987 | 1,020 | 1,055 | 1,139 | 1,115 | 1,173 | 1,184 | 1,225 | 1,247 | 1,313 | 1,404 | 1,537 | 1,643 | 1,703 | 1,861 | 1,903 | 2,045 | 2,213 | 2,289 | 2,166 | 2,126 | 2,458 | 2,521 | 2,536 | 2,482 | 2,497 | 2,575 | 2,657 | 2,796 | 3,067 | 3,408 | 3,835 | 4,171 | 4,695 | 5,055 | 5,515 | 5,857 | 6,323 | 6,838 |
| Expenses | 245 | 319 | 323 | 321 | 305 | 305 | 334 | 357 | 327 | 378 | 397 | 421 | 467 | 401 | 378 | 417 | 436 | 450 | 485 | 542 | 945 | 387 | 662 | 802 | 1,063 | 910 | 574 | 795 | 630 | 879 | 940 | 912 | 902 | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 |
| EBITDA | 697 | 668 | 697 | 734 | 834 | 811 | 838 | 828 | 898 | 869 | 916 | 984 | 1,071 | 1,242 | 1,324 | 1,444 | 1,466 | 1,596 | 1,728 | 1,747 | 1,221 | 1,738 | 1,796 | 1,718 | 1,472 | 1,572 | 1,923 | 1,780 | 2,026 | 1,917 | 2,127 | 2,496 | 2,932 | 2,997 | 3,304 | 3,643 | 4,099 | 4,130 | 4,426 | 4,800 |
| Operating Profit % | 74 % | 68 % | 68 % | 70 % | 73 % | 73 % | 71 % | 70 % | 73 % | 70 % | 70 % | 70 % | 70 % | 76 % | 78 % | 77 % | 77 % | 78 % | 78 % | 76 % | 56 % | 82 % | 73 % | 68 % | 57 % | 63 % | 77 % | 69 % | 76 % | 68 % | 69 % | 73 % | 76 % | 71 % | 70 % | 72 % | 74 % | 70 % | 70 % | 70 % |
| Depreciation | 9 | 5 | 5 | 5 | 6 | 8 | 9 | 11 | 12 | 10 | 12 | 14 | 15 | 13 | 13 | 15 | 16 | 24 | 27 | 32 | 28 | 26 | 26 | 25 | 26 | 25 | 24 | 24 | 28 | 28 | 28 | 30 | 36 | 39 | 39 | 46 | 75 | 59 | 63 | 59 |
| Interest | 485 | 495 | 510 | 510 | 532 | 547 | 569 | 565 | 547 | 540 | 556 | 590 | 619 | 795 | 857 | 950 | 986 | 1,087 | 1,178 | 1,192 | 1,136 | 1,131 | 1,185 | 1,140 | 1,120 | 1,104 | 1,078 | 1,046 | 1,071 | 1,130 | 1,340 | 1,543 | 1,734 | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 |
| Profit Before Tax | 205 | 172 | 185 | 224 | 299 | 256 | 261 | 252 | 339 | 319 | 348 | 380 | 436 | 434 | 455 | 478 | 465 | 485 | 523 | 523 | 57 | 582 | 586 | 553 | 327 | 443 | 822 | 710 | 928 | 759 | 759 | 923 | 1,163 | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 |
| Tax | 68 | 61 | 63 | 76 | 105 | 89 | 93 | 89 | 119 | 112 | 120 | 130 | 147 | 153 | 156 | 159 | 167 | 170 | 216 | 134 | 15 | 151 | 151 | 143 | 82 | 115 | 211 | 182 | 241 | 197 | 196 | 238 | 307 | 242 | 289 | 284 | 379 | 328 | 337 | 377 |
| Net Profit | 137 | 111 | 122 | 148 | 194 | 167 | 167 | 163 | 221 | 207 | 228 | 250 | 289 | 281 | 299 | 319 | 298 | 315 | 307 | 389 | 43 | 431 | 435 | 410 | 245 | 329 | 611 | 528 | 687 | 562 | 563 | 685 | 855 | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 |
| EPS in ₹ | 9.40 | 7.63 | 8.17 | 9.48 | 12.41 | 10.71 | 10.73 | 10.46 | 14.15 | 13.27 | 14.60 | 16.01 | 18.53 | 3.59 | 19.15 | 4.08 | 3.81 | 4.03 | 3.93 | 4.98 | 0.53 | 5.26 | 5.30 | 5.00 | 2.99 | 4.01 | 7.44 | 6.43 | 8.36 | 6.84 | 6.85 | 8.34 | 10.40 | 8.64 | 9.40 | 10.40 | 12.68 | 11.27 | 11.52 | 12.95 |
Cholamandalam Investment
1,475.70
+45.10
(3.15%)
Market Cap
1,24,094.09 Cr
EPS
41.17
PE Ratio
29.58
Dividend Yield
0.14 %
Industry
Financial Services52 Week High
1,652.00
52 Week Low
1,100.50
PB Ratio
5.62
Debt to Equity
6.83
Sector
NBFC
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from34 analysts
Peer Comparison Compare Peers on Screener
| Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
8,921.10 | #1 5,52,999.94 | 33.85 | #1 54,982.50 | 32.75 | #1 14,451 | 18.39 | 58.11 | |
230.02 | 1,46,134.96 | 87.31 | 1,854.70 | #1 4,039.96 | 1,605 | 0.34 | 52.54 | |
1,475.70 | #3 1,24,094.09 | #5 29.58 | #3 19,419.90 | #4 48.18 | #5 3,411 | #3 24.79 | 53.02 | |
638.80 | 1,20,118.92 | 14.47 | 36,413.00 | 19.35 | 7,391 | #1 73.39 | 51.02 | |
852.00 | 81,055.36 | 39.38 | 17,483.50 | 22.39 | 2,408 | -30.21 | 52.69 | |
2,017.00 | 80,975.27 | 17.31 | 15,162.70 | 26.62 | 4,468 | 21.51 | 30.56 | |
4,645.75 | 51,616.08 | 31.79 | 7,285.50 | 31.41 | 1,422 | -9.94 | 51.07 | |
263.10 | 32,506.79 | 12.86 | 15,970.30 | 24.45 | 1,943 | 47.29 | 41.96 | |
366.30 | 28,498.52 | 160.05 | 3,147.30 | 56.71 | 1,652 | -92.95 | 68.61 | |
1,609.00 | 27,328.08 | #1 6.59 | 2,611.20 | 381.77 | 4,285 | -10.31 | 49.88 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
48.18 %
Net Income Growth
27.42 %
Cash Flow Change
-31.65 %
ROE
-6.70 %
ROCE
13.66 %
EBITDA Margin (Avg.)
-0.12 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,479 | 1,13,627 | 1,56,686 |
| Fixed Assets | 69 | 120 | 150 | 171 | 167 | 283 | 228 | 259 | 403 | 1,563 |
| Current Assets | 7,456 | 8,765 | 9,409 | 1,360 | 4,197 | 7,809 | 6,215 | 5,308 | 4,181 | 5,956 |
| Capital Work in Progress | 0 | 0 | 0 | 4 | 14 | 11 | 10 | 37 | 61 | 13 |
| Investments | 9 | 4 | 48 | 23 | 42 | 33 | 1,584 | 2,055 | 3,562 | 4,036 |
| Other Assets | 23,790 | 27,765 | 30,401 | 43,970 | 57,267 | 63,732 | 72,823 | 80,128 | 1,09,602 | 1,51,075 |
| Total Liabilities | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,479 | 1,13,627 | 1,56,686 |
| Current Liabilities | 7,906 | 12,710 | 10,411 | 3,972 | 11,067 | 8,523 | 10,131 | 8,890 | 18,828 | 33,435 |
| Non Current Liabilities | 12,788 | 11,506 | 15,887 | 35,069 | 40,215 | 47,336 | 54,914 | 61,820 | 80,453 | 1,03,658 |
| Total Equity | 3,174 | 3,673 | 4,300 | 5,126 | 6,209 | 8,200 | 9,600 | 11,769 | 14,346 | 19,593 |
| Reserve & Surplus | 2,530 | 3,514 | 4,141 | 4,969 | 6,052 | 8,036 | 9,436 | 11,605 | 14,182 | 19,424 |
| Share Capital | 644 | 156 | 156 | 156 | 156 | 164 | 164 | 164 | 165 | 168 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | -485 | 85 | 2 | 22 | 2,862 | 323 | -1,888 | 1,219 | -1,787 | -66 |
| Investing Activities | -40 | -137 | -222 | -60 | -11 | -54 | -1,746 | 1,640 | -2,148 | -2,855 |
| Operating Activities | -2,264 | -2,809 | -1,468 | -7,926 | -9,317 | -2,075 | -8,848 | -5,571 | -27,105 | -35,683 |
| Financing Activities | 1,819 | 3,031 | 1,692 | 8,009 | 12,191 | 2,452 | 8,707 | 5,150 | 27,467 | 38,471 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 |
| Promoter | 51.62 % | 51.61 % | 51.57 % | 51.55 % | 51.55 % | 51.52 % | 51.50 % | 51.49 % | 51.47 % | 51.46 % | 51.43 % | 50.37 % | 50.35 % | 50.33 % | 50.24 % | 49.93 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.01 % | 0.01 % | 0.01 % | 0.01 % | 21.51 % | 24.73 % | 26.00 % | 26.62 % | 27.17 % | 27.43 % |
| DIIs | 20.28 % | 17.95 % | 18.30 % | 18.39 % | 19.54 % | 19.20 % | 20.64 % | 21.24 % | 21.47 % | 18.60 % | 20.04 % | 18.38 % | 17.04 % | 16.86 % | 16.58 % | 16.10 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 5.87 % | 6.05 % | 6.24 % | 6.18 % | 6.17 % | 6.28 % | 6.14 % | 6.06 % | 5.87 % | 5.69 % | 5.43 % | 5.11 % | 5.18 % | 4.91 % | 4.76 % | 5.20 % |
| Others | 22.23 % | 24.40 % | 23.89 % | 23.88 % | 22.74 % | 23.00 % | 21.70 % | 21.20 % | 21.18 % | 24.25 % | 1.60 % | 1.41 % | 1.43 % | 1.28 % | 1.25 % | 1.35 % |
| No of Share Holders | 86,296 | 1,03,134 | 1,07,443 | 1,14,309 | 1,20,069 | 1,25,525 | 1,30,833 | 1,30,154 | 1,21,184 | 1,40,546 | 1,46,815 | 1,40,636 | 1,55,055 | 1,43,097 | 1,46,889 | 1,76,231 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 4.5 | 5.5 | 6.5 | 6.5 | 1.7 | 2 | 2 | 2 | 2 | 0.00 |
| Dividend Yield (%) | 2.33 | 1.9 | 2.24 | 4.25 | 0.3 | 0.28 | 0.26 | 0.17 | 0.13 | 0.00 |
Corporate Action
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Announcements
Announcement under Regulation 30 (LODR)-Allotment
5 days ago
5 days agoClosure of Trading Window7 days ago
7 days agoBoard Meeting Intimation for Intimation Of Board Meeting7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Newspaper PublicationMar 30, 2025
Mar 30, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotMar 29, 2025
Mar 29, 2025Announcement under Regulation 30 (LODR)-AllotmentMar 26, 2025
Mar 26, 2025Amendment To The Code Of Practices And Procedures For Fair Disclosure Of Unpublished Price Sensitive InformationMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 24, 2025
Mar 24, 2025Board Meeting Outcome for Intimation On The Outcome Of The Board MeetingMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 22, 2025
Mar 22, 2025Announcement under Regulation 30 (LODR)-AllotmentMar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 03, 2025
Mar 03, 2025Announcement under Regulation 30 (LODR)-AllotmentFeb 17, 2025
Feb 17, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 06, 2025
Feb 06, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 03, 2025
Feb 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 31, 2025
Jan 31, 2025Integrated Filing (Financial)Jan 31, 2025
Jan 31, 2025Statement Of Deviation & Variation Under Reg 32Jan 31, 2025
Jan 31, 2025Compliances-Reg. 54 - Asset Cover details Jan 31, 2025
Jan 31, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJan 31, 2025
Jan 31, 2025Board Meeting Outcome for Declaration Of Interim Dividend Of Rs. 1.30 Per ShareJan 31, 2025
Jan 31, 2025Unaudited Financial Results For The Quarter And Nine Months Ended December 31 2024Jan 31, 2025
Jan 31, 2025Announcement under Regulation 30 (LODR)-AllotmentJan 23, 2025
Jan 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 22, 2025
Jan 22, 2025Update on board meetingJan 22, 2025
Jan 22, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 16, 2025
Jan 16, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJan 05, 2025
Jan 05, 2025Closure of Trading WindowJan 03, 2025
Jan 03, 2025Board Meeting Intimation for To Consider And Approve Unaudited Financial StatementsJan 03, 2025
Jan 03, 2025Announcement under Regulation 30 (LODR)-AllotmentDec 30, 2024
Dec 30, 2024Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSDec 13, 2024
Dec 13, 2024Announcement under Regulation 30 (LODR)-Newspaper PublicationDec 05, 2024
Dec 05, 2024Announcement under Regulation 30 (LODR)-AllotmentDec 02, 2024
Dec 02, 2024Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 22, 2024
Nov 22, 2024Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011Nov 18, 2024
Nov 18, 2024Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 11, 2024
Nov 11, 2024Announcement under Regulation 30 (LODR)-AllotmentNov 11, 2024
Nov 11, 2024Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 04, 2024
Nov 04, 2024Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate CertificateOct 30, 2024
Oct 30, 2024Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 28, 2024
Oct 28, 2024Announcement under Regulation 30 (LODR)-Investor PresentationOct 25, 2024
Oct 25, 2024Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 25, 2024
Oct 25, 2024Announcement under Regulation 30 (LODR)-Change in ManagementOct 25, 2024
Oct 25, 2024Results For The Quarter And Half Year Ended 30Th September 2024Oct 25, 2024
Oct 25, 2024Board Meeting Outcome for Outcome Of The Board Meeting For The Quarter Ended 30Th September 2024Oct 25, 2024
Oct 25, 2024Disclosure Pursuant To Regulation 31A Of SEBI LODR RegulationsOct 23, 2024
Oct 23, 2024Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 22, 2024
Oct 22, 2024Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 21, 2024
Oct 21, 2024Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Oct 15, 2024
Oct 15, 2024Announcement under Regulation 30 (LODR)-Change in DirectorateOct 07, 2024
Oct 07, 2024Technical Indicators
RSI(14)
Neutral 53.02
ATR(14)
Less Volatile 54.03
STOCH(9,6)
Neutral 34.11
STOCH RSI(14)
Neutral 40.47
MACD(12,26)
Bearish -10.95
ADX(14)
Weak Trend 22.70
UO(9)
Bearish 52.27
ROC(12)
Downtrend And Accelerating -3.50
WillR(14)
Neutral -47.12
About Cholamandalam Investment
Cholamandalam Investment and Finance Company (CIFCL) is an India-based non-banking financial company offering various financial services including vehicle finance, home loans, SME loans, consumer loans, and insurance agency services. The company operates 1,191 branches across India with Assets Under Management exceeding Rs 1,12,782 Crore. CIFCL provides loans for vehicle purchases, property, home acquisition/construction, and business purposes. It also offers wealth management, stock broking, and mutual fund distribution services. The company has expanded its operations through strategic partnerships, acquisitions, and investments in fintech companies. CIFCL is licensed as a composite corporate agent for insurance business solicitation and procurement.
Chairperson NameVellayan Subbiah
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