| 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
1,529.30
-9.20
(-0.60%)
Market Cap
1,29,354.20 Cr
EPS
41.17
PE Ratio
31.80
Dividend Yield
0.13 %
Industry
Financial Services52 Week High
1,652.00
52 Week Low
1,077.50
PB Ratio
6.04
Debt to Equity
6.83
Sector
NBFC
Live Chart 
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 from33 analysts
Company News
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Cholamandalam Investment Appoints Vellayan Subbiah as Executive ChairmanToday
Cholamandalam Investment and Finance Company Limited has approved the appointment of Vellayan Subbiah as the Executive Chairman of the company. This decision represents a significant change in the company's leadership structure.
Cholamandalam Investment and Finance Company Ltd. Block TradeToday
A block trade of approximately 1,186,793 shares of Cholamandalam Investment and Finance Company Ltd. was executed on the National Stock Exchange (NSE) at a price of Rs. 1549.70 per share, totaling Rs. 183.92 crores.
Cholamandalam Investment and Finance Company Ltd. Block TradeToday
A block trade of approximately 759,130 shares of Cholamandalam Investment and Finance Company Ltd. occurred on the National Stock Exchange (NSE) for Rs. 117.99 crores. The trade was executed at a price of Rs. 1554.30 per share.
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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 |
|---|---|---|---|---|---|---|---|---|
| 9,090.05 | 5,51,903.40 | 34.59 | 54,982.50 | 32.75 | 14,451 | 18.39 | 71.83 | |
| 232.68 | 1,45,563.20 | 90.55 | 1,854.70 | 4,039.96 | 1,605 | 0.34 | 53.33 | |
| 1,529.30 | 1,29,354.20 | 31.80 | 19,419.90 | 48.18 | 3,411 | 24.79 | 66.15 | |
| 682.00 | 1,27,258.30 | 15.69 | 36,413.00 | 19.35 | 7,391 | 73.39 | 72.88 | |
| 2,352.55 | 94,609.00 | 19.04 | 15,162.70 | 26.62 | 4,468 | 21.51 | 62.37 | |
| 854.50 | 81,577.90 | 39.90 | 17,483.50 | 22.39 | 2,408 | -30.21 | 59.47 | |
| 4,781.50 | 54,681.40 | 33.00 | 7,285.50 | 31.41 | 1,422 | -9.94 | 56.78 | |
| 293.10 | 35,997.20 | 14.55 | 15,970.30 | 24.45 | 1,943 | 47.29 | 62.69 | |
| 1,579.95 | 26,361.70 | 6.55 | 2,611.20 | 381.77 | 4,285 | -10.31 | 52.35 | |
| 347.30 | 26,045.10 | 152.27 | 3,147.30 | 56.71 | 1,652 | -92.95 | 73.97 |
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) %
| 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
Amendment To The Code Of Practices And Procedures For Fair Disclosure Of Unpublished Price Sensitive Information
Announcement under Regulation 30 (LODR)-Change in Directorate
Board Meeting Outcome for Intimation On The Outcome Of The Board Meeting
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Integrated Filing (Financial)
Statement Of Deviation & Variation Under Reg 32
Compliances-Reg. 54 - Asset Cover details
Announcement under Regulation 30 (LODR)-Investor Presentation
Board Meeting Outcome for Declaration Of Interim Dividend Of Rs. 1.30 Per Share
Unaudited Financial Results For The Quarter And Nine Months Ended December 31 2024
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Update on board meeting
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Closure of Trading Window
Board Meeting Intimation for To Consider And Approve Unaudited Financial Statements
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Newspaper Publication
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Announcement under Regulation 30 (LODR)-Investor Presentation
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Announcement under Regulation 30 (LODR)-Change in Management
Results For The Quarter And Half Year Ended 30Th September 2024
Board Meeting Outcome for Outcome Of The Board Meeting For The Quarter Ended 30Th September 2024
Disclosure Pursuant To Regulation 31A Of SEBI LODR Regulations
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Announcement under Regulation 30 (LODR)-Change in Directorate
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Closure of Trading Window
Board Meeting Intimation for Consideration And Approval Of The Unaudited Financials For The Quarter And Half Year Ended 30Th September, 2024.
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Technical Indicators
RSI(14)
Neutral 68.17
ATR(14)
Volatile 48.83
STOCH(9,6)
Neutral 79.11
STOCH RSI(14)
Overbought 85.79
MACD(12,26)
Bullish 5.50
ADX(14)
Strong Trend 25.97
UO(9)
Bearish 55.69
ROC(12)
Uptrend And Accelerating 6.33
WillR(14)
Neutral -21.54
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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