Cholamandalam Financial Holdings Limited has filed its Business Responsibility and Sustainability Report for the financial year ended March 31, 2026, with the stock exchanges. The report, prepared on a consolidated basis, covers the company along with its associate Cholamandalam Investment and Finance Company Limited and subsidiary Cholamandalam MS General Insurance Company Limited. It details the group's performance across environmental, social, and governance parameters, including an independent assessment by B Thiagarajan & Co., Chartered Accountants.

Business Overview and Operations

The group operates primarily in the financial services sector, with lending business contributing 77.97% of the total turnover and general insurance business accounting for 21.67%. Operations are spread across 1,909 offices nationally, serving 26 states and 7 union territories for the lending business, and 23 states and 5 union territories for the insurance business. The consolidated turnover for the period stood at ₹39,576 crore, while the net worth was ₹33,880 crore.

Employee Statistics and Well-being

As of March 31, 2026, the total workforce comprised 53,514 employees, including 28 differently abled individuals. The gender diversity stood at 96% male and 4% female employees. The company reported a turnover rate of 29% for permanent employees in FY 26. Spending on well-being measures accounted for 0.39% of the total revenue. The group ensured 100% coverage for permanent employees under health and accident insurance, with 67% covered for paternity benefits.

Environmental Performance

The group reported a total energy consumption of 1,38,783 Giga Joules in FY 26, with renewable sources contributing 1,138 Giga Joules. Total Scope 1 and Scope 2 greenhouse gas emissions were recorded at 18,881 metric tonnes of CO2 equivalent. Water consumption totalled 7,13,638 kilolitres, sourced entirely from third-party water. The company generated 266.44 metric tonnes of waste, of which 138.34 metric tonnes were recovered through recycling or other recovery operations. The report confirmed zero data breaches in customer data protection for the lending business during the year.

Stakeholder Grievances and Governance

The group established mechanisms to address grievances across various stakeholder categories. During FY 26, it received 30,322 customer complaints, resolving 30,321 with one pending. Shareholders filed 21 complaints, of which three remained pending at the close of the year. The report also highlighted that the group had no fines or penalties imposed by regulators during the financial year. The independent assessment by B Thiagarajan & Co. concluded that the BRSR Core disclosures are aligned with the SEBI framework and supported by underlying data.

Cholamandalam Financial Holdings Limited has published newspaper advertisements in connection with its 77th Annual General Meeting (AGM), scheduled to be held on Friday, August 14, 2026, at 2:30 P.M. IST via video conferencing. The advertisements appeared in ‘Business Standard’ (English) and ‘Makkal Kural’ (Tamil) editions on July 8, 2026. This disclosure was submitted to the National Stock Exchange of India Ltd and BSE Limited in compliance with Regulation 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The company has previously recommended a final dividend of ₹1.30 per equity share of Re.1 each for the financial year 2025-26. To receive the dividend credit, shareholders holding shares in physical form must register their bank account details with the Registrar and Transfer Agent, while those holding shares in demat form must provide bank account particulars to their Depository Participant.

Meeting Details and Compliance

The AGM will be conducted via video conferencing or other audio-visual means in compliance with the Ministry of Corporate Affairs Circular No. 3/2025 dated September 22, 2025. This mode allows members to participate without physical presence. The notice of the AGM and the annual report for FY 2025-26 will be sent electronically to members whose email addresses are registered with the Depository Participant or Registrar and Transfer Agent. Hard copies will be sent to members who request them.

Key AGM Information

KYC and Documentation Deadlines

Shareholders holding securities in physical form must furnish PAN, KYC details, and nomination details. Documents must be uploaded on the shareholder portal or submitted to the Registrar and Transfer Agent, KFIN Technologies Limited, by July 30, 2026. This compliance is mandatory for the electronic payment of dividends and other payouts.