General information about company |
|
|---|---|
| Scrip code | 504973 |
| NSE Symbol | CHOLAHLDNG |
| MSEI Symbol | NOTLISTED |
| ISIN | INE149A01033 |
| Name of company | Cholamandalam Financial Holdings Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2025 |
| Date of end of financial year | 31-Mar-2026 |
| Date of board meeting when results were approved | 08-Aug-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 07-Jul-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | First quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 08-Aug-2025 12:15:00 |
| End date and time of board meeting | 08-Aug-2025 13:45:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
Financial Results — NBFC |
|||
|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Part I | Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column. | ||
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 69539300000 | 69539300000 |
| (ii) | Dividend Income | 57700000 | 57700000 |
| (iii) | Rental Income | 0 | 0 |
| (iv) | Fees and commission Income | 5367000000 | 5367000000 |
| (v) | Net gain on fair value changes | 1331500000 | 1331500000 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 1465800000 | 1465800000 |
| (vii) | Sale of products (including Excise Duty) | 0 | 0 |
| (viii) | Sale of services | 9700000 | 9700000 |
| (ix) | Other revenue from operations | ||
| 1 | Premium income net of premium ceded to reinsurers | 15192200000 | 15192200000 |
| Total other revenue from operations | 15192200000 | 15192200000 | |
| Total Revenue From Operations | 92963200000 | 92963200000 | |
| Other income | 866300000 | 866300000 | |
| Total income | 93829500000 | 93829500000 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0 | 0 | |
| Purchases of stock-in-trade | 0 | 0 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0 | 0 | |
| Employee benefit expense | 10504500000 | 10504500000 | |
| Finance costs | 34676700000 | 34676700000 | |
| Depreciation, depletion and amortisation expense | 786000000 | 786000000 | |
| Fees and commission expense | 0 | 0 | |
| Net loss on fair value changes | 0 | 0 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0 | 0 | |
| Impairment on financial instruments | 8822400000 | 8822400000 | |
| (f) | Other expenses | ||
| 1 | Insurance claims (net of reinsurance recoveries) | 12938500000 | |
| 2 | Other expenditure | 9153800000 | |
| Total other expenses | 22092300000 | 22092300000 | |
| Total expenses | 76881900000 | 76881900000 | |
| 3 | Total profit before exceptional items and tax | 16947600000 | 16947600000 |
| 4 | Exceptional items | 0 | 0 |
| 5 | Total profit before tax | 16947600000 | 16947600000 |
| 7 | Tax expense | ||
| 8 | Current tax | 4860000000 | 4860000000 |
| 9 | Deferred tax | -494400000 | -494400000 |
| 10 | Total tax expenses | 4365600000 | 4365600000 |
| 11 | Net Profit Loss for the period from continuing operations | 12582000000 | 12582000000 |
| 12 | Profit (loss) from discontinued operations before tax | 0 | 0 |
| 13 | Tax expense of discontinued operations | 0 | 0 |
| 17 | Net profit (loss) from discontinued operation after tax | 0 | 0 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 13400000 | 13400000 |
| 15 | Total profit (loss) for period | 12595400000 | 12595400000 |
| 16 | Other comprehensive income net of taxes | 501000000 | 501000000 |
| 17 | Total Comprehensive Income for the period | 13096400000 | 13096400000 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 5785000000 | 5785000000 | |
| Total profit or loss, attributable to non-controlling interests | 6810400000 | 6810400000 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 6210900000 | 6210900000 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 6885500000 | 6885500000 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 187800000 | 187800000 | |
| Face value of equity share capital | 1 | 1 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 30.81 | 30.81 | |
| Diluted earnings per share from continuing operations | 30.81 | 30.81 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 30.81 | 30.81 | |
| Diluted earnings per share | 30.81 | 30.81 | |
| 23 | Debt equity ratio | ||
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
Remarks |
||
|---|---|---|
| 23 | Debt equity ratio | |
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio | |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
|||
|---|---|---|---|
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| Whether accounts are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Financing | 72668000000 | |
| 2 | Insurance | 21053400000 | |
| 3 | Others | 36500000 | |
| 4 | Inter segment | 0 | |
| Total Segment Revenue | 93757900000 | 93757900000 | |
| Less: Inter segment revenue | 794700000 | ||
| Revenue from operations | 92963200000 | 92963200000 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Financing | 15312700000 | |
| 2 | Insurance | 1606600000 | |
| 3 | Others | 41700000 | |
| 4 | Inter segment | 0 | |
| Total Profit before tax | 16961000000 | 16961000000 | |
| i. Finance cost | 0 | ||
| ii. Other Unallocable Expenditure net off Unallocable income | 0 | 0 | |
| Profit before tax | 16961000000 | 16961000000 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Financing | 2083697300000 | 2083697300000 |
| 2 | Insurance | 239615900000 | 239615900000 |
| 3 | Others | 1067800000 | 1067800000 |
| 4 | Inter segment | -8197200000 | -8197200000 |
| Total Segment Asset | 2316183800000 | 2316183800000 | |
| Un-allocable Assets | 11366300000 | 11366300000 | |
| Net Segment Asset | 2327550100000 | 2327550100000 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Financing | 1846336200000 | 1846336200000 |
| 2 | Insurance | 206463900000 | 206463900000 |
| 3 | Others | 46100000 | 46100000 |
| 4 | Inter segment | -8197200000 | -8197200000 |
| Total Segment Liabilities | 2044649000000 | 2044649000000 | |
| Un-allocable Liabilities | 0 | 0 | |
| Net Segment Liabilities | 2044649000000 | 2044649000000 | |
| Disclosure of notes on segments | |||
Other Comprehensive Income |
|||
|---|---|---|---|
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | 01-Apr-2025 |
| B | Date of end of reporting period | 30-Jun-2025 | 30-Jun-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Items that will not be reclassified to Statement of Profit or loss | -37500000 | -37500000 |
| Total Amount of items that will not be reclassified to profit and loss | -37500000 | -37500000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | -9500000 | -9500000 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | items that will be reclassified to statement of profit and loss | 706900000 | 706900000 |
| Total Amount of items that will be reclassified to profit and loss | 706900000 | 706900000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 177900000 | 177900000 |
| 5 | Total Other comprehensive income | 501000000 | 501000000 |