| Scrip code | 511243 |
|---|---|
| NSE Symbol | CHOLAFIN |
| MSEI Symbol | NOTLISTED |
| ISIN | INE121A01024 |
| Name of company | Cholamandalam Investment and Finance Company Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 30-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 02-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| 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 | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 30-01-2026 14:10:00 |
| End date and time of board meeting | 30-01-2026 16:00:00 |
| 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 |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 7,22,377.00 | 20,76,807.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 53,126.00 | 1,42,381.00 |
| (v) | Net gain on fair value changes | 1,723.00 | 6,971.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 10,127.00 | 32,424.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 141.00 | 361.00 |
| (ix) | Other revenue from operations | ||
| Total other revenue from operations | |||
| Total Revenue From Operations | 7,87,494.00 | 22,58,944.00 | |
| Other income | 11,042.00 | 31,683.00 | |
| Total income | 7,98,536.00 | 22,90,627.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 1,08,267.00 | 3,07,016.00 | |
| Finance costs | 3,64,302.00 | 10,62,478.00 | |
| Depreciation, depletion and amortisation expense | 7,314.00 | 21,029.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 91,030.00 | 2,68,941.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 54,333.00 | 1,48,834.00 |
| Total other expenses | 54,333.00 | 1,48,834.00 | |
| Total expenses | 6,25,246.00 | 18,08,298.00 | |
| 3 | Total profit before exceptional items and tax | 1,73,290.00 | 4,82,329.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,73,290.00 | 4,82,329.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 54,871.00 | 1,44,554.00 |
| 9 | Deferred tax | (10,347.00) | (20,113.00) |
| 10 | Total tax expenses | 44,524.00 | 1,24,441.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,28,766.00 | 3,57,888.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 1,28,766.00 | 3,57,888.00 |
| 16 | Other comprehensive income net of taxes | 3,770.00 | 507.00 |
| 17 | Total Comprehensive Income for the period | 1,32,536.00 | 3,58,395.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | |||
| Total profit or loss, attributable to non-controlling interests | |||
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | |||
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | |||
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 16,886.00 | 16,886.00 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 15.26 | 42.51 | |
| Diluted earnings per share from continuing operations | 15.23 | 42.4 | |
| 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 | 15.26 | 42.51 | |
| Diluted earnings per share | 15.23 | 42.4 | |
| 23 | Debt equity ratio | 7.1700 | 7.1700 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | Not Applicable for NBFC |
| 25 | Interest service coverage ratio | Not Applicable for NBFC |
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Standalone | Standalone | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Vehicle Finance | 4,21,211.00 | 12,06,989.00 |
| 2 | Loan against property | 1,51,857.00 | 4,37,705.00 |
| 3 | Home Loans | 84,299.00 | 2,34,322.00 |
| 4 | Others | 1,18,476.00 | 3,42,764.00 |
| 5 | Unallocated | 22,693.00 | 68,847.00 |
| Total Segment Revenue | 7,98,536.00 | 22,90,627.00 | |
| Less: Inter segment revenue | |||
| Revenue from operations | 7,98,536.00 | 22,90,627.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Vehicle Finance | 75,832.00 | 2,07,745.00 |
| 2 | Loan against property | 53,659.00 | 1,55,912.00 |
| 3 | Home Loans | 22,416.00 | 62,021.00 |
| 4 | Others | 12,496.00 | 33,683.00 |
| 5 | Unallocated | 8,887.00 | 22,968.00 |
| Total Profit before tax | 1,73,290.00 | 4,82,329.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 1,73,290.00 | 4,82,329.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Vehicle Finance | 1,12,93,522.00 | 1,12,93,522.00 |
| 2 | Loan against property | 43,48,398.00 | 43,48,398.00 |
| 3 | Home Loans | 21,43,791.00 | 21,43,791.00 |
| 4 | Others | 26,93,202.00 | 26,93,202.00 |
| 5 | Unallocated | 24,07,141.00 | 24,07,141.00 |
| Total Segment Asset | 2,28,86,054.00 | 2,28,86,054.00 | |
| Un-allocable Assets | 0.00 | 0.00 | |
| Net Segment Asset | 2,28,86,054.00 | 2,28,86,054.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Vehicle Finance | 99,32,683.00 | 99,32,683.00 |
| 2 | Loan against property | 38,24,428.00 | 38,24,428.00 |
| 3 | Home Loans | 18,85,470.00 | 18,85,470.00 |
| 4 | Others | 23,68,679.00 | 23,68,679.00 |
| 5 | Unallocated | 21,17,087.00 | 21,17,087.00 |
| Total Segment Liabilities | 2,01,28,347.00 | 2,01,28,347.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,01,28,347.00 | 2,01,28,347.00 | |
| Disclosure of notes on segments | |||
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 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 Profit or Loss | 34700000 | -93400000 |
| Total Amount of items that will not be reclassified to profit and loss | 34700000 | -93400000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 87.00 | (235.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to Profit or Loss | 469100000 | 161200000 |
| Total Amount of items that will be reclassified to profit and loss | 469100000 | 161200000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 1,181.00 | 406.00 |
| 5 | Total Other comprehensive income | 3,770.00 | 507.00 |
| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 1,15,76,723.00 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 51,400.00 | |
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 1,95,93,258.00 | |