| 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 | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 09-02-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 14-01-2026 |
| 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 | 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 | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 09-02-2026 12:00:00 |
| End date and time of board meeting | 09-02-2026 14:20:00 |
| 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 |
| 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 | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 7,53,927.00 | 21,69,498.00 |
| (ii) | Dividend Income | 729.00 | 2,302.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 56,563.00 | 1,63,064.00 |
| (v) | Net gain on fair value changes | 5,172.00 | 15,905.00 |
| (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 | ||
| 1 | Premium income net of premium ceded to reinsurers | 1,68,220.00 | 4,87,098.00 |
| Total other revenue from operations | 1,68,220.00 | 4,87,098.00 | |
| Total Revenue From Operations | 9,94,879.00 | 28,70,652.00 | |
| Other income | 13,533.00 | 34,975.00 | |
| Total income | 10,08,412.00 | 29,05,627.00 | |
| 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 | 1,22,111.00 | 3,46,946.00 | |
| Finance costs | 3,64,802.00 | 10,63,344.00 | |
| Depreciation, depletion and amortisation expense | 8,718.00 | 24,833.00 | |
| 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 | 91,047.00 | 2,69,007.00 | |
| (f) | Other expenses | ||
| 1 | Insurance claims (net of reinsurance recoveries) | 1,32,149.00 | 3,94,815.00 |
| 2 | Other expenditure | 1,03,398.00 | 2,88,041.00 |
| Total other expenses | 2,35,547.00 | 6,82,856.00 | |
| Total expenses | 8,22,225.00 | 23,86,986.00 | |
| 3 | Total profit before exceptional items and tax | 1,86,187.00 | 5,18,641.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,86,187.00 | 5,18,641.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 56,774.00 | 1,53,187.00 |
| 9 | Deferred tax | (9,036.00) | (20,044.00) |
| 10 | Total tax expenses | 47,738.00 | 1,33,143.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,38,449.00 | 3,85,498.00 |
| 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 | 133.00 | 465.00 |
| 15 | Total profit (loss) for period | 1,38,582.00 | 3,85,963.00 |
| 16 | Other comprehensive income net of taxes | 621.00 | 4,081.00 |
| 17 | Total Comprehensive Income for the period | 1,39,203.00 | 3,90,044.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 62,573.00 | 1,75,415.00 | |
| Total profit or loss, attributable to non-controlling interests | 76,009.00 | 2,10,548.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 62,358.00 | 1,77,796.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 76,845.30 | 2,12,248.30 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 1,878.00 | 1,878.00 | |
| 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 | 33.32 | 93.42 | |
| Diluted earnings per share from continuing operations | 33.32 | 93.42 | |
| 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 | 33.32 | 93.42 | |
| Diluted earnings per share | 33.32 | 93.42 | |
| 23 | Debt equity ratio | ||
| 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 | |
| 25 | Interest service coverage ratio |
| 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 | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Financing | 7,89,821.00 | 22,65,639.00 |
| 2 | Insurance | 2,14,926.00 | 6,29,972.00 |
| 3 | Others | 369.00 | 3,741.00 |
| 4 | Inter segment | 0.00 | 0.00 |
| Total Segment Revenue | 10,05,116.00 | 28,99,352.00 | |
| Less: Inter segment revenue | (10,237.00) | (28,700.00) | |
| Revenue from operations | 10,15,353.00 | 29,28,052.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Financing | 1,73,514.00 | 4,83,106.00 |
| 2 | Insurance | 12,381.00 | 34,641.00 |
| 3 | Others | 425.00 | 3,969.00 |
| 4 | Inter segment | 0.00 | (2,610.00) |
| Total Profit before tax | 1,86,320.00 | 5,19,106.00 | |
| i. Finance cost | 0.00 | 0.00 | |
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |
| Profit before tax | 1,86,320.00 | 5,19,106.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Financing | 2,28,04,894.00 | 2,28,04,894.00 |
| 2 | Insurance | 23,94,323.00 | 23,94,323.00 |
| 3 | Others | 11,214.00 | 11,214.00 |
| 4 | Inter segment | (85,769.00) | (85,769.00) |
| Total Segment Asset | 2,51,24,662.00 | 2,51,24,662.00 | |
| Un-allocable Assets | 1,28,071.00 | 1,28,071.00 | |
| Net Segment Asset | 2,52,52,733.00 | 2,52,52,733.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Financing | 2,01,57,212.00 | 2,01,57,212.00 |
| 2 | Insurance | 20,59,318.00 | 20,59,318.00 |
| 3 | Others | 292.00 | 292.00 |
| 4 | Inter segment | (85,769.00) | (85,769.00) |
| Total Segment Liabilities | 2,21,31,053.00 | 2,21,31,053.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,21,31,053.00 | 2,21,31,053.00 | |
| 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 | 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 | 11100000 | -99800000 |
| Total Amount of items that will not be reclassified to profit and loss | 11100000 | -99800000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 26.00 | (256.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit and loss | 71600000 | 644500000 |
| Total Amount of items that will be reclassified to profit and loss | 71600000 | 644500000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 180.00 | 1,622.00 |
| 5 | Total Other comprehensive income | 621.00 | 4,081.00 |