| 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 | 30-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 06-04-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 30-04-2026 11:25:00 |
| End date and time of board meeting | 30-04-2026 13:00:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 7,61,347.00 | 28,40,326.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 64,517.00 | 2,11,421.00 |
| (v) | Net gain on fair value changes | 4,167.00 | 11,138.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 11,487.00 | 43,911.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 153.00 | 514.00 |
| (ix) | Other revenue from operations | ||
| Total other revenue from operations | |||
| Total Revenue From Operations | 8,41,671.00 | 31,07,310.00 | |
| Other income | 14,683.00 | 46,563.00 | |
| Total income | 8,56,354.00 | 31,53,873.00 | |
| 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 | 1,09,238.00 | 4,19,508.00 | |
| Finance costs | 3,75,302.00 | 14,38,413.00 | |
| Depreciation, depletion and amortisation expense | 7,164.00 | 28,389.00 | |
| 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 | 84,631.00 | 3,53,634.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 65,821.00 | 2,16,625.00 |
| Total other expenses | 65,821.00 | 2,16,625.00 | |
| Total expenses | 6,42,156.00 | 24,56,569.00 | |
| 3 | Total profit before exceptional items and tax | 2,14,198.00 | 6,97,304.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 2,14,198.00 | 6,97,304.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 56,653.00 | 2,01,381.00 |
| 9 | Deferred tax | (6,861.00) | (26,965.00) |
| 10 | Total tax expenses | 49,792.00 | 1,74,416.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,64,406.00 | 5,22,888.00 |
| 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 | 114.00 | 373.00 |
| 15 | Total profit (loss) for period | 1,64,520.00 | 5,23,261.00 |
| 16 | Other comprehensive income net of taxes | 16,744.00 | 17,250.00 |
| 17 | Total Comprehensive Income for the period | 1,81,264.00 | 5,40,511.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 1,64,520.00 | 5,23,261.00 | |
| 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 | 1,81,264.00 | 5,40,511.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 0.00 | 0.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 17,048.00 | 17,048.00 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | 30,28,792.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 19.33 | 61.98 | |
| Diluted earnings per share from continuing operations | 19.28 | 61.83 | |
| 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 | 19.33 | 61.98 | |
| Diluted earnings per share | 19.28 | 61.83 | |
| 23 | Debt equity ratio | 6.9300 | 6.9300 |
| 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 | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 6,97,304.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 14,38,413.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (20,789.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 0.00 | |
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |
| Adjustments for other financial assets, non-current | (8,466.00) | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | 62,732.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 28,389.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 3,53,634.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 4,585.00 | |
| Adjustments for other financial liabilities, current | 0.00 | |
| Adjustments for other financial liabilities, non-current | 21,881.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for interest income | 0.00 | |
| Adjustments for share-based payments | 8,409.00 | |
| Adjustments for fair value losses (gains) | (11,403.00) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |
| Other adjustments to reconcile profit (loss) | (39,30,993.00) | |
| Other adjustments for non-cash items | (1,26,339.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (21,79,947.00) | |
| Net cash flows from (used in) operations | (14,82,643.00) | |
| Dividends received | 5.00 | |
| Interest paid | 14,22,795.00 | |
| Interest received | 81,429.00 | |
| Income taxes paid (refund) | 1,78,076.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (30,02,080.00) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 2,336.00 | |
| Purchase of property, plant and equipment | 26,511.00 | |
| Proceeds from sales of investment property | 0.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 0.00 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | 0.00 | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (2,31,226.00) | |
| Net cash flows from (used in) investing activities | (2,55,401.00) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 1,46,807.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 30,41,633.00 | |
| Proceeds from borrowings | 1,31,40,895.00 | |
| Repayments of borrowings | 1,27,36,057.00 | |
| Payments of lease liabilities | 15,325.00 | |
| Dividends paid | 16,952.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities | 35,61,001.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 3,03,520.00 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 3,03,520.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 5,27,965.00 | |
| Cash and cash equivalents cash flow statement at end of period | 8,31,485.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 8,31,485.00 | ||
| Bank Balance other than (a) above | 6,38,023.00 | ||
| Derivative financial instruments | 1,70,106.00 | ||
| Receivables | |||
| (I) Trade Receivables | 32,705.00 | ||
| (II) Other Receivables | 20,200.00 | ||
| Loans | 2,17,74,372.00 | ||
| Investments | 6,64,581.00 | ||
| Other Financial assets | |||
| 1 | Other Financial assets | 89,212.00 | |
| Total of Other Financial assets | 89,212.00 | ||
| Total Financial Assets | 2,42,20,684.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 2,973.00 | ||
| Deferred tax Assets (Net) | 1,16,023.00 | ||
| Investment Property | 13.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 1,83,945.00 | ||
| Capital work-in-progress | 2,751.00 | ||
| Intangible assets under development | 1,450.00 | ||
| Goodwill | 0.00 | ||
| Other Intangible assets | 2,906.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 14,078.00 | |
| Total of Other non-financial assets | 14,078.00 | ||
| Total Non Financial Assets | 3,24,139.00 | ||
| Total assets | 2,45,44,823.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 17,048.00 | ||
| Other equity | 30,28,792.00 | ||
| Total equity attributable to owners of parent | 30,45,840.00 | ||
| Non controlling interest | |||
| Total equity | 30,45,840.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 8,645.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 1,319.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 19,886.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | |||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,22,649.00 | ||
| (C ) | Debt Securities | 40,82,410.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,56,54,280.00 | |
| (e) | Deposits | 13,70,271.00 | |
| (f) | Subordinated Liabilities | 1,03,027.00 | |
| Other financial liabilities | |||
| Total of Other financial liabilities | |||
| Total Financial Liabilities | 2,14,62,487.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 0.00 | |
| (b) | Provisions | 28,140.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 8,356.00 | |
| Total of Other non-financial liabilities | 8,356.00 | ||
| Total Non Financial Liabilities | 36,496.00 | ||
| Total liabilities | 2,14,98,983.00 | ||
| Total equity and liabilites | 2,45,44,823.00 | ||
| Disclosure of notes on assets and liabilities | |||
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| Whether results are audited or unaudited | Audited | Audited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Vehicle Finance | 4,44,114.00 | 16,51,103.00 |
| 2 | Loan against property | 1,61,183.00 | 5,98,888.00 |
| 3 | Home Loans | 89,769.00 | 3,24,091.00 |
| 4 | Others | 1,33,179.00 | 4,82,835.00 |
| 5 | Unallocated | 28,109.00 | 96,956.00 |
| Total Segment Revenue | 8,56,354.00 | 31,53,873.00 | |
| Less: Inter segment revenue | 0.00 | 0.00 | |
| Revenue from operations | 8,56,354.00 | 31,53,873.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Vehicle Finance | 1,06,722.00 | 3,14,467.00 |
| 2 | Loan against property | 59,986.00 | 2,15,898.00 |
| 3 | Home Loans | 23,715.00 | 85,736.00 |
| 4 | Others | 18,747.00 | 53,466.00 |
| 5 | Unallocated | 5,143.00 | 28,111.00 |
| Total Profit before tax | 2,14,313.00 | 6,97,678.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 2,14,313.00 | 6,97,678.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Vehicle Finance | 1,19,55,739.00 | 1,19,55,739.00 |
| 2 | Loan against property | 45,80,808.00 | 45,80,808.00 |
| 3 | Home Loans | 22,44,837.00 | 22,44,837.00 |
| 4 | Others | 30,17,106.00 | 30,17,106.00 |
| 5 | Unallocated | 27,46,333.00 | 27,46,333.00 |
| Total Segment Asset | 2,45,44,823.00 | 2,45,44,823.00 | |
| Un-allocable Assets | 0.00 | 0.00 | |
| Net Segment Asset | 2,45,44,823.00 | 2,45,44,823.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Vehicle Finance | 1,04,72,478.00 | 1,04,72,478.00 |
| 2 | Loan against property | 40,12,501.00 | 40,12,501.00 |
| 3 | Home Loans | 19,66,337.00 | 19,66,337.00 |
| 4 | Others | 26,42,052.00 | 26,42,052.00 |
| 5 | Unallocated | 24,05,615.00 | 24,05,615.00 |
| Total Segment Liabilities | 2,14,98,983.00 | 2,14,98,983.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,14,98,983.00 | 2,14,98,983.00 | |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| 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 Profit or Loss | 56100000 | -37500000 |
| Total Amount of items that will not be reclassified to profit and loss | 56100000 | -37500000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 142.00 | (94.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to Profit or Loss | 2181600000 | 2342800000 |
| Total Amount of items that will be reclassified to profit and loss | 2181600000 | 2342800000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 5,491.00 | 5,897.00 |
| 5 | Total Other comprehensive income | 16,744.00 | 17,250.00 |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | KKC & Associates LLP | Yes | 31-07-2027 | ||
|---|---|---|---|---|---|
| 2 | B K Khare & Co. | Yes | 31-03-2028 | ||