| 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 | 08-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 15-04-2026 |
| 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 | 08-05-2026 12:30:00 |
| End date and time of board meeting | 08-05-2026 14:15:00 |
| 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 | 7,92,118.00 | 29,61,616.00 |
| (ii) | Dividend Income | 1,210.00 | 3,512.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 69,710.00 | 2,32,774.00 |
| (v) | Net gain on fair value changes | 0.00 | 8,159.00 |
| (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 | ||
| 1 | Premium income net of premium ceded to reinsurers | 1,69,688.00 | 6,56,786.00 |
| Total other revenue from operations | 1,69,688.00 | 6,56,786.00 | |
| Total Revenue From Operations | 10,44,366.00 | 39,07,272.00 | |
| Other income | 15,330.00 | 50,305.00 | |
| Total income | 10,59,696.00 | 39,57,577.00 | |
| 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 | 1,21,660.00 | 4,68,606.00 | |
| Finance costs | 3,75,462.00 | 14,38,806.00 | |
| Depreciation, depletion and amortisation expense | 8,424.00 | 33,257.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 7,746.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 85,213.00 | 3,54,220.00 | |
| (f) | Other expenses | ||
| 1 | Insurance claims (net of reinsurance recoveries) | 1,33,985.00 | 5,28,800.00 |
| 2 | Other expenditure | 1,13,255.00 | 4,01,296.00 |
| Total other expenses | 2,47,240.00 | 9,30,096.00 | |
| Total expenses | 8,45,745.00 | 32,24,985.00 | |
| 3 | Total profit before exceptional items and tax | 2,13,951.00 | 7,32,592.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 2,13,951.00 | 7,32,592.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 60,356.00 | 2,13,543.00 |
| 9 | Deferred tax | (8,699.00) | (28,743.00) |
| 10 | Total tax expenses | 51,657.00 | 1,84,800.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,62,294.00 | 5,47,792.00 |
| 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 | 261.00 | 726.00 |
| 15 | Total profit (loss) for period | 1,62,555.00 | 5,48,518.00 |
| 16 | Other comprehensive income net of taxes | (2,988.00) | 1,093.00 |
| 17 | Total Comprehensive Income for the period | 1,59,567.00 | 5,49,611.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 68,714.00 | 2,44,129.00 | |
| Total profit or loss, attributable to non-controlling interests | 93,841.00 | 3,04,389.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | (4,432.00) | (2,051.00) | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 1,444.00 | 3,144.00 | |
| 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 | 33,86,118.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 36.59 | 130.01 | |
| Diluted earnings per share from continuing operations | 36.59 | 130.01 | |
| 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 | 36.59 | 130.01 | |
| Diluted earnings per share | 36.59 | 130.01 | |
| 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 | 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 | 7,32,592.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 14,38,806.00 | |
| 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 | (87,592.00) | |
| Adjustments for decrease (increase) in other non-current assets | (44,78,911.00) | |
| Adjustments for other financial assets, non-current | 0.00 | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | 32,520.00 | |
| 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 | 33,257.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 4,806.00 | |
| Adjustments for other financial liabilities, current | 41,101.00 | |
| Adjustments for other financial liabilities, non-current | 11,135.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 3,512.00 | |
| Adjustments for interest income | 2,12,463.00 | |
| Adjustments for share-based payments | 8,409.00 | |
| Adjustments for fair value losses (gains) | (8,423.00) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 597.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 3,10,309.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (29,30,750.00) | |
| Net cash flows from (used in) operations | (21,98,158.00) | |
| Dividends received | 3,512.00 | |
| Interest paid | 14,29,449.00 | |
| Interest received | 2,03,758.00 | |
| Income taxes paid (refund) | 1,70,830.00 | |
| Other inflows (outflows) of cash | 5,87,890.00 | |
| Net cash flows from (used in) operating activities | (30,03,277.00) | |
| 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 | 2,842.00 | |
| Purchase of property, plant and equipment | 36,021.00 | |
| 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 | (2,19,661.00) | |
| Net cash flows from (used in) investing activities | (2,52,840.00) | |
| 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 | 0.00 | |
| 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 | 1,46,807.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 1,61,82,528.00 | |
| Repayments of borrowings | 1,27,36,057.00 | |
| Payments of lease liabilities | 16,318.00 | |
| Dividends paid | 11,933.00 | |
| 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 | 35,65,027.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 3,08,910.00 | |
| 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 | 3,08,910.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 5,38,591.00 | |
| Cash and cash equivalents cash flow statement at end of period | 8,47,501.00 | |
| 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 | 8,47,501.00 | ||
| Bank Balance other than (a) above | 6,50,077.00 | ||
| Derivative financial instruments | 1,70,106.00 | ||
| Receivables | |||
| (I) Trade Receivables | 32,705.00 | ||
| (II) Other Receivables | 15,560.00 | ||
| Loans | 2,17,74,372.00 | ||
| Investments | 24,96,830.00 | ||
| Other Financial assets | |||
| 1 | Receivables from Insurance contract assets | 1,04,938.00 | |
| 2 | receivable from reinsurance assets | 95,045.00 | |
| 3 | Interest only strip receivable | 68,303.00 | |
| 4 | Security deposit | 11,713.00 | |
| 5 | Other Financial assets | 51,943.00 | |
| Total of Other Financial assets | 3,31,942.00 | ||
| Total Financial Assets | 2,63,19,093.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 4,986.00 | ||
| Deferred tax Assets (Net) | 1,21,309.00 | ||
| Investment Property | 2,896.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 2,04,600.00 | ||
| Capital work-in-progress | 2,751.00 | ||
| Intangible assets under development | 6,957.00 | ||
| Goodwill | 4,272.00 | ||
| Other Intangible assets | 9,098.00 | ||
| Other non-financial assets | |||
| 1 | Reinsurance assets | 1,31,796.00 | |
| 2 | GST input credit | 11,750.00 | |
| 3 | prepaid expenses | 4,588.00 | |
| 4 | Others | 9,176.00 | |
| Total of Other non-financial assets | 1,57,310.00 | ||
| Total Non Financial Assets | 5,14,179.00 | ||
| Total assets | 2,68,33,272.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 1,878.00 | ||
| Other equity | 15,43,537.00 | ||
| Total equity attributable to owners of parent | 15,45,415.00 | ||
| Non controlling interest | 184258100000 | ||
| Total equity | 33,87,996.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 8,645.00 | |
| (b) | Payables | 0.00 | |
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 1,344.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 32,596.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,27,863.00 | ||
| (C ) | Debt Securities | 40,82,410.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,56,54,280.00 | |
| (e) | Deposits | 0.00 | |
| (f) | Subordinated Liabilities | 13,03,313.00 | |
| Other financial liabilities | |||
| 1 | Payable to other insurers | 1,02,092.00 | |
| 2 | Insurance contract liabilities | 11,74,862.00 | |
| 3 | Lease liability | 63,844.00 | |
| 4 | Collections towards derecognised assets pending remittance | 25,671.00 | |
| 5 | Others | 16,031.00 | |
| Total of Other financial liabilities | 13,82,500.00 | ||
| Total Financial Liabilities | 2,26,92,951.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 88.00 | |
| (b) | Provisions | 30,056.00 | |
| (C ) | Deferred tax liabilities (Net) | 221.00 | |
| Other non-financial liabilities | |||
| 1 | Insurance Contract Liabilities | 7,05,070.00 | |
| 2 | Other non-financial liabilities | 16,890.00 | |
| Total of Other non-financial liabilities | 7,21,960.00 | ||
| Total Non Financial Liabilities | 7,52,325.00 | ||
| Total liabilities | 2,34,45,276.00 | ||
| Total equity and liabilites | 2,68,33,272.00 | ||
| 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 | Financing | 8,41,676.00 | 31,07,315.00 |
| 2 | Insurance | 2,05,206.00 | 8,35,178.00 |
| 3 | Others | 5,238.00 | 8,979.00 |
| 4 | Intersegment | 0.00 | 0.00 |
| Total Segment Revenue | 10,52,120.00 | 39,51,472.00 | |
| Less: Inter segment revenue | 15,500.00 | 44,200.00 | |
| Revenue from operations | 10,36,620.00 | 39,07,272.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Financing | 2,14,198.00 | 6,97,304.00 |
| 2 | Insurance | (485.00) | 34,156.00 |
| 3 | Others | 5,347.00 | 9,316.00 |
| 4 | Intersegment | (4,848.00) | (7,458.00) |
| Total Profit before tax | 2,14,212.00 | 7,33,318.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 2,14,212.00 | 7,33,318.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Financing | 2,44,25,827.00 | 2,44,25,827.00 |
| 2 | Insurance | 23,46,813.00 | 23,46,813.00 |
| 3 | Others | 15,611.00 | 15,611.00 |
| 4 | Intersegment | (85,546.00) | (85,546.00) |
| Total Segment Asset | 2,67,02,705.00 | 2,67,02,705.00 | |
| Un-allocable Assets | 1,30,567.00 | 1,30,567.00 | |
| Net Segment Asset | 2,68,33,272.00 | 2,68,33,272.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Financing | 2,14,98,983.00 | 2,14,98,983.00 |
| 2 | Insurance | 20,31,363.00 | 20,31,363.00 |
| 3 | Others | 476.00 | 476.00 |
| 4 | Intersegment | (85,546.00) | (85,546.00) |
| Total Segment Liabilities | 2,34,45,276.00 | 2,34,45,276.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,34,45,276.00 | 2,34,45,276.00 | |
| 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 and loss | 78300000 | -21500000 |
| Total Amount of items that will not be reclassified to profit and loss | 78300000 | -21500000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 172.00 | (84.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit and loss | -480800000 | 163700000 |
| Total Amount of items that will be reclassified to profit and loss | -480800000 | 163700000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (1,209.00) | 413.00 |
| 5 | Total Other comprehensive income | (2,988.00) | 1,093.00 |
| 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 | R.G.N. Price & Co. | Yes | 31-03-2028 | ||
|---|---|---|---|---|---|