INTEGRATED FILING — NBFC



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 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 14-08-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
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 14-08-2026   11:00:00
End date and time of board meeting 14-08-2026   13:00:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results — NBFC

Amount in (Lakhs)

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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 8,36,332.00 8,36,332.00
(ii) Dividend Income 735.00 735.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 71,338.00 71,338.00
(v) Net gain on fair value changes 17,807.00 17,807.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 16,132.00 16,132.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 232.00 232.00
(ix) Other revenue from operations
1 Premium income net of premium ceded to reinsurers 1,68,781.00 1,68,781.00
Total other revenue from operations 1,68,781.00 1,68,781.00
Total Revenue From Operations 11,11,357.00 11,11,357.00
Other income 10,075.00 10,075.00
Total income 11,21,432.00 11,21,432.00
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 1,27,482.00 1,27,482.00
Finance costs 4,00,725.00 4,00,725.00
Depreciation, depletion and amortisation expense 8,742.00 8,742.00
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 92,222.00 92,222.00
(f) Other expenses
1 Other Expenditure 1,06,598.00 1,06,598.00
2 Insurance claims (net of reinsurance recoveries) 1,45,846.00 1,45,846.00
Total other expenses 2,52,444.00 2,52,444.00
Total expenses 8,81,615.00 8,81,615.00
3 Total profit before exceptional items and tax 2,39,817.00 2,39,817.00
4 Exceptional items 0.00 0.00
5 Total profit before tax 2,39,817.00 2,39,817.00
7 Tax expense
8 Current tax 68,169.00 68,169.00
9 Deferred tax (7,055.00) (7,055.00)
10 Total tax expenses 61,114.00 61,114.00
11 Net Profit Loss for the period from continuing operations 1,78,703.00 1,78,703.00
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 196.00 196.00
15 Total profit (loss) for period 1,78,899.00 1,78,899.00
16 Other comprehensive income net of taxes 15,705.00 15,705.00
17 Total Comprehensive Income for the period 1,94,604.00 1,94,604.00
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 80,596.00 80,596.00
Total profit or loss, attributable to non-controlling interests 98,303.00 98,303.00
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 90,750.00 90,750.00
Total comprehensive income for the period attributable to owners of parent non-controlling interests 1,03,854.00 1,03,854.00
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
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 42.92 42.92
Diluted earnings per share from continuing operations 42.92 42.92
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 42.92 42.92
Diluted earnings per share 42.92 42.92
23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio
26 Disclosure of notes on financial results Textual Information(1)


Remarks

23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block

Textual Information(1) 1.The Consolidated financial results of Cholamandalam Financial Holdings Limited (The Company) for the quarter ended June 30, 2026 has been reviewed by the Audit Committee and approved by the Board of Directors at their meeting held on August 14, 2026. A Limited Review of these financial results have also been carried out by the Statutory Auditors in compliance with Regulation 33 of Securities Exchange Board of India (SEBI) (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended. 2.The consolidated financial results of the Company comprising the Company, its Subsidiaries (together 'the Group'), Joint Ventures and Associates, include the results of the following entities: a)Cholamandalam Investment and Finance Company Limited (CIFCL)-Subsidiary b)Cholamandalam Securities Limited-Subsidiary of CIFCL c)Cholamandalam Leasing Limited (Formely known as Cholamandalam Home Finance Limited)-Subsidiary of CIFCL d)Vishvakarma Payments Private Limited-Associate of CIFCL e)Payswiff Technologies Private Limited-Joint Venture of CIFCL f)Chola Foundation-Jointly controlled entity (not for profit) of CIFCL g)Cholamandalam MS General Insurance Company Limited (CMSGICL)-Subsidiary h)Cholamandalam MS Risk Services Limited-Joint Venture 3.Insurance contracts are recognised as per IND AS 104 in line with previous years as CMSGICL has obtained forbearance from IRDAI for implementation of IND AS for the financial year 2026-2027 4.The Government of India has notified New Labour Code effective from November 21, 2025, impact of these have been assessed based on best information available . In the consolidated financial results the revised wage definition has resulted in increase in employee benefits expense by Rs 57.40 crores for the year ended March 2026. The Group continues to monitor the finalisation of Central and State Rules and clarifications from the Government on the New Labour Codes and would provide appropriate accounting effect on the basis of such developments, as and when needed. 5.The Segment Reporting for Consolidated Financial Results is given in Appendix 1. 6.In respect of Consolidated financial results, the figures for the quarter ended March 31, 2026 is the balancing figure between the audited financials in respect of full financial years ended March 31, 2026 and the published year to date figures for the nine months ended December 31, 2025 which were subject to Limited Review. 7.Prior period figures have been regrouped wherever necessary to conform to the current period presentation.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 8,85,629.00 8,85,629.00
2 Insurance 2,32,221.00 2,32,221.00
3 Others 436.00 436.00
4 Intersegment 0.00 0.00
Total Segment Revenue 11,18,286.00 11,18,286.00
Less: Inter segment revenue 6,929.00 6,929.00
Revenue from operations 11,11,357.00 11,11,357.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Financing 2,22,207.00 2,22,207.00
2 Insurance 17,259.00 17,259.00
3 Others 547.00 547.00
4 Intersegment 0.00 0.00
Total Profit before tax 2,40,013.00 2,40,013.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 2,40,013.00 2,40,013.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Financing 2,54,84,797.00 2,54,84,797.00
2 Insurance 24,09,437.00 24,09,437.00
3 Others 16,872.00 16,872.00
4 Intersegment (82,658.00) (82,658.00)
Total Segment Asset 2,78,28,448.00 2,78,28,448.00
Un-allocable Assets 1,29,181.00 1,29,181.00
Net Segment Asset 2,79,57,629.00 2,79,57,629.00
4 Segment Liabilities
Segment Liabilities
1 Financing 2,23,96,760.00 2,23,96,760.00
2 Insurance 20,55,806.00 20,55,806.00
3 Others 514.00 514.00
4 Intersegment (82,658.00) (82,658.00)
Total Segment Liabilities 2,43,70,422.00 2,43,70,422.00
Un-allocable Liabilities 0.00 0.00
Net Segment Liabilities 2,43,70,422.00 2,43,70,422.00
Disclosure of notes on segments


Other Comprehensive Income

Amount in (Lakhs)

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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 55700000 55700000
Total Amount of items that will not be reclassified to profit and loss 55700000 55700000
2 Income tax relating to items that will not be reclassified to profit or loss 39.00 39.00
3 Amount of items that will be reclassified to profit and loss
1 Items that will be reclassified to Statement of Profit or loss 2033700000 2033700000
Total Amount of items that will be reclassified to profit and loss 2033700000 2033700000
4 Income tax relating to items that will be reclassified to profit or loss 5,150.00 5,150.00
5 Total Other comprehensive income 15,705.00 15,705.00




Details of Impact of Audit Qualification

Amount in (Lakhs)

Whether results are audited or unaudited Unaudited
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