| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 28-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 08-10-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second 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 | 28-10-2026 11:30:00 |
| End date and time of board meeting | 28-10-2026 13:10:00 |
| 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 | 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 8,51,318.00 | 16,56,129.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 68,172.00 | 1,27,607.00 |
| (v) | Net gain on fair value changes | 3,512.00 | 8,531.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 3,583.00 | 19,715.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 507.00 | 739.00 |
| (ix) | Other revenue from operations | ||
| 1 | Other Income | 12,359.00 | 22,398.00 |
| Total other revenue from operations | 12,359.00 | 22,398.00 | |
| Total Revenue From Operations | 9,39,451.00 | 18,35,119.00 | |
| Other income | 0.00 | 0.00 | |
| Total income | 9,39,451.00 | 18,35,119.00 | |
| 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 | 1,43,167.00 | 2,58,066.00 | |
| Finance costs | 4,33,443.00 | 8,34,180.00 | |
| Depreciation, depletion and amortisation expense | 8,317.00 | 15,823.00 | |
| 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 | 87,421.00 | 1,79,627.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 48,398.00 | 1,06,511.00 |
| Total other expenses | 48,398.00 | 1,06,511.00 | |
| Total expenses | 7,20,746.00 | 13,94,207.00 | |
| 3 | Total profit before exceptional items and tax | 2,18,705.00 | 4,40,912.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 2,18,705.00 | 4,40,912.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 63,470.00 | 1,28,723.00 |
| 9 | Deferred tax | (7,666.00) | (16,185.00) |
| 10 | Total tax expenses | 55,804.00 | 1,12,538.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,62,901.00 | 3,28,374.00 |
| 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 | 282.00 |
| 15 | Total profit (loss) for period | 1,63,034.00 | 3,28,656.00 |
| 16 | Other comprehensive income net of taxes | 13,327.00 | 10,799.00 |
| 17 | Total Comprehensive Income for the period | 1,76,361.00 | 3,39,455.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 1,76,361.00 | 3,39,455.00 | |
| Total profit or loss, attributable to non-controlling interests | 0.00 | 0.00 | |
| 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 | 17,157.00 | 17,157.00 | |
| 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 | 19.09 | 38.52 | |
| Diluted earnings per share from continuing operations | 19.06 | 38.45 | |
| 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 | 19.09 | 38.52 | |
| Diluted earnings per share | 19.06 | 38.45 | |
| 23 | Debt equity ratio | 6.7200 | 6.7200 |
| 24 | Debt service coverage ratio | 0.0 | 0.0 |
| 25 | Interest service coverage ratio | 0.0 | 0.0 |
| 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 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| 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 | 4,40,912.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 8,34,180.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (29,182.00) | |
| 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 | 12,905.00 | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | (76,301.00) | |
| 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 | 15,823.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 1,79,627.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 512.00 | |
| Adjustments for other financial liabilities, current | 0.00 | |
| Adjustments for other financial liabilities, non-current | 7,400.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for interest income | 55,112.00 | |
| Adjustments for share-based payments | 3,806.00 | |
| Adjustments for fair value losses (gains) | 762.00 | |
| 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) | (24,38,700.00) | |
| Other adjustments for non-cash items | (29,681.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (15,73,961.00) | |
| Net cash flows from (used in) operations | (11,33,049.00) | |
| Dividends received | 0.00 | |
| Interest paid | 7,97,694.00 | |
| Interest received | 55,902.00 | |
| Income taxes paid (refund) | 1,09,576.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (19,84,417.00) | |
| 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 | 1,257.00 | |
| Purchase of property, plant and equipment | 43,833.00 | |
| 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 | 53,821.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (1,64,291.00) | |
| Net cash flows from (used in) investing activities | (1,53,046.00) | |
| 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 | 6,896.00 | |
| 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 | 13,25,957.00 | |
| Proceeds from borrowings | 75,83,832.00 | |
| Repayments of borrowings | 68,09,557.00 | |
| Payments of lease liabilities | 9,000.00 | |
| Dividends paid | 5,979.00 | |
| 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 | 20,92,149.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (45,314.00) | |
| 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 | (45,314.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 8,31,485.00 | |
| Cash and cash equivalents cash flow statement at end of period | 7,86,171.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 7,86,171.00 | ||
| Bank Balance other than (a) above | 5,83,574.00 | ||
| Derivative financial instruments | 1,96,551.00 | ||
| Receivables | |||
| (I) Trade Receivables | 46,361.00 | ||
| (II) Other Receivables | 35,726.00 | ||
| Loans | 2,40,35,693.00 | ||
| Investments | 8,37,683.00 | ||
| Other Financial assets | |||
| 1 | Other Financial assets | 95,568.00 | |
| Total of Other Financial assets | 95,568.00 | ||
| Total Financial Assets | 2,66,17,327.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 299.00 | ||
| Deferred tax Assets (Net) | 1,28,624.00 | ||
| Investment Property | 13.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 2,16,760.00 | ||
| Capital work-in-progress | 19,276.00 | ||
| Intangible assets under development | 1,269.00 | ||
| Goodwill | 0.00 | ||
| Other Intangible assets | 2,601.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 16,055.00 | |
| Total of Other non-financial assets | 16,055.00 | ||
| Total Non Financial Assets | 3,84,897.00 | ||
| Total assets | 2,70,02,224.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 17,157.00 | ||
| Other equity | 34,35,986.00 | ||
| Total equity attributable to owners of parent | 34,53,143.00 | ||
| Non controlling interest | |||
| Total equity | 34,53,143.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 7,179.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 902.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 8,221.00 | ||
| 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 | 1,58,649.00 | ||
| (C ) | Debt Securities | 43,09,219.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,71,05,994.00 | |
| (e) | Deposits | 0.00 | |
| (f) | Subordinated Liabilities | 17,75,863.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 1,25,900.00 | |
| Total of Other financial liabilities | 1,25,900.00 | ||
| Total Financial Liabilities | 2,34,91,927.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 16,375.00 | |
| (b) | Provisions | 28,652.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 12,127.00 | |
| Total of Other non-financial liabilities | 12,127.00 | ||
| Total Non Financial Liabilities | 57,154.00 | ||
| Total liabilities | 2,35,49,081.00 | ||
| Total equity and liabilites | 2,70,02,224.00 | ||
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 4,77,793.00 | 9,37,443.00 |
| 2 | Loan against property | 1,66,093.00 | 3,37,541.00 |
| 3 | Home Loans | 99,690.00 | 1,90,726.00 |
| 4 | Others | 1,62,542.00 | 3,06,107.00 |
| 5 | Unallocated | 33,333.00 | 63,302.00 |
| Total Segment Revenue | 9,39,451.00 | 18,35,119.00 | |
| Less: Inter segment revenue | |||
| Revenue from operations | 9,39,451.00 | 18,35,119.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Vehicle Finance | 97,917.00 | 1,92,406.00 |
| 2 | Loan against property | 55,617.00 | 1,23,415.00 |
| 3 | Home Loans | 26,902.00 | 53,778.00 |
| 4 | Others | 28,949.00 | 54,539.00 |
| 5 | Unallocated | 9,453.00 | 17,056.00 |
| Total Profit before tax | 2,18,838.00 | 4,41,194.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 2,18,838.00 | 4,41,194.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Vehicle Finance | 1,29,78,637.00 | 1,29,78,637.00 |
| 2 | Loan against property | 49,80,654.00 | 49,80,654.00 |
| 3 | Home Loans | 25,02,631.00 | 25,02,631.00 |
| 4 | Others | 36,15,753.00 | 36,15,753.00 |
| 5 | Unallocated | 29,24,549.00 | 29,24,549.00 |
| Total Segment Asset | 2,70,02,224.00 | 2,70,02,224.00 | |
| Un-allocable Assets | 0.00 | 0.00 | |
| Net Segment Asset | 2,70,02,224.00 | 2,70,02,224.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Vehicle Finance | 1,13,18,029.00 | 1,13,18,029.00 |
| 2 | Loan against property | 43,43,383.00 | 43,43,383.00 |
| 3 | Home Loans | 21,82,421.00 | 21,82,421.00 |
| 4 | Others | 31,54,893.00 | 31,54,893.00 |
| 5 | Unallocated | 25,50,355.00 | 25,50,355.00 |
| Total Segment Liabilities | 2,35,49,081.00 | 2,35,49,081.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,35,49,081.00 | 2,35,49,081.00 | |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 400000 | -34300000 |
| Total Amount of items that will not be reclassified to profit and loss | 400000 | -34300000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 1.00 | (86.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to Profit or Loss | 1771500000 | 1472600000 |
| Total Amount of items that will be reclassified to profit and loss | 1771500000 | 1472600000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 4,391.00 | 3,670.00 |
| 5 | Total Other comprehensive income | 13,327.00 | 10,799.00 |