| 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 | 06-11-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 06-10-2026 |
| 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 | 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 | 06-11-2026 12:00:00 |
| End date and time of board meeting | 06-11-2026 13:55:00 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 8,83,234.00 | 17,19,566.00 |
| (ii) | Dividend Income | 1,148.00 | 1,883.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 76,704.00 | 1,48,042.00 |
| (v) | Net gain on fair value changes | 0.00 | 15,742.00 |
| (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 | Premium income net of premium ceded to reinsurers | 1,63,330.00 | 3,29,013.00 |
| Total other revenue from operations | 1,63,330.00 | 3,29,013.00 | |
| Total Revenue From Operations | 11,28,506.00 | 22,34,700.00 | |
| Other income | 12,400.00 | 22,475.00 | |
| Total income | 11,40,906.00 | 22,57,175.00 | |
| 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 | 1,56,524.00 | 2,84,006.00 | |
| Finance costs | 4,33,443.00 | 8,34,168.00 | |
| Depreciation, depletion and amortisation expense | 9,860.00 | 18,602.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 2,065.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 86,527.00 | 1,78,749.00 | |
| (f) | Other expenses | ||
| 1 | Insurance claims (net of reinsurance recoveries) | 1,55,594.00 | 3,01,440.00 |
| 2 | Other expenditure | 93,930.00 | 1,97,430.00 |
| Total other expenses | 2,49,524.00 | 4,98,870.00 | |
| Total expenses | 9,37,943.00 | 18,14,395.00 | |
| 3 | Total profit before exceptional items and tax | 2,02,963.00 | 4,42,780.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 2,02,963.00 | 4,42,780.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 62,514.00 | 1,30,683.00 |
| 9 | Deferred tax | (11,387.00) | (18,442.00) |
| 10 | Total tax expenses | 51,127.00 | 1,12,241.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,51,836.00 | 3,30,539.00 |
| 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 | 175.00 | 371.00 |
| 15 | Total profit (loss) for period | 1,52,011.00 | 3,30,910.00 |
| 16 | Other comprehensive income net of taxes | (11,426.00) | 4,279.00 |
| 17 | Total Comprehensive Income for the period | 1,40,585.00 | 3,35,189.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 64,257.00 | 1,44,853.00 | |
| Total profit or loss, attributable to non-controlling interests | 87,754.00 | 1,86,057.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | (9,090.00) | 1,064.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | (2,336.00) | 3,215.00 | |
| 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 | 34.22 | 77.14 | |
| Diluted earnings per share from continuing operations | 34.22 | 77.14 | |
| 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 | 34.22 | 77.14 | |
| Diluted earnings per share | 34.22 | 77.14 | |
| 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 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 4,42,780.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 8,34,168.00 | |
| 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 | (1,52,386.00) | |
| Adjustments for decrease (increase) in other non-current assets | (27,85,556.00) | |
| 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 | (75,826.00) | |
| 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 | 18,602.00 | |
| 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 | 474.00 | |
| Adjustments for other financial liabilities, current | 44,861.00 | |
| Adjustments for other financial liabilities, non-current | 57,983.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 1,883.00 | |
| Adjustments for interest income | 1,18,647.00 | |
| Adjustments for share-based payments | 3,806.00 | |
| Adjustments for fair value losses (gains) | (15,867.00) | |
| 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) | 2,21,192.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (19,98,261.00) | |
| Net cash flows from (used in) operations | (15,55,481.00) | |
| Dividends received | 1,883.00 | |
| Interest paid | 8,00,801.00 | |
| Interest received | 1,23,346.00 | |
| Income taxes paid (refund) | 1,12,996.00 | |
| Other inflows (outflows) of cash | 2,48,486.00 | |
| Net cash flows from (used in) operating activities | (20,95,563.00) | |
| 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 | 1,558.00 | |
| Purchase of property, plant and equipment | 51,014.00 | |
| 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 | 0.00 | |
| Net cash flows from (used in) investing activities | (49,456.00) | |
| 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 | 0.00 | |
| Proceeds from borrowings | 89,09,789.00 | |
| Repayments of borrowings | 68,09,557.00 | |
| Payments of lease liabilities | 9,563.00 | |
| Dividends paid | 5,807.00 | |
| 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 | 20,91,758.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (53,261.00) | |
| 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 | (53,261.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 8,47,501.00 | |
| Cash and cash equivalents cash flow statement at end of period | 7,94,240.00 | |
| 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 | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 7,94,240.00 | ||
| Bank Balance other than (a) above | 5,95,916.00 | ||
| Derivative financial instruments | 1,96,551.00 | ||
| Receivables | |||
| (I) Trade Receivables | 46,361.00 | ||
| (II) Other Receivables | 31,562.00 | ||
| Loans | 2,40,35,693.00 | ||
| Investments | 26,63,238.00 | ||
| Other Financial assets | |||
| 1 | Receivables from Insurance contract assets | 1,47,741.00 | |
| 2 | receivable from reinsurance assets | 1,37,286.00 | |
| 3 | Interest only strip receivable | 79,469.00 | |
| 4 | Security deposit | 9,641.00 | |
| 5 | Other Financial assets | 54,884.00 | |
| Total of Other Financial assets | 4,29,021.00 | ||
| Total Financial Assets | 2,87,92,582.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 3,685.00 | ||
| Deferred tax Assets (Net) | 1,38,596.00 | ||
| Investment Property | 2,896.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 2,40,307.00 | ||
| Capital work-in-progress | 19,276.00 | ||
| Intangible assets under development | 5,814.00 | ||
| Goodwill | 4,272.00 | ||
| Other Intangible assets | 11,212.00 | ||
| Other non-financial assets | |||
| 1 | Reinsurance assets | 1,43,351.00 | |
| 2 | GST input credit | 8,477.00 | |
| 3 | prepaid expenses | 5,811.00 | |
| 4 | Capital Advance | 3,449.00 | |
| 5 | Others | 8,530.00 | |
| Total of Other non-financial assets | 1,69,618.00 | ||
| Total Non Financial Assets | 5,95,676.00 | ||
| Total assets | 2,93,88,258.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 1,878.00 | ||
| Other equity | 17,10,557.00 | ||
| Total equity attributable to owners of parent | 17,12,435.00 | ||
| Non controlling interest | 207875200000 | ||
| Total equity | 37,91,187.00 | ||
| 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 | 21,495.00 | ||
| 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 | 1,62,071.00 | ||
| (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 | 17,08,850.00 | |
| Other financial liabilities | |||
| 1 | Payable to other insurers | 1,40,267.00 | |
| 2 | Insurance contract liabilities | 12,54,984.00 | |
| 3 | Lease liability | 80,032.00 | |
| 4 | Collections towards derecognised assets pending remittance | 28,829.00 | |
| 5 | Others | 20,283.00 | |
| Total of Other financial liabilities | 15,24,395.00 | ||
| Total Financial Liabilities | 2,48,40,105.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 16,375.00 | |
| (b) | Provisions | 30,121.00 | |
| (C ) | Deferred tax liabilities (Net) | 338.00 | |
| Other non-financial liabilities | |||
| 1 | Insurance Contract Liabilities | 6,86,824.00 | |
| 2 | Other non-financial liabilities | 23,308.00 | |
| Total of Other non-financial liabilities | 7,10,132.00 | ||
| Total Non Financial Liabilities | 7,56,966.00 | ||
| Total liabilities | 2,55,97,071.00 | ||
| Total equity and liabilites | 2,93,88,258.00 | ||
| 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 | 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 | 9,27,092.00 | 18,12,721.00 |
| 2 | Insurance | 2,07,856.00 | 4,40,077.00 |
| 3 | Others | 3,100.00 | 3,536.00 |
| 4 | Intersegment | 0.00 | 0.00 |
| Total Segment Revenue | 11,38,048.00 | 22,56,334.00 | |
| Less: Inter segment revenue | 11,607.00 | 21,634.00 | |
| Revenue from operations | 11,26,441.00 | 22,34,700.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Financing | 2,18,705.00 | 4,40,912.00 |
| 2 | Insurance | (16,909.00) | 350.00 |
| 3 | Others | 3,018.00 | 3,369.00 |
| 4 | Intersegment | (1,851.00) | (1,851.00) |
| Total Profit before tax | 2,02,963.00 | 4,42,780.00 | |
| i. Finance cost | 0.00 | 0.00 | |
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |
| Profit before tax | 2,02,963.00 | 4,42,780.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Financing | 2,68,73,301.00 | 2,68,73,301.00 |
| 2 | Insurance | 24,33,103.00 | 24,33,103.00 |
| 3 | Others | 17,014.00 | 17,014.00 |
| 4 | Intersegment | (81,713.00) | (81,713.00) |
| Total Segment Asset | 2,92,41,705.00 | 2,92,41,705.00 | |
| Un-allocable Assets | 1,46,553.00 | 1,46,553.00 | |
| Net Segment Asset | 2,93,88,258.00 | 2,93,88,258.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Financing | 2,35,49,081.00 | 2,35,49,081.00 |
| 2 | Insurance | 21,30,003.00 | 21,30,003.00 |
| 3 | Others | 459.00 | 459.00 |
| 4 | Intersegment | (82,472.00) | (82,472.00) |
| Total Segment Liabilities | 2,55,97,071.00 | 2,55,97,071.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,55,97,071.00 | 2,55,97,071.00 | |
| 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 | 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 | 21200000 | 76900000 |
| Total Amount of items that will not be reclassified to profit and loss | 21200000 | 76900000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 66.00 | 105.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit and loss | -1555500000 | 478200000 |
| Total Amount of items that will be reclassified to profit and loss | -1555500000 | 478200000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (3,983.00) | 1,167.00 |
| 5 | Total Other comprehensive income | (11,426.00) | 4,279.00 |
| 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 | ||
|---|---|---|---|---|---|