5112432026-04-012026-06-305112432026-06-305112432026-04-012026-06-30in-capmkt:OtherExpenses1Member5112432026-04-012026-06-30in-capmkt:ReportableSegments1Member5112432026-04-012026-06-30in-capmkt:ReportableSegments2Member5112432026-04-012026-06-30in-capmkt:ReportableSegments3Member5112432026-04-012026-06-30in-capmkt:ReportableSegments4Member5112432026-04-012026-06-30in-capmkt:ReportableSegments5Member5112432026-04-012026-06-30in-capmkt:ReportableSegments1Member5112432026-04-012026-06-30in-capmkt:ReportableSegments2Member5112432026-04-012026-06-30in-capmkt:ReportableSegments3Member5112432026-04-012026-06-30in-capmkt:ReportableSegments4Member5112432026-04-012026-06-30in-capmkt:ReportableSegments5Member5112432026-04-012026-06-30in-capmkt:ReportableSegments1Member5112432026-06-30in-capmkt:ReportableSegments1Member5112432026-04-012026-06-30in-capmkt:ReportableSegments2Member5112432026-06-30in-capmkt:ReportableSegments2Member5112432026-04-012026-06-30in-capmkt:ReportableSegments3Member5112432026-06-30in-capmkt:ReportableSegments3Member5112432026-04-012026-06-30in-capmkt:ReportableSegments4Member5112432026-06-30in-capmkt:ReportableSegments4Member5112432026-04-012026-06-30in-capmkt:ReportableSegments5Member5112432026-06-30in-capmkt:ReportableSegments5Member5112432026-04-012026-06-30in-capmkt:ReportableSegments1Member5112432026-06-30in-capmkt:ReportableSegments1Member5112432026-04-012026-06-30in-capmkt:ReportableSegments2Member5112432026-06-30in-capmkt:ReportableSegments2Member5112432026-04-012026-06-30in-capmkt:ReportableSegments3Member5112432026-06-30in-capmkt:ReportableSegments3Member5112432026-04-012026-06-30in-capmkt:ReportableSegments4Member5112432026-06-30in-capmkt:ReportableSegments4Member5112432026-04-012026-06-30in-capmkt:ReportableSegments5Member5112432026-06-30in-capmkt:ReportableSegments5Member5112432026-04-012026-06-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15112432026-04-012026-06-30ItemsThatWillBeReclassifiedToProfitAndLoss1iso4217:INRxbrli:pureiso4217:INRxbrli:shares511243CHOLAFINNOTLISTEDINE121A01024Cholamandalam Investment and Finance Company LimitedMain BoardEquity2026-04-012027-03-312026-07-282026-07-06INRCroresQuarterlyFirst quarterMulti segment2026-07-2812:35:002026-07-2814:30:00Not applicablefalsetrue2026-04-012026-06-30UnauditedStandalone803992000000058006000005019000001613200000018900000883338000009957000008932950000000011397800000400314000007417000000009218500000573520000067124600000222049000000222049000006519400000-850400000566900000016535900000000016535900000-252800000162831000001705900000219.419.360019.419.360.06871. The financial results for the quarter ended June 30, 2026, has been reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on July 28, 2026. The financial results for the quarter ended June 30, 2026, have been subjected to limited review by Joint Statutory Auditors in compliance with Regulation 33 and Regulation 52 of Securities and Exchange Board of India (SEBI) (Listing Obligations and Disclosure Requirements), Regulations 2015, as amended. The financial results of the Company have been prepared as per Indian Accounting Standards prescribed under Section 133 of the Companies Act, 2013, the circular, guidelines and directions issued by the Reserve Bank of India (RBI) from time to time (“RBI guidelines”) and that it has been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters, to the extent those are not inconsistent with the Indian Accounting Standards prescribed under Section 133 of the Companies Act, 2013 and other accounting principles generally accepted in India. <br /> <br /> 2. Disclosures as per Reserve Bank of India Directions <br /> a) Transfer of Loan Exposure <br /> Particulars Quarter ended <br /> June 30, 2026 Quarter ended <br /> March 31, 2026 Quarter ended <br /> June 30, 2025 <br /> i) Transfer of loans not in default <br /> Count of loans accounts assigned 3761 2611 3807 <br /> Amount of loan accounts assigned (Rs in crores.) 1991.8 1402.83 2159.11 <br /> Weighted average maturity (in months) 142 138 137 <br /> Weighted average holding period (in months) 20 21 23 <br /> Retention of beneficial economic interest (%) 0.1 0.1 0.1 <br /> Coverage of tangible security NA NA NA <br /> Rating wise distribution of rated loans NA NA NA <br /> ii) Transfer of Stressed loans- Non Performing asset to Asset Reconstruction Companies(ARCs) <br /> No of accounts NIL 1540 NIL <br /> Aggregate principal outstanding of loans transferred (Rs in crores) NIL 87.91 NIL <br /> Weighted average residual tenor of the loans transferred (in months) NIL 110 NIL <br /> Net book value of loans transferred (at the time of transfer) (Rs in crores) NIL 67.13 NIL <br /> Aggregate consideration (Rs in crores) NIL 53.76 NIL <br /> Additional consideration realized in respect of accounts transferred in earlier years (Rs in crores) NIL NIL NIL <br /> iii) Transfer of Stressed loans- Non Performing asset to "permitted" and "other" transferees NIL <br /> iv) Transfer of Stressed loans- Special Mention Accounts NIL <br /> v) Acquistion of loans not in default and Stressed loans NIL <br /> <br /> b) Details of Co-lending arrangements (CLA) <br /> Particulars Quarter ended June 30,2026 <br /> As a Originator As a Partner <br /> Number of CLA's 1 4 <br /> Number of Outstanding Loans 2846 10474 <br /> Amount of Outstanding Loans - Net of write off (Rs in crores) 67.04 41.67 <br /> Weighted average Interest rate 0.094 0.2253 <br /> Fee charged/paid (Loan Origination) -Rs in crores 0 0 <br /> Broad Sector In which CLA was made Vehicle Finance Personal Loans <br /> Performance of loans under CLA -(Rs in crores) <br /> Stage -1 58.06 36.85 <br /> Stage -2 5.32 2.02 <br /> Stage -3 3.66 2.79 <br /> Details related to Default Loss Guarantee NIL Three Partners have provided default loss guarantee between 1% and 5% of total disbursement. <br /> The company has not made any disbursements under CLA from April 1,2025 <br /> <br /> 3. 5,49,462 options were exercised during the quarter ended June 30, 2026 (4,53,007 for the quarter ended March 31, 2026). The total outstanding employee stock options as at June 30 ,2026 is 52,76,715 (58,87,750 as at March 31,2026). <br /> <br /> 4. The Government of India has notified New Labour Codes effective from November 21, 2025, impact of these have been assessed based on best information available,which has resulted in increase in Employee benefits expense by Rs 49.45 crores in Standalone Financial Results and Rs 49.65 crores in Consolidated Financial Results for the year ended March 31,2026. The Company 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 needed. <br /> <br /> 5. The listed Non - Convertible Debentures of the Company aggregating to Rs. 32,549.80 crores as on June 30, 2026 are secured by way of an exclusive charge on identified standard assets of the Company . The total asset cover is above one hundred percent of the principal amount of the said debentures. <br /> <br /> 6. The Company had on October 05, 2023 allotted 2,00,000, 7.5% Compulsorily Convertible Debentures (CCDs) of face value Rs. 1,00,000/- each to eligible qualified institutional buyers at an Issue Price of Rs. 1,00,000/- per CCD. Further, pursuant to the placement document, the CCDs have an early conversion option on or after September 30, 2025. Up to June 30, 2026, 1,37,000 CCDs were converted into 98,74,127 equity shares. <br /> <br /> 7. In respect of standalone and Consolidated financial results, the figures for the quarter ended March 31,2026 is the balancing figure between the audited figures in respect of the full financial year and the published unaudited year-to-date figures upto the third quarter of the previous financial year which were subjected to limited review. <br /> <br /> 8. The Segment Reporting is given in Appendix 1 for Standalone Financial Results and in Appendix 2 for Consolidated Financial Results. <br /> <br /> 9. Ratios disclosed pursuant to regulation 52(4) of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 is given in Appendix 3.Not Applicable for NBFCNot Applicable for NBFCOther expenses5735200000Vehicle Finance45965000000Loan against property17144800000Home Loans9103600000Others14119200000Unallocated29969000008932950000089329500000Vehicle Finance9448900000Loan against property6779800000Home Loans2687600000Others2528300000Unallocated7603000002220490000022204900000Vehicle Finance1241313500000Loan against property463555000000Home Loans234164000000Others316797100000Unallocated300654500000255648410000002556484100000Vehicle Finance1085555300000Loan against property405388800000Home Loans204781400000Others277045900000Unallocated262928800000223570020000002235700200000Items that will not be reclassified to Profit or Loss-34700000-34700000-8700000Items that will be reclassified to Profit or Loss-298900000-298900000-72100000-25280000012595847000000514000000002185236700000