Cholamandalam Investment and Finance Company cash flow

Latest FY26

Cash from operations: −₹30,021cr−₹32,413 cr in FY25
Cash from investing: −₹2,554cr−₹2,948 cr in FY25
Cash from financing: ₹35,610cr−10.5% on FY25
Capital spending: ₹265cr+32.9% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	284	245	198	121
	—	3,536	2,494	1,318	850
	—	14,384	12,495	9,231	5,748
	—	0.0	−669	−470	−276
	—	0.0	−0.1	−0.3	−0.3
	—	−114	−188	−128	−69.7
	—	84.1	74.5	55.4	28.5
	—	−1,263	−155	20.3	0.8
	—	0.0	0.0	−23.4	0.0
	—	−39,310	−42,125	−40,958	−31,574
	—	−208	92.0	−211	−41.4
	—	0.0	190	−100	0.0
	—	−84.7	0.0	0.0	36.6
	—	627	159	389	388
	—	219	49.0	−50.3	−33.1
	—	45.9	41.6	51.8	22.5
Cash from operating activities
	8,286	6,973	5,741	4,605	3,615
	—	−21,799	−27,297	−30,679	−24,800
	—	−14,826	−21,556	−26,074	−21,185
	—	814	661	444	0.3
	—	14,228	11,977	8,745	5,280
	—	0.1	0.1	0.3	262
	—	0.0	2,000	0.0	0.0
	—	1,781	1,541	1,308	903
	—	−30,021	−32,413	−35,683	−27,105
Cash from investing activities
	—	265	200	1,076	143
	—	0.0	0.0	0.0	23.7
	—	23.4	12.9	5.4	1.9
	—	0.0	0.0	0.0	10.4
	—	0.0	0.0	0.0	6.8
	—	0.0	0.0	0.0	−478
	—	−2,312	−2,761	−1,784	−1,488
	—	−2,554	−2,948	−2,855	−2,148
Cash from financing activities
	—	1,468	47.5	2,009	24.3
	—	30,416	23,665	26,793	23,258
	—	1,31,409	1,37,086	1,17,664	84,719
	—	1,27,361	1,20,702	1,07,738	80,312
	—	153	134	89.5	57.6
	—	170	168	167	164
	—	35,610	39,795	38,471	27,466
	—	3,035	4,434	−66.2	−1,787
	—	3,035	4,434	−66.2	−1,787
	—	—	—	846	912
Reference items
	—	−30,286	−32,613	−36,759	−27,271
	—	6,778	7,948	358	—
	—	−₹355.30	−₹382.60	−₹431.24	−₹319.94
	—	−5.74×	−7.60×	−10.43×	−10.17×
	—	1,781	1,541	1,308	903
	—	14,228	11,977	8,745	5,280

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

CHOLAFIN₹1,604.20

Cholamandalam Investment and Finance Company Ltd.

· Banking & Finance

₹ CrorePeersSHRIRAMFIN SUNDARMFIN UNIONBANK MUTHOOTFIN PFC PNB RECLTD BAJAJHLDNGMcap ₹1.37L Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	121.1	198.1	244.8	283.9	—
+ Impairment Loss / (Reversal)	849.7	1,317.6	2,494.3	3,536.3	—
+ Finance Costs	5,748.0	9,230.8	12,494.5	14,384.1	—
+ Interest Income	-276.1	-470.4	-668.6	0.0	—
+ Dividend Income	-0.3	-0.3	-0.1	0.0	—
+ Fair Value (Gains) / Losses	-69.7	-128.3	-188.0	-114.0	—
+ Share-based Payments	28.5	55.4	74.5	84.1	—
+ Other Non-cash Items	0.8	20.3	-155.2	-1,263.4	—
+ Other — Cash Effects are Investing / Financing	0.0	-23.4	0.0	0.0	—
+ Other Reconciling Items	-31,574.1	-40,958.2	-42,125.5	-39,309.9	—
Changes in Working Capital
+ Trade Receivables — Current	-41.4	-210.8	92.0	-207.9	—
+ Other Financial Assets — Current	0.0	-100.4	190.2	0.0	—
+ Other Financial Assets — Non-current	36.6	0.0	0.0	-84.7	—
+ Trade Payables — Current	388.0	389.1	159.2	627.3	—
+ Other Financial Liabilities — Non-current	-33.1	-50.3	49.0	218.8	—
+ Provisions — Non-current	22.5	51.8	41.6	45.9	—
Cash from Operating Activities
Profit Before Tax (per I/S)	3,614.6	4,605.3	5,741.5	6,973.0	8,286.2
+ Total Adjustments (incl. Working Capital)	-24,799.5	-30,679.3	-27,297.3	-21,799.5	—
Cash from Operations (pre-tax)	-21,185.0	-26,074.0	-21,555.8	-14,826.4	—
+ Interest Received — Operating	0.3	443.7	660.7	814.3	—
+ Interest Paid — Operating	5,279.9	8,744.8	11,976.9	14,228.0	—
+ Dividends Received — Operating	262.2	0.3	0.1	0.1	—
+ Other Inflows / (Outflows) — Operating	0.0	0.0	2,000.2	0.0	—
+ Income Taxes Paid	902.7	1,308.1	1,541.4	1,780.8	—
Cash from Operating Activities	-27,105.1	-35,682.9	-32,413.2	-30,020.8	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	142.6	1,076.2	199.5	265.1	—
+ Acq of Intangible Assets	23.7	0.0	0.0	0.0	—
+ Disp of Fixed Assets	1.9	5.4	12.9	23.4	—
+ Acq of Intangibles under Development	10.4	0.0	0.0	0.0	—
+ Acq of Interests in Joint Ventures	6.8	0.0	0.0	0.0	—
+ Interest Received — Investing	-478.4	0.0	0.0	0.0	—
+ Other Inflows / (Outflows) — Investing	-1,488.4	-1,783.8	-2,761.5	-2,312.3	—
Cash from Investing Activities	-2,148.4	-2,854.6	-2,948.1	-2,554.0	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	24.3	2,009.2	47.5	1,468.1	—
+ Proceeds from Debentures / Notes / Bonds	23,257.7	26,793.1	23,665.3	30,416.3	—
+ Proceeds from Borrowings	84,718.5	1,17,663.8	1,37,086.2	1,31,409.0	—
+ Repayment of Borrowings	80,312.1	1,07,738.5	1,20,702.1	1,27,360.6	—
+ Payment of Lease Liabilities	57.6	89.5	133.6	153.3	—
+ Dividends Paid	164.3	166.8	168.1	169.5	—
Cash from Financing Activities	27,466.5	38,471.2	39,795.3	35,610.0	—
Net Changes in Cash (pre-FX)	-1,787.0	-66.2	4,434.0	3,035.2	—
Net Changes in Cash	-1,787.0	-66.2	4,434.0	3,035.2	—
Closing Cash	911.9	845.6	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	-27,271.4	-36,759.1	-32,612.7	-30,285.9	—
Free Cash Flow to Equity	—	358.3	7,948.4	6,778.0	—
Free Cash Flow per Basic Share	-319.94	-431.24	-382.60	-355.30	—
Cash Flow to Net Income	-10.17	-10.43	-7.60	-5.74	—
Cash Paid for Taxes	902.7	1,308.1	1,541.4	1,780.8	—
Cash Paid for Interest	5,279.9	8,744.8	11,976.9	14,228.0	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.