Cholamandalam Investment and Finance Company profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

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

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	19.3%	19.3%	19.7%	20.2%	20.4%
	2.3%	2.3%	2.4%	2.5%	2.7%
	6.3%	6.3%	6.3%	6.2%	6.5%
	38.7%	38.7%	39.7%	41.9%	39.3%
	1.8%	1.8%	1.5%	1.1%	1.0%
	18.0%	16.8%	16.5%	17.9%	20.7%
Leverage
	8.06×	8.06×	8.53×	8.00×	7.92×
	6.96×	6.96×	7.40×	6.86×	6.79×
Additional
	25.0%	25.0%	25.8%	25.9%	26.0%
	—	3.2%	3.9%	4.9%	6.2%

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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

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	20.41	20.15	19.71	19.33	19.33
Return on Assets	2.72	2.53	2.38	2.34	2.34
Margins & Efficiency
Net Interest Margin (on avg assets)	6.46	6.21	6.28	6.27	6.27
Cost to Income	39.32	41.87	39.70	38.74	38.74
Credit Cost (impairment / avg loans)	0.95	1.06	1.53	1.77	1.77
Net Income Margin	20.68	17.87	16.49	16.84	18.00
Leverage
Leverage (Assets/Equity)	7.92	8.00	8.53	8.06	8.06
Total Debt/Equity	6.79	6.86	7.40	6.96	6.96
Additional
Effective Tax Rate	25.95	25.94	25.80	25.01	24.97
Dvd Payout Ratio	6.17	4.88	3.94	3.24	—

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%.