Cholamandalam Investment and Finance Company quarterly results

Q2 FY27 · Jul–Sep 2026

₹ crore	Q2 FY27	Q2 FY26	Change
Total income	9,395	7,613	+23.4%
Net interest income	4,179	3,384	+23.5%
Net profit	1,630	1,160	+40.6%
EPS	₹19.09	₹13.78	+38.5%

Every quarter

₹ crore except per share

Tap a line for its trend	Q2 FY27Sep 2026	Q1 FY27Jun 2026	Q4 FY26Mar 2026	Q3 FY26Dec 2025	Q2 FY26Sep 2025	Q1 FY26Jun 2025	Q4 FY25Mar 2025	Q3 FY25Dec 2024	Q2 FY25Sep 2024	Q1 FY25Jun 2024	Q4 FY24Mar 2024	Q3 FY24Dec 2023	Earlier quartersAlpha Plus

Expenses
Revenue from operations													Earlier quartersEvery year the company has filed comes with Alpha Plus.
	8,513	8,048	7,613	7,232	6,901	6,656	6,424	6,167	5,776	5,375	4,938	4,616
	682	594	645	546	489	434	470	439	431	405	429	365
	35.1	50.2	41.7	17.2	23.4	29.1	56.9	61.7	45.5	32.4	60.3	23.1
	35.8	161	115	101	76.4	147	93.9	65.2	0.0	0.0	0.0	0.0
	5.1	2.3	1.5	1.4	1.2	1.0	0.5	0.6	2.0	0.4	0.4	3.6
	124	—	—	—	—	—	—	—	—	—	—	—
	9,395	8,856	8,417	7,898	7,491	7,267	7,046	6,733	6,255	5,812	5,428	5,007
	0.0	100	147	110	122	86.3	91.3	104	67.2	44.4	71.6	47.3
	9,395	8,957	8,564	8,009	7,613	7,353	7,137	6,837	6,322	5,857	5,499	5,055
	4,334	4,007	3,753	3,646	3,517	3,468	3,365	3,275	3,059	2,796	2,579	2,441
	874	922	846	910	897	882	625	664	624	582	187	359
	1,432	1,149	1,092	1,094	1,073	936	934	893	806	694	775	695
	83.2	75.1	71.6	73.8	71.0	67.4	64.1	59.2	62.6	59.0	75.2	45.8
	484	581	658	550	490	468	451	481	467	451	455	358
	7,207	6,735	6,422	6,274	6,049	5,822	5,439	5,372	5,018	4,582	4,071	3,898
	4,179	4,041	3,860	3,587	3,384	3,188	3,059	2,892	2,718	2,579	2,358	2,175
	3,061	3,144	2,988	2,646	2,462	2,414	2,323	2,129	1,928	1,856	1,614	1,515
Profit
	2,187	2,222	2,142	1,735	1,565	1,531	1,698	1,465	1,304	1,275	1,428	1,157
	2,187	2,222	2,142	1,735	1,565	1,531	1,698	1,465	1,304	1,275	1,428	1,157
	635	653	567	549	457	441	512	471	386	357	263	362
	−76.7	−85.2	−68.6	−104	−50.9	−46.7	−73.5	−93.7	−48.8	−29.2	116	−77.2
	558	567	498	446	406	394	439	377	337	328	379	284
	1.3	1.5	1.1	0.6	1.3	0.7	0.4	1.1	0.7	0.5	16.2	−0.1
	1,630	1,656	1,645	1,290	1,160	1,138	1,260	1,088	968	947	1,065	872
	1,629	1,655	1,644	1,289	1,158	1,137	1,259	1,087	967	947	1,049	872
	133	−25.3	167	37.7	47.2	−79.8	−149	101	−92.2	−1.1	−17.5	−46.1
	1,764	1,631	1,813	1,328	1,207	1,058	1,111	1,189	876	946	1,048	826
	1,764	1,656	1,645	1,290	—	1,138	1,260	1,088	968	947	1,065	872
Per share
	₹19.09	₹19.43	₹19.33	₹15.29	₹13.78	₹13.53	₹14.98	₹12.95	₹11.52	₹11.27	₹12.68	₹10.40
	₹19.06	₹19.40	₹19.28	₹15.25	₹13.75	₹13.50	₹14.94	₹12.91	₹11.49	₹11.25	₹12.65	₹10.37
Other comprehensive income — detail
	133	−25.3	167	37.7	47.2	−79.8	−149	101	−92.2	−1.1	−17.5	−46.1
	0.0	−3.5	5.6	3.5	−8.3	−4.6	−3.8	−0.4	−10.2	0.8	−3.1	−0.6
	0.0	−0.9	1.4	0.9	−2.1	−1.2	−1.0	—	—	—	—	—
	—	—	—	—	—	—	—	−0.1	−2.6	0.2	−0.8	−0.2
	177	−29.9	218	46.9	71.3	−102	−195	136	−113	−2.3	−20.2	−61.0
	43.9	−7.2	54.9	11.8	17.9	−25.7	−49.2	—	—	—	—	—
	—	—	—	—	—	—	—	34.1	−28.4	−0.6	−5.1	−15.4
	—	1,631	1,813	1,328	—	1,058	—	1,189	876	946	1,048	826
Per share — as-filed variants
	₹19.09	₹19.43	₹19.33	₹15.29	₹13.78	₹13.53	₹14.98	₹12.95	₹11.52	₹11.27	₹12.68	₹10.40
	₹19.06	₹19.40	₹19.28	₹15.25	₹13.75	₹13.50	₹14.94	₹12.91	₹11.49	₹11.25	₹12.65	₹10.37
Adjusted (ex-exceptional items) — derived
	2,187	2,222	2,142	1,735	1,565	1,531	1,698	1,465	1,304	1,275	1,428	1,157
	1,630	1,656	1,645	1,290	1,160	1,138	1,260	1,088	968	947	1,065	872
	₹19.09	₹19.43	₹19.33	₹15.29	₹13.78	₹13.53	₹14.98	₹12.95	₹11.52	₹11.27	₹12.68	₹10.40

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

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CHOLAFIN₹1,545.20

Cholamandalam Investment and Finance Company Ltd.

· Banking & Finance

Annual Quarterly₹ CrorePeersSHRIRAMFIN SUNDARMFIN UNIONBANK MUTHOOTFIN PFC PNB RECLTD BAJAJHLDNGMcap ₹1.32L Cr

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In ₹ Crore except Per Share 3 Months Ending	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026	Q2 FY27 30/09/2026
Revenue from Operations
+ Interest Income	4,615.6	4,937.8	5,375.0	5,776.1	6,166.8	6,424.0	6,656.0	6,901.4	7,232.4	7,613.5	8,048.1	8,513.2
+ Fees & Commission Income	365.1	429.1	404.5	431.5	438.7	470.2	434.2	489.0	545.9	645.2	594.4	681.7
+ Net Gain on Fair Value Changes	23.1	60.3	32.4	45.5	61.7	56.9	29.1	23.4	17.2	41.7	50.2	35.1
+ Net Gain on Derecognition — Amortised Cost	0.0	0.0	0.0	0.0	65.2	93.9	146.6	76.4	101.3	114.9	161.3	35.8
+ Sale of Services	3.6	0.4	0.4	2.0	0.6	0.5	1.0	1.2	1.4	1.5	2.3	5.1
+ Other Operating Revenue	—	—	—	—	—	—	—	—	—	—	—	123.6
Revenue from Operations	5,007.4	5,427.6	5,812.3	6,255.1	6,733.0	7,045.6	7,266.8	7,491.4	7,898.2	8,416.7	8,856.3	9,394.5
Other Income	47.3	71.6	44.4	67.2	103.8	91.3	86.3	122.0	110.5	146.8	100.4	0.0
Total Income	5,054.8	5,499.2	5,856.8	6,322.3	6,836.8	7,136.9	7,353.1	7,613.4	8,008.7	8,563.5	8,956.7	9,394.5
Expenses
+ Finance Costs	2,441.0	2,579.4	2,796.4	3,058.6	3,274.9	3,364.7	3,468.1	3,517.3	3,645.7	3,753.0	4,007.4	4,334.4
+ Impairment on Financial Instruments	358.8	186.5	581.7	623.5	664.0	625.1	882.3	897.2	910.5	846.3	922.1	874.2
+ Employee Benefit Expense	694.8	775.2	693.9	806.4	893.3	934.2	935.7	1,073.4	1,093.6	1,092.4	1,149.0	1,431.7
+ Depreciation & Amortisation	45.8	75.2	59.0	62.6	59.2	64.1	67.4	71.0	73.8	71.6	75.1	83.2
+ Other Expenses	357.8	454.9	451.4	467.0	480.8	450.7	468.3	489.8	549.9	658.2	581.1	484.0
Total Expenses	3,898.3	4,071.2	4,582.2	5,018.1	5,372.2	5,438.8	5,821.8	6,048.8	6,273.5	6,421.6	6,734.6	7,207.5
Net Interest Income	2,174.6	2,358.4	2,578.6	2,717.6	2,891.9	3,059.4	3,187.9	3,384.1	3,586.7	3,860.5	4,040.7	4,178.8
Pre-provision Operating Profit (derived)	1,515.3	1,614.5	1,856.2	1,927.7	2,128.6	2,323.3	2,413.6	2,461.9	2,645.6	2,988.3	3,144.1	3,061.3
Profit
PBT before Exceptional Items	1,156.5	1,428.0	1,274.5	1,304.2	1,464.6	1,698.1	1,531.3	1,564.7	1,735.1	2,142.0	2,222.1	2,187.1
Pretax Income	1,156.5	1,428.0	1,274.5	1,304.2	1,464.6	1,698.1	1,531.3	1,564.7	1,735.1	2,142.0	2,222.1	2,187.1
+ Current Tax	361.6	263.3	357.1	385.9	471.1	512.5	440.8	457.2	549.3	566.5	652.5	634.7
+ Deferred Tax	-77.2	115.6	-29.2	-48.8	-93.7	-73.5	-46.7	-50.9	-103.5	-68.6	-85.2	-76.7
Tax Expense	284.4	378.9	327.9	337.1	377.4	439.0	394.2	406.3	445.8	497.9	567.3	558.0
+ Share of Associates & JVs	-0.1	16.2	0.5	0.7	1.1	0.4	0.7	1.3	0.6	1.1	1.5	1.3
Net Income	872.0	1,065.2	947.2	967.8	1,088.2	1,259.5	1,137.8	1,159.6	1,290.0	1,645.2	1,656.2	1,630.3
+ Net Income — Continuing Ops	872.1	1,049.0	946.6	967.1	1,087.1	1,259.1	1,137.1	1,158.4	1,289.4	1,644.1	1,654.7	1,629.0
+ Other Comprehensive Income	-46.1	-17.5	-1.1	-92.2	101.1	-148.9	-79.8	47.2	37.7	167.4	-25.3	133.3
Total Comprehensive Income	825.9	1,047.8	946.0	875.6	1,189.3	1,110.6	1,058.0	1,206.8	1,327.7	1,812.6	1,630.9	1,763.6
Net Income to Common	872.0	1,065.2	947.2	967.8	1,088.2	1,259.5	1,137.8	—	1,290.0	1,645.2	1,656.2	1,763.6
Per Share
Basic EPS	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43	19.09
Diluted EPS	10.37	12.65	11.25	11.49	12.91	14.94	13.50	13.75	15.25	19.28	19.40	19.06
Other Comprehensive Income — detail
+ Other Comprehensive Income	-46.1	-17.5	-1.1	-92.2	101.1	-148.9	-79.8	47.2	37.7	167.4	-25.3	133.3
+ Items NOT to be Reclassified to P&L	-0.6	-3.1	0.8	-10.2	-0.4	-3.8	-4.6	-8.3	3.5	5.6	-3.5	0.0
+ Tax on Items NOT to be Reclassified	—	—	—	—	—	-1.0	-1.2	-2.1	0.9	1.4	-0.9	0.0
+ Tax on Items NOT to be Reclassified — alt tag	-0.2	-0.8	0.2	-2.6	-0.1	—	—	—	—	—	—	—
+ Items to be Reclassified to P&L	-61.0	-20.2	-2.3	-113.0	135.6	-195.3	-102.1	71.3	46.9	218.2	-29.9	177.2
+ Tax on Items to be Reclassified	—	—	—	—	—	-49.2	-25.7	17.9	11.8	54.9	-7.2	43.9
+ Tax on Items to be Reclassified — alt tag	-15.4	-5.1	-0.6	-28.4	34.1	—	—	—	—	—	—	—
Comprehensive Income — Owners of Parent	825.9	1,047.8	946.0	875.6	1,189.3	—	1,058.0	—	1,327.7	1,812.6	1,630.9	—
Per Share — as-filed variants
Basic EPS — Continuing Operations	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43	19.09
Diluted EPS — Continuing Operations	10.37	12.65	11.25	11.49	12.91	14.94	13.50	13.75	15.25	19.28	19.40	19.06
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	1,156.5	1,428.0	1,274.5	1,304.2	1,464.6	1,698.1	1,531.3	1,564.7	1,735.1	2,142.0	2,222.1	2,187.1
Net Income Adj (tax-effected)	872.0	1,065.2	947.2	967.8	1,088.2	1,259.5	1,137.8	1,159.6	1,290.0	1,645.2	1,656.2	1,630.3
EPS Adj	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43	19.09
Other Filed Concepts — mapped but not yet placed in the schedule
Face Value	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00
Filed Debt Equity	7.00	7.00	7.00	7.00	7.00	7.40	7.33	7.23	7.17	6.93	6.86	6.72
Paid Up Equity Capital	168.0	168.1	168.1	168.2	168.2	168.3	168.3	168.4	168.9	170.5	170.6	171.6

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: Q2 FY27 · ConsolidatedFA Financial Analysis · alphave

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%.

Cholamandalam Finance Q2 FY27 results (July–September 2026)

Filed with NSE on Wednesday, 28 October 2026 at 1:26 pm IST

Cholamandalam Investment and Finance (NSE: CHOLAFIN) reported its Q2 FY27 results (July–September 2026) on Wednesday, 28 October 2026 at 1:26 pm IST. Consolidated net profit attributable to shareholders was ₹1,764 crore, up 52.1% from ₹1,160 crore in Q2 FY26 and up 6.5% from ₹1,656 crore in Q1 FY27. Revenue from operations was ₹9,395 crore, up 25.4% year on year and up 6.1% from the previous quarter.

Q3 FY27 results due by: 14 February 2027

Q2 FY27 at a glance · consolidated

Net profit (shareholders'): ₹1,764 Cr+52.1% vs Q2 FY26+6.5% vs Q1 FY27Total incl. minority interest ₹1,630 Cr
Revenue from operations: ₹9,395 Cr+25.4% vs Q2 FY26+6.1% vs Q1 FY27
Earnings per share (basic): ₹19.09+38.5% vs Q2 FY26−1.7% vs Q1 FY27
Net profit margin: 18.8%+3.3 pts vs Q2 FY26+0.1 pts vs Q1 FY27

Questions

What was Cholamandalam Finance's net profit in Q2 FY27?

Consolidated net profit attributable to shareholders was ₹1,764 crore, up 52.1% from ₹1,160 crore in Q2 FY26 and up 6.5% from ₹1,656 crore in Q1 FY27. Including the minority shareholders' share, total profit was ₹1,630 crore.

What was Cholamandalam Finance's net profit in the first half of FY27?

Consolidated net profit attributable to shareholders for the first half of FY27 (April–September 2026) was ₹3,420 crore, up 48.9% from ₹2,297 crore in the same months a year earlier. Revenue from operations was ₹18,251 crore, up 23.7%.

What is Cholamandalam Finance's net profit margin?

Cholamandalam Finance's net profit margin was 18.8% in Q2 FY27 (net profit attributable to shareholders as a share of revenue from operations), against 15.5% in Q2 FY26 (up 3.3 percentage points). For FY26 as a whole it was 16.8%.

What was Cholamandalam Finance's revenue in Q2 FY27?

Revenue from operations was ₹9,395 crore, up 25.4% year on year and up 6.1% from the previous quarter.

What was Cholamandalam Finance's EPS in Q2 FY27?

Basic earnings per share were ₹19.09, against ₹13.78 in Q2 FY26.

When did Cholamandalam Finance announce its Q2 FY27 results?

On Wednesday, 28 October 2026 at 1:26 pm IST, in its results filing to the stock exchanges.

How were Cholamandalam Finance's Q2 FY27 results?

Both grew from a year earlier: net profit was up 52.1% at ₹1,764 crore and revenue was up 25.4% at ₹9,395 crore. Against Q1 FY27, net profit was up 6.5% and revenue up 6.1%.

What was Cholamandalam Finance's net profit in FY26?

Consolidated net profit attributable to shareholders was ₹5,233 crore in FY26 (April 2025–March 2026), up 22.8% from ₹4,263 crore in FY25. It was ₹3,420 crore in FY24 and ₹2,665 crore in FY23: up 96.4% over three years, 25.2% a year on average.

What was Cholamandalam Finance's revenue in FY26?

Revenue from operations was ₹31,073 crore in FY26 (April 2025–March 2026), up 20.2% from ₹25,846 crore in FY25. It was ₹19,140 crore in FY24 and ₹12,884 crore in FY23: up 141.2% over three years, 34.1% a year on average.

How has Cholamandalam Finance's profit changed over the last four quarters?

Net profit attributable to shareholders by quarter: ₹1,290 crore in Q3 FY26, ₹1,645 crore in Q4 FY26, ₹1,656 crore in Q1 FY27 and ₹1,764 crore in Q2 FY27. That is ₹6,355 crore over the four quarters, up 36.8% from ₹4,645 crore in the four quarters before. Revenue from operations: ₹7,898 crore, ₹8,417 crore, ₹8,856 crore and ₹9,395 crore.

When will Cholamandalam Finance announce its Q3 FY27 results?

Q3 FY27 covers October–December 2026. Listed companies must publish quarterly results within 45 days of the quarter's end (SEBI listing rules, Regulation 33), so the results are due by 14 February 2027. The company tells the exchanges the date of the board meeting at least two working days before it.

Where do these Cholamandalam Finance figures come from?

From Cholamandalam Investment and Finance's own consolidated results filings to NSE, in ₹ crore as filed (Q2 FY27 on 28 October 2026). Growth compares the same consolidated figures a year and a quarter earlier.

Consolidated figures from the company's filings to NSE. Every company's results dates this season are in the Q2 FY27 results calendar, part of Alpha Plus.