alphaveCHOLAFIN₹1,859.90

Cholamandalam Investment and Finance Company Ltd.

Annual Quarterly₹ CrorePeersSHRIRAMFIN SUNDARMFIN UNIONBANK MUTHOOTFIN PFC PNB RECLTD BAJAJHLDNGMcap ₹1.59L Cr

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In ₹ Crore except Per Share 12 Months Ending	Q2 FY24 30/09/2023	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
Revenue from Operations	4,622.6	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
Other Income	72.6	47.3	71.6	44.4	67.2	103.8	91.3	86.3	122.0	110.5	146.8	100.4
Total Income	4,695.2	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
Expenses
+ Employee Benefit Expense	637.4	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
+ Finance Costs	2,204.2	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
+ Depreciation & Amortisation	38.5	45.8	75.2	59.0	62.6	59.2	64.1	67.4	71.0	73.8	71.6	75.1
+ Other Expenses	350.1	357.8	454.9	451.4	467.0	480.8	450.7	468.3	489.8	549.9	658.2	581.1
Total Expenses	3,630.1	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
EBITDA	3,235.1	3,595.9	4,010.9	4,085.4	4,358.2	4,694.9	5,035.6	4,980.5	5,031.0	5,344.2	5,819.8	6,204.1
EBIT	3,196.6	3,550.2	3,935.8	4,026.5	4,295.6	4,635.7	4,971.5	4,913.0	4,959.9	5,270.4	5,748.2	6,129.1
Profit
PBT before Exceptional Items	1,065.0	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
Pretax Income	1,065.0	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
+ Current Tax	322.7	361.6	263.3	357.1	385.9	471.1	512.5	440.8	457.2	549.3	566.5	652.5
+ Deferred Tax	-33.8	-77.2	115.6	-29.2	-48.8	-93.7	-73.5	-46.7	-50.9	-103.5	-68.6	-85.2
Tax Expense	288.8	284.4	378.9	327.9	337.1	377.4	439.0	394.2	406.3	445.8	497.9	567.3
+ Share of Associates & JVs	-3.3	-0.1	16.2	0.5	0.7	1.1	0.4	0.7	1.3	0.6	1.1	1.5
Net Income	772.9	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
+ Net Income — Continuing Ops	776.2	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
+ Other Comprehensive Income	0.2	-46.1	-17.5	-1.1	-92.2	101.1	-148.9	-79.8	47.2	37.7	167.4	-25.3
Total Comprehensive Income	773.1	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
Net Income to Common	772.9	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
Per Share
Basic EPS	9.40	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43
Diluted EPS	9.37	10.37	12.65	11.25	11.49	12.91	14.94	13.50	13.75	15.25	19.28	19.40
Revenue Detail — as filed
+ Sale of Services	10.2	3.6	0.4	0.4	2.0	0.6	0.5	1.0	1.2	1.4	1.5	2.3
+ Fees & Commission Income	356.1	365.1	429.1	404.5	431.5	438.7	470.2	434.2	489.0	545.9	645.2	594.4
+ Net Gain on Fair Value Changes	33.5	23.1	60.3	32.4	45.5	61.7	56.9	29.1	23.4	17.2	41.7	50.2
+ Net Gain on Derecognition — Amortised Cost	0.0	0.0	0.0	0.0	0.0	65.2	93.9	146.6	76.4	101.3	114.9	161.3
Expense Detail — as filed
+ Impairment on Financial Instruments	399.9	358.8	186.5	581.7	623.5	664.0	625.1	882.3	897.2	910.5	846.3	922.1
Other Comprehensive Income — detail
+ Other Comprehensive Income	0.2	-46.1	-17.5	-1.1	-92.2	101.1	-148.9	-79.8	47.2	37.7	167.4	-25.3
+ Items NOT to be Reclassified to P&L	-21.0	-0.6	-3.1	0.8	-10.2	-0.4	-3.8	-4.6	-8.3	3.5	5.6	-3.5
+ Tax on Items NOT to be Reclassified	—	—	—	—	—	—	-1.0	-1.2	-2.1	0.9	1.4	-0.9
+ Tax on Items NOT to be Reclassified — alt tag	-1.7	-0.2	-0.8	0.2	-2.6	-0.1	—	—	—	—	—	—
+ Items to be Reclassified to P&L	26.0	-61.0	-20.2	-2.3	-113.0	135.6	-195.3	-102.1	71.3	46.9	218.2	-29.9
+ Tax on Items to be Reclassified	—	—	—	—	—	—	-49.2	-25.7	17.9	11.8	54.9	-7.2
+ Tax on Items to be Reclassified — alt tag	6.6	-15.4	-5.1	-0.6	-28.4	34.1	—	—	—	—	—	—
Comprehensive Income — Owners of Parent	773.1	825.9	1,047.8	946.0	875.6	1,189.3	1,118.5	1,058.0	—	1,327.7	1,812.6	1,630.9
Per Share — as-filed variants
Basic EPS — Continuing Operations	9.40	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43
Diluted EPS — Continuing Operations	9.37	10.37	12.65	11.25	11.49	12.91	14.94	13.50	13.75	15.25	19.28	19.40
Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories)
Gross Profit	4,622.6	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
Gross Margin %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	1,065.0	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
Net Income Adj (tax-effected)	772.9	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
EPS Adj	9.40	10.40	12.68	11.27	11.52	12.95	14.98	13.53	13.78	15.29	19.33	19.43
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	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07
Interest Earned	4,222.9	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
Paid Up Equity Capital	164.6	168.0	168.1	168.1	168.2	168.2	168.3	168.3	168.4	168.9	170.5	170.6

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.

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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%.