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Cholamandalam Investment and Finance Company (Chola) is the Murugappa group's flagship NBFC, with vehicle finance (commercial vehicles, cars, two-wheelers, used vehicles) as its largest book. It has diversified into loans against property, home loans, SME lending and newer consumer and secured business-loan segments. Earnings are driven by net interest margins on its retail-heavy loan book sourced through an extensive branch network in semi-urban and rural India.
It is among India's largest and most consistently profitable retail NBFCs, with assets under management well above Rs 1.5 lakh crore.
Cholamandalam Investment and Finance Company Ltd. is a constituent of NIFTY 100, NIFTY 200, NIFTY 500, NIFTY FIN SERVICE, NIFTY NEXT 50. See where it sits on the market heatmap →
Consolidated annual figures taken from Cholamandalam Investment and Finance Company Ltd.'s own filed statements — not estimates, and not restated by us. The most recent period shown is FY26 (year ended 31 Mar 2026).
| Metric | FY26 | FY25 | FY24 |
|---|---|---|---|
| EPS (basic, ₹) | 61.98 | 50.72 | 41.17 |
| Book value / share (₹) | 357.33 | 281.35 | 233.17 |
| Return on equity | 17.2% | 18.0% | 17.5% |
| Operating margin | 67.2% | 69.4% | 70.8% |
| Net margin | 16.8% | 16.5% | 17.9% |
| EBITDA | ₹21,175 Cr | ₹18,174 Cr | ₹13,754 Cr |
| Free cash flow | ₹-30,286 Cr | ₹-32,613 Cr | ₹-36,759 Cr |
| Interest coverage | 1.4 | 1.4 | 1.5 |
| Shares outstanding | 85,24,00,000 | 84,12,50,000 | 84,03,00,000 |
Open the full income statement, balance sheet and cash flow for CHOLAFIN →
As disclosed for the quarter ended 30 Jun 2026.
Institutional ownership changes quarter to quarter. See daily FII and DII flows across the market →
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