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Home CompaniesCholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
1760.0 INR 102.00 ( 6.15%)
Last update at 2026-11-05T09:45:00Z
VOLUME
3895489
Market Cap
1480292.56M
P/E
31.88

Momentum Score

…

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.

Source: TradingView
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Day Price Range
1702.00
Low
1781.00
High
52 Week Price Range
1168.17
Low
1831.50
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
1658.00
Dividend Yield
0.11%
Revenue TTM
118630.00M
Revenue Per Share
141.06
Gross Profit TTM
118526.80M
Debt / Equity
7.40
ROE
19.62%
Net Debt
1655352.50M
ROCE
2.85%
Diluted EPS TTM
55.02

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 57441.50M 46146.30M 36027.70M 29076.00M 20479.00M
Minority interest 0.00M 0.00M 0.00M 0.00M 0.00M
Net income 42627.00M 34200.60M 26648.50M 21535.10M 15208.60M
Selling general administrative 2082.20M 1666.30M 1432.50M 1213.80M 437.60M
Selling and marketing expenses 232.30M 240.60M 151.00M 129.80M 126.70M
Gross profit 136582.30M 101891.20M 73575.60M 58641.80M 50207.80M
Reconciled depreciation 2448.30M 1980.60M 1210.90M 1006.30M 1023.00M
Ebit 57441.50M 46146.30M -1335.70M -994.50M -995.70M
Ebitda 59889.80M 48126.90M -124.80M 11.80M 27.30M
Depreciation and amortization 2448.30M 1980.60M 1210.90M 1006.30M 1023.00M
Operating income 57441.50M 46146.30M 36152.50M 29010.40M 20446.40M
Other operating expenses 204086.10M 148052.40M 26986.20M 20797.20M 15940.30M
Interest expense 124945.30M 92307.50M 57480.30M 42786.40M 45600.80M
Tax provision 14814.50M 11945.70M 9379.20M 7487.10M 5265.10M
Interest income 237477.40M 176271.10M 120825.80M 95673.50M 92247.70M
Net interest income 112532.10M 83963.60M 63345.50M 52696.90M 46492.30M
Extraordinary items - - - - 0.00M
Income tax expense 14814.50M 11945.70M 9379.20M 7487.10M 5265.10M
Total revenue 261527.60M 194198.70M 73575.60M 58641.80M 50207.80M
Total operating expenses 79140.80M 55744.90M 28932.60M 20765.70M 16502.50M
Cost of revenue 124945.30M 92307.50M 57480.30M 42976.60M 45755.40M
Total other income expense net -24916.10M -13082.80M -124.80M 11.80M 27.30M
Net income from continuing ops 42627.00M 34200.60M 26648.50M 21535.10M 15208.60M
Net income applicable to common shares 42627.00M 34200.60M 26648.50M 21535.10M 15208.60M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 2018867.60M 1566864.10M 1136269.00M 824786.80M 746441.60M
Intangible assets 329.40M 364.40M 526.20M 306.40M 291.10M
Other current assets -29008.60M -5833.50M 21856.50M 751432.70M 675900.60M
Total liab 1782180.70M 1370931.70M 992808.00M 707096.80M 650443.60M
Total stockholder equity 236686.90M 195932.40M 143461.00M 117690.00M 95998.00M
Other current liab -2369.40M -2715680.50M 11759.70M -19.40M -1864.90M
Common stock 1682.50M 1679.90M 1644.80M 1642.80M 1640.70M
Capital stock 1682.50M 1680.60M 1644.80M 1642.80M 1640.70M
Retained earnings 85534.60M 53291.30M 27710.50M 18107.70M 12513.80M
Other liab - - 1425.50M 1039.40M 4740.10M
Good will - 6892.60M - - -
Other assets 2019158.60M -78315.80M 1122520.00M 794840.20M 729264.30M
Cash 95007.50M 43937.30M 30071.00M 38613.80M 44432.20M
Cash and equivalents 47320.50M 5404.10M 8791.70M 25658.10M 15247.10M
Total current liabilities 2369.40M 475873.10M 1310.10M 1256.50M 928.10M
Current deferred revenue - 2712723.60M - - -
Net debt 1655352.50M 1300811.50M 943504.00M 654224.80M 593793.00M
Short term debt 0.00M 475873.10M 0.00M 0.00M 0.00M
Short long term debt total 1750360.00M 1344748.80M 973575.00M 692838.60M 638225.20M
Other stockholder equity 49639.80M 139284.20M 114105.70M 97939.50M 81843.50M
Property plant equipment 17576.90M 15394.50M 4104.30M 2651.80M 2082.60M
Total current assets 76713.70M 43937.30M 9118.50M 26988.40M 14803.60M
Long term investments 69404.50M 46825.70M 41333.50M 25768.00M 22238.10M
Net tangible assets - - 142934.80M 117383.60M 95706.90M
Short term investments - 21575.00M -20952.50M -11625.40M -29628.60M
Net receivables 10714.80M 5833.50M 2023.40M 8220.20M 7441.50M
Long term debt 1178391.90M 869591.70M 630823.30M 691735.00M 637299.90M
Accounts payable 2369.40M 2956.90M 1716.10M 1275.90M 2793.00M
Accumulated other comprehensive income 99830.30M 1677.00M - - -
Non currrent assets other 1908140.80M 1538584.90M -4630.50M -2958.20M -2373.70M
Non current assets total 1942153.90M 1601242.60M 4630.50M 2958.20M 2373.70M
Long term debt total 1183058.30M 872604.70M 630823.30M 691735.00M 397925.10M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -29481.20M -28545.90M -21484.10M 17335.30M -15408.90M
Change to liabilities - - 0.00M 0.00M 0.00M
Total cashflows from investing activities -29481.20M -28545.90M -21484.10M 16395.40M -15722.80M
Net borrowings 400494.20M 367184.00M 276065.10M 52913.60M 87975.10M
Total cash from financing activities 397952.80M 384712.30M 274664.70M 51502.70M 85158.70M
Change to operating activities - - -312014.60M -88077.90M -116509.80M
Net income 42627.00M 34200.60M 36145.90M 29076.00M 20479.00M
Change in cash 44340.10M -662.10M -17869.90M 12184.80M -18983.60M
Begin period cash flow 8456.40M 9118.50M 26988.40M 14803.60M 34845.70M
End period cash flow 52796.50M 8456.40M 9118.50M 26988.40M 15862.10M
Total cash from operating activities -324131.50M -356828.50M -271050.50M -55713.30M -88419.50M
Issuance of capital stock 475.20M 20091.50M 242.70M 230.80M 93.60M
Depreciation 2448.30M 1980.60M 1210.90M 1006.30M 1023.00M
Other cashflows from investing activities -6537.10M -14445.00M -19589.60M 17354.50M -15393.90M
Dividends paid 1681.10M 1667.80M -1643.10M -1641.70M -1065.50M
Change to account receivables 919.50M -2108.40M - - -
Sale purchase of stock 475.20M 20091.50M 802878.00M 298835.70M 671877.30M
Other cashflows from financing activities -1335.50M -895.40M 276307.80M 53144.40M -1844.50M
Change to netincome - - 13104.70M 9823.20M 11858.60M
Capital expenditures 1995.30M 10762.40M 1767.40M 959.10M 328.90M
Change in working capital -395496.90M -408612.50M -312014.60M -88077.90M -116509.80M
Stock based compensation 744.50M 554.00M 284.60M 204.80M 56.40M
Other non cash items 25545.60M 15048.80M 54719.50M 40542.20M 42279.80M
Free cash flow -326126.80M -367590.90M -272817.90M -56672.40M -88748.40M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(INR)
Price
(INR)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CHOLAFIN
Cholamandalam Investment and Finance Company Limited		 102.00
6.15%		 1760.00 31.88 21.28 12.48 5.81 22.46
BAJFINANCE
Bajaj Finance Limited		 75.90
7.64%		 1069.90 33.00 39.37 14.86 5.83 20.06
SHRIRAMFIN
Shriram Finance Limited		 55.15
6.07%		 963.90 18.81 7.62 9.77 3.09 15.18
IRFC
Indian Railway Finance Corporation Limited		 2.11
2.71%		 79.95 23.86 - 23.26 2.96 20.79
MUTHOOTFIN
Muthoot Finance Limited		 129.80
4.79%		 2839.60 21.11 14.01 10.41 4.84 17.95

Profile*

Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.

Chola Crest, C54-55 & Super B-4, Chennai, India, 600032

91 44 4090 7172

https://www.cholamandalam.com

45194

Name Title Year Born
Mr. Ravindra Kumar Kundu Pres, Bus. Head of Vehicle Fin. & Exec. Director 1968
Mr. D. Arul Selvan Chief Financial Officer 1963
Mr. Mahesh Madhukar Waikar VP of Operations 1965
Ms. Pilli Sujatha Compliance Officer & Company Sec. 1968
Mr. Sudhir Rao Head of Marketing and Corp. Communications NA
Mr. R. Chandrasekar VP of HR 1965
Mr. V. Venkatesan B.E., MBA Head of Information Technology and VP 1961
Mr. Shankar Subramanian Chief Risk Officer 1968
J. Sundar Raman Head of Cross Sell and Associate VP 1971
Mr. Rupinder Singh Sr. VP & Bus. Head ? Home Equity 1976

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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