₹1,800.95
▲ +48.37 +2.76%
29 Jul 2026
BSE Listed · Finance
Cholamandalam Investment & Finance Company Ltd. (511243)
Volume: 1,56,553Avg Vol 1W: 85,812Avg Vol 1M: 56,97052W Range:₹1,299.8₹1,874.65
Key Ratios
Checked 1h agoMarket Cap₹1,54,087 Cr
Current Price₹1,800.95
Previous Close₹1,752.58
High / Low (52w)₹1,874.65 / ₹1,299.8
Volume1,56,553
Avg Vol (1W)85,812
Avg Vol (1M)56,970
Stock P/E93.51
Book Value₹357.33
Dividend Yield0.13%
ROE17.18%
ROA2.13%
Revenue (TTM)—
Revenue Growth—
Profit Margin16.84%
Total Debt₹0 Cr
Shares Outstanding85 Cr
Face Value₹2
EPS (TTM)₹19.33
P/B5.06
Debt / Equity6.93
50 DMA₹1,675.14
200 DMA₹1,653.86
Day change+2.76%
Price Chart
₹1,800.95▲ 21.27% · 1Y
2025-07-292026-07-29
20-day avg volume: 56K shares
Pros
- Healthy return on equity of 17.2%.
- Company is almost debt-free.
Cons
- Stock trades at a high P/E of 94.
Quarterly Results
| Metric | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹968 Cr | ₹1,088 Cr | ₹1,260 Cr | ₹1,138 Cr | ₹1,160 Cr | ₹1,290 Cr | ₹1,645 Cr | ₹1,656 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2025 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹26,153 Cr | — | — | — | — | — | ₹31,539 Cr | — |
| EBITDA | ₹5,741 Cr | — | — | — | — | — | ₹6,973 Cr | — |
| Net Profit | ₹4,263 Cr | ₹1,267 Cr | ₹1,136 Cr | ₹1,155 Cr | ₹1,288 Cr | ₹1,641 Cr | ₹5,233 Cr | ₹1,654 Cr |
| EPS | 50.6 | — | — | — | — | — | 61.83 | — |
Balance Sheet
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹57,490 Cr | ₹64,058 Cr | ₹74,644 Cr | ₹82,479 Cr | ₹1,13,627 Cr | ₹1,56,686 Cr | ₹2,01,887 Cr | ₹2,45,448 Cr |
| Total Liabilities | ₹51,281 Cr | ₹55,859 Cr | ₹65,044 Cr | ₹70,710 Cr | ₹99,281 Cr | ₹1,37,093 Cr | ₹1,78,218 Cr | ₹2,14,990 Cr |
| Equity | ₹6,209 Cr | ₹8,200 Cr | ₹9,600 Cr | ₹11,769 Cr | ₹14,346 Cr | ₹19,593 Cr | ₹23,669 Cr | ₹30,458 Cr |
| Total Debt | — | — | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating | ₹-4,973 Cr | ₹2,999 Cr | ₹-3,953 Cr | ₹-868 Cr | ₹-21,185 Cr | ₹-26,074 Cr | ₹-19,556 Cr | ₹-14,826 Cr |
| Investing | ₹-11 Cr | ₹-54 Cr | ₹-1,572 Cr | ₹1,640 Cr | ₹-2,148 Cr | ₹-2,855 Cr | ₹-2,948 Cr | ₹-2,554 Cr |
| Financing | ₹12,191 Cr | ₹2,452 Cr | ₹8,516 Cr | ₹5,150 Cr | ₹27,466 Cr | ₹38,471 Cr | ₹39,795 Cr | ₹35,610 Cr |
| Free Cash Flow | ₹-4,973 Cr | ₹2,999 Cr | ₹-3,953 Cr | ₹-868 Cr | ₹-21,185 Cr | ₹-26,074 Cr | ₹-19,556 Cr | ₹-14,826 Cr |
Shareholding
Promoter 49.22% Institutions 45.07% Public 5.7%
Efficiency & Working Capital
ROCE10.3%
Interest Coverage1.5
Dividend Payout—
Debtor Days4 d
Inventory Days0 d
Payable Days2 d
Cash Conversion Cycle1 d
Working Capital Days4 d
Shareholding Details
As of 2026-06-30
Promoter49.2%
FII24.5%
DII20.6%
Institutions45.1%
Public5.7%
Promoter Pledge0%
No. of Shareholders1,51,219
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 51.4% | 50.4% | 50.4% | 50.3% | 50.2% | 49.9% | 49.9% | 49.9% | 49.9% | 49.7% | 49.3% | 49.2% |
| FIIs | 21.5% | 24.7% | 26% | 26.6% | 27.2% | 27.4% | 28.2% | 28% | 26.9% | 26.6% | 24.9% | 24.5% |
| DIIs | 20% | 18.4% | 17% | 16.9% | 16.6% | 16.1% | 15.5% | 16.1% | 17.3% | 17.6% | 19.9% | 20.6% |
| Public | 7% | 6.5% | 6.6% | 6.2% | 6% | 6.5% | 6.4% | 6.1% | 6% | 6.2% | 6% | 5.7% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 1,46,815 | 1,40,636 | 1,55,055 | 1,43,097 | 1,46,889 | 1,76,231 | 1,78,471 | 1,83,933 | 1,65,068 | 1,70,050 | 1,60,428 | 1,51,219 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202603 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Cholamandalam Financial Holdings Limited | Shareholding of Promoter and Promoter Group | 43.7% | 37.29 Cr |
| Ambadi Investments Limited | Shareholding of Promoter and Promoter Group | 4% | 3.37 Cr |
| Nps Trust A/c (through Multiple Schemes) | Public Shareholding | 2.8% | 2.36 Cr |
| Sbi Nifty 500 Index Fund A/c (through Multiple Schemes) | Public Shareholding | 2% | 1.71 Cr |
| Axis Mutual Fund Trustee Ltd. A/c (through Multiple Schemes) | Public Shareholding | 2% | 1.69 Cr |
| Kotak Mahindra Trustee Co Ltd A/c (through Multiple Schemes) | Public Shareholding | 1.4% | 1.19 Cr |
| Government Pension Fund Global | Public Shareholding | 1.4% | 1.18 Cr |
| Icici Prudential Mutual Fund A/c (through Multiple Schemes) | Public Shareholding | 1.3% | 1.09 Cr |
| Hdfc Trustee Company Ltd A/c (through Multiple Schemes) | Public Shareholding | 1.2% | 1.04 Cr |
| Invesco India Focused Fund (through Multiple Schemes) | Public Shareholding | 1.1% | 90,46,737 |
| M.a.alagappan | Shareholding of Promoter and Promoter Group | 0.3% | 24,88,760 |
| Shambho Trust (m V Subbiah & S Vellayan,trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.2% | 13,50,284 |
| Arun Alagappan | Shareholding of Promoter and Promoter Group | 0.1% | 8,65,000 |
| Saraswathi Trust (m V Subbiah, S Vellayan & M V Seetha Subbiah, Trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.1% | 7,79,785 |
| Ar Lakshmi Achi Trust | Shareholding of Promoter and Promoter Group | 0.1% | 4,77,145 |
| Lakshmi Ramaswamy Family Trust(a A Alagammai & Lakshmi Ramaswamy Trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0.1% | 5,50,630 |
| A Venkatachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,93,990 |
| V Narayanan | Shareholding of Promoter and Promoter Group | 0.1% | 4,64,082 |
| V Arunachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,52,598 |
| Arun Venkatachalam | Shareholding of Promoter and Promoter Group | 0.1% | 4,10,750 |
| M.a.alagappan (holds Shares In The Capacity Of Partner Of Kadamane Estates - Firm) | Shareholding of Promoter and Promoter Group | 0% | 3,55,850 |
| Pranav Alagappan | Shareholding of Promoter and Promoter Group | 0% | 3,11,440 |
| Valli Annamalai | Shareholding of Promoter and Promoter Group | 0% | 2,96,890 |
| M V Seetha Subbiah Benefit Trust (m V Subbiah & S Vellayan, Trustees Holds Shares For Trust) | Shareholding of Promoter and Promoter Group | 0% | 2,64,000 |
| Ambadi Enterprises Ltd | Shareholding of Promoter and Promoter Group | 0% | 2,91,380 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Vellayan Subbiah | Executive Chairman & WTD | 2026 |
| N Ramesh Rajan | Independent Non Exe. Director | 2026 |
| Bhama Krishnamurthy | Independent Non Exe. Director | 2026 |
| Arunachalam Murugappa Arunachalam Murugappan | Non Executive Director | 2026 |
| Anand Kumar | Independent Non Exe. Director | 2026 |
| M R Kumar | Independent Non Exe. Director | 2026 |
| Ramkumar Ramamoorthy | Independent Non Exe. Director | 2026 |
| Ravindra Kumar Kundu | Managing Director & CEO | 2026 |
| P Sujatha | Company Sec. & Compli. Officer | 2026 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Vehicle finance | ₹16,335 Cr | 54.3% |
| Home equity | ₹5,986 Cr | 19.9% |
| Home Loans | ₹3,174 Cr | 10.6% |
| Others | ₹4,562 Cr | 15.2% |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2026 | ₹2 | 240 | 171 | 170 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-07-28 | Board Meetings | — |
| forthcoming | 2026-07-21 | Dividend (0.7/- per share) | Final |
| dividend | 2026-07-21 | ₹0.7 (35%) | Final |
| dividend | 2026-02-05 | ₹1.3 (65%) | Interim |
| dividend | 2025-07-24 | ₹0.7 (35%) | Final |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2026 | 511 | 0 | 68 | 2 | 797 | 1,456 |
| 2026 | 44 | 0 | 63 | 2 | 13 | 123 |
| 2026 | 146 | 0 | 2 | 0 | 774 | 996 |
Insider / Designated-Person Trades
30 recent disclosure(s)
Lakshmi Ramaswamy Family TrustPledge · 1,25,000
R ChandrasekarDisposal · 56,000
R ChandrasekarRevoke · 56,000
Reji AbrahamDisposal · 3,200
Vijay Kini MPledge · 10,000
Vijay Kini MAcquisition · 20,000
Substantial Acquisitions (SAST)
1 disclosure(s)
Market13/11/2024 · 1,99,177
Company Information
Incorporated1978
ChairmanVellayan Subbiah
AuditorB K Khare & Co/KKC & Associates LLP
Investor Email[email protected]
📍 Dare House No 2 N S C Bose Rd, Parrys, Chennai, Tamil Nadu, 600001
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