Track Cholamandalam Investment and Finance live share price with 52 week high and low, chart views, quick fundamentals, financial statements, ratios, peer comparison, dividends, bonuses/splits and customer-focused company details.
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Cholamandalam Investment and Finance Company Ltd is a diversified Indian non-banking financial company and part of the Murugappa Group. The company is commonly known as Chola Finance and serves retail, rural, semi-urban, self-employed and small business customers through secured and asset-backed lending products.
The business started with a strong vehicle finance identity and has expanded into loan against property, home loans, SME loans, consumer and small enterprise loans, secured business loans, gold loans and other related financial products. This makes the company useful to customers who need financing for vehicles, property-backed borrowing, business expansion or household financial requirements.
For investors, the key monitorables include assets under management, disbursement growth, net interest margin, credit cost, gross and net stage 3 assets or NPA trend, provision coverage, capital adequacy, return on assets, return on equity, borrowing cost and the company’s ability to scale newer segments without weakening asset quality.
Use the live price and chart to understand market movement, use quick fundamentals to understand valuation, use profit and loss to track income and profit growth, use balance sheet to understand borrowing-funded loan-book expansion and use shareholding and corporate action sections to monitor ownership and investor events. None of these sections should be used as a standalone buy or sell signal.
Chola Finance earns money mainly by borrowing funds and lending them to customers at a higher rate. The spread between lending yield and borrowing cost, after credit costs and operating expenses, is a major driver of profitability. Because the company lends to vehicle buyers, property owners, small businesses and other borrowers, collections and underwriting discipline are important.
The company’s customer relationships are built around practical financing needs such as buying a commercial vehicle, purchasing a car or two-wheeler, borrowing against property, financing business assets or using secured credit for enterprise needs. For retail investors, this means the company should be evaluated as a lending business where growth quality matters as much as growth speed.
Important business drivers include product mix, branch productivity, digital servicing, collection efficiency, cost of funds, collateral values, borrower cash flows, macroeconomic cycles and regulatory changes affecting NBFCs.
The table below explains the major customer-facing lending areas in simple language. Segment contribution can change over time, so investors should verify the latest AUM mix, disbursement mix and segment results from quarterly investor presentations and exchange filings.
| Segment | Customer Use Case | Investor Monitorable |
|---|---|---|
| Vehicle Finance | Loans for commercial vehicles, cars, used cars, two-wheelers, three-wheelers, tractors and construction equipment. | Watch vehicle cycle, freight activity, rural cash flows, collections and repossession trends. |
| Loan Against Property | Secured lending where borrowers pledge residential or commercial property as collateral. | Watch loan-to-value, property market risk, collections and asset quality. |
| Home Loans and Home Equity | Housing and shop-related finance through Chola’s housing finance platform and related channels. | Watch spreads, competition, borrower profile and repayment quality. |
| SME and Secured Business Loans | Loans to small and medium enterprises for working capital, expansion, asset purchase and business needs. | Watch underwriting discipline, borrower cash flows and credit cost. |
| Consumer, Small Enterprise and Gold Loans | Smaller-ticket loans, consumer and enterprise credit and gold-backed lending where offered. | Watch growth controls, operating cost, LTV discipline and portfolio seasoning. |
The profit and loss statement shows income, interest cost, expenses and profit. For NBFCs, rising revenue is useful only when margins, credit costs and asset quality remain manageable.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Revenue | ₹19,163 Cr | ₹25,890 Cr | ₹31,073 Cr |
| Interest | ₹9,231 Cr | ₹12,495 Cr | ₹14,384 Cr |
| Expenses | ₹5,385 Cr | ₹7,670 Cr | ₹9,898 Cr |
| Financing Profit | ₹4,548 Cr | ₹5,725 Cr | ₹6,791 Cr |
| Financing Margin | 24% | 22% | 22% |
| Other Income | ₹255 Cr | ₹261 Cr | ₹469 Cr |
| Profit Before Tax | ₹4,605 Cr | ₹5,741 Cr | ₹6,977 Cr |
| Net Profit | ₹3,420 Cr | ₹4,263 Cr | ₹5,233 Cr |
| EPS | ₹40.72 | ₹50.69 | ₹61.41 |
| Dividend Payout | 5% | 4% | 3% |
Financial values are historical reference figures. Please verify the latest audited numbers, quarterly results and restatements from official annual reports and exchange filings.
The balance sheet is especially important for lending companies because borrowings support loan-book growth. Investors should track borrowings, reserves, asset growth, capital adequacy, liquidity and asset-liability maturity profile.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Equity Capital | ₹168 Cr | ₹168 Cr | ₹170 Cr |
| Reserves | ₹19,425 Cr | ₹23,500 Cr | ₹30,288 Cr |
| Borrowings | ₹1,34,475 Cr | ₹1,75,036 Cr | ₹2,11,070 Cr |
| Other Liabilities | ₹2,618 Cr | ₹3,182 Cr | ₹3,920 Cr |
| Total Liabilities | ₹1,56,686 Cr | ₹2,01,887 Cr | ₹2,45,448 Cr |
| Fixed Assets | ₹1,563 Cr | ₹1,780 Cr | ₹1,883 Cr |
| CWIP | ₹13 Cr | ₹11 Cr | ₹28 Cr |
| Investments | ₹4,036 Cr | ₹6,367 Cr | ₹6,646 Cr |
| Other Assets | ₹1,51,075 Cr | ₹1,93,729 Cr | ₹2,36,892 Cr |
| Total Assets | ₹1,56,686 Cr | ₹2,01,887 Cr | ₹2,45,448 Cr |
Borrowings and total assets can change materially after debt issuance, repayments and loan-book growth. Verify the latest balance sheet and notes to accounts from official filings.
Cash flow for an NBFC can look different from a manufacturing company because lending growth often uses cash in operations while financing activities raise borrowings. Negative operating cash flow is not automatically bad for a lender, but it must be understood with AUM growth, borrowing profile, liquidity and asset quality.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Cash from Operating Activity | -₹35,683 Cr | -₹32,413 Cr | -₹30,021 Cr |
| Cash from Investing Activity | -₹2,855 Cr | -₹2,948 Cr | -₹2,554 Cr |
| Cash from Financing Activity | ₹38,471 Cr | ₹39,795 Cr | ₹35,610 Cr |
| Net Cash Flow | -₹66 Cr | ₹4,434 Cr | ₹3,035 Cr |
| Free Cash Flow | -₹36,754 Cr | -₹32,600 Cr | -₹30,263 Cr |
| CFO / Operating Profit | -249% | -169% | -133% |
Ratios help investors compare growth, profitability, return profile and dividend payout across years. For an NBFC, return on equity, return on assets, net interest margin, asset quality and capital adequacy are especially useful.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| ROE | 20% | 20% | 19% |
| Compounded Sales Growth | 10Y: 22% | 5Y: 27% | 3Y: 34% |
| Compounded Profit Growth | 10Y: 25% | 5Y: 28% | 3Y: 25% |
| Stock Price CAGR | 10Y: 25% | 5Y: 26% | 3Y: 14% |
| Dividend Payout | 5% | 4% | 3% |
Peer comparison helps investors understand how Chola Finance differs from other NBFCs and housing finance companies. Use it to compare business model, growth quality, risk profile and valuation, not as a direct recommendation.
| Company | Business Focus | Market Cap / Size View | Valuation Monitorable | Key Investor Monitorable |
|---|---|---|---|---|
| Cholamandalam Investment and Finance | Vehicle finance, LAP, home loans, SME, consumer and gold loans | Large listed NBFC | P/E, P/B, ROE and asset quality | AUM growth, margins, credit cost and diversification |
| Bajaj Finance Ltd | Consumer finance, SME, cards, digital and diversified lending | Large diversified NBFC | P/E, P/B and growth premium | Customer growth, credit cost and digital execution |
| Shriram Finance Ltd | Commercial vehicle finance, two-wheeler finance, MSME and retail lending | Large retail NBFC | P/E, P/B and dividend yield | Vehicle cycle, collections and asset quality |
| Muthoot Finance Ltd | Gold loans and secured lending | Large gold-loan NBFC | P/E, P/B and gold-loan spreads | Gold prices, LTV rules and branch productivity |
| LIC Housing Finance Ltd | Housing finance and mortgage lending | Housing finance company | P/B, ROE and spread | Borrowing cost, asset quality and loan growth |
| Manappuram Finance Ltd | Gold loans, microfinance and other retail lending | Diversified gold-loan NBFC | P/E, P/B and asset quality | Gold lending, MFI stress and credit cost |
Peer valuation metrics change every day with share prices and reported earnings. Verify live peer market cap, P/E, P/B, ROE, asset quality and dividend yield from trusted market data and official filings.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Dividend payout shown at 3% in financial highlights | Verify final dividend amount, record date and payment date from exchange filings |
| FY 2024-25 | Dividend payout shown at 4% in financial highlights | Verify declared dividend per share and eligibility from company announcements |
| FY 2023-24 | Dividend payout shown at 5% in financial highlights | Historical payout is for context and should not be treated as future dividend guidance |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | Check official exchange filings for confirmed bonus history and ratios | Do not rely on third-party summaries for record date or entitlement |
| Stock Split | Check official exchange filings for split history and current face value | Split-adjusted charts and historical prices may differ across data providers |
| Face Value | ₹2.00 shown in commonly available market summaries | Verify latest face value from NSE, BSE or the latest annual report |
Always verify the latest dividend, bonus, split, record date, ex-date and entitlement information from official NSE, BSE and company announcements. Corporate action data can be revised or adjusted by data providers.
These FAQs are written for beginners, customers and retail investors who want to understand Chola Finance beyond the share price, including products, business model, risks, dividends and key monitorables.
Cholamandalam Investment and Finance Company Ltd, often called Chola Finance, is a diversified non-banking financial company in India. It provides lending products such as vehicle finance, loan against property, home loans, SME loans, consumer and small enterprise loans, gold loans and related financial services. Investors should verify the latest company profile from official exchange filings and the company website.
The NSE trading symbol is CHOLAFIN and the Yahoo Finance-compatible NSE symbol used for live chart and quote data is CHOLAFIN.NS. The BSE code is 511243. Always verify symbols from NSE, BSE or the company’s investor relations page before placing any transaction.
Chola Finance offers commercial vehicle loans, car loans, used car loans, two-wheeler loans, three-wheeler loans, construction equipment loans, tractor and farm equipment loans, home loans, loan against property, SME loans, secured business loans, consumer and small enterprise loans, loan against securities and gold loans. Product availability, fees, eligibility and terms can change, so customers should check official product pages before applying.
As an NBFC, the company mainly earns interest income by lending to customers and businesses. It also earns fee and other income from loan processing, insurance distribution, servicing, collections and related financial activities. Profitability depends on disbursement growth, borrowing cost, net interest margin, asset quality, credit cost and operating efficiency.
No. Cholamandalam Investment and Finance is a non-banking financial company, not a bank. An NBFC can provide loans and financial services, but it is regulated differently from a bank and does not provide all banking services such as savings accounts in the same way banks do.
Beginners should understand the company’s business segments, AUM growth, disbursements, asset quality, net interest margin, borrowing cost, capital adequacy, credit cost, return on assets, return on equity, valuation ratios and peer comparison. Share price movement should be studied along with official financial results and exchange filings, not in isolation.
Key risks include slowdown in vehicle or small business lending, higher credit losses, pressure on margins, rising borrowing costs, regulatory changes, weaker collections, regional stress in borrower segments, competition from banks and fintech lenders and execution risk while entering or scaling newer products.
The 52 week high and low show the broad trading range of the share over the past year. They help investors understand whether the current price is near the upper or lower end of recent market history. They do not indicate whether the stock is cheap or expensive by themselves and should be read with fundamentals and valuation ratios.
Cholamandalam Investment and Finance has paid dividends in the past, but dividend amount, record date, payout and eligibility can change every year. Investors should verify the latest dividend details from board meeting outcomes, exchange filings and the company’s investor relations page.
Corporate actions such as bonus issues and stock splits must be verified from official NSE, BSE and company filings. This page includes a corporate action section for reference, but investors should always confirm the latest record dates, ratios and eligibility from official exchange announcements.
NBFC comparison is usually based on product mix, AUM growth, margins, asset quality, credit cost, capital adequacy, return ratios, valuation multiples and distribution strength. Chola Finance has a strong presence in vehicle finance and diversified lending, while peers may have different mixes such as consumer finance, gold loans, housing finance or commercial vehicle finance.
AUM means assets under management. For an NBFC, it broadly indicates the size of the loan book being managed. Growing AUM can support income growth, but investors should also check asset quality, credit cost, margins and capital adequacy because growth without disciplined underwriting can increase risk.
Customers should compare interest rate, processing fee, documentation, repayment tenure, EMI amount, prepayment or foreclosure charges, collateral requirements, insurance terms, penalty charges and grievance redressal process. They should use only official channels and avoid paying money to unauthorised third parties.
Customers can usually use official digital channels, branch support, customer service options and authorised payment methods for EMI and service requests. For the latest EMI payment links, branch details, customer care numbers and grievance process, customers should use the official Chola Finance website or app.
No. This page is educational and informational. It explains live price data, fundamentals, financial highlights, risks and investor monitorables. It does not provide buy, sell or hold recommendations. Investors should do their own research or consult a qualified financial adviser.
