Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (NBFC - investment and credit company). It is primarily engaged in the business of financing. Its segments include Vehicle Finance, Loan against property, Home Loans and Other Loans. Vehicle Finance segment provides loans to customers against purchase of new/used vehicles, tractors, construction equipments and loans to automobile dealers. Loan against property segment provides loans to customers against immovable property. Home Loans segment includes loans given for acquisition/construction of residential property and loans against the residential/commercial property. Other Loans segment consists of consumer and small enterprise loans, secured business and personal loans and SME loans. It has a license to act as a composite corporate agent for solicitation and procurement of insurance business for life insurers, general insurers and health insurers as specified under IRDAI Regulations.

Employees

38,235

Sector

Consumer Lending

Calendar

2025-02-03 - Q3 2025 Earnings Release (Projected)

More about the company

Quotes

Date	Price	Change	Volume
24-12-10	1,336.75 ₹	+4.25%	44,970
24-12-09	1,282.20 ₹	+0.54%	20,869
24-12-06	1,275.25 ₹	-1.30%	29,217
24-12-05	1,292.05 ₹	-0.07%	28,672
24-12-04	1,292.95 ₹	+3.03%	32,114

Delayed Quote Bombay S.E., December 10, 2024 at 05:18 am EST

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Income Statement and Estimates

income-statement-evolution-chart CHOLAMANDALAM-INVESTMENT-

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Ratings

Trading Rating

Investor Rating

ESG Refinitiv

C+

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Profit revisions

estimates-change-chart CHOLAMANDALAM-INVESTMENT-

Estimate revisions

Quarterly revenue - Rate of surprise

quality-estimates-chart CHOLAMANDALAM-INVESTMENT-

Company calendar

Market Closed - Bombay S.E. Other stock markets 05:18:47 2024-12-10 am EST			5-day change	1st Jan Change
1,336.75 ^INR	+4.25%		+7.00%	+6.07%

Oct. 29	Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,690 From INR1,800, Keeps at Buy	MT
Oct. 29	Nomura Upgrades Cholamandalam Investment and Finance to Neutral From Reduce; Price Target is INR1,300	MT

Capitalization	1,124B 13.24B 12.61B 11.68B 10.39B 18.76B 20.79B 145B 53.7B 461B 49.72B 48.65B 2,014B	P/E ratio 2025 *	26.3x	P/E ratio 2026 *	20.3x
Enterprise value	2,785B 32.82B 31.23B 28.94B 25.74B 46.47B 51.5B 360B 133B 1,143B 123B 121B 4,990B	EV / Sales 2025 *	21x	EV / Sales 2026 *	18.9x
Free-Float	49.78%	Yield 2025 *	0.17%	Yield 2026 *	0.23%

Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,690 From INR1,800, Keeps at Buy	Oct. 29	MT
Nomura Upgrades Cholamandalam Investment and Finance to Neutral From Reduce; Price Target is INR1,300	Oct. 29	MT
Cholamandalam Investment and Finance Company Limited, H1 2025 Earnings Call, Oct 28, 2024	Oct. 28
Cholamandalam Investment and Finance Company Limited Announces Management Changes, Effective November 5, 2024	Oct. 25	CI
Cholamandalam Investment and Finance Company Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2024	Oct. 25	CI
Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,800 From INR1,685, Keeps at Buy	Sep. 12	MT
Nomura Adjusts Cholamandalam Investment and Finance's Price Target to INR1,300 From INR1,200, Keeps at Reduce	Sep. 12	MT
Cholamandalam Investment and Finance Company Limited Approves Appointment of Ravindra Kumar Kundu as Managing Director	Sep. 09	CI
Cholamandalam Investment and Finance Company Limited Appoints Ramkumar Ramamoorthy as an Independent Director	Sep. 09	CI
Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,685 From INR1,525, Keeps at Buy	Jul. 30	MT
Nomura Adjusts Cholamandalam Investment and Finance's Price Target to INR1,200 From INR1,150, Keeps at Reduce	Jul. 30	MT
Cholamandalam Investment and Finance Company Limited, Q1 2025 Earnings Call, Jul 29, 2024	Jul. 29
Cholamandalam Investment and Finance Raises INR5 Billion via Bond Sale	Jul. 26	MT

Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,690 From INR1,800, Keeps at Buy	Oct. 29	MT
Nomura Upgrades Cholamandalam Investment and Finance to Neutral From Reduce; Price Target is INR1,300	Oct. 29	MT
Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,800 From INR1,685, Keeps at Buy	Sep. 12	MT
Nomura Adjusts Cholamandalam Investment and Finance's Price Target to INR1,300 From INR1,200, Keeps at Reduce	Sep. 12	MT
Jefferies Adjusts Cholamandalam Investment and Finance's Price Target to INR1,685 From INR1,525, Keeps at Buy	Jul. 30	MT

Cholamandalam Investment and Finance Company Limited Stock

Equities

CHOLAFIN

INE121A01024

Consumer Lending

Valuation: Cholamandalam Investment and Finance Company Limited

Chart: Cholamandalam Investment and Finance Company Limited

Latest news: Cholamandalam Investment and Finance Company Limited

Last Transcript: Cholamandalam Investment and Finance Company Limited

Analysts' recommendations: Cholamandalam Investment and Finance Company Limited

Press Releases: Cholamandalam Investment and Finance Company Limited

Quotes and Performance

Course Extremes

Managers and Directors: Cholamandalam Investment and Finance Company Limited

Other Consumer Lending

Financials

Company Profile

Quotes

Income Statement and Estimates

Ratings

Quarterly revenue - Rate of surprise

Cholamandalam Investment and Finance : Outcome of the 46th AGM	Jul. 26	PU
Cholamandalam Investment and Finance : Draft Annual Return 2023-24	Jul. 07	PU
Cholamandalam Investment and Finance : 45th AGM Presentation	23-08-02	PU
Cholamandalam Investment and Finance : Call Transcript Q1-FY-2024 Aug 02, 2023	23-08-01	PU
Cholamandalam Investment and Finance : Tranche II Prospectus dated July 27, 2023 (Final filed with SE)	23-07-26	PU

1 day	+4.25%
1 week	+7.00%
Current month	+8.27%
1 month	+6.08%
3 months	-13.07%
6 months	-0.18%
Current year	+6.07%

Director	Title	Age	Since
Ravindra Kumar Kundu CEO	Chief Executive Officer	56	2024-10-06
D. Arul Selvan DFI	Director of Finance/CFO	61	2014-03-31
Sujatha Pangurayirath CMP	Compliance Officer	57	2011-02-26

Manager	Title	Age	Since
Ramesh Rajan Natarajan BRD	Director/Board Member	67	2018-10-29
Ravindra Kumar Kundu BRD	Director/Board Member	56	2020-01-22
Bhama Krishnamurthy BRD	Director/Board Member	70	2019-07-30

	2025 *	2026 *
Net sales	132B 1.56B 1.49B 1.38B 1.22B 2.21B 2.45B 17.14B 6.33B 54.39B 5.86B 5.73B 237B	166B 1.96B 1.86B 1.73B 1.54B 2.77B 3.07B 21.49B 7.93B 68.19B 7.35B 7.19B 298B
Net income	42.54B 501M 477M 442M 393M 710M 787M 5.51B 2.03B 17.47B 1.88B 1.84B 76.23B	55.81B 658M 626M 580M 516M 931M 1.03B 7.22B 2.67B 22.91B 2.47B 2.42B 100B
Net Debt	1,661B 19.57B 18.63B 17.26B 15.35B 27.72B 30.72B 215B 79.35B 682B 73.48B 71.89B 2,976B	2,019B 23.8B 22.65B 20.99B 18.67B 33.7B 37.35B 261B 96.48B 829B 89.34B 87.41B 3,619B

Add to a list Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5d. change	1-year change	3-years change	Capi. ($)
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	+4.25%	+7.00%	+14.53%	+131.43%	12.7B
BAJAJ FINANCE LIMITED	+0.99%	+4.29%	-5.08%	-6.78%	50.02B
BAJAJ FINSERV LTD.	+1.61%	+4.18%	-2.73%	-5.47%	30.75B
SYNCHRONY FINANCIAL	-1.56%	-0.33%	+89.49%	+39.63%	26.45B
ORIX CORPORATION	+0.27%	-3.18%	+27.23%	+50.51%	25.49B
JIO FINANCIAL SERVICES LIMITED	-0.52%	+1.64%	+37.20%	-	25.22B
SOFI TECHNOLOGIES, INC.	-1.80%	-3.90%	+88.07%	-2.36%	16.9B
BAJAJ HOUSING FINANCE LIMITED	-1.77%	+4.02%	-	-	14B
SHRIRAM FINANCE LIMITED	+2.80%	+2.94%	+56.76%	+113.43%	13.74B
MUTHOOT FINANCE LIMITED	+2.11%	+5.05%	+41.13%	+34.70%	9.42B
Average	+0.88%	+1.24%	+38.51%	+44.39%	22.47B
Weighted average by Cap.	+0.66%	+1.25%	+30.85%	+28.81%