Cholamandalam Investment and Finance Company Limited

Web: cholamandalam.com NSE: CHOLAFIN BSE: 511243 SECTOR: Financial Services - Finance

1718 10(-1%)

Near 52W High of 1875

Volume

9L as on 22, Jul

Open

1,783

High

1,801

Low

1,770

1,728

VWAP

1,741

52 Week High

1,875

52 Week Low

1,299

Viand Research Rating

Quality Score

62/100

Growth Score

16/100

Valuation Score

60/100

Momentum Score

50/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,46,495

No. of Shares

85.2

P/E

25.33

P/B

6.18

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

18.61

ROCE

Profit Growth

Listing Date

15-May-96

Promoter Holding

49.25%

FII Holding

24.87%

DII Holding

19.91%

Price Chart

Price Performance

1 Week4%

1 Month1%

3 Months10%

6 Months4%

1 Year11%

YTD0%

Moving Average

5 Day SMA1,773

10 Day SMA1,785

20 Day SMA1,793

30 Day SMA1,740

50 Day SMA1,654

61 Day SMA1,647

80 Day SMA1,610

200 Day SMA1,650

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,805	1,767	1,793	1,807
Resistance 2	1,793	1,764	1,782	1,795
Resistance 1	1,776	1,761	1,776	1,779
Pivot Point	1,765	1,759	1,765	1,766
Support 1	1,748	1,756	1,754	1,750
Support 2	1,736	1,754	1,747	1,738
Support 3	1,719	1,751	1,736	1,722

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(-0.51) 49.25%	(-0.21) 49.72%	(0.01) 49.88%	(0.01) 49.90%	(0.01) 49.92%	(-0.31) 49.93%	(-0.11) 50.24%	(0.01) 50.33%	(0.01) 50.35%	(-1.11) 50.37%	(0.01) 51.43%	(0.01) 51.46%	(0.01) 51.47%	(0.01) 51.49%	(0.01) 51.50%	(0.01) 51.52%	(0.01) 51.55%	(0.01) 51.55%	(0.01) 51.57%
FIIs	(-1.71) 24.87%	(-0.31) 26.56%	(-1.11) 26.85%	(-0.31) 27.96%	(0.81) 28.23%	(0.31) 27.43%	(0.51) 27.17%	(0.61) 26.63%	(1.31) 26.00%	(3.21) 24.73%	(0.61) 21.51%	(1.31) 20.92%	(0.31) 19.63%	(0.71) 19.38%	(0.71) 18.69%	(0.41) 17.96%	(0.01) 17.61%	(-0.21) 17.65%	(0.01) 17.88%
DIIs	(2.41) 19.91%	(0.31) 17.54%	(1.21) 17.27%	(0.61) 16.05%	(-0.61) 15.49%	(-0.51) 16.10%	(-0.31) 16.58%	(-0.21) 16.86%	(-1.31) 17.05%	(-1.71) 18.39%	(-0.31) 20.04%	(-1.11) 20.37%	(0.21) 21.45%	(-0.71) 21.24%	(-0.51) 21.92%	(-0.61) 22.41%	(0.21) 23.00%	(0.31) 22.79%	(0.01) 22.54%
Public	5.95%	6.16%	6.00%	6.07%	6.36%	6.56%	6.02%	6.19%	6.61%	6.51%	7.03%	7.25%	7.44%	7.88%	7.90%	8.11%	7.84%	8.00%	8.01%
No. of Shareholders	160,428	170,050	165,068	183,933	178,471	176,231	146,889	143,097	155,055	140,636	146,815	140,546	121,184	130,154	130,833	125,525	120,069	114,309	107,443

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	8417	7898	7491	7267	7046	6733	6255	5812	5410	5007	4623	4100	3741	3356	3017	2770	2605	2557	2496	2482
Sales Growth % (YoY)	19.5%	17.3%	19.8%	25%	30.2%	34.5%	35.3%	41.8%	44.6%	49.2%	53.2%	48%	43.6%	31.2%	20.8%	11.6%	5.1%	-	-	-
Sales Growth % (QoQ)	6.6%	5.4%	3.1%	3.1%	4.6%	7.6%	7.6%	7.4%	8%	8.3%	12.8%	9.6%	11.5%	11.2%	8.9%	6.3%	1.9%	2.4%	0.6%	-
Expenses	2597	2554	2460	2286	2010	2038	1897	1727	1417	1412	1391	1174	902	912	940	879	630	795	574	910
Operating Profit	2067	1698	1514	1512	1671	1420	1300	1289	1414	1155	1028	920	1105	901	736	760	904	717	845	468
OPM %	25	22	20	21	24	21	21	22	26	23	22	22	30	27	24	27	35	28	34	19
Other Income	148	111	123	87	92	105	68	45	105	47	73	71	93	52	50	26	52	17	1	0
Interest	3753	3646	3517	3468	3365	3275	3059	2796	2579	2441	2204	2006	1734	1543	1340	1130	1071	1046	1078	1104
Depreciation	72	74	71	67	64	59	63	59	75	46	39	39	36	30	28	28	28	24	24	25
Profit before tax	2143	1736	1566	1532	1699	1466	1305	1275	1444	1156	1062	952	1163	923	759	759	927	710	822	443
Tax %	23	26	26	26	26	26	26	26	26	25	27	25	26	26	26	26	26	26	26	26
Net Profit	1645	1290	1160	1138	1260	1088	968	947	1065	872	773	710	855	685	563	562	687	528	611	329
Net Profit Growth % (QoQ)	27.5%	11.2%	1.9%	-9.7%	15.8%	12.4%	2.2%	-11.1%	22.1%	12.8%	8.9%	-17%	24.8%	21.7%	0.2%	-18.2%	30.1%	-13.6%	85.7%	-
Net Profit Growth % (YoY)	30.6%	18.6%	19.8%	20.2%	18.3%	24.8%	25.2%	33.4%	24.6%	27.3%	37.3%	26.3%	24.5%	29.7%	-7.9%	70.8%	-	-	-	-
TTM Net Profit	5233	4848	4646	4454	4263	4068	3852	3657	3420	3210	3023	2813	2665	2497	2340	2388	2155	1468	940	0
EPS in Rs	19.31	15.28	13.78	13.53	14.98	12.94	11.52	11.27	12.68	10.39	9.4	8.64	10.4	8.33	6.85	6.84	8.36	6.43	7.44	4.01

Upcoming result date: 28-Jul-2026

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	31073	25890	19163	12884	10148	9583	8712	7108	5559	4694	4214	3715	3279	2570
Sales Growth %	20%	35.1%	48.7%	27%	5.9%	10%	22.6%	27.9%	18.4%	11.4%	13.4%	13.3%	27.6%	-
Expenses	9898	7670	5385	3621	2926	2913	2421	1632	1451	1322	1266	1061	932	688
Operating Profit	6791	5725	4548	3515	2924	2094	1699	1888	1451	1143	899	696	578	472
OPM %	22	22	24	27	29	22	20	27	26	24	21	19	18	18
Other Income	469	261	255	220	84	56	0	1	0	3	2	0	1	1
Interest	14384	12495	9231	5748	4298	4576	4592	3588	2657	2228	2048	1958	1769	1410
Depreciation	284	245	198	121	101	102	111	57	51	39	22	30	25	22
Profit before tax	6977	5741	4605	3615	2908	2048	1588	1832	1401	1107	879	666	554	452
Tax %	25	26	26	26	26	26	34	35	34	35	35	33	34	32
Net Profit	5233	4263	3420	2665	2154	1521	1054	1197	918	718	575	444	368	308
Net Profit Growth %	22.8%	24.6%	28.3%	23.7%	41.6%	44.3%	-11.9%	30.4%	27.9%	24.9%	29.5%	20.7%	19.5%	-
EPS in Rs	61.41	50.69	40.72	32.42	26.23	18.55	12.86	15.32	11.76	9.21	7.36	6.18	5.14	4.3
Dividend Payout %	3	4	5	6	8	11	13	8	11	12	12	11	14	16

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	-30021	-32413	-35683	-27105	-5571	-8848	-2075	-9317	-7926	-1468	-2809	-2264	-2447	-3754
Cash from Investing Activity	-2554	-2948	-2855	-2148	1640	-1746	-54	-11	-60	-222	-137	-40	-83	5
Cash from Financing Activity	35610	39795	38471	27466	5150	8707	2452	12191	8009	1692	3031	1819	2749	4067
Net Cash Flow	3035	4434	-66	-1787	1218	-1888	323	2862	22	2	85	-485	219	317

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	170	168	168	168	168	164	164	164	164	156	156	156	156	144	143	143
Reserves	30288	25774	23500	21243	19425	14182	11605	9436	8036	6052	4969	4142	3514	2531	2144	1809
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	3920	3141	3182	2591	2618	1923	1536	1314	853	715	711	2230	1673	1243	1182	1007
Total Liabilities	245448	216746	201887	181945	156686	113627	82478	74644	64058	57490	44167	30598	27889	23868	21544	18228
Fixed Assets	1883	1922	1780	1669	1563	403	259	228	283	167	170	150	120	69	74	73
CWIP	28	9	11	0	13	60	37	10	11	14	4	0	0	0	0	0
Investments	6646	7140	6367	5787	4036	3562	2055	1583	33	42	23	182	16	25	39	172
Other Assets	236892	207675	193729	174489	151075	109602	80127	72823	63732	57267	43970	30266	27753	23775	21431	17984
Total Assets	245448	216746	201887	181945	156686	113627	82478	74644	64058	57490	44167	30598	27889	23868	21544	18228

OI Chart

Price

Delivery

#	Date	1445 30% 1875	Value (Cr)	Q/T 43	Del 44	Del 304
1	22-Jul	1728	160	22	54	86
2	21-Jul	1759	238	20	67	159
3	20-Jul	1783	157	24	54	84
4	17-Jul	1805	143	17	63	90
5	16-Jul	1789	139	25	57	80
6	15-Jul	1804	274	27	52	143
7	14-Jul	1772	227	24	46	105
8	13-Jul	1811	115	19	47	54
9	10-Jul	1808	134	15	62	84
10	9-Jul	1792	230	23	55	127
11	8-Jul	1769	318	26	55	177
12	7-Jul	1853	395	30	69	274
13	6-Jul	1850	562	36	54	303
14	3-Jul	1790	171	27	63	108
15	2-Jul	1788	222	19	61	136
16	1-Jul	1803	116	18	50	58
17	30-Jun	1790	245	21	62	152
18	29-Jun	1774	804	33	71	568
19	25-Jun	1799	712	54	72	513
20	24-Jun	1793	422	28	57	243
21	23-Jun	1726	335	31	66	220
22	22-Jun	1719	292	27	66	193
23	19-Jun	1693	211	25	66	140
24	18-Jun	1689	130	25	57	74
25	17-Jun	1679	165	16	58	95
26	16-Jun	1680	360	26	64	232
27	15-Jun	1654	722	29	63	452
28	12-Jun	1568	499	49	53	266
29	11-Jun	1455	169	33	57	97
30	10-Jun	1473	265	32	59	155
31	9-Jun	1495	212	37	60	128
32	8-Jun	1456	163	23	54	88
33	5-Jun	1503	371	33	45	167
34	4-Jun	1486	129	18	46	60
35	3-Jun	1471	158	16	49	77
36	2-Jun	1483	128	18	45	57
37	1-Jun	1493	437	70	16	72
38	29-May	1538	350	40	62	217
39	27-May	1579	88	19	46	40
40	26-May	1567	136	24	49	67
41	25-May	1591	264	33	52	136
42	22-May	1540	197	36	59	116
43	21-May	1504	198	25	49	98
44	20-May	1519	129	21	56	72
45	19-May	1511	158	23	49	78
46	18-May	1528	125	27	50	62
47	15-May	1546	137	24	44	60
48	14-May	1567	208	32	54	113

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	1,46,495c	1,002c	0.68
22-Jul	1,47,498c	2,455c	1.64
21-Jul	1,49,953c	3,436c	2.24
17-Jul	1,53,389c	520c	0.34
16-Jul	1,52,869c	1,833c	1.18
15-Jul	1,54,702c	4,297c	2.86
14-Jul	1,50,405c	4,374c	2.83
13-Jul	1,54,779c	17c	0.01
10-Jul	1,54,796c	1,074c	0.70
09-Jul	1,53,721c	3,069c	2.04
08-Jul	1,50,652c	7,187c	4.55
07-Jul	1,57,839c	9c	0.01
06-Jul	1,57,848c	4,578c	2.99
02-Jul	1,53,270c	188c	0.12
01-Jul	1,53,457c	230c	0.15
30-Jun	1,53,227c	375c	0.25
29-Jun	1,52,852c	596c	0.39
26-Jun	1,53,448c	418c	0.27
25-Jun	1,53,866c	989c	0.65
24-Jun	1,52,877c	6,880c	4.71
23-Jun	1,45,997c	716c	0.49
22-Jun	1,46,713c	2,421c	1.68
19-Jun	1,44,293c	963c	0.67
17-Jun	1,43,329c	188c	0.13
16-Jun	1,43,142c	2,063c	1.46
15-Jun	1,41,079c	7,561c	5.66
12-Jun	1,33,518c	8,422c	6.73
11-Jun	1,25,096c	1,969c	1.55
10-Jun	1,27,065c	0	0

Stock Checklist

Price is above from 52 week high low average: 45%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 777 fund scheme(s) across 47 fund house(s) as of Jul26 · Total value ₹84,251 Cr · 178 increasing / 55 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	50	8.36%	+2.50%	12964.9
SBI Mutual Fund	36	6.68%	-	12715.3
HDFC Mutual Fund	46	10.81%	+1.20%	9905.8
ICICI Prudential Asset Management Company Limited	13	2.92%	+4.07%	9651.1
Aditya Birla Sun Life Mutual Fund	38	4.84%	-	7174.1
Kotak Mahindra Mutual Fund	28	37.99%	+0.80%	3950.5
Axis Mutual Fund	54	1.44%	-	3875.7
DSP Mutual Fund	32	3.59%	-	3461.6
Bandhan Mutual Fund	36	24.96%	+0.14%	2362.8
Nippon India Mutual Fund	29	0.92%	+0.04%	2076.2
Franklin Templeton Mutual Fund	27	3.29%	+0.36%	1746.3
Canara Robeco Mutual Fund	12	1.25%	-	1708.1
UTI Mutual Fund	23	2.43%	-	1599.5
Invesco Mutual Fund	32	1.94%	-0.06%	1571
Tata Mutual Fund	16	394.02%	-	1457.9
360 ONE Mutual Fund	12	6.70%	-	1069.6
Baroda BNP Paribas Mutual Fund	32	23.61%	-	989.4
Union Mutual Fund	14	108.45%	-	845.9
HSBC Mutual Fund	26	2.46%	-	811.1
Mirae Asset Mutual Fund	18	1.90%	-	797.6
Sundaram Mutual Fund	20	29.10%	+0.23%	695.5
Edelweiss Mutual Fund	26	1.33%	-	634.6
Bajaj Finserv Mutual Fund	10	59.13%	+3.73%	585.4
WhiteOak Capital Mutual Fund	24	51.46%	+0.87%	487.9
LIC Mutual Fund	8	8.84%	-	193.9
PGIM India Mutual Fund	12	0.97%	-	160.6
Jio BlackRock Mutual Fund	3	88.62%	-	145.3
Helios Mutual Fund	6	0.89%	-0.31%	129.4
Mahindra Manulife Mutual Fund	10	12.28%	+1.27%	124.9
ITI Mutual Fund	16	1.58%	+0.30%	121
Shriram Mutual Fund	2	15.12%	-	94.6
Navi Mutual Fund	4	2.72%	-	64.8
Trust Mutual Fund	6	1.72%	+1.46%	57.4
Franklin Templeton Asset Management (India) Private Limited	1	1.35%	+1.35%	49.4
JM Financial Mutual Fund	4	4.53%	+2.21%	20.3
Groww Mutual Fund	10	1.32%	-	17.7
Bank of India Mutual Fund	4	1.82%	-	10
PPFAS Mutual Fund	4	0.25%	-	7.1
Zerodha Mutual Fund	3	0.26%	+0.05%	5.1
The Wealth Company Mutual Fund	2	1.03%	-	4.7
Sundaram Asset Management Company Ltd	1	11.80%	+11.80%	4
PGIM India Asset Management Private Limite	1	0.51%	+0.51%	2.8
Angel One Mutual Fund	2	0.32%	-	0.3
Old Bridge Mutual Fund	2	0.06%	+0.06%	-0.2
Capitalmind Mutual Fund	2	1.16%	-	-0.3
Unifi Mutual Fund	2	0.18%	-	-4.3
Motilal Oswal Mutual Fund	18	-0.31%	-	-95

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Events

Date	Purpose
28-Jul-26	Q1 2027