Cholamandalam Investment and Finance Company Limited

Web: cholamandalam.com NSE: CHOLAFIN BSE: 511243 SECTOR: Financial Services - Finance | Add Note | View Notes

1834 15(-1%)

Near 52W High of 1952

Volume

8L as on 03, Sep

Open

1,796

High

1,798

Low

1,774

1,849

VWAP

1,844

52 Week High

1,952

52 Week Low

1,299

Viand Research Rating

Quality Score

61/100

Growth Score

17/100

Valuation Score

85/100

Momentum Score

50/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,56,652

No. of Shares

85.3

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

49.23%

FII Holding

24.46%

DII Holding

20.62%

Price Chart

Price Performance

1 Week1%

1 Month2%

3 Months26%

6 Months9%

1 Year27%

YTD7%

Moving Average

5 Day SMA1,842

10 Day SMA1,854

20 Day SMA1,875

30 Day SMA1,859

50 Day SMA1,831

61 Day SMA1,798

80 Day SMA1,733

200 Day SMA1,678

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,896	1,840	1,861	1,905
Resistance 2	1,861	1,836	1,841	1,865
Resistance 1	1,843	1,831	1,828	1,852
Pivot Point	1,808	1,826	1,808	1,813
Support 1	1,791	1,821	1,788	1,800
Support 2	1,756	1,816	1,776	1,760
Support 3	1,739	1,811	1,756	1,747

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	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	(0.01) 49.23%	(-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	(-0.41) 24.46%	(-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	(0.71) 20.62%	(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	5.70%	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	151,219	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

	Jun 2026	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	8856	8417	7898	7491	7267	7046	6733	6255	5812	5410	5007	4623	4100	3741	3356	3017	2770	2605	2557	2496	2482
Sales Growth % (YoY)	21.9%	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)	5.2%	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	2652	2597	2554	2460	2286	2010	2038	1897	1727	1417	1412	1391	1174	902	912	940	879	630	795	574	910
Operating Profit	2197	2067	1698	1514	1512	1671	1420	1300	1289	1414	1155	1028	920	1105	901	736	760	904	717	845	468
OPM %	25	25	22	20	21	24	21	21	22	26	23	22	22	30	27	24	27	35	28	34	19
Other Income	102	148	111	123	87	92	105	68	45	105	47	73	71	93	52	50	26	52	17	1	0
Interest	4007	3753	3646	3517	3468	3365	3275	3059	2796	2579	2441	2204	2006	1734	1543	1340	1130	1071	1046	1078	1104
Depreciation	75	72	74	71	67	64	59	63	59	75	46	39	39	36	30	28	28	28	24	24	25
Profit before tax	2224	2143	1736	1566	1532	1699	1466	1305	1275	1444	1156	1062	952	1163	923	759	759	927	710	822	443
Tax %	26	23	26	26	26	26	26	26	26	26	25	27	25	26	26	26	26	26	26	26	26
Net Profit	1656	1645	1290	1160	1138	1260	1088	968	947	1065	872	773	710	855	685	563	562	687	528	611	329
Net Profit Growth % (QoQ)	0.7%	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)	45.5%	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	5751	5233	4848	4646	4454	4263	4068	3852	3657	3420	3210	3023	2813	2665	2497	2340	2388	2155	1468	940	0
EPS in Rs	19.43	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

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	31120	25890	19163	12884	10148	9583	8712	7108	5559	4694	4214	3715	3279	2570
Sales Growth %	20.2%	35.1%	48.7%	27%	5.9%	10%	22.6%	27.9%	18.4%	11.4%	13.4%	13.3%	27.6%	-
Expenses	9890	7670	5385	3621	2926	2858	2421	1632	1451	1322	1266	1061	932	688
Operating Profit	6845	5726	4548	3515	2924	2150	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	412	261	255	220	84	0	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	6973	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	-8842	-2075	-9317	-7926	-1468	-2809	-2264	-2447	-3754
Cash from Investing Activity	-2554	-2948	-2855	-2148	1640	-1572	-54	-11	-60	-222	-137	-40	-83	5
Cash from Financing Activity	35610	39795	38471	27466	5150	8516	2452	12191	8009	1692	3031	1819	2749	4067
Net Cash Flow	3035	4434	-66	-1787	1218	-1898	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	1869	1922	1780	1669	1563	403	259	228	283	167	170	150	120	69	74	73
CWIP	42	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

Delivery

Delivery Data: CHOLAFIN

#	Date	1660 18% 1952	Value (Cr)	Q/T 31	Del 51	Del 303
1	4-Sep	1839	125	19	66	82
2	3-Sep	1849	148	15	59	87
3	2-Sep	1826	153	17	65	99
4	1-Sep	1815	340	52	29	100
5	31-Aug	1857	233	29	65	151
6	28-Aug	1863	149	29	62	92
7	27-Aug	1875	177	24	60	106
8	26-Aug	1868	259	23	48	123
9	25-Aug	1873	79	17	48	38
10	24-Aug	1847	156	23	56	87
11	21-Aug	1863	168	27	57	96
12	20-Aug	1889	118	25	55	65
13	19-Aug	1874	104	12	65	67
14	18-Aug	1868	98	10	62	61
15	17-Aug	1885	149	16	72	108
16	14-Aug	1894	119	15	64	76
17	13-Aug	1928	166	36	65	108
18	12-Aug	1918	103	18	60	62
19	11-Aug	1914	277	32	64	178
20	10-Aug	1920	303	31	68	206
21	7-Aug	1866	305	26	62	189
22	6-Aug	1940	511	37	58	295
23	5-Aug	1880	166	19	57	94
24	4-Aug	1875	252	27	67	169
25	3-Aug	1888	430	26	50	216
26	31-Jul	1850	542	28	53	285
27	30-Jul	1774	214	19	63	135
28	29-Jul	1803	490	27	46	227
29	28-Jul	1753	642	32	42	267
30	27-Jul	1785	350	32	59	207
31	24-Jul	1724	323	29	57	183
32	23-Jul	1717	206	28	70	144
33	22-Jul	1728	160	22	54	86
34	21-Jul	1759	238	20	67	159
35	20-Jul	1783	157	24	54	84
36	17-Jul	1805	143	17	63	90
37	16-Jul	1789	139	25	57	80
38	15-Jul	1804	274	27	52	143
39	14-Jul	1772	227	24	46	105
40	13-Jul	1811	115	19	47	54
41	10-Jul	1808	134	15	62	84
42	9-Jul	1792	230	23	55	127
43	8-Jul	1769	318	26	55	177
44	7-Jul	1853	395	30	69	274
45	6-Jul	1850	562	36	54	303
46	3-Jul	1790	171	27	63	108
47	2-Jul	1788	222	19	61	136
48	1-Jul	1803	116	18	50	58
49	30-Jun	1790	245	21	62	152
50	29-Jun	1774	804	33	71	568

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	1,56,652c	111c	0.07
03-Sep	1,56,763c	632c	0.41
01-Sep	1,56,130c	60c	0.04
31-Aug	1,56,190c	6,105c	3.76
26-Aug	1,62,295c	5,764c	3.68
25-Aug	1,56,531c	929c	0.59
24-Aug	1,57,460c	1,458c	0.92
21-Aug	1,58,918c	827c	0.52
19-Aug	1,59,746c	469c	0.29
18-Aug	1,59,277c	1,424c	0.89
17-Aug	1,60,701c	827c	0.51
14-Aug	1,61,528c	929c	0.57
13-Aug	1,62,457c	1,049c	0.64
12-Aug	1,63,506c	205c	0.13
11-Aug	1,63,710c	0	0
10-Aug	1,63,710c	4,587c	2.88
07-Aug	1,59,123c	6,924c	4.17
06-Aug	1,66,047c	6,173c	3.86
04-Aug	1,59,873c	2,541c	1.62
31-Jul	1,57,333c	6,600c	4.38
30-Jul	1,50,733c	2,831c	1.84
29-Jul	1,53,564c	3,078c	2.05
28-Jul	1,50,486c	1,586c	1.04
27-Jul	1,52,072c	0	0

Stock Checklist

Price is above from 52 week high low average: 82%

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 808 fund scheme(s) across 49 fund house(s) as of Aug26 · Total value ₹90,705 Cr · 497 increasing / 198 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	48	1.19%	+0.05%	13553.1
SBI Mutual Fund	38	1.35%	-0.02%	12515.3
ICICI Prudential Asset Management Company Limited	13	1.06%	-0.08%	9448.6
HDFC Mutual Fund	44	0.74%	-0.19%	7697
Axis Mutual Fund	62	1.49%	+1.15%	7651.8
Kotak Mahindra Mutual Fund	26	1.41%	+0.13%	6605.3
Aditya Birla Sun Life Mutual Fund	40	0.87%	+0.33%	6054.1
DSP Mutual Fund	32	2.07%	+0.84%	4299.7
Invesco Mutual Fund	36	1.89%	+0.92%	3888
Canara Robeco Mutual Fund	14	1.53%	+0.30%	2230.2
Nippon India Mutual Fund	33	0.56%	+0.20%	2157.1
UTI Mutual Fund	26	0.76%	+0.66%	1984.6
Bandhan Mutual Fund	36	1.86%	+0.10%	1708
Sundaram Mutual Fund	24	2.02%	+1.53%	1354.1
HSBC Mutual Fund	26	1.30%	+0.55%	1222
360 ONE Mutual Fund	12	5.04%	+0.48%	1181.2
Franklin Templeton Mutual Fund	27	0.69%	-0.20%	949.8
Mirae Asset Mutual Fund	22	1.61%	+1.05%	783.5
Bajaj Finserv Mutual Fund	12	2.64%	+1.12%	767.1
Edelweiss Mutual Fund	26	0.65%	+0.21%	758.8
Baroda BNP Paribas Mutual Fund	25	2.17%	+2.33%	753.6
Tata Mutual Fund	14	1.59%	-0.22%	732.5
WhiteOak Capital Mutual Fund	24	0.97%	-0.16%	533.4
Jio BlackRock Mutual Fund	5	2.97%	+3.65%	441.4
Union Mutual Fund	24	1.41%	-0.48%	435.7
Helios Mutual Fund	8	1.28%	+0.67%	239.5
LIC Mutual Fund	8	1.68%	-	174.5
Aditya Birla Sun Life AMC Limited	1	2.23%	+4.23%	138.2
PGIM India Mutual Fund	12	0.80%	-0.14%	138.2
ITI Mutual Fund	16	1.59%	+0.12%	135.4
Mahindra Manulife Mutual Fund	10	1.37%	-	124.9
Navi Mutual Fund	4	3.10%	+0.45%	80.2
Trust Mutual Fund	6	1.69%	-0.09%	57.4
Groww Mutual Fund	10	1.03%	+0.21%	26.2
Franklin Templeton Asset Management (India) Private Limited	1	0.48%	-0.94%	24.8
Abakkus Mutual Fund	2	2.18%	+2.13%	19.9
JM Financial Mutual Fund	4	1.30%	-2.23%	9.8
PPFAS Mutual Fund	4	0.18%	+0.09%	9.4
Bank of India Mutual Fund	4	1.22%	-0.64%	7.4
Zerodha Mutual Fund	3	0.29%	-	5.4
Sundaram Asset Management Company Ltd	1	5.94%	+0.07%	4
PGIM India Asset Management Private Limite	1	0.59%	+0.08%	3.2
Choice Mutual Fund	2	2.56%	+2.61%	0.9
Angel One Mutual Fund	2	0.39%	+0.06%	0.5
The Wealth Company Mutual Fund	2	0.00%	-1.03%	0
Old Bridge Mutual Fund	2	-0.08%	-	-0.2
Capitalmind Mutual Fund	2	-1.53%	-0.12%	-0.5
Unifi Mutual Fund	2	-0.21%	-0.02%	-4.4
Motilal Oswal Mutual Fund	12	-1.68%	+0.32%	-196.3

Cholamandalam Investment and Finance Company Limited

Price Chart

Price Performance

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Shareholding Pattern (%)

Quarterly Results

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Cash Flows

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