# Cholamandalam Investment and Finance Company Ltd (CHOLAFIN)
> Exchange: NSE | Sector: NBFC & Finance | ISIN: 

## Price
Current Price: ₹1504
Day Change: -0.98%
52W High: ₹1831.8
52W Low: ₹1299.8
Market Cap: ₹1,31,901 Cr

## Valuation
P/E: 25
P/B: 4.32
EPS: ₹61.88
Book Value: ₹357.87
Dividend Yield: 0.13%

## Returns
1Y Return: -10.01%

## Profitability
ROE: 19.33%
ROCE: 0%
Debt/Equity: 6.93
Revenue Growth: 24.1%
Profit Growth: 29.1%
EBITDA Margin: 0%
Operating Margin: 56.11%

## About
Cholamandalam Invest is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the NBFC — Diversified segment with a strong market position and diversified operations.
Sector: NBFC & Finance
Industry: Credit Services
Sub Industry: NBFC — Diversified

## Business Model
Overview: Cholamandalam Investment and Finance Company Ltd makes money through Core Business, Other Segments, Exports in NBFC — Diversified. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within NBFC & Finance.
Source: Derived from stock data
Revenue Streams:
- Core Business
- Other Segments
- Exports
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Business Segments:
- Core Business: 65% of tracked revenue, equal to ₹26,046 Cr. | 65% | ₹26,046 Cr
- Other Segments: 33% of tracked revenue, equal to ₹13,223 Cr. | 33% | ₹13,223 Cr
- Exports: 2% of tracked revenue, equal to ₹801 Cr. | 2% | ₹801 Cr
Recent Context:
- Announcement: Announcement under Regulation 30 (LODR)-Allotment
- Announcement: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
- BSE Filing: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

## Access
Current tier: anonymous
More history: Register free to see 8 more years.

## Data Freshness
Quote Updated: 2026-05-21T20:00:01.517Z
Price History Updated: 2026-05-17T21:29:37.377Z
Latest Price History Date: 2026-05-17
Technicals Updated: 2026-05-17T21:29:37.377Z
Quant Updated: 2026-05-17T21:29:37.377Z
Sentiment Updated: 2026-05-17T21:29:37.377Z
Financials Status: current
Financials Updated: 2026-05-18T02:33:51.105Z
Financials Last Attempt: 2026-05-18T02:33:51.105Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## Balance Sheet (Mar 2016)
Total Assets: ₹23868 Cr
Total Liabilities: ₹23868 Cr
Borrowings: ₹0 Cr
Cash: ₹undefined Cr

## Shareholding
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## Board
- Murugappan Vellayan Subbiah, Executive Chairman
- Ravindra Kumar Kundu, MD, President of Business, Head of Vehicle Finance & Executive Director
- D. Arul Selvan, President & CFO
- Durgaprasad  Swaminathan, Chief Information Officer
- Pangurayirath  Sujatha, Compliance Officer & Company Secretary

## Highlights
- Strong revenue growth of 9% CAGR over 5 years
- ROE of 19.3% indicates efficient capital allocation

## Concerns
- Debt-to-equity ratio needs monitoring amid expansion plans
- Promoter holding has seen slight decline in recent quarters

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Source: rupiya.io/stocks/cholafin
Disclaimer: For research and education only. Not investment advice.