Cholaman.Inv.&Fn

how big is Cholaman.Inv.&Fn?

As of Jun 06, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 134,071.65 Cr, with net sales of 25,845.98 Cr and net profit of 4,262.70 Cr over the latest four quarters. Shareholder's funds are 19,593.24 Cr, and total assets amount to 1,56,030.56 Cr as of the latest annual period ending in Mar'24.

Market Cap: As of Jun 06, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 134,071.65 Cr, classifying it as a Large Cap company.<BR><BR>Recent Quarterly Performance: For the latest 4 quarters, the company reported a sum of Net Sales of 25,845.98 Cr and a sum of Net Profit of 4,262.70 Cr. This data is on a Consolidated basis.<BR><BR>Balance Sheet Snapshot: This is also on a Consolidated basis for the latest annual period ending in Mar'24. The Shareholder's Funds are reported at 19,593.24 Cr, while the Total Assets amount to 1,56,030.56 Cr.

When is the next results date for Cholaman.Inv.&Fn?

No Upcoming Board Meetings

Has Cholaman.Inv.&Fn declared dividend?

Cholamandalam Investment & Finance Company Ltd has declared a 65% dividend, amounting to ₹1.3 per share, with an ex-date of February 7, 2025. The company has demonstrated strong total returns across various periods, with a 5-year total return of 994.53%.

Cholamandalam Investment & Finance Company Ltd has declared a 65% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 65%<BR>- Amount per share: 1.3<BR>- Ex-date: 07 Feb 25<BR><BR>Dividend Yield: 0.13%.<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 24.29%, the dividend return was 0.10%, resulting in a total return of 24.39%.<BR><BR>For the 1-year period, the price return was 18.79%, the dividend return was 0.15%, leading to a total return of 18.94%.<BR><BR>Over the 2-year period, the price return was 49.94%, with a dividend return of 0.24%, culminating in a total return of 50.18%.<BR><BR>In the 3-year period, the price return reached 140.64%, the dividend return was 0.76%, resulting in a total return of 141.4%.<BR><BR>For the 4-year period, the price return was 177.8%, the dividend return was 1.28%, leading to a total return of 179.08%.<BR><BR>Finally, in the 5-year period, the price return was an impressive 990.47%, with a dividend return of 4.06%, resulting in a total return of 994.53%.<BR><BR>Overall, Cholamandalam Investment & Finance Company Ltd has declared a significant dividend and has shown strong total returns across all periods, indicating robust performance and shareholder value enhancement.

Who are the peers of the Cholaman.Inv.&Fn?

Peers of Cholaman.Inv.&Fn include Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Cholaman.Inv.&Fn has good management risk and a 1-year return of 22.16%, while Authum Invest leads with 164.69% return, and Jio Financial has the lowest at -20.18%.

Peers: The peers of Cholaman.Inv.&Fn are Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Muthoot Finance, SBI Cards, and Cholaman.Inv.&Fn, while Average management risk is found at Jio Financial, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Good management risk is noted at Shriram Finance and Sundaram Finance, and the rest have Average management risk. Growth is Excellent at Jio Financial and Authum Invest, Good at Cholaman.Inv.&Fn, Bajaj Finance, and Shriram Finance, while Average growth is seen at Muthoot Finance, SBI Cards, Aditya Birla Cap, and Sundaram Finance. Below Average growth is noted at L&T Finance Ltd and M & M Fin. Serv. Capital Structure is Excellent at Bajaj Finance, Muthoot Finance, SBI Cards, Shriram Finance, and the rest have Good or Average ratings.<BR><BR>Return Snapshot: Authum Invest has the highest 1-year return at 164.69%, while Jio Financial has the lowest at -20.18%. Cholaman.Inv.&Fn's 1-year return of 22.16% is significantly higher than Jio Financial's but lower than Authum Invest's. Additionally, Jio Financial and M & M Fin. Serv. have negative six-month returns.

Who are in the management team of Cholaman.Inv.&Fn?

As of March 2023, the management team of Cholaman.Inv.&Fn includes P Sujatha (Company Secretary), N Ramesh Rajan, Rohan Verma, Bhama Krishnamurthy, Anand Kumar (all Independent Directors), Ravindra Kumar Kundu (Executive Director), Vellayan Subbiah (Chairman), and M A M Arunachalam (Director). Each member contributes to the company's governance and strategic direction.

As of March 2023, the management team of Cholaman.Inv.&Fn includes the following individuals:<BR><BR>1. P Sujatha - Company Secretary & Compliance Officer<BR>2. N Ramesh Rajan - Independent Director<BR>3. Rohan Verma - Independent Director<BR>4. Bhama Krishnamurthy - Independent Director<BR>5. Ravindra Kumar Kundu - Executive Director<BR>6. Vellayan Subbiah - Chairman (Non-Executive)<BR>7. M A M Arunachalam - Director<BR>8. Anand Kumar - Independent Director<BR><BR>Each member plays a significant role in the governance and strategic direction of the company.

What does Cholaman.Inv.&Fn do?

Cholamandalam Investment and Finance Company Limited is a large-cap NBFC providing comprehensive financial services, with recent net sales of ₹70,456 Cr and a net profit of ₹12,595 Cr as of March 2025. Key metrics include a P/E ratio of 31.00 and a market capitalization of ₹130,408 Cr.

Overview:<BR>Cholamandalam Investment and Finance Company Limited is a comprehensive financial services provider operating in the Non Banking Financial Company (NBFC) sector with a large-cap market capitalization.<BR><BR>History:<BR>The company was incorporated in an unspecified year and has maintained its status as a leading financial services provider. The latest quarterly results reported are for March 2025, showing significant sales and profit figures.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 70,456 Cr (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 12,595 Cr (Quarterly Results - Mar 2025)<BR>- Market-cap value: INR 130,408 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 31.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.13%<BR>- Debt Equity: 7.40<BR>- Return on Equity: 18.01%<BR>- Price to Book: 5.54<BR><BR>Contact Details:<BR>Address: Dare House No 2 N S C Bose Rd, Parrys Chennai Tamil Nadu : 600001<BR>Tel: 91-044-30007172<BR>Email: investors@chola.murugappa.com<BR>Website: http://www.cholamandalam.com

Who are the top shareholders of the Cholaman.Inv.&Fn?

The top shareholders of Cholaman.Inv.&Fn include Cholamandalam Financial Holdings Limited with 44.34%, foreign institutional investors at 28.23%, and mutual funds holding 12.46%. Axis Mutual Fund Trustee Limited is the largest public shareholder at 2.39%, while individual investors own 4.93%.

The top shareholders of Cholaman.Inv.&Fn include several key players. The majority shareholder is Cholamandalam Financial Holdings Limited, which holds 44.34% of the company. In addition, foreign institutional investors (FIIs) collectively own 28.23%, while mutual funds are represented by 39 schemes, accounting for 12.46% of the holdings. The highest public shareholder is Axis Mutual Fund Trustee Limited, which holds 2.39%. Individual investors also have a stake, with their holdings totaling 4.93%.

Is Cholaman.Inv.&Fn overvalued or undervalued?

As of November 18, 2025, Cholaman.Inv.&Fn is considered very expensive and overvalued with a PE ratio of 30.78, despite outperforming the Sensex, indicating that investors may be paying a premium for its growth potential compared to its peers.

As of 18 November 2025, the valuation grade for Cholaman.Inv.&Fn has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently assessed as overvalued. Key ratios include a PE ratio of 30.78, an EV to EBITDA of 16.22, and a PEG ratio of 1.53, all of which suggest that the stock is trading at a premium compared to its earnings growth potential.<BR><BR>In comparison to its peers, Cholaman.Inv.&Fn's PE ratio is lower than Bajaj Finance's 34.46 but significantly higher than Life Insurance's 11.34, which is categorized as very attractive. This disparity highlights the overvaluation of Cholaman.Inv.&Fn within its industry. While the stock has outperformed the Sensex with a year-to-date return of 42.84% compared to the Sensex's 8.36%, the current valuation metrics suggest that investors may be paying too much for future growth prospects.

How has been the historical performance of Cholaman.Inv.&Fn?

Cholaman.Inv.&Fn has shown significant growth, with net sales rising from 8,712.01 Cr in Mar'20 to 25,845.98 Cr in Mar'25, and profit after tax increasing from 1,196.94 Cr to 4,260.00 Cr in the same period. Despite rising interest expenses, total assets grew from 63,530.91 Cr to 2,00,938.16 Cr, although cash flow from operations remained negative.

Answer:<BR>The historical performance of Cholaman.Inv.&Fn shows significant growth in net sales and profits over the years, with net sales increasing from 8,712.01 Cr in Mar'20 to 25,845.98 Cr in Mar'25. The total operating income followed a similar trend, reaching 25,845.98 Cr in Mar'25, up from 7,087.62 Cr in Mar'19. Operating profit (PBDIT) also saw a substantial rise, climbing from 5,455.45 Cr in Mar'19 to 18,480.81 Cr in Mar'25. However, interest expenses have increased sharply, from 3,588.14 Cr in Mar'19 to 12,494.53 Cr in Mar'25, impacting profit before tax, which rose to 5,741.45 Cr in Mar'25 from 1,831.53 Cr in Mar'19. Profit after tax also improved significantly, reaching 4,260.00 Cr in Mar'25 compared to 1,196.94 Cr in Mar'19. The company's total assets increased from 63,530.91 Cr in Mar'20 to 2,00,938.16 Cr in Mar'25, while total liabilities grew from 55,005.43 Cr in Mar'20 to 1,75,036.00 Cr in Mar'25. The cash flow from operating activities remained negative, indicating ongoing challenges in generating cash from operations, but net cash inflow improved to 4,434.00 Cr in Mar'25 from a negative position in the previous year.<BR><BR>Breakdown:<BR>Cholaman.Inv.&Fn has demonstrated a robust growth trajectory in its financial performance over the years. Net sales surged from 8,712.01 Cr in Mar'20 to an impressive 25,845.98 Cr in Mar'25, reflecting a strong demand for its offerings. The total operating income mirrored this growth, reaching 25,845.98 Cr in Mar'25. Operating profit (PBDIT) increased significantly from 5,455.45 Cr in Mar'19 to 18,480.81 Cr in Mar'25, showcasing improved operational efficiency. Despite rising interest expenses, which escalated from 3,588.14 Cr in Mar'19 to 12,494.53 Cr in Mar'25, profit before tax rose to 5,741.45 Cr in Mar'25, up from 1,831.53 Cr in Mar'19. Profit after tax also saw a notable increase, reaching 4,260.00 Cr in Mar'25 compared to 1,196.94 Cr in Mar'19. The company's total assets expanded significantly from 63,530.91 Cr in Mar'20 to 2,00,938.16 Cr in Mar'25, while total liabilities increased from 55,005.43 Cr in Mar'20 to 1,75,036.00 Cr in Mar'25. Although cash flow from operating activities remained negative, the net cash inflow improved to 4,434.00 Cr in Mar'25, indicating a positive shift in cash management.

Is Cholaman.Inv.&Fn technically bullish or bearish?

As of December 4, 2025, the technical trend is bullish, supported by strong MACD and KST indicators, although caution is advised due to mixed signals from Bollinger Bands, RSI, and other indicators.

As of 4 December 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both weekly and monthly time frames, while the moving averages on the daily chart also indicate a bullish trend. The KST is bullish on both weekly and monthly time frames, reinforcing the bullish sentiment. Although the Bollinger Bands show a mildly bullish stance on both weekly and monthly charts, the lack of signals from the RSI and no trends in Dow Theory and OBV suggest some caution. Overall, the strength of the bullish trend is supported by multiple indicators, particularly the MACD and KST.

Are Cholamandalam Investment & Finance Company Ltd latest results good or bad?

Cholamandalam Investment & Finance Company Ltd's latest Q3 FY26 results are strong, with a net profit of ₹1,289.97 crores and significant growth in net interest income. However, the stock has declined by 4.06% recently, indicating some investor caution despite solid fundamentals.

Cholamandalam Investment & Finance Company Ltd's latest results for Q3 FY26 are quite strong. The company reported a net profit of ₹1,289.97 crores, reflecting an impressive growth of 11.24% quarter-on-quarter and 18.54% year-on-year. Additionally, net interest income reached ₹7,898.21 crores, which is a 5.43% increase from the previous quarter and a robust 17.31% increase compared to the same quarter last year.<BR><BR>The company's return on equity (ROE) stands at 17.91%, indicating excellent capital efficiency. The profit after tax margin also improved to 16.33%, up from 15.48% in the previous quarter, showcasing effective cost management and operational efficiency.<BR><BR>However, despite these positive financial metrics, the stock has faced some recent challenges. It has declined by 4.06% over the past month and is currently trading below its major moving averages, indicating some technical weakness. This suggests that while the fundamentals are strong, investor sentiment may be cautious at this time.<BR><BR>Overall, the results indicate solid performance in terms of profitability and operational metrics, but the stock's recent underperformance may warrant a closer look for potential investors.

Should I buy, sell or hold Cholamandalam Investment & Finance Company Ltd?

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 17-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is 1,527.00, reflecting a slight increase but significant declines over the past week and month. Despite strong long-term fundamentals and increased investor participation, the stock is currently underperforming and facing downward pressure.

As of 17-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is currently at 1,527.00, reflecting a slight increase of 0.3 (0.02%). Despite this minor rise, the stock has shown a significant decline over the past week and month, with returns of -5.84% and -11.86%, respectively. Year-to-date, the stock is down by 10.30%, although it has performed positively over the past year with a gain of 4.59%.<BR><BR>Today's performance indicates that the stock has underperformed its sector by 0.78%, although it has seen a consecutive gain over the last two days, accumulating a total return of 0.85%. However, it is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically suggests a bearish trend.<BR><BR>On a positive note, there has been a notable increase in investor participation, with delivery volume rising by 118.96% against the 5-day average, indicating growing interest in the stock. Additionally, the company demonstrates strong long-term fundamentals, with an average return on equity (ROE) of 17.68% and healthy operating profit growth.<BR><BR>Overall, while there are some positive indicators such as increased investor participation and strong fundamentals, the stock's recent performance trends and underperformance relative to benchmarks suggest that it is currently facing downward pressure.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 18-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is declining, currently at 1,520.60, down 0.5%. The stock has underperformed its sector and is trading below all key moving averages, indicating a bearish trend despite some long-term fundamentals.

As of 18-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is falling, currently at 1,520.60, reflecting a decrease of 7.6 points or 0.5%. This decline is evident as the stock has underperformed its sector by 1.85% today and has experienced a trend reversal after two consecutive days of gains. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>In the past week, the stock has dropped by 2.36%, while over the past month, it has seen a more significant decline of 11.44%. Year-to-date, the stock is down 10.67%, although it has shown some resilience over the past year with a slight increase of 0.35%. The recent performance suggests a challenging environment for the stock, despite its strong long-term fundamentals, such as a healthy average Return on Equity (ROE) of 17.68% and significant growth in operating profit.<BR><BR>Investor participation has increased, with a delivery volume of 16.31 lacs on 17 March, which is up by 36.09% compared to the 5-day average. However, this rise in participation has not translated into positive price movement, as the stock continues to face downward pressure. Overall, the combination of recent price trends, moving averages, and sector performance indicates that Cholamandalam Investment & Finance Company Ltd is currently experiencing a decline in its stock price.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 19-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is declining, currently at 1,454.50, down 4.62%. The stock has underperformed the market, with significant declines over various time frames, indicating a bearish trend influenced by broader sector performance.

As of 19-Mar, Cholamandalam Investment & Finance Company Ltd is experiencing a decline in its stock price, currently at 1,454.50, which reflects a change of -70.4 (-4.62%). The stock has underperformed compared to the broader market, with a 1-week decline of -4.55% against the Sensex's -2.40%. Over the past month, the stock has fallen by -12.88%, while the Sensex has decreased by -10.05%. Year-to-date, Cholamandalam's stock is down -14.55%, compared to a -12.92% drop in the Sensex.<BR><BR>Today's performance indicates a continuation of this downward trend, as the stock has been losing for the last two days, with a total decline of -4.82% during this period. It opened with a loss of -2.58% and reached an intraday low of Rs 1,445.15, marking a decrease of -5.23%. The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>Additionally, the finance/NBFC sector has also seen a decline of -3.83%, contributing to the negative sentiment surrounding Cholamandalam. Despite a rise in investor participation, with delivery volume increasing by 4.66% against the 5-day average, the overall market conditions and sector performance appear to be weighing heavily on the stock's price.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 20-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is at 1,442.00, down 0.86%, and has underperformed the market with a 4.77% decline over the past week. Despite strong long-term fundamentals, the stock is experiencing bearish trends and declining investor interest.

As of 20-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is falling, currently at 1,442.00, reflecting a decrease of 12.5 points or 0.86%. The stock has been underperforming relative to the broader market, as evidenced by its performance over various periods. Over the past week, the stock has declined by 4.77%, while the Sensex has remained relatively stable with a decrease of only 0.04%. In the last month, the stock has dropped by 13.71%, compared to a 10.00% decline in the Sensex.<BR><BR>The stock has also experienced a consecutive fall over the last three days, with a total decline of 5.64% during this period. Additionally, Cholamandalam is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. <BR><BR>Investor participation appears to be waning, as shown by a significant drop in delivery volume, which fell by 27.88% against the 5-day average. Despite these negative indicators, the company maintains strong long-term fundamentals, including a healthy return on equity and impressive growth in operating profit. However, the current market sentiment and recent performance metrics suggest that the stock is facing downward pressure.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 23-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is at 1,381.55, down 4.08% and significantly underperforming with a 9.51% decline over the past week. The stock is trading near its 52-week low and below all major moving averages, indicating a bearish trend amid negative investor sentiment.

As of 23-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is falling, currently at 1,381.55, which reflects a decrease of 58.7 points or 4.08%. The stock has been underperforming significantly, with a decline of 9.51% over the past week and 18.28% over the last month, compared to the Sensex's declines of 3.72% and 12.72%, respectively. <BR><BR>The stock has also been losing value for four consecutive days, resulting in a total drop of 9.6% during this period. It is trading close to its 52-week low, just 1.65% above the low of Rs 1,358.75. Additionally, it is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>The finance/NBFC sector has experienced a decline of 3.81%, which may also be contributing to the stock's downward movement. Despite some positive factors, such as strong long-term fundamentals and high institutional holdings, the recent performance metrics suggest that investor sentiment is currently negative, leading to the stock's decline.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 24-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is rising to Rs 1,428.00 after a trend reversal, despite recent declines over the past week and month. The stock shows strong long-term fundamentals and outperformed its sector today, indicating a potential for recovery.

As of 24-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at Rs 1,428.00, reflecting an increase of Rs 46.45 or 3.36%. This rise comes after a trend reversal, as the stock has gained after four consecutive days of decline. Additionally, it outperformed its sector by 1.04% today, indicating a relative strength compared to its peers.<BR><BR>Despite the positive movement today, the stock has experienced significant declines over the past week and month, with losses of 6.56% and 17.71%, respectively. It is also trading lower than its moving averages across various time frames, suggesting that the overall trend has been downward. However, the stock remains 4.85% away from its 52-week low, which may provide some support.<BR><BR>The company has shown strong long-term fundamentals, with an average Return on Equity (ROE) of 17.68% and healthy growth in operating profit at an annual rate of 26.37%. Recent positive financial results, including record net sales and cash equivalents, contribute to a favorable outlook. Furthermore, high institutional holdings at 44.11% indicate confidence from larger investors, who typically have more resources to analyze the company's fundamentals.<BR><BR>In summary, the stock's current rise can be attributed to a short-term recovery after a series of declines, positive sector performance, and strong underlying fundamentals, despite the recent overall downward trend.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 25-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is rising to 1,474.25, up 4.1%, driven by strong investor interest and positive financial results despite a recent monthly decline. The stock has shown consistent gains and outperformed its sector, reflecting robust long-term fundamentals.

As of 25-Mar, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at 1,474.25, reflecting an increase of 58.1 or 4.1%. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 1.18% today and has been on a consecutive gain streak for the last two days, accumulating a total return of 6.71% during this period. Additionally, the stock opened with a gain of 2.66% today and reached an intraday high of Rs 1,483.3, marking a rise of 4.74%.<BR><BR>Investor participation has also increased, as indicated by a delivery volume of 17.53 lacs on 24 March, which is up by 18.01% compared to the 5-day average delivery volume. This suggests a growing interest among investors. Furthermore, the finance sector as a whole has gained by 2.91%, contributing positively to the stock's performance.<BR><BR>Despite some negative trends over longer periods, such as a decline of 15.97% over the past month, the company's strong long-term fundamentals, including a healthy average Return on Equity (ROE) of 17.68% and significant growth in operating profit, support the stock's current rise. The positive financial results reported for December, including record net sales and cash equivalents, further bolster investor confidence, leading to the observed increase in stock price.

Which are the latest news on Cholaman.Inv.&Fn?