# CHOLAFIN (CHOLAFIN) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/cholafin

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹1,800
- Change: +2.01%
- As of: 2026-09-18
- 1D return: +2.01%
- 5D return: -3.17%
- 1M return: -4.71%
- Latest complete quarter: fy27_q1

## Faxioms Analysis

_As of 2026-09-18_

### Technical Outlook

As of September 18, 2026, CHOLAFIN is trading at ₹1800.0, with a daily technical stance indicating a bearish trend, evidenced by the price being below key moving averages like the 20-day EMA (₹1826.5) and the Supertrend indicator (₹1912.76). This contrasts with a bullish trend observed on the monthly timeframe, where the price is above the 20-day EMA (₹1618.67) and Supertrend (₹1174.47). The weekly timeframe also shows a bullish trend, with the price above its 20-day EMA (₹1764.69) and Supertrend (₹1571.99). This divergence suggests short-term weakness within a longer-term upward bias.

Nearest support is observed around ₹1789.27, approximately 0.6% below the current price. Resistance is noted near ₹1814.03, about 0.78% overhead. Recent market activity includes an unusual downward price move on September 15, 2026 (-3%), and an extreme upward price move with high volume on September 10, 2026 (2% return with a 3.02 volume ratio). A "Morning Star" pattern was identified on the daily chart as of September 18, 2026, which can sometimes signal a potential reversal.

The stock's setup carries a degree of risk, with annualized volatility at 34% and a current drawdown of -7%. The maximum drawdown observed has been -25%. Key conditions to watch include a sustained break above the ₹1814.03 resistance level, which could strengthen the bullish case, and a close below the ₹1789.27 support level, which might indicate further downside pressure.

- Current price on September 18, 2026: ₹1800.0.
- Daily trend is bearish (price below key averages), while weekly and monthly trends are bullish.
- Nearest support level: ₹1789.27.
- Nearest resistance level: ₹1814.03.
- Watch for a break above ₹1814.03 or below ₹1789.27 for potential trend confirmation.

- Morning Star
- Doji
- Evening Star
- Hammer
- Harami

### News Context

The Supreme Court on September 16, 2026, issued a significant directive to the Reserve Bank of India (RBI) concerning the repossession of vehicles financed by Non-Banking Financial Companies (NBFCs) and banks. The court emphasized that financial institutions must adhere to due legal processes and cannot seize vehicles arbitrarily. In a specific case involving Cholamandalam Investment and Finance Company Ltd (CHOLAFIN), the court ordered the company to close the loan accounts of a truck owner and refund ₹4.5 lakh, along with 6% annual interest, which had been realized from the sale of his vehicle. Compensation was also awarded for mental agony and livelihood loss. This ruling aims to prevent borrowers from being dispossessed of their vehicles without proper legal recourse. Separately, on September 15, 2026, foreign institutional investors increased their selling of Indian equities, contributing to the benchmark Nifty index reaching a five-month low.

- On September 16, 2026, the Supreme Court directed the RBI to ensure NBFCs and banks comply with norms on vehicle seizure, preventing forcible repossession.
- The court ordered CHOLAFIN to close a truck owner's loan account and refund ₹4.5 lakh plus 6% annual interest, along with compensation for mental agony and livelihood loss.
- The ruling mandates that financial institutions must follow due legal process for vehicle repossession.
- On September 15, 2026, foreign investors increased selling of Indian equities as the Nifty index hit a five-month low.

- Supreme Court Asks RBI To Issue Directions To Prevent Forcible Repossession Of Vehicles By Banks, NBFCs
- SC Tells RBI To Rein In Forcible Vehicle Seizures
- SC asks RBI to secure compliance of norms on seizure of financed vehicles by NBFCs, banks
- Financiers Cannot Repossess Vehicles By Force : Supreme Court Awards Rs 10 Lakh Compensation To Truck Owner
- Foreign investors step up selling as Nifty hits five-month low

### What Changed

As of September 18, 2026, Cholamandalam Investment and Finance Company (CHOLAFIN) has seen a slight increase in its stock price, moving from ₹1764.5 to ₹1800.0. This change occurred between an unspecified prior date and the observation date of September 18, 2026. The company continues to be listed on the NSE. No new filings or news developments were reported in the provided evidence pack.

- Stock price increased from ₹1764.5 to ₹1800.0 as of September 18, 2026.
- The company remains listed on the NSE.
- No new filings or news were reported as of September 18, 2026.

### Official Filings

Cholamandalam Investment and Finance Company Limited has reported the allotment of 244,596 equity shares on September 11, 2026, pursuant to its Employee Stock Option Plan (ESOP). This issuance increased the company's paid-up share capital and the total number of shares outstanding. The company also confirmed timely payments for interest and principal on two Non-Convertible Debt securities on September 9, 2026. Additionally, record dates were set in September and October 2026 for interest payments and potential conversion of various debenture series, with coupon rates ranging from 7.50% to 9.15%.

- On September 11, 2026, 244,596 equity shares were allotted under ESOP, increasing the company's paid-up share capital.
- On September 9, 2026, the company confirmed full redemption and interest payments for two Non-Convertible Debt securities.
- Record dates were set in September and October 2026 for interest payments and conversion of debentures maturing between 2030 and 2033.
- Interest rates on these debentures range from 7.50% to 9.15%.

- Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 244596 securities pursuant to ESOP/ESPS at its meeting held on September 11, 2026 |SUBJECT: Allotment of Securities
- CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
- Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal
- Record Date Updates |SUBJECT: Record Date Updates
- Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal
- Record Date Updates |SUBJECT: Record Date Updates

### Fundamentals

Cholamandalam Investment and Finance Company (CHOLAFIN) has demonstrated a consistent upward trajectory in its financial performance, with revenue from operations growing from ₹7,108 crore in FY2019 to ₹19,163 crore in FY2024. This growth has been accompanied by an increase in Net Profit, which rose from ₹1,197 crore in FY2019 to ₹3,420 crore in FY2024. The company's Return on Equity (ROE) has remained robust, holding steady at 20% from FY2022 to FY2025 before a slight projected dip to 19% in FY2026.

Financially, CHOLAFIN's balance sheet shows a significant increase in Borrowing, from ₹50,567 crore in March 2019 to ₹134,475 crore in March 2024, and projected to reach ₹175,036 crore by March 2025. This expansion in borrowing is mirrored by a substantial rise in Total Assets, from ₹57,490 crore in March 2019 to ₹156,686 crore in March 2024. The company's cash flow from operations has consistently been negative, with a CFO/OP ratio ranging from -157.0 in FY2019 to -249.0 in FY2024, indicating reliance on financing activities to fund its operations and investments. Cash flow from financing activities has been positive and growing, reaching ₹38,471 crore in FY2024, suggesting active debt and equity raising to support its asset growth.

Looking ahead, projected revenue from operations is expected to reach ₹8,416.71 crore in Q4 FY2025-26 and ₹8,856.29 crore in Q1 FY2026-27. Net profit is projected to grow to ₹1,645 crore in FY2026. Key areas to monitor include the company's ability to manage its increasing borrowing levels, the trend in its operating cash flow, and the sustainability of its profitability margins amidst rising finance costs.

- Revenue from operations increased from ₹7,108 crore in FY2019 to ₹19,163 crore in FY2024.
- Net Profit grew from ₹1,197 crore in FY2019 to ₹3,420 crore in FY2024.
- Return on Equity (ROE) was 20% for FY2022 through FY2025.
- Borrowing increased from ₹50,567 crore in March 2019 to ₹134,475 crore in March 2024.
- Cash flow from operations has been negative across all reported periods, with a CFO/OP ratio of -249.0 in FY2024.

### Bull Case

Cholamandalam Investment and Finance Company (CHOLAFIN) has demonstrated significant growth in its profit and sales over the past five years, with compounded annual growth rates of 28% and 27% respectively. This growth trend has continued into the trailing twelve months (TTM), with profit growth at 29% and sales growth at 20%. The company's balance sheet shows an increase in Equity Capital from ₹156 crore in March 2019 to ₹164 crore in March 2020, alongside a substantial rise in Reserves from ₹6,052 crore to ₹8,036 crore over the same period. Fixed Assets also saw a notable increase from ₹167 crore to ₹283 crore between March 2019 and March 2020. On a technical front, the weekly trend indicates a bullish setup, with the Supertrend indicator at 1571.99 and the 20-day Exponential Moving Average (EMA) showing a positive slope.

- Compounded profit growth was 28% over 5 years and 29% on a TTM basis.
- Compounded sales growth was 27% over 5 years and 20% on a TTM basis.
- Reserves increased from ₹6,052 crore (Mar 2019) to ₹8,036 crore (Mar 2020).
- Fixed Assets grew from ₹167 crore (Mar 2019) to ₹283 crore (Mar 2020).

- Supreme Court Asks RBI To Issue Directions To Prevent Forcible Repossession Of Vehicles By Banks, NBFCs
- SC Tells RBI To Rein In Forcible Vehicle Seizures
- SC asks RBI to secure compliance of norms on seizure of financed vehicles by NBFCs, banks
- Financiers Cannot Repossess Vehicles By Force : Supreme Court Awards Rs 10 Lakh Compensation To Truck Owner
- Foreign investors step up selling as Nifty hits five-month low

### Bear Case

Cholamandalam Investment and Finance Company's balance sheet shows a significant increase in borrowing, rising from ₹50,567 crore in March 2019 to ₹55,005 crore in March 2020. While total assets also grew, the company's cash flow from operations has been negative in both periods, with a notable decrease in cash generated from financing activities in March 2020 compared to the previous year. Recent news indicates regulatory scrutiny, with the Supreme Court directing the RBI to issue guidelines against the forcible repossession of vehicles by NBFCs and banks, and ordering a specific firm to close loan accounts and refund money to a truck owner. This suggests potential operational constraints and legal challenges related to asset recovery practices.

- Borrowing increased to ₹55,005 crore as of March 2020 from ₹50,567 crore in March 2019.
- Cash flow from operations was negative, reported at -₹2,075 crore for March 2020 and -₹9,317 crore for March 2019.
- Cash from financing activities decreased to ₹2,452 crore in March 2020 from ₹12,191 crore in March 2019.
- Recent Supreme Court rulings highlight regulatory concerns regarding vehicle repossession practices by NBFCs.

- Supreme Court Asks RBI To Issue Directions To Prevent Forcible Repossession Of Vehicles By Banks, NBFCs
- SC Tells RBI To Rein In Forcible Vehicle Seizures
- SC asks RBI to secure compliance of norms on seizure of financed vehicles by NBFCs, banks
- Financiers Cannot Repossess Vehicles By Force : Supreme Court Awards Rs 10 Lakh Compensation To Truck Owner
- Foreign investors step up selling as Nifty hits five-month low

### FAQs

**What was the impact of the Supreme Court's ruling on vehicle repossessions for Cholamandalam Investment and Finance Company?**

The Supreme Court directed the Reserve Bank of India (RBI) to ensure Non-Banking Financial Companies (NBFCs) and banks comply with norms on vehicle repossession. In one specific judgment on September 16, 2026, the court ordered Cholamandalam Investment and Finance Company to close the loan accounts of a truck owner and refund ₹4.5 lakh realized from the sale of his vehicle, along with 6% annual interest. The ruling emphasized that financiers cannot forcibly repossess vehicles without due legal process and awarded compensation for mental agony and livelihood loss in that instance.

**How has Cholamandalam Investment and Finance Company's borrowing and reserves changed between March 2019 and March 2020?**

Between March 2019 and March 2020, Cholamandalam Investment and Finance Company's borrowing increased from ₹50,567 to ₹55,005. Over the same period, its reserves grew from ₹6,052 to ₹8,036.

**What has been the recent trend in Cholamandalam Investment and Finance Company's stock price based on technical indicators?**

As of September 18, 2026, the daily trend for Cholamandalam Investment and Finance Company shows a bearish Supertrend direction with the Supertrend level at 1912.76, while the closing price was 1800.0. However, the weekly trend indicates a bullish Supertrend direction with the Supertrend level at 1571.99. The monthly trend also shows a bullish Supertrend direction at 1174.47.

**What were the recent debt redemptions and interest payments made by the company?**

On September 9, 2026, Cholamandalam Investment and Finance Company confirmed timely interest payments and full redemption for two Non-Convertible Debt securities (ISINs INE121A07RF6 and INE121A07RD1). Interest payments amounted to ₹135.44 lakh and ₹284.35 lakh, respectively, with full redemptions of ₹20,188.47 lakh and ₹1,129.26 lakh completed, resulting in zero outstanding amounts for these securities.

- Supreme Court Asks RBI To Issue Directions To Prevent Forcible Repossession Of Vehicles By Banks, NBFCs
- SC Tells RBI To Rein In Forcible Vehicle Seizures
- SC asks RBI to secure compliance of norms on seizure of financed vehicles by NBFCs, banks
- Financiers Cannot Repossess Vehicles By Force : Supreme Court Awards Rs 10 Lakh Compensation To Truck Owner
- Foreign investors step up selling as Nifty hits five-month low
- Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 244596 securities pursuant to ESOP/ESPS at its meeting held on September 11, 2026 |SUBJECT: Allotment of Securities
- CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
- Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal
- Record Date Updates |SUBJECT: Record Date Updates
## Technical analytics

- As of: 2026-09-18
- Daily trend: Weak Downtrend
- Weekly trend: Weak Uptrend
- Pivot point: ₹1,768.43
- Risk regime: Price Risk Currently Contained

### Support levels
- 1622.0625
- 1530.975
- 1459.05

### Resistance levels
- 1824.5
- 1866.2
- 1907

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +2.01% |
| return_10 | -2.67% |
| return_1m | -3.64% |
| return_1y | +13.45% |
| return_20 | -4.71% |
| return_3m | +6.58% |
| return_5 | -3.17% |
| return_6m | +18.09% |
| return_since_start | +51.98% |
| return_ytd | +4.41% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | contained_risk |
| label | Price risk currently contained |
| summary | Recent drawdown and price variability remain within the producer's contained-risk thresholds. |
| maximum_drawdown | -24.96% |
| annualized_volatility | +33.83% |

## Quarterly financials

- Latest complete quarter: fy27_q1

# Revenue and profit rise year-over-year, but sequential profit growth slows as costs and tax increase

Cholamandalam Investment and Finance Company reported a 21.9% increase in revenue from operations compared to the same quarter last year, reaching ₹8,856.29 crore for the quarter ended June 30, 2026 (FY2026-27 Q1). Net profit rose 45.6% year-over-year to ₹1,656.22 crore. Compared to the previous quarter, revenue grew 5.2% while net profit increased by only 0.7%. The slower sequential advance coincided with faster growth in finance costs and credit provisions, alongside a higher effective tax rate.

## Revenue and Interest Income

Interest earned, the primary revenue source, increased 20.9% year-over-year and 5.7% quarter-over-quarter to ₹8,048.11 crore. Fees and commission income contributed ₹594.35 crore in the quarter. Other income declined 31.6% from the previous quarter to ₹100.39 crore, though it remained 16.3% higher than a year ago. Total revenue from operations grew 21.9% year-over-year and 5.2% quarter-over-quarter.

## Expense Trends

Finance costs, the largest expense category, rose 15.5% year-over-year and 6.8% quarter-over-quarter to ₹4,007.37 crore. The sequential increase in finance costs outpaced the sequential growth in revenue. Impairment on financial instruments (credit provisions) increased 4.5% year-over-year and 9.0% quarter-over-quarter to ₹922.06 crore. Other expenses decreased 11.7% from the previous quarter to ₹581.13 crore, but were 24.1% higher than a year ago. Employee benefit expense totaled ₹1,148.99 crore in the quarter.

## Profitability and Tax

Profit before tax rose 45.1% year-over-year to ₹2,222.07 crore, but increased only 3.7% quarter-over-quarter. Tax expense grew 43.9% year-over-year and 13.9% quarter-over-quarter to ₹567.34 crore. The effective tax rate rose from 23.3% in the previous quarter to 25.5% in the current quarter. Consequently, net profit grew 45.6% year-over-year but only 0.7% quarter-over-quarter to ₹1,656.22 crore.

## Segment Results

Segment revenue from operations was ₹8,956.68 crore, and segment profit before tax was ₹2,223.56 crore. Both segment measures align closely with the consolidated revenue and profit before tax figures, indicating that the reported performance broadly reflects the consolidated business.

## Key Takeaway

Year-over-year revenue and profit increased significantly, while sequential profit growth slowed to less than one percent. The slower sequential advance coincided with faster increases in finance costs and credit provisions, alongside a higher effective tax rate.

### Ratios

## Official filings

- 2026-09-11 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_11092026201916_SE_intimation_letter_244596_shares.pdf)
- 2026-09-11 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20260911_202714235.xml)
- 2026-09-09 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_09092026203439_InterestIntimation9thSep2026NSE.pdf)
- 2026-09-09 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_09092026203439_InterestIntimation9thSep2026NSE.pdf)
- 2026-09-07 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_07092026194328_RecordDateIntimationSepOct2026NSE.pdf)
- 2026-09-07 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_07092026194328_RecordDateIntimationSepOct2026NSE.pdf)
- 2026-09-07 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_07092026194328_RecordDateIntimationSepOct2026NSE.pdf)
- 2026-09-07 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_07092026194450_InterestIntimation7thSep2026NSE.pdf)
- 2026-09-01 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_01092026211745_RecordDateIntimationSep26NSECCD.pdf)
- 2026-09-01 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_01092026212221_RecordDateIntimationCPSepOct26NSE.pdf)
- 2026-09-01 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_01092026212221_RecordDateIntimationCPSepOct26NSE.pdf)
- 2026-09-01 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20260901_211330368.xml)
- 2026-09-01 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/JashJS_01092026211611_NSEIntimationSEBIReg30Allotment01Sep26NCDSeriesPDI43.pdf)
- 2026-08-31 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_31082026210954_InterestIntimation31stAugust2026NSE.pdf)
- 2026-08-26 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_26082026225540_Intimation_NOC_Reclassification_Aug2026.pdf)
- 2026-08-21 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20260821_184140287.xml)
- 2026-08-21 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/RSS/Online_announcements.xml)
- 2026-08-21 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_21082026215905_CertificateofPaymentObligation21stAugust2026.pdf)
- 2026-08-17 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_18082026010503_CertificateofPaymentObligation17thAugust2026.pdf)
- 2026-08-14 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_14082026183403_CertificateofPaymentObligation14thAugust2026.pdf)
- 2026-08-13 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_13082026073229_Allotment_43050shs_August2026.pdf)
- 2026-08-13 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20260813_074134816.xml)
- 2026-08-10 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_10082026102036_InterestIntimation7thAugust2026NSE.pdf)
- 2026-08-10 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_10082026172920_InterestIntimation10thAugust2026NSE.pdf)
- 2026-08-10 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_10082026171326_InterestIntimation10thAugust2026NSE.pdf)

## News and market events

- 2026-09-18 — CNBC-TV18: **Dalal Street gains for 3rd straight day: 5 reasons behind today’s rally** — The Nifty Bank gained 303 points to 56,359, while the Midcap index climbed 759 points to 62,191. Market breadth favoured advances, with the advance-decline ratio at 2:1. — [Source](https://www.cnbctv18.com/market/dalal-street-gains-for-3rd-straight-day-5-reasons-behind-todays-rally-19993682.htm)
- 2026-09-17 — LIVELAW.IN: **Supreme Court Asks RBI To Issue Directions To Prevent Forcible Repossession Of Vehicles By Banks, NBFCs** — The Supreme Court on Wednesday (16.09.2026) has directed the Reserve Bank of India (RBI) to take effective steps to secure genuine compliance by Non-Banking Financial Companies (NBFC) and Scheduled... — [Source](https://www.livelaw.in/supreme-court/supreme-court-asks-rbi-to-issue-directions-to-prevent-forcible-repossession-of-vehicles-by-banks-nbfcs-550376)
- 2026-09-16 — DECCANCHRONICLE.COM: **SC Tells RBI To Rein In Forcible Vehicle Seizures** — The direction came in a judgment ordering Cholamandalam Investment and Finance Company Ltd to close the loan accounts of a truck owner and refund ₹4.5 lakh realised from the sale of his vehicle, along with six per cent annual interest. — [Source](https://www.deccanchronicle.com/nation/sc-tells-rbi-to-rein-in-forcible-vehicle-seizures-1988062)
- 2026-09-16 — Economic Times: **SC asks RBI to secure compliance of norms on seizure of financed vehicles by NBFCs, banks** — The Supreme Court mandated the RBI to enforce lawful vehicle repossession rules. Financial institutions cannot seize vehicles without due legal process. The court ordered a finance firm to close loan accounts and refund money. Compensation was awarded for mental agony and livelihood loss. This ruling ensures borrowers are not dispossessed of vehicles arbitrarily. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/sc-asks-rbi-to-secure-compliance-of-norms-on-seizure-of-financed-vehicles-by-nbfcs-banks/articleshow/134291106.cms)
- 2026-09-16 — LIVELAW.IN: **Financiers Cannot Repossess Vehicles By Force : Supreme Court Awards Rs 10 Lakh Compensation To Truck Owner** — The Court urged the RBI to issue guidelines to prevent forcible possession of hypothecated vehicles. — [Source](https://www.livelaw.in/supreme-court/financiers-cannot-repossess-vehicles-by-force-supreme-court-awards-rs-10-lakh-compensation-to-truck-owner-550357)
- 2026-09-15 — CNBC-TV18: **Foreign investors step up selling as Nifty hits five-month low** — Foreign institutional investors stepped up selling of Indian equities on Tuesday, while domestic investors absorbed much of the selling, as the benchmark Nifty fell to a five-month low. — [Source](https://www.cnbctv18.com/market/foreign-investors-step-up-selling-as-nifty-hits-five-month-low-19991296.htm)
- 2026-09-15 — CNBC-TV18: **Market falls for 3rd straight day, Nifty at lowest levels in 5 months: 5 reasons behind the fall** — Financials, defence and capital goods stocks led the sell-off, while the broader market saw a sharp fall, with the Midcap index down 1,319 points, or over 2%, at 60,878. — [Source](https://www.cnbctv18.com/market/market-falls-for-3rd-straight-day-nifty-at-lowest-levels-in-5-months-5-reasons-behind-the-fall-19991028.htm)
- 2026-09-15 — Times of India: **Top stocks to buy: Stock recommendations for September 15, 2026 week - check list** — India Business News: Stock market recommendations: Emcure Pharmaceuticals, and Cholamandalam Investment & Finance Company Ltd - Motilal Oswal Wealth Management Researc. — [Source](https://timesofindia.indiatimes.com/business/india-business/top-stock-recommendations-for-september-15-2026-week-emcure-pharmaceuticals-cholamandalam-investment-finance-company-stocks-to-buy-today/articleshow/134250782.cms)
- 2026-09-08 — BUSINESSTODAY: **Gold-loan NBFCs stare at tougher competition as banks enter the market** — Gold loans, NBFCs, Muthoot Finance, Manappuram Finance, Bank competition — [Source](https://www.businesstoday.in/industry/banks/story/gold-loan-nbfcs-stare-at-tougher-competition-as-banks-enter-the-market-553801-2026-09-08)
- 2026-08-26 — BUSINESS: **Volumes jump at Phoenix Mills Ltd counter** — Phoenix Mills Ltd saw volume of 1.28 lakh shares by 10:45 IST on BSE, a 16.81 fold spurt over two-week average daily volume of 7623 shares — [Source](https://www.business-standard.com/markets/capital-market-news/volumes-jump-at-phoenix-mills-ltd-counter-126082600292_1.html)
- 2026-08-25 — MONEYCONTROL: **Cholamandalam to sell largest India perpetual bonds by a non-bank** — cholamandalam, cholamandalam investment and finance — [Source](https://www.moneycontrol.com/banking/cholamandalam-to-sell-largest-india-perpetual-bonds-by-a-non-bank-article-14014885.html)
- 2026-08-14 — The Hindu: **Q1 Results Today Live: BDL, Ashok Leyland, 3M India Q1 PAT rise y-o-y, NATCO Pharma, Alkem Lab PAT decline, NMDC, Voltas, Cochin Shipyard, Physicswallah, PTC Ind, Borosil to announce Q1 results** — Q1 Results Today, 14th August 2026 Live Updates:  Follow Q1FY27 live updates from businessline — [Source](https://www.thehindubusinessline.com/markets/q1-results-today-live-updates-ashok-leylad-nmdc-alkem-lab-bharat-dynamics-voltas-3m-india-cochin-shipyard-physicswallah-cholamandalam-fin-ptc-ind-natco-pharma-tmpv-results-14-august-2026/article71340415.ece)
- 2026-08-14 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Nifty recovers 100 pts from lows to turn green** — Sensex Today | Stock Market LIVE Updates: We are the half way mark of the day's trade and the markets remain in red. The markets are under pressure, with the Nifty index falling towards the 24,300 mark. The Nifty Bank is also trading on similar ground, falling below the 57,500 mark. Tata Motors PV, Hindalco, Max Health are the top losers. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-sensex-hdfc-bank-nifty-bank-q1-earnings-tata-motors-max-fin-defence-bdl-share-price-liveblog-19969121.htm)
- 2026-08-14 — The Hindu: **Sensex today | Stock Market Live: Sensex below 77,900, Nifty near 24,350 as West Asia tensions persist** — Sensex, Nifty, Share Prices LIVE:  Indian equities remained subdued in noon trade on Friday, with persistent West Asia tensions and continued foreign selling weighing on sentiment. Easing expectations of a September US Fed rate hike and softer crude prices offered limited support, restricting the market’s decline. — [Source](https://www.thehindubusinessline.com/markets/sensex-nifty50-today-stock-market-live-updates-14th-august-2026/article71341547.ece)
- 2026-08-08 — Economic Times: **Banks or NBFCs? DSP's Preethi R S explains where she sees the best opportunities** — DSP Mutual Funds Preethi R S remains constructive on Indias financial sector, favouring lenders with strong deposit franchises, disciplined underwriting and execution. She sees healthy retail and SME credit demand, early corporate lending recovery and opportunities across banks, NBFCs and non-lending financials amid Indias long-term financialisation. — [Source](https://economictimes.indiatimes.com/markets/expert-view/banks-or-nbfcs-dsps-preethi-r-s-explains-where-she-sees-the-best-opportunities/articleshow/133047427.cms)
- 2026-07-31 — The Hindu: **Q1 Results Today Live: Leela Palaces Q1 profit rises y-o-y, Bajaj Finserv, Voltamp Transformers, Strides Pharma, Shadowfax, Aether Q1 profit rise, Intellect Design profit dips, Maruti Suzuki, Sun Pharma, ITC, IOC, Dixon, Glenmark to announce Q1 results** — Q1 Results Today, 31st July 2026 Live Updates: Stay tuned for more from businessline — [Source](https://www.thehindubusinessline.com/markets/q1-results-today-live-updates-maruti-suzuki-sun-pharma-dixon-tech-bajaj-holdings-abb-india-kirloskar-brothers-bluedart-glenmark-pharma-bajaj-finserv-itc-ioc-aether-ind-results-31-july-2026/article71285346.ece)
- 2026-07-29 — The Hindu: **Q1 Results Today Live: Cartrade Tech profit up, Maharashtra Scooters Q1 PAT declines, Adani Enterprises, Adani Ports, Asian Paints, Eicher Motors, Waaree Energies, Colgate, Prestige Estates, Syrma SGS Tech, Hexaware Tech, Dabur, Vedanta Oil, ACME Solar to announce Q1 results** — Q1 Results Today, 29th July 2026 Live Updates: Stay tuned for more from businessline — [Source](https://www.thehindubusinessline.com/markets/q1-results-today-live-updates-adani-enterprises-adani-ports-asian-paints-eicher-motors-waaree-energies-colgate-prestige-estates-syrma-sgs-tech-dabur-hexaware-tech-vedanta-oil-acme-results-29-july-2026/article71276282.ece)
- 2026-07-29 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Cartrade Tech falls 8% from highs after result; Nifty up 250 pts** — Sensex Today | Stock Market LIVE Updates: The markets are on the rise, and are trading on a stromg footing. The Nifty up over 200 points, jumping to 24,200. The Nifty Bank index is up 300 points, rising to 57,000. Infosys, Larsen & Toubro and HUL are the top gainers. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-hul-asian-paints-adani-oil-lt-grse-it-dmart-share-price-liveblog-19956206.htm)

## Business profile

**Strategic vision:** Indian non-banking financial company offering diverse financial solutions.

### Business segments
- **Vehicle Finance:** Offers financing for new and used vehicles, including commercial vehicles, tractors, cars, and construction equipment.
- **Home Loans:** Provides loans for property purchase, construction, and balance transfer of existing home loans.
- **Loan Against Property:** Offers secured long-term loans against existing property.
- **SME Loans:** Supports business expansion for Small and Medium Enterprises.
- **Other Lending Solutions:** Includes Secured Business Personal Loans (SBPL), Consumer & Small Enterprises Loans (CSEL), Loan against Securities, rural and agriculture loans, gold loans, and corporate financing.
- **Payment Aggregation:** Provides offline payment aggregation services through its subsidiaries.
- **Stock Broking:** Offers stock broking services through its subsidiaries.
- **Insurance:** Provides insurance solutions through its subsidiaries.

### Competitive strengths
- Financial services arm of the Murugappa Group
- Diverse range of lending and financial services
- Subsidiary services extend reach into payment aggregation, stock broking, and insurance

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## Freshness and sources

- Data as of: 2026-09-18
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/cholafin
Markdown representation: https://faxioms.com/stocks/cholafin?render=md