# Cholamandalam Investment and Finance Company (CHOLAFIN) — Stock analysis

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

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹1,785
- Change: +1.42%
- As of: 2026-11-06
- 1D return: +1.42%
- 5D return: +12.55%
- 1M return: +15.61%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

As of 2026-11-06, CHOLAFIN exhibits a strong daily uptrend with the stock trading at ₹1785.00, closing near its recent high. The daily trend is established (ADX 33.39) and bullish, supported by price action above all key moving averages and the Supertrend indicator. This aligns with a bullish monthly structure (ADX 31.63), though the weekly timeframe shows conflicting signals with a bearish Supertrend direction despite price being above moving averages. Recent anomalies include a high-severity upward gap on 2026-11-03 (+1.6%) and a significant volume-price move on 2026-11-06 (+1.4%). The stock is positioned in the upper-middle of its 252-day range (+74.4%) and at the very top of its 20-day range (+100.0%). Immediate resistance lies at ₹1793.33 (0.47% above), while support is found at ₹1747.67 (2.09% below). Annualized volatility stands at +34.3%, with the current drawdown at -8.0%. A monthly Morning Star pattern is currently active, reinforcing the bullish bias.

- Trend Direction: Daily and monthly trends are bullish and established (ADX 30); weekly trend shows mixed signals with a bearish Supertrend but price above MAs.
- Price Positioning: Trading at ₹1785.00, near the upper end of the 20-day range (+100.0%) and upper-middle of the 252-day range (+74.4%).
- Key Levels: Immediate resistance at ₹1793.33 (+0.47%); first support at ₹1747.67 (-2.09%); secondary support at ₹1714.33 (-3.96%).
- Momentum & Risk: High-severity upward gap on 2026-11-03 and active monthly Morning Star pattern suggest bullish momentum; annualized volatility is +34.3%.

- Morning Star
- Inside Bar
- Bullish Engulfing Reversal
- Outside Bar
- Harami

### News Context

Cholamandalam Investment and Finance Company (CHOLAFIN) reported strong operational growth for Q2 FY27, with aggregate disbursements rising 47% year-on-year to ₹35,872 crores. Asset Under Management (AUM) expanded by 25% to ₹2,68,009 crores, driven by significant gains in Consumer Loans (+103%), SME Finance (+42%), and Vehicle Finance (+31%). The company also announced a proposal to raise up to ₹5,000 crores in capital to support this expansion, pending regulatory and shareholder approvals. Asset quality improved, with Gross Non-Performing Assets (GNPA) falling to 4.44%, while Return on Equity (ROE) reached 19.4%. Management reaffirmed full-year guidance of ~25% growth and net credit costs of ~1.4%, noting these targets were met in the first half. On the market front, CHOLAFIN closed at ₹1,785.0 on November 6, 2026, reflecting a 1-month return of +10.8% and a YTD return of +3.5%. Technical indicators show a bullish daily trend with resistance levels near ₹1,793.33 and ₹1,815.25.

- Q2 FY27 Disbursements grew 47% YoY to ₹35,872 crores; AUM rose 25% YoY to ₹2,68,009 crores.
- Capital raising proposal of up to ₹5,000 crores filed with NSE on November 4, 2026, subject to approvals.
- Asset quality metrics: GNPA declined to 4.44%; ROE stood at 19.4%.
- Stock price closed at ₹1,785.0 on Nov 6, 2026, with nearest resistance at ₹1,793.33.

- Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-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

### What Changed

As of 6 November 2026, Cholamandalam Investment and Finance Company (CHOLAFIN) has experienced a significant upward price movement on the NSE. The stock closed at ₹1785.00, representing an appreciation from its previous recorded level of ₹1658.00. This shift marks a material change in the equity's valuation metrics compared to earlier context. While specific corporate filings or news events were not reported alongside this price action, the distinct rise in share price is a key development for investors monitoring the company's market performance.

- Price Update: CHOLAFIN's share price reached ₹1785.00 as of 6 November 2026.
- Valuation Shift: The current price reflects an increase from the previous level of ₹1658.00.
- Market Context: No new corporate filings or news developments were reported during this period.

### Official Filings

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) disclosed significant capital expansion plans alongside strong H1 FY27 performance. The Board approved a Qualified Institutions Placement (QIP) to raise up to INR5,000 crores via equity shares or convertible securities, subject to shareholder and regulatory approvals. This fund-raising aims to support growth while maintaining capital adequacy as the company targets ~25% full-year growth.

Financially, consolidated profit after tax for the six months ended September 30, 2026, stood at INR5,232.61 crores. Aggregate disbursements grew 47% year-on-year to INR35,872 crores, with Assets Under Management (AUM) reaching INR2,68,009 crores (25% YoY). Asset quality improved, with Gross Non-Performing Assets (GNPA) falling to 4.44% and Return on Equity (ROE) rising to 19.4%. Management confirmed that net credit costs remained around 1.4%, meeting half-year guidance. Segment-wise, Consumer Loans showed robust growth (+103%), followed by SME Finance (+42%) and Vehicle Finance (+31%).

In corporate actions, the company allotted 1,20,202 equity shares following the exercise of Employee Stock Option Plans (ESOPs), increasing paid-up shares from 1,715,021,612 to 1,715,262,016. Additionally, Registrar and Transfer Agent KFin Technologies Limited will relocate its corporate office effective December 1, 2026. Record dates for November 2026 debt payments were also updated, with one payment date shifted to December 7, 2026, due to a bank holiday.

- Capital Raise: Board approved QIP to raise up to INR5,000 crores through equity/convertibles; requires shareholder and regulatory approval.
- H1 FY27 Performance: Consolidated PAT was INR5,232.61 crores; AUM grew 25% YoY to INR2,68,009 crores; GNPA improved to 4.44%; ROE rose to 19.4%.
- Growth Metrics: Disbursements increased 47% YoY to INR35,872 crores in Q2 FY27; management maintains full-year guidance of ~25% growth and ~1.4% net credit costs.
- Corporate Actions: Allotment of 1,20,202 ESOP shares completed; RTA address change effective December 1, 2026.

- [Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/lakshmits_04112026184158_TranscriptUpload_Nov2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261104_184826827.xml)
- [Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026190120_CertificateofPaymentObligation4thNov2026.pdf)
- [Record Date Updates |SUBJECT: Record Date Updates](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026193241_RecordDateIntimationNov2026NSE.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding Intimation of change in Corporate Office Address of RTA of the Company. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026214332_Intimation_RTA_Corporate_Office_Addresschange.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding 'Intimation of change in Corporate Office Address of RTA of the Company'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026220159_Intimation_RTA_Corporate_Office_Addresschange_revsd.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding the allotment of 120202 equity Shares pursuant to exercise of ESOPs |SUBJECT: ESOP/ESOS/ESPS](https://nsearchives.nseindia.com/corporate/lakshmits_29102026220658_Allotment_Intimation_120202shs_29Oct2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20261029_221703617.xml)
- [Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/lakshmits_28102026132533_Outcome.pdf)

### Fundamentals

Cholamandalam Investment and Finance Company (CHOLAFIN) demonstrates robust top-line expansion in Q2 FY2026-27, with revenue rising 24% year-on-year to ₹9,271 crore and net profit increasing 40.5% to ₹1,630 crore. This growth is underpinned by a significant expansion in its loan book, which grew from ₹1,94,235 crore to ₹2,40,357 crore over the trailing twelve months. However, earnings quality shows signs of pressure: while financing margins improved to 23% in Q2 Sep 2026, sequential profitability declined slightly as finance costs rose to ₹4,334 crore and impairment charges remained elevated at ₹874 crore. The company’s balance sheet reflects this aggressive lending posture, with borrowings increasing to ₹1,71,060 crore and fixed assets expanding to ₹2,206 crore. Cash flow dynamics remain challenging, with negative free cash flow of -₹30,263 crore for the year ended Mar 2026, indicating heavy reliance on external funding to support asset growth. Institutional ownership has shifted, with DIIs increasing their stake to 20.38% while promoters diluted slightly to 48.93%.

- Revenue grew 24% YoY to ₹9,271 crore in Q2 Sep 2026, driven by a 23.7% increase in loans to ₹2,40,357 crore.
- Net profit rose 40.5% YoY to ₹1,630 crore, though it decreased sequentially by 1.6% from Q1 due to higher finance costs (₹4,334 crore).
- Financing margin expanded to 23% in Q2 Sep 2026, up from 20% in the prior year period, signaling improved pricing power or asset yield.
- Borrowings increased to ₹1,71,060 crore as of Sep 2026, supporting asset growth but contributing to persistent negative free cash flow (-₹30,263 crore for FY2026).

### Bear Case

As of November 6, 2026, Cholamandalam Investment and Finance Company (CHOLAFIN) exhibits technical signals that warrant caution despite a bullish long-term trend. The stock is currently in an -8.0% drawdown from its peak, with a maximum historical drawdown of -25.4%, indicating significant volatility and downside risk for recent entrants. On the weekly timeframe, the Supertrend has turned bearish, and the ADX of 18.71 suggests weakening momentum rather than strong directional conviction. While the daily trend remains bullish with an ADX of 33.39, the price action shows resistance immediately above, with the nearest level at ₹1,793.33 just 0.47% away, limiting immediate upside potential. Furthermore, the 3-month return of -8.0% contrasts sharply with the 1-year return of +6.0%, highlighting a recent deterioration in performance over the intermediate term. Investors should monitor whether the price can hold above the pivot support at ₹1,747.67; a break below this level could expose further declines toward ₹1,714.33.

- Current price is in an -8.0% drawdown, approaching the nearest resistance at ₹1,793.33 (0.47% above), which may cap short-term gains.
- Weekly Supertrend is bearish with low momentum (ADX 18.71), contrasting with the daily bullish signal and suggesting intermediate-term weakness.
- 3-month return is negative (-8.0%), reversing the positive 1-year trend (+6.0%) and indicating recent underperformance.
- Support levels are defined at ₹1,747.67 (pivot) and ₹1,714.33 (low); a breach of these levels could accelerate downside given the high annualized volatility of +34.3%.

- [Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/lakshmits_04112026184158_TranscriptUpload_Nov2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261104_184826827.xml)
- [Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026190120_CertificateofPaymentObligation4thNov2026.pdf)
- [Record Date Updates |SUBJECT: Record Date Updates](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026193241_RecordDateIntimationNov2026NSE.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding Intimation of change in Corporate Office Address of RTA of the Company. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026214332_Intimation_RTA_Corporate_Office_Addresschange.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding 'Intimation of change in Corporate Office Address of RTA of the Company'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026220159_Intimation_RTA_Corporate_Office_Addresschange_revsd.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding the allotment of 120202 equity Shares pursuant to exercise of ESOPs |SUBJECT: ESOP/ESOS/ESPS](https://nsearchives.nseindia.com/corporate/lakshmits_29102026220658_Allotment_Intimation_120202shs_29Oct2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20261029_221703617.xml)
- [Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/lakshmits_28102026132533_Outcome.pdf)

### FAQs

**What capital expansion plans has Cholamandalam Investment and Finance Company announced for FY27?**

On November 4, 2026, the Board approved a proposal to raise up to INR5,000 crores in capital. This measure is subject to shareholder and regulatory approvals and aims to support growth while maintaining capital adequacy.

**How did the company's asset quality and disbursement growth perform in Q2 FY27?**

For the quarter ended September 30, 2026, aggregate disbursements grew 47% year-on-year to INR35,872 crores, with AUM reaching INR2,68,009 crores (25% YoY). Asset quality improved as GNPA fell to 4.44%, and ROE rose to 19.4%.

- [Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/lakshmits_04112026184158_TranscriptUpload_Nov2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261104_184826827.xml)
- [Confirmation of Redemption/Payment of Interest and Principal |SUBJECT: Confirmation of Redemption/Payment of Interest and Principal](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026190120_CertificateofPaymentObligation4thNov2026.pdf)
- [Record Date Updates |SUBJECT: Record Date Updates](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026193241_RecordDateIntimationNov2026NSE.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding Intimation of change in Corporate Office Address of RTA of the Company. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026214332_Intimation_RTA_Corporate_Office_Addresschange.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding 'Intimation of change in Corporate Office Address of RTA of the Company'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/lakshmits_03112026220159_Intimation_RTA_Corporate_Office_Addresschange_revsd.pdf)
- [Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding the allotment of 120202 equity Shares pursuant to exercise of ESOPs |SUBJECT: ESOP/ESOS/ESPS](https://nsearchives.nseindia.com/corporate/lakshmits_29102026220658_Allotment_Intimation_120202shs_29Oct2026.pdf)
- [CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20261029_221703617.xml)
- [Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/lakshmits_28102026132533_Outcome.pdf)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Weak Uptrend
- Weekly trend: Weak Uptrend
- Pivot point: ₹1,747.67
- Risk regime: Price Risk Requires Attention

### Support levels
- 1621.88125
- 1530.975
- 1459.05

### Resistance levels
- 1815.25
- 1866.2
- 1907

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +1.42% |
| return_10 | +21.94% |
| return_1m | +10.80% |
| return_1y | +6.04% |
| return_20 | +15.61% |
| return_3m | -7.99% |
| return_5 | +12.55% |
| return_6m | +4.27% |
| return_since_start | +50.72% |
| return_ytd | +3.54% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | elevated_risk |
| label | Price risk requires attention |
| summary | Recent drawdown or price variability is high enough to warrant closer monitoring. |
| maximum_drawdown | -25.37% |
| annualized_volatility | +34.26% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# Cholamandalam Investment and Finance Company Limited FY2026-27 Q2: Revenue up 25% year on year

Consolidated revenue from operations rose 25.4% year on year to ₹9,394.51 crore in Q2 FY2026-27, while profit before tax increased 39.8% to ₹2,187.05 crore. Sequentially, revenue grew 6.1% from Q1 FY2026-27, but expenses rose 7.0% and profit before tax declined 1.6%. Diluted EPS was ₹19.06, compared with ₹19.40 in Q1.

## Revenue growth led by interest income

Interest earned increased 5.8% quarter on quarter to ₹8,513.18 crore and 23.4% year on year. Revenue from operations rose from ₹8,856.29 crore in Q1 FY2026-27 and ₹7,491.38 crore in Q2 FY2025-26. Fees and commission income was ₹681.72 crore; other revenue from operations was ₹123.59 crore. The quarter also included ₹35.12 crore in net gains on fair-value changes, ₹35.83 crore in net gains on derecognition of financial instruments and ₹5.07 crore in revenue from sale of services.

## Expense growth outpaced revenue sequentially

Total expenses rose 7.0% quarter on quarter to ₹7,207.46 crore, faster than the 6.1% increase in revenue from operations. Finance costs climbed 8.2% to ₹4,334.43 crore. Impairment on financial instruments declined 5.2% to ₹874.21 crore, while other expenses fell 16.7% to ₹483.98 crore. Profit before tax was ₹2,187.05 crore, down from ₹2,222.07 crore in Q1 FY2026-27 but 39.8% higher than ₹1,564.65 crore in Q2 FY2025-26.

## Profit and per-share earnings

Profit for the period was ₹1,630.34 crore, down 1.6% from ₹1,656.22 crore in Q1 FY2026-27 and up 40.6% from ₹1,159.61 crore in Q2 FY2025-26. Tax expense was ₹558.04 crore, compared with ₹567.34 crore in Q1. Basic EPS was ₹19.09 versus ₹19.43 in Q1; diluted EPS was ₹19.06 versus ₹19.40.

## Loan book and funding

Loans stood at ₹2,40,356.93 crore as of 30 September 2026. Borrowings were ₹1,71,059.94 crore and equity attributable to owners of the parent was ₹34,531.43 crore on that date. These closing balances provide context for the quarter’s finance costs, which rose faster than revenue sequentially.

## Management commentary

Management said the Construction Equipment segment grew 23% in Q2 FY2026-27 and 16% in the first half, reaching its highest-ever first-half sales. It cited infrastructure development, government capital expenditure and road, mining and other construction activity as supporting factors. For vehicle finance, management expects the used-vehicle market to sustain its growth momentum as finance penetration rises and the industry formalises. It plans calibrated portfolio expansion, prioritising asset quality, risk-adjusted returns and disciplined credit standards, while continuing to seek market-share gains in smaller towns and rural markets.

## Key Takeaway

Cholamandalam delivered strong year-on-year growth in revenue and profit alongside a larger loan book. Sequentially, faster expense growth—particularly in finance costs—coincided with a modest decline in profit and EPS, leaving the pace of funding-cost growth an important counterpoint to expansion.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q1
- As of: 2026-06-30
- Promoter holding: +49.22%
- FII holding: +24.46%
- DII holding: +20.62%
- Mutual fund holding: +15.14%
- Retail holding: +3.68%
- Promoter pledged: +0.00%

### Major reported shareholders

- Cholamandalam Financial Holdings Limited — +43.74% (Bodies Corporate)
- Ambadi Investments Limited — +3.96% (Bodies Corporate)
- NPS TRUST A/C (Through Multiple Schemes) — +2.77%
- SBI NIFTY 500 INDEX FUND A/C (Through Multiple Schemes) — +2.01%
- AXIS MUTUAL FUND TRUSTEE LTD. A/C (Through Multiple Schemes) — +1.98%
- KOTAK MAHINDRA TRUSTEE CO LTD A/C (Through Multiple Schemes) — +1.39%
- GOVERNMENT PENSION FUND GLOBAL — +1.38%
- ICICI PRUDENTIAL MUTUAL FUND A/C (Through Multiple Schemes) — +1.28%
- HDFC TRUSTEE COMPANY LTD A/C (Through Multiple Schemes) — +1.22%
- INVESCO INDIA FOCUSED FUND  (Through Multiple Schemes) — +1.06%

## Official filings

- 2026-11-06 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_06112026161223_CertificateofPaymentObligation6thNov2026.pdf)
- 2026-11-04 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_04112026184158_TranscriptUpload_Nov2026.pdf)
- 2026-11-04 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261104_184826827.xml)
- 2026-11-04 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026190120_CertificateofPaymentObligation4thNov2026.pdf)
- 2026-11-04 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026193241_RecordDateIntimationNov2026NSE.pdf)
- 2026-11-04 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/JashJS_04112026193241_RecordDateIntimationNov2026NSE.pdf)
- 2026-11-03 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_03112026214332_Intimation_RTA_Corporate_Office_Addresschange.pdf)
- 2026-11-03 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_03112026220159_Intimation_RTA_Corporate_Office_Addresschange_revsd.pdf)
- 2026-10-29 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_29102026220658_Allotment_Intimation_120202shs_29Oct2026.pdf)
- 2026-10-29 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20261029_221703617.xml)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_28102026132533_Outcome.pdf)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_28102026132837_Outcome.pdf)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_28102026133114_Outcome.pdf)
- 2026-10-28 — Earnings Presentation: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_28102026143348_Investor_Presentation_28Oct2026.pdf)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_28102026213004_Audio_Recording_Intimation.pdf)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_1109_WebXMLFile_20261028_213622692.xml)
- 2026-10-28 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261028_213533704.xml)
- 2026-10-28 — Financial Results Filing: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_NBFC_INDAS_1748395_28102026112856_WEB.xml)
- 2026-10-28 — Financial Results Filing: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_NBFC_INDAS_1748394_28102026112850_WEB.xml)
- 2026-10-22 — Board Meeting Notice: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_22102026184235_Intimation_PriorIntimation_Oct2026.pdf)
- 2026-10-22 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/lakshmits_22102026190022_Intimation_EarningsCall_Oct2026.pdf)
- 2026-10-22 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_1109_WebXMLFile_20261022_191546660.xml)
- 2026-10-22 — Generic Announcement: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1109_WebXMLFile_20261022_191237853.xml)
- 2026-10-22 — Board Meeting Notice: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_1109_WebXMLFile_20261022_191546660.xml)
- 2026-10-21 — Shareholding Disclosure: Cholamandalam Investment and Finance Company Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SHP_1743515_21102026075706_WEB.xml)

## News and market events

- 2026-11-06 — The Hindu: **Cholamandalam Financial Holdings reports 25 per cent growth in Q2 PAT** — Cholamandalam Financial Holdings reported a 25% growth in consolidated net profit to ₹1,520 Cr for Q2 FY27, driven by a 47% surge in disbursements at its key associate, CIFCL. The company's consolidated total income also rose 19% to ₹11,388 Cr, while its general insurance subsidiary recorded a 7% increase in gross written premiums. — [Source](https://www.thehindubusinessline.com/money-and-banking/cholamandalam-financial-holdings-reports-25-per-cent-growth-in-q2-pat/article71674391.ece)
- 2026-10-28 — Economic Times: **Cholamandalam Investment Q2 net profit rises 41% on strong income growth, plans Rs 5000 crore capital raise** — Cholamandalam Investment and Finance reported a 41% rise in second-quarter net profit to Rs 1,630 crore, helped by strong income growth, higher loan disbursements and lower loan losses. The companys board approved a proposal to raise up to Rs 5,000 crore through a qualified institutional placement. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/cholamandalam-investment-q2-net-profit-rises-41-on-strong-income-growth-plans-rs-5000-crore-capital-raise/articleshow/135272371.cms)
- 2026-10-27 — CNBC-TV18: **Nifty Outlook for October 28: New series begins with Jio Platform listing, US Fed decision** — Nifty many eventually break above 22,800 in the short term. Analysts believe that a decisive move beyond this level could pave the way for an advance towards 23,100, while declines may find support near 22,600. — [Source](https://www.cnbctv18.com/market/nifty-outlook-wednesday-october-28-new-series-begins-with-jio-platform-listing-us-fed-decision-20020683.htm)
- 2026-10-23 — CNBC-TV18: **India not cheap enough yet, but NBFCs and manufacturing still offer opportunities: Aurveil's Conrad Saldanha** — Global investors are waiting for better entry points into Indian equities as valuations and high oil prices remain key concerns, according to Aurveil Capital Founder and CIO Conrad Saldanha. He believes the ongoing correction could create stock-specific opportunities in NBFCs, manufacturing exporters and power equipment companies. — [Source](https://www.cnbctv18.com/market/india-not-cheap-enough-nbfc-manufacturing-opportunities-aurveil-capital-conrad-saldanha-geopolitical-tensions-crude-oil-prices-indian-equities-market-outlook-artificial-intelligence-20017641.htm)
- 2026-10-23 — BUSINESSTODAY: **GIFT Nifty up 133 points; Infosys, Swiggy, BSE, Cyient, Zetwerk, Tonbo among top stocks in focus** — Indian equity markets are set for a positive start on Friday but sustaining the gains will be a challenge after a three-day sell-off ahead of the weekend. — [Source](https://www.businesstoday.in/markets/trending-stocks/story/gift-nifty-up-133-points-infosys-swiggy-bse-cyient-zetwerk-tonbo-among-top-stocks-in-focus-563181-2026-10-23)
- 2026-09-24 — Economic Times: **Irdai commission curbs spark sharp selloff in insurers, banks and NBFCs** — Shares of insurers, banks, and non-banking finance companies dropped sharply following proposed commission caps by Irdai. The proposals raised concerns over the outlook for businesses reliant on insurance distribution. Major companies such as PB Fintech and Max Financial Services experienced significant declines. Analysts indicate that banks and NBFCs could face negative impacts from the changes in commission structures. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/insure/irdai-commission-curbs-spark-sharp-selloff-in-insurers-banks-and-nbfcs/articleshow/134468312.cms)
- 2026-09-24 — Economic Times: **Can IRDAI’s insurance reforms impact NBFCs? Jefferies warns L&T Finance, Piramal Finance, others are most exposed** — IRDAIs proposed insurance distribution reforms could extend beyond insurers and distributors, potentially pressuring NBFC fee income. Jefferies flagged L&T Finance, Piramal Finance and others as exposed to insurance commissions, with proposed cuts potentially affecting profitability. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/can-irdais-insurance-reforms-impact-nbfcs-jefferies-warns-lt-finance-piramal-finance-others-are-most-exposed/articleshow/134459825.cms)
- 2026-09-24 — BUSINESSTODAY: **PB Fintech shares fall 20%; Bajaj Finance, L&T Finance also take hit; here's why** — PB Fintech share price today, Bajaj Finance share price, L&T Finance share price — [Source](https://www.businesstoday.in/markets/stocks/story/pb-fintech-shares-fall-20-bajaj-finance-lt-finance-also-take-hit-heres-why-557454-2026-09-24)
- 2026-09-23 — CNBC-TV18: **Bajaj Finance 'bear' upgrades rating, no longer among lowest targets; Here's why** — India is entering a strong credit growth cycle within the unsecured lending space, UBS said. This will be supported by healthy asset quality across banks and NBFCs, flat unsecured household leverage over the past three years, abundant system liquidity and a more risk-on stance from lenders. — [Source](https://www.cnbctv18.com/market/bajaj-finance-share-price-bear-ubs-upgrades-target-loan-growth-fy27-guidance-eps-banks-vs-nbfc-19996505.htm)
- 2026-09-23 — 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)
- 2026-09-20 — Times of India: **Using recovery agents proves costly for truck financier, SC orders Rs 15 lakh payout** — India News: NEW DELHI: Criticising the use of muscle power by financiers to get back hypothecated vehicles, Supreme Court has told one of them to pay Rs 15 lakh t. — [Source](https://timesofindia.indiatimes.com/india/using-recovery-agents-proves-costly-for-truck-financier/articleshow/134375079.cms)
- 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 — 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)

## 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: 2026-11-06
- Source: Faxioms public stock analysis API

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