1,790.80
+0.32%
Close of 9 Nov 2026, in INR
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About Cholamandalam Investment and Finance Company
Its shares trade on NSE under the ticker CHOLAFIN.NS. It has been listed since 11 January 1995. In the fiscal year to 31 March 2026, it reported revenue before interest expense of ₹315.39bn and net income of ₹52.33bn. At that date it held total assets of ₹2.45trn and shareholders' equity of ₹304.58bn.
Cholamandalam Investment & Finance Co. Ltd. engages in the provision of financial services. The company is headquartered in Chennai, Tamil Nadu. The firm offers financial services, including vehicle finance, home loans, home equity loans, small and medium enterprises (SME) loans, investment advisory services, stock broking and a range of other financial services to its customers. The Company’s segments include Vehicle Finance Loans, Loan against property and Home Loans. The Vehicle Finance Loans segment provides loans to customers against purchase of new/used vehicles, tractors, construction equipments and loan to automobile dealers. The Loan against property segment provides loans to customer against immovable property. The Home Loans segment provides loans for given acquisition of residential property. The company offers loans against shares, and other unsecured loans and security broking and insurance agency business. Its subsidiaries include Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL).
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 11 Jan 1995
- Employees
- 9,125
- Website
- cholamandalam.com ↗
Leadership
Pay as last reported
- Mr. Vellayan SubbiahExecutive Chairman, since 2010₹11.1m
- Mr. D. Arul SelvanChief Financial Officer₹44.1m
- Mr. Jeeva BalakrishnanChief Human Resources Officer
- Ms. Pangurayirath SujathaChief Compliance Officer, Company Secretary, since 2022₹24.9m
- Mr. Ravindra KunduManaging Director, Executive Director, since 2020₹64.7m
- Mr. M. A. M. ArunachalamNon-Executive Director₹2.9m
- Mrs. Bhama KrishnamurthyNon-Executive Independent Director₹3.5m
- Mr. Anand KumarNon-Executive Independent Director₹3.2m
- Mr. M. R. KumarNon-Executive Independent Director₹2.5m
- Mr. N. Ramesh RajanNon-Executive Independent Director₹4.2m
- Mr. Ramkumar RamamoorthyNon-Executive Independent Director₹2.2m
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 70
- Environment
- 53
- Social
- 85
- Governance
- 73
- Direct emissions (scope 1)
- 377 t
- Energy emissions (scope 2)
- 15,690 t
- Value chain emissions (scope 3)
- 29,502.05 t
- Women in the workforce
- 3%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Cholamandalam Investment and Finance Company Ltd (CIFCL) has built a strong brand reputation and enjoys a trusted position in the financial services industry.
- The company benefits from a diverse portfolio of financial products and services, including vehicle finance, home loans, SME loans, and investment advisory services.
- CIFCL has a robust and well-established distribution network with a wide presence across the country, allowing for effective reach and customer servicing.
Weaknesses
- One of the key weaknesses of CIFCL is its heavy reliance on vehicle finance, which makes its business vulnerable to fluctuations in the automobile industry.
- The company also faces intense competition from both traditional financial institutions and new-age fintech companies, which may impact its market share.
- CIFCL's customer base is relatively concentrated, which poses a risk of exposure to defaults and delinquencies arising from economic downturns.
Opportunities
- CIFCL has the potential to expand its product offerings and diversify into new financial segments, such as consumer loans, insurance, or wealth management, to capture additional market share.
- The Indian financial services industry is experiencing a digital revolution, presenting an opportunity for CIFCL to leverage technology and enhance its operational efficiency.
- The government's focus on infrastructure development and increasing rural incomes provides avenues for CIFCL to tap into unexplored markets and extend its services to underserved regions.
Threats
- Economic uncertainties and fluctuations in interest rates can affect CIFCL's borrowing costs and profitability.
- Regulatory changes and compliance requirements in the financial sector can create challenges and impact the company's operational strategies.
- The emergence of disruptive technologies and changing consumer preferences may result in a shift towards digital banking and online financial services, posing a threat to CIFCL's traditional business model.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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