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Cholamandalam Investment and Finance Company (511243) investor relations material
Cholamandalam Investment and Finance Company Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary1 Aug, 2025
Executive summary
Q1 FY26 disbursements were ₹24,325 crore, flat year-over-year, with AUM growing 23–24% to ₹2,07,663 crore.
Net income for Q1 FY26 rose 21–27% year-over-year to ₹1,136 crore; PBT up 21% to ₹1,530 crore.
Gold loan business launched in Q1 FY26, with 73 branches and ₹100 crore disbursed.
Branch network expanded to 1,703–2,481 locations, with a customer base exceeding 4.3 million.
Board approved unaudited financial results for the quarter ended June 30, 2025.
Financial highlights
Total income for Q1 FY26 was ₹7,331 crore, up 26% year-over-year; NIM improved to 7.8%.
OpEx/expense ratio at 2.9%; cost to net income at 37.6%.
Loan losses and provisions rose 52% year-over-year to ₹882 crore; credit costs increased by 30 bps.
PBT for Q1 FY26 was ₹1,530 crore, up 21% year-over-year.
Liquid assets at ₹17,226 crore; no negative ALM mismatches.
Outlook and guidance
Credit cost guidance for FY26 is 1.4–1.5% of assets, with improvement expected from Q3 if macro factors stabilize.
Disbursement growth for vehicle finance projected at 10–12% for FY26; overall disbursement growth expected at 10%.
Asset growth guidance maintained at 20–22%, with vehicle finance at 18% and mortgage/home loan businesses at 20–30%.
HCV segment expected to rebound in H2 FY26; used vehicle and tractor segments to maintain positive momentum.
Focus remains on collections and asset quality, with growth at the lower end of guidance if environment remains challenging.
Why did SME loan disbursements decrease?
Explain the increase in Stage 3 assets.
Assess impact of gold loan launch on AUM.
What is driving the gold loan branch expansion?
How will cost of funds improve NIM?
When will CSEL NCLs improve?
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Next Cholamandalam Investment and Finance Company earnings date
Q2 20266 Nov, 2025
Next Cholamandalam Investment and Finance Company earnings date
Q2 20266 Nov, 2025
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Frequently asked questions
Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (NBFC) specializing in financial services for retail and corporate clients. The company provides vehicle financing, home loans, small and medium enterprise (SME) loans, and loans against property. It also offers wealth management and investment advisory services. The company is headquartered in Chennai, India, and its shares are listed on the NSE and BSE.
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