)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Cholamandalam Investment and Finance Company (511243) investor relations material
Cholamandalam Investment and Finance Company Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary7 Nov, 2025
Executive summary
Assets under management (AUM) reached ₹2,14,906 crore, up 21% year-over-year as of Q2 FY26, with disbursements of ₹24,442 crore and PAT of ₹1,155 crore, up 20% YoY.
Net income for Q2 FY26 was ₹4,075 crore (up 26% YoY), and PBT for Q2 FY26 was ₹1,561–1,565 crore, up 20% YoY.
NIM improved to 7.9% in Q2 FY26 from 7.5% in Q1, with further improvement expected in H2.
Liquidity remains strong with ₹17,516 crore in liquid assets and capital adequacy at 20%.
Board approved audited standalone and consolidated results for the quarter and half year ended September 30, 2025.
Financial highlights
Vehicle finance AUM grew 17% YoY to ₹1,07,568 crore; LAP AUM up 33% to ₹46,302 crore; SME AUM up 28% to ₹7,544 crore; home loan AUM up 28% to ₹20,405 crore.
NIM rose to 7.9% in Q2 FY26; ROA at 3%, ROE at 18.11% for Q2 and 18.47% for H1.
Write-offs for Q2 were ₹639 crore, up from ₹514 crore in Q1.
Credit cost improved from 1.8% to 1.7% sequentially, with full-year guidance at 1.6%.
Disbursements in Q2 FY26 were ₹24,442 crore; H1 FY26 disbursements were ₹48,646 crore.
Outlook and guidance
Management expects stronger disbursement and AUM growth in H2, driven by festive season, GST cuts, and new gold loan business.
AUM growth of 20%+ is not at risk; disbursement growth may be slightly below 10% target.
Credit costs in CCELL have peaked; moderation expected in H2, with full-year credit cost expected to improve to 1.6%.
Vehicle Finance expected to benefit from infrastructure spending, fleet replacement, and GST rationalization.
LAP and MSME segments projected to grow at 21–23% and 16–18% respectively in FY26, with Home Loans sector to see 20–22% growth.
CSEL's revised growth strategy post-partnerships
Key drivers for vehicle finance asset quality improvement?
HL/LAP regional issues: resolution and H2 impact?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Cholamandalam Investment and Finance Company earnings date
Q3 25/2630 Jan, 2026
Next Cholamandalam Investment and Finance Company earnings date
Q3 25/2630 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage