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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?
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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
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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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