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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 Cr, flat year-over-year, with AUM growing 23% to ₹2,07,663 Cr, supported by gold loan business launch and branch expansion.
Net income for Q1 FY26 rose 21% year-over-year to ₹1,136 Cr; PBT up 21% to ₹1,530 Cr; PAT at ₹1,138 Cr, up 20%.
Branch network expanded to 1,703 locations, with 88% in Tier-III to Tier-VI towns; customer base reached 42.6 lakh.
Asset quality saw stress, with stage three assets rising to 3.16% and GNPA to 4.29%, mainly due to early monsoon, lower vehicle utilization, and revised RBI norms.
Net interest margin improved to 7.8% from 7.6% YoY, and OpEx ratio reduced to 2.9%.
Financial highlights
Total income for Q1 FY26 was ₹7,331 Cr, up 26% year-over-year; net credit losses rose 52% to ₹882 Cr.
Provision coverage on stage three assets stood at 43.72%.
Total liquid assets were ₹17,226 Cr, with no negative ALM mismatches.
Capital adequacy ratio was 19.96%, with tier one capital at 14.31%.
Liquidity coverage ratio consistently above 100% regulatory requirement.
Outlook and guidance
Credit cost guidance for FY26 is 1.4%-1.5% of total assets, with improvement expected from Q3 onwards if monsoon and macro conditions stabilize.
Asset growth targeted at 20%-22%, with vehicle finance at 17%-18%, mortgage at 20%-30%, and LAP portfolio to grow 21-23%.
Disbursement growth for vehicle finance projected at 10%-12% for the year, with overall company disbursement growth at 10%.
Management remains cautious but optimistic about H2 recovery, contingent on rural and industrial economic improvement.
Why did SME loan disbursements decrease?
Explain the increase in Stage 3 assets.
Assess impact of gold loan launch on AUM.
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Next Cholamandalam Investment and Finance Company earnings date
Q2 20267 Nov, 2025
Next Cholamandalam Investment and Finance Company earnings date
Q2 20267 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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