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Cholamandalam Investment and Finance Company
Cholamandalam Investment and Finance Company (511243) investor relations material
Cholamandalam Investment and Finance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
Q2 FY27 disbursements rose 47% YoY to ₹35,872 crore; AUM reached ₹2,68,009 crore, up 25%, and PAT increased 41% to ₹1,630 crore.
H1 disbursements grew 34% to ₹65,484 crore; PBT rose 43% to ₹4,409 crore and PAT rose 43% to ₹3,284 crore.
Financial highlights
Q2 total income rose 23% YoY to ₹9,367 crore and net income increased 24% to ₹5,037 crore; Q2 PBT rose 40% to ₹2,188 crore.
Q2 expenses increased 22% to ₹1,975 crore, while net credit losses declined 3% to ₹874 crore; H1 net income rose 26% to ₹9,967 crore.
H1 total income rose 23% to ₹18,300 crore and PBT increased 43% to ₹4,409 crore; reported H1 ROE was 20.3%.
Outlook and guidance
FY growth guidance remained 20%-23% on a steady-state basis; management said initial targets of 25% growth and 1.4% net credit cost had been achieved at H1, with H2 potentially stronger.
Management expected seasonally stronger H2 performance, with growth rates potentially moderating against a stronger base; October vehicle disbursements were up 18%-20% YoY.
CSEL unsecured business loans and consumer durable/digital lending were delivering close to 3.6% ROA, with combined pretax ROA expected to exceed 4%.
Floating-rate books, including affordable housing, LAP and SME, were expected to be repriced in Q3; aggregate yield could decline at least 10 bps as funding costs rise.
Affordable housing finance AUM was expected to grow 19%-21% in FY27; management expected mortgage businesses to gain share over 3-4 years.
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Latest events from Cholamandalam Investment and Finance Company
- Robust financials, a forceful rebuttal and improving Q3 disbursement momentum.511243
Status update - PPOP grew 56%, but pandemic-driven loan losses cut Q1 PAT 24%.511243Q1 21/22
- Strong Q2 growth and improving asset quality, with COVID-related credit risk still elevated.511243Q2 21/22
- Disbursements jumped 267% and PAT grew 73%, with Stage 3 improving to 4.16%.511243Q1 22/23
- Record disbursements and AUM growth offset a tougher Q2 PAT comparison.511243Q2 22/23
- Q3 disbursements +68%, AUM +31% and standalone PAT +31% YoY.511243Q3 22/23
- Disbursements surged 50% as higher funding costs tempered Q1 profit growth.511243Q1 23/24
- FY22 profit rose 42% as record disbursements fueled lending growth.511243Q4 21/22
- Record FY23 lending growth and improved asset quality supported higher profit.511243Q4 22/23
Next Cholamandalam Investment and Finance Company earnings date
Q3 26/271 Feb, 2027
Cholamandalam Investment and Finance Company
Next Cholamandalam Investment and Finance Company earnings date
Q3 26/271 Feb, 2027
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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.