Cholamandalam Investment and Finance Company (511243) Q2 21/22 earnings summary
Event summary combining transcript, slides, and related documents.
Q2 21/22 earnings summary
16 Oct, 2026Executive summary
Q2 FY22 disbursements rose 35% YoY to ₹8,706 Cr; PAT increased 40% to ₹607 Cr. H1 disbursements grew 23% to ₹12,341 Cr and PAT rose 8% to ₹933 Cr.
AUM reached ₹75,063 Cr at September 30, 2021, marginally above the prior-year level; Stage 3 assets improved to 6.16% from 6.79% at June 30, 2021.
Financial highlights
Q2 total income was ₹2,471 Cr; net income margin was ₹1,393 Cr, up 11% YoY. H1 net income margin increased 23% YoY to ₹2,756 Cr.
Q2 PBT rose 40% YoY to ₹817 Cr and PAT rose 40% to ₹607 Cr; H1 PBT increased 8% to ₹1,257 Cr and PAT increased 8% to ₹933 Cr.
H1 finance costs were ₹2,182 Cr, down 6% YoY; total expenses rose 27% to ₹888 Cr and loan losses rose 63% to ₹610 Cr.
Outlook and guidance
Management cited expectations of a swift economic revival, supported by improving indicators, while noting that the pace of recovery depends on evolving conditions.
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