Cholamandalam Investment and Finance Company (511243) Q4 22/23 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 22/23 earnings summary
16 Oct, 2026Executive summary
FY23 disbursements rose 87% YoY to ₹66,532 crore; AUM increased 36% to ₹112,782 crore, with record Q4 disbursements and profitability.
Consolidated FY23 PBT was ₹3,602.77 crore and PAT ₹2,664.85 crore; the Board recommended a final dividend of ₹0.70 per share.
Financial highlights
Consolidated FY23 revenue from operations was ₹12,884.10 crore versus ₹10,140.75 crore; total income was ₹13,105.59 crore versus ₹10,231.81 crore.
Consolidated FY23 PBT was ₹3,602.77 crore versus ₹2,902.22 crore; PAT was ₹2,664.85 crore versus ₹2,153.51 crore.
Q4 FY23 consolidated total income was ₹3,834.57 crore versus ₹2,656.63 crore; PAT was ₹855.20 crore versus ₹686.74 crore.
Management-reported net income margin was ₹2,060 crore in Q4, up 32% YoY, and ₹7,229 crore for FY23, up 24% YoY.
Outlook and guidance
Retail NBFC AUM was expected to grow 12–14% in FY24, following a strong rebound in FY23.
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