Cholaman.Inv.&Fn

Q1 FY27Finance

Cholaman.Inv.&Fn Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹1,852

Market cap₹1.6L Cr

P/E27.7

Updated25 Aug 2026

Read4 min read

What the Q1 FY27 call signalled

4 of 5 strong

RevenueGood growth

MarginMargins steady

CapexCapex planned

FundraiseFundraise planned

Order bookOrder book rising

The short version

The company targets around 22-23% growth in disbursements and AUM for FY27, which they consider doable and are already on track to achieve. The company is optimistic about achieving 22-23% disbursement and AUM growth for FY27, with a buoyant market and gaining market share in vehicle finance, CSEL, SME, and other segments.

From Cholaman.Inv.&Fn's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.

Revenue & Sales Performance

Good growth

The company targets around 22-23% growth in disbursements and AUM for FY27, which they consider doable and are already on track to achieve.
Vehicle finance, used vehicle, and other product segments are expected to experience over 20% growth in disbursements year-on-year.
Gold loan AUM is projected to grow from over INR2,000 crores to INR5,000 crores within the financial year, supported by opening 360 new branches.
Branch expansion includes converting 125 resident locations into permanent branches for vehicle finance and opening over 100 branches yearly in affordable housing and loan against property.
New gold loan branches are expected to become profitable by next year-end with per branch AUM growing from INR12 to 15 crores.

2 more points management made on revenue & sales performance

Profitability & Margins

The company is optimistic about achieving 22-23% disbursement and AUM growth for FY27, with a buoyant market and gaining market share in vehicle finance, CSEL, SME, and other segments. (Page 10)
PBT-ROTA guidance is around a minimum of 3.5%, with the company aiming to maintain or improve this, factoring in potential cost of fund rise and credit cost improvements. (Pages 14-15)
Gold loan business targets steady-state PBT-ROTA above 4% after 3 years, expected to perform on par with incumbents. Expansion of 360 branches planned this year, with AUM growth from current INR2,000 crores+ to INR5,000 crores. (Pages 12 & 19-20)

2 more points management made on profitability & margins

See what Cholaman.Inv.&Fn said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned

The company is actively expanding its branch network, particularly for vehicle finance, gold loans, affordable housing, and loan against property segments.
Over 600+ resident locations currently exist for vehicle finance, with plans to convert around 125 resident locations into full-fledged branches by the end of the year.
For affordable housing and loan against property, a similar trend of opening 100+ new branches annually is underway.
Gold loan business is unique with stand-alone branches; the company is opening 360 more gold loan branches this year.
Gold loan AUM has reached over INR 2,000 crores and is targeted to hit INR 5,000 crores in the current financial year.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Cholaman.Inv.&Fn said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book rising

The provided pages from the Cholamandalam Investment and Finance Company Limited document do not contain specific information on current, expected orderbook, or pending orders details. The discussion primarily revolves around branch expansion, product strategies, asset quality, disbursement growth, credit cost, liability strategy, and gold loan business. - No explicit mention of current or expected orderbook or pending orders in the transcript. - Focus is on disbursement growth (22% in Q1), vehicle finance, gold loans, housing loans, and loan against property. - Branch expansion: 125 resident locations converting to branches in vehicle finance; 360 new gold loan branches opening.

2 more points management made on order book & pipeline

What Cholaman.Inv.&Fn's management said in earlier quarters

Others in Finance this season

Indian Renewable Energy Development Agency Ltd (Q1 FY27)
Revenue from operations for the quarter ended 30-Jun-26 is ₹2,249 crores (consolidated) and ₹2,248 crores (standalone). Key concall takeaways from Indian…
Ashika Global Securities Ltd. (Q1 FY27)
Total Income for Q1 FY27: ₹17,215 lakhs, up 44.4% year-on-year (Page 31) . Key concall takeaways from Ashika Global Securities Ltd.'s Q1 FY27 earnings call…
Tourism Finance Corporation of India Ltd (Q1 FY27)
115.15 Cr, up from Rs. Key concall takeaways from Tourism Finance Corporation of India Ltd's Q1 FY27 earnings call — and how it ranks against sector peers.
REC Ltd (Q1 FY27)
Revenue: Total Income for Q1 FY27 is ₹14,331 crore versus ₹14,406 crore in Q4 FY26, showing a slight decrease. Key concall takeaways from REC Ltd's Q1 FY27…

Compare:vs Bajaj Finance vs Bajaj Finserv vs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Frequently Asked Questions

What were Cholaman.Inv.&Fn Q1 FY27 results?

What is Cholaman.Inv.&Fn share price analysis?

Cholaman.Inv.&Fn currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 27.7 with a market cap of ₹159,104 Cr. Investors should review the full earnings analysis for detailed insights.

Is Cholaman.Inv.&Fn planning capital expenditure?

The company is actively expanding its branch network, particularly for vehicle finance, gold loans, affordable housing, and loan against property segments.

Keep Cholaman.Inv.&Fn on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.