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Cholaman.Inv.&Fn

Q2 FY26

Cholaman.Inv.&Fn Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹1,574
Market cap₹1.3L Cr
P/E23.4
Updated16 Oct 2026
Read4 min read

The short version

Vehicle finance growth expected between 20%-25% for FY '27, with some quarters potentially higher based on recent trends (Page 11). The company expects loan growth in the range of 20%-25% for FY '27, with potential variations nearer to 20% or above depending on performance.

From Cholaman.Inv.&Fn's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

  • Vehicle finance growth expected between 20%-25% for FY '27, with some quarters potentially higher based on recent trends (Page 11).
  • Mortgage business projected to grow at around 30%, while non-mortgage business anticipated to grow at 20% or better (Page 20).
  • Growth in Small Commercial Vehicle (SCV) and Light Commercial Vehicle (LCV) segments has started, with Heavy Commercial Vehicle (HCV) growth expected to follow after some lag (Pages 11-12).
  • GST-led price reductions have increased volumes in vehicle finance despite lower ticket sizes, with a 14% volume growth observed in early months post-GST cut (Page 17).

2 more points from Cholaman.Inv.&Fn's call on revenue

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Profitability & Margins

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

Capital Expenditure Plans

  • The company is continuously investing in new businesses like gold and consumer durable financing.
  • There is an emphasis on building out collection strength for the CSEL business as part of strategic adjustments.
  • OPEX has marginally increased due to salary increments, incentives, and investments in newer business verticals.
  • Future improvements in operating expenses are expected as new businesses scale, particularly gold financing.

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Fundraising & Capital Structure

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Order Book & Pipeline

The provided transcript does not contain any specific information regarding the current or expected order book or pending orders for Cholamandalam Investment and Finance Company Limited. The discussion mainly revolves around: - Business segments performance (vehicle finance, home loans, LAP, SBPL, CSEL). - Credit cost trends and asset quality. - Market dynamics in various vehicle sectors (commercial vehicles, passenger vehicles). - Disbursement growth and yield movements.

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Continue your research

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

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Frequently Asked Questions

What were Cholaman.Inv.&Fn Q2 FY26 results?

Vehicle finance growth expected between 20%-25% for FY '27, with some quarters potentially higher based on recent trends (Page 11). The company expects loan growth in the range of 20%-25% for FY '27, with potential variations nearer to 20% or above depending on performance.

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

Cholaman.Inv.&Fn currently shows a neutral. The stock trades at a P/E of 23.4 with a market cap of ₹134,511 Cr. Investors should review the full earnings analysis for detailed insights.

Is Cholaman.Inv.&Fn planning capital expenditure?

The company is continuously investing in new businesses like gold and consumer durable financing.

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.