Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Cholamandalam Investment & Finance Company Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,741 | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 |
| Interest | 1,734 | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 |
| Expenses + | 902 | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 |
| Financing Profit | 1,105 | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 |
| Financing Margin % | 30% | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% |
| Other Income + | 93 | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 |
| Depreciation | 36 | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 |
| Profit before tax | 1,163 | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 |
| Tax % | 26% | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% |
| Net Profit + | 855 | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 |
| EPS in Rs | 10.40 | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Financials of Cholamandalam Investment & Finance Company Ltd
Annual income statement trend
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,715 | 4,214 | 4,694 | 5,559 | 7,108 | 8,712 | 9,583 | 10,148 | 12,884 | 19,163 | 25,890 | 31,073 |
| Interest | 1,958 | 2,048 | 2,228 | 2,657 | 3,588 | 4,592 | 4,576 | 4,298 | 5,748 | 9,231 | 12,495 | 14,384 |
| Expenses + | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,913 | 2,926 | 3,621 | 5,385 | 7,670 | 9,898 |
| Financing Profit | 696 | 899 | 1,143 | 1,451 | 1,888 | 1,699 | 2,094 | 2,924 | 3,515 | 4,548 | 5,725 | 6,791 |
| Financing Margin % | 19% | 21% | 24% | 26% | 27% | 20% | 22% | 29% | 27% | 24% | 22% | 22% |
| Other Income + | 0 | 2 | 3 | 0 | 1 | 0 | 56 | 84 | 220 | 255 | 261 | 469 |
| Depreciation | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 245 | 284 |
| Profit before tax | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,741 | 6,977 |
| Tax % | 33% | 35% | 35% | 34% | 35% | 34% | 26% | 26% | 26% | 26% | 26% | 25% |
| Net Profit + | 444 | 575 | 718 | 918 | 1,197 | 1,054 | 1,521 | 2,154 | 2,665 | 3,420 | 4,263 | 5,233 |
| EPS in Rs | 6.18 | 7.36 | 9.21 | 11.76 | 15.32 | 12.86 | 18.55 | 26.23 | 32.42 | 40.72 | 50.69 | 61.41 |
| Dividend Payout % | 11% | 12% | 12% | 11% | 8% | 13% | 11% | 8% | 6% | 5% | 4% | 3% |
Financials of Cholamandalam Investment & Finance Company Ltd
Capital structure and asset base
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 144 | 156 | 156 | 156 | 156 | 164 | 164 | 164 | 164 | 168 | 168 | 170 |
| Reserves | 2,531 | 3,514 | 4,142 | 4,969 | 6,052 | 8,036 | 9,436 | 11,605 | 14,182 | 19,425 | 23,500 | 30,288 |
| Borrowing | 19,950 | 22,546 | 24,071 | 38,330 | 50,567 | 55,005 | 63,730 | 69,174 | 97,358 | 134,475 | 175,036 | 211,070 |
| Other Liabilities + | 1,243 | 1,673 | 2,230 | 711 | 715 | 853 | 1,314 | 1,536 | 1,923 | 2,618 | 3,182 | 3,920 |
| Total Liabilities | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 245,448 |
| Fixed Assets + | 69 | 120 | 150 | 170 | 167 | 283 | 228 | 259 | 403 | 1,563 | 1,780 | 1,883 |
| CWIP | 0 | 0 | 0 | 4 | 14 | 11 | 10 | 37 | 60 | 13 | 11 | 28 |
| Investments | 25 | 16 | 182 | 23 | 42 | 33 | 1,583 | 2,055 | 3,562 | 4,036 | 6,367 | 6,646 |
| Other Assets + | 23,775 | 27,753 | 30,266 | 43,970 | 57,267 | 63,732 | 72,823 | 80,127 | 109,602 | 151,075 | 193,729 | 236,892 |
| Total Assets | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 245,448 |
Financials of Cholamandalam Investment & Finance Company Ltd
Operating, investing and financing cash movement
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -2,264 | -2,809 | -1,468 | -7,926 | -9,317 | -2,075 | -8,848 | -5,571 | -27,105 | -35,683 | -32,413 | -30,021 |
| Cash from Investing Activity + | -40 | -137 | -222 | -60 | -11 | -54 | -1,746 | 1,640 | -2,148 | -2,855 | -2,948 | -2,554 |
| Cash from Financing Activity + | 1,819 | 3,031 | 1,692 | 8,009 | 12,191 | 2,452 | 8,707 | 5,150 | 27,466 | 38,471 | 39,795 | 35,610 |
| Net Cash Flow | -485 | 85 | 2 | 22 | 2,862 | 323 | -1,888 | 1,218 | -1,787 | -66 | 4,434 | 3,035 |
| Free Cash Flow | -2,294 | -2,885 | -1,525 | -7,994 | -9,391 | -2,145 | -8,880 | -5,665 | -27,293 | -36,754 | -32,600 | -30,263 |
| CFO/OP | -75% | -82% | -29% | -179% | -157% | -24% | -122% | -65% | -283% | -249% | -169% | -133% |
Financials of Cholamandalam Investment & Finance Company Ltd
Working capital efficiency and return ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 18% | 18% | 18% | 20% | 21% | 15% | 17% | 20% | 20% | 20% | 20% | 19% |