Cholamandalam Investment & Finance Company Ltd
Cholamandalam Investment & Finance Company Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management said on revenue, margins and capex.
The short version
Overall AUM growth is targeted at 20% to 23% for FY '27. The company targets overall Asset Under Management (AUM) growth in the range of 20% to 23% (Page 14).
From Cholamandalam Investment & Finance Company Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Overall AUM growth is targeted at 20% to 23% for FY '27.
- Vehicle Finance is expected to grow around 18%.
- LAP and Home Loans growth is projected between 25% to 30%.
- Newer businesses like CSEL, consumer durables, and gold loans are expected to grow at higher rates but will normalize to overall company growth.
- Disbursement growth in Home Loans is expected at 12% to 15%, with steady AUM growth around 25% or higher.
- The mortgage portfolio, including SBPL and SME, is expected to grow over 30%.
- CSEL segment disbursement growth was 39% in Q4 and is expected to continue strong growth, targeting around 20% portfolio growth by year-end.
2 more points from Cholamandalam Investment & Finance Company Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- The company plans to add branches aggressively, especially for gold loans (around 300 new exclusive branches planned for FY '27).
- Vehicle Finance branches will expand by about 100, with other businesses co-locating within these branches.
- Home Loan and LAP businesses will see about 100 new branches each.
- Significant capital outlay is involved for gold loan branches due to exclusivity and requirement of experienced personnel.
2 more points from Cholamandalam Investment & Finance Company Ltd's call on capex
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Fundraising & Capital Structure
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Order Book & Pipeline
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Frequently Asked Questions
What were Cholamandalam Investment & Finance Company Ltd Q4 FY26 results?
Overall AUM growth is targeted at 20% to 23% for FY '27. The company targets overall Asset Under Management (AUM) growth in the range of 20% to 23% (Page 14).
What is Cholamandalam Investment & Finance Company Ltd share price analysis?
Cholamandalam Investment & Finance Company Ltd currently shows a neutral. The stock trades at a P/E of 28.1 with a market cap of ₹161,528 Cr. Investors should review the full earnings analysis for detailed insights.
Is Cholamandalam Investment & Finance Company Ltd planning capital expenditure?
The company plans to add branches aggressively, especially for gold loans (around 300 new exclusive branches planned for FY '27).
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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.