| Cholamandalam Investment & Finance Company Ltd | Industry : (Finance) | |
|---|---|---|
|
BSE Code : 511243 |
NSE Symbol : CHOLAFIN |
P/E(TTM) : 31.44 |
|
ISIN Demat : INE121A01024 |
Div & Yield% : 0.12 |
EPS(TTM) : 55.04 |
|
Book Value(₹) : 310.53 |
Market Cap(₹Cr) : 146,017.74 |
Face Value(₹) : 2.00 |
| Particulars | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|
| Operating Income | 7,469.58 | 7,244.92 | 7,025.05 | 6,709.21 | 6,226.60 | 5,784.71 |
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Income | 120.55 | 85.86 | 95.64 | 103.14 | 66.15 | 44.26 |
| Total Income | 7,590.13 | 7,330.78 | 7,120.69 | 6,812.35 | 6,292.75 | 5,828.97 |
| Interest | 3,515.51 | 3,466.25 | 3,362.29 | 3,271.78 | 3,055.13 | 2,795.65 |
| Employee Expenses | 1,063.19 | 924.30 | 921.76 | 880.65 | 794.65 | 683.45 |
| Selling & Administrative Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Impairment of Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loss on Forex Transaction | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | 483.31 | 461.70 | 441.70 | 473.89 | 458.95 | 441.61 |
| TOTAL OPERATING EXPENDITURE | 5,062.01 | 4,852.25 | 4,725.75 | 4,626.32 | 4,308.73 | 3,920.71 |
| Operating Profit Before Prov. & Cont. | 2,528.12 | 2,478.53 | 2,394.94 | 2,186.03 | 1,984.02 | 1,908.26 |
| Provisions & Write Offs | 897.01 | 882.10 | 625.29 | 664.02 | 623.52 | 581.43 |
| Depreciation | 70.36 | 66.79 | 63.43 | 58.43 | 61.92 | 58.34 |
| TOTAL EXPENDITURE | 6,029.38 | 5,801.14 | 5,414.47 | 5,348.77 | 4,994.17 | 4,560.48 |
| Tax | 456.60 | 440.23 | 513.18 | 470.57 | 384.52 | 355.05 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax | -51.16 | -46.50 | -73.68 | -93.52 | -48.99 | -28.79 |
| Reported Profit After Tax | 1,155.31 | 1,135.91 | 1,266.72 | 1,086.53 | 963.05 | 942.23 |
| Extra-ordinary Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 1,155.31 | 1,135.91 | 1,266.72 | 1,086.53 | 963.05 | 942.23 |
| EPS (Unit Curr.) | 13.73 | 13.51 | 15.06 | 12.93 | 11.46 | 11.22 |
| EPS (Adj) (Unit Curr.) | 13.73 | 13.51 | 15.06 | 12.93 | 11.46 | 11.22 |
| Calculated EPS (Unit Curr.) | 13.73 | 13.50 | 15.06 | 12.92 | 11.45 | 11.21 |
| Calculated EPS (Adj) (Unit Curr.) | 13.73 | 13.50 | 15.06 | 12.92 | 11.45 | 11.21 |
| Calculated EPS (Ann.) (Unit Curr.) | 54.90 | 53.99 | 60.23 | 51.67 | 45.82 | 44.84 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 54.90 | 53.99 | 60.23 | 51.67 | 45.82 | 44.84 |
| Book Value (Unit Curr.) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend (%) | 0.00 | 0.00 | 0.00 | 65.00 | 0.00 | 0.00 |
| Equity | 168.35 | 168.30 | 168.25 | 168.23 | 168.15 | 168.12 |
| Reserve & Surplus | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Public Shareholding (No. Of Shares) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public Shareholding (% in Equity) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PBIDTM(%) | 68.90 | 69.88 | 73.05 | 71.45 | 70.92 | 71.27 |
| PBDTM(%) | 21.84 | 22.04 | 25.19 | 22.69 | 21.85 | 22.94 |
| PATM(%) | 15.47 | 15.68 | 18.03 | 16.19 | 15.47 | 16.29 |
| Net Interest Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Losses & Provision | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Assets Under Management | 199,159.00 | 192,148.00 | 184,746.00 | 174,567.00 | 164,642.00 | 155,442.00 |
| Return on Equity(%) | 18.10 | 18.80 | 22.20 | 19.70 | 18.20 | 18.90 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 39.70 | 37.60 | 40.50 | 39.90 | 40.60 | 39.00 |
| Loan Loss Provision Ratio | 1.70 | 1.80 | 1.20 | 1.40 | 1.40 | 1.50 |
| Loans Spreads(%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Interest Margin(%) | 7.90 | 7.80 | 8.00 | 7.70 | 7.50 | 7.60 |
| Provision Coverage Ratio(%) | 33.88 | 34.41 | 34.58 | 34.42 | 35.42 | 35.36 |
| Capital Adequacy Ratio | 20.00 | 19.96 | 19.75 | 19.76 | 19.50 | 18.03 |
| Tier I Capital | 14.59 | 14.31 | 14.41 | 14.92 | 15.04 | 14.76 |
| Tier II Capital | 5.41 | 5.65 | 5.34 | 4.84 | 4.46 | 3.27 |
| Gross Non Performing Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 4.57 | 4.29 | 3.97 | 4.00 | 3.78 | 3.62 |
| (%) Net Non Performing Assets | 3.07 | 2.86 | 2.63 | 2.66 | 2.48 | 2.37 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on Assets | 3.00 | 3.10 | 3.60 | 3.20 | 3.20 | 3.20 |
| Loans Disbursed(Amt Rs cr) | 24,442.00 | 24,325.00 | 26,417.00 | 25,806.00 | 24,314.00 | 24,332.00 |
| Loans Sanctioned/Approved(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Book(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |