Cholamandalam Investment and Finance Company (CIFCL) announced a strong Q3 FY26 performance, with AUM reaching ₹2,27,770 Cr, a 20% year-over-year increase. Net income for the quarter rose 23% to ₹4,342 Cr, and PAT increased 19% to ₹1,288 Cr. Disbursements grew 16% year-over-year to ₹29,962 Cr, driven by solid performance across vehicle finance, loan against property, and home loan segments. The Company continues to maintain a strong liquidity position.
Key Financial Highlights
Cholamandalam Investment and Finance Company (CIFCL) reported robust financial results for Q3 FY26. Key highlights include:
- Total Assets Under Management (AUM): ₹2,27,770 Cr, up 20% YoY.
- Net Income: ₹4,342 Cr for the quarter, a 23% increase YoY.
- Profit After Tax (PAT): ₹1,288 Cr, reflecting a 19% growth YoY.
- Year-to-Date (YTD) PAT: ₹3,579 Cr, up 20% YoY.
Segment Performance
The company witnessed growth across its key segments:
- Vehicle Finance: Disbursements of ₹16,805 Cr, with an AUM of ₹1,12,937 Cr, a 17% YoY growth.
- Loan Against Property: Disbursements of ₹5,285 Cr, and AUM of ₹49,162 Cr, a 31% YoY increase.
- Home Loan: Disbursements of ₹2,007 Cr, with an AUM of ₹21,691 Cr, a 27% YoY growth.
Other Business Segments
Other key business segments also showed notable performance:
- Small and Medium Enterprises (SME) Loan: AUM of ₹8,338 Cr, a 33% YoY growth.
- Consumer and Small Enterprise Loans (CSEL): AUM of ₹14,393 Cr.
- Secured Business and Personal Loan (SBPL): AUM of ₹3,221 Cr, showcasing a 52% YoY growth.
Asset Quality and Capital Adequacy
Cholamandalam maintained a focus on asset quality:
- Stage 3 levels: Representing 3.36% of assets.
- GNPA (as per RBI norms): Stood at 4.63%.
- NNPA (as per RBI norms): Reported at 3.13%.
The Capital Adequacy Ratio (CAR) remained strong at 19.16%, exceeding regulatory requirements.
Interim Dividend
The Board declared an interim dividend of 65%, or ₹1.30 per share, for the financial year ending March 31, 2026.
Source: BSE
