Cholamandalam Investment and Finance Company (CIFCL) reported strong unaudited financial results for Q3 FY26. Total Assets Under Management (AUM) grew by 20% year-over-year to ₹2,27,770 Cr. Net Income for the quarter reached ₹4,342 Cr, a 23% increase, while Profit After Tax (PAT) rose by 19% to ₹1,288 Cr. The company announced an interim dividend of ₹1.30 per share.
Financial Performance
Cholamandalam Investment and Finance Company (CIFCL) announced its unaudited financial results for Q3 FY26, showcasing significant growth across key metrics. Key highlights include:
- AUM: Increased to ₹2,27,770 Cr, up 20% year-over-year.
- Net Income: Reached ₹4,342 Cr for the quarter, a 23% increase year-over-year. For the nine months ended, net income stood at ₹12,281 Cr, up 25% year-over-year.
- Profit After Tax (PAT): Grew to ₹1,288 Cr for the quarter, a 19% increase year-over-year. For the nine months ended, PAT was reported at ₹3,579 Cr, a 20% increase year-over-year.
Segment Highlights
The following figures detail the unaudited assets under management across Cholamandalam’s key segments during the report period, compared with the same period last year:
- Vehicle Finance (VF): AUM of ₹1,12,937 Cr, up 17%.
- Loan Against Property (LAP): AUM of ₹49,162 Cr, up 31%.
- Home Loan: AUM of ₹21,691 Cr, up 27%.
- Small and Medium Enterprises Loan (SME): AUM of ₹8,338 Cr, up 33%.
- Consumer and Small Enterprise Loans (CSEL): AUM of ₹14,393 Cr.
- Secured Business and Personal Loan (SBPL): AUM of ₹3,221 Cr, up 52%.
Interim Dividend
The company’s Board of Directors approved an interim dividend of ₹1.30 per share, equivalent to 65%, for the financial year ending March 31, 2026.
Capital Adequacy
As of December 31, 2025, the Capital Adequacy Ratio (CAR) stood at 19.16%, exceeding the regulatory minimum of 15%. Tier-I Capital was at 14.21%, and Tier-II Capital was at 4.95%.
Source: BSE
