Cholamandalam Investment and Finance Company reported a 21% YoY increase in Assets Under Management (AUM), reaching ₹2,14,906 Cr in Q2 FY26. Net income for the quarter grew by 26% YoY to ₹4,075 Cr, while Profit After Tax (PAT) increased by 20% YoY to ₹1,155 Cr. The company’s strong liquidity position and growth across various business segments drove the positive results.
Financial Performance Highlights for Q2 FY26
Cholamandalam Investment and Finance Company (CIFCL) announced its audited financial results for the quarter ended September 30, 2025 (Q2 FY26), showcasing significant growth across key metrics:
- Assets Under Management (AUM): Increased by 21% YoY to ₹2,14,906 Cr.
- Net Income: Grew by 26% YoY to ₹4,075 Cr for the quarter and ₹7,939 Cr for the half-year ended.
- Profit After Tax (PAT): Increased by 20% YoY to ₹1,155 Cr for the quarter and ₹2,291 Cr for the half-year ended.
Segment-Wise Performance
The company experienced growth across its various business segments:
- Vehicle Finance (VF): Disbursements reached ₹13,539 Cr in Q2 FY26 and ₹27,186 Cr in the first half (H1 FY26), with an AUM of ₹1,07,568 Cr.
- Loan Against Property (LAP): Business disbursed ₹4,630 Cr in Q2 FY26 and ₹9,336 Cr in H1 FY26, with an AUM of ₹46,302 Cr.
- Home Loan: Business disbursed ₹1,697 Cr in Q2 FY26 and ₹3,461 Cr in H1 FY26, with an AUM of ₹20,405 Cr.
- Small and Medium Enterprises Loan (SME): Business disbursed ₹1,581 Cr in Q2 FY26 and ₹3,286 Cr in H1 FY26, with an AUM of ₹7,544 Cr.
Asset Quality and Capital Adequacy
- Stage 3 Levels: Representing 90+ dues, were at 3.35% as of September 2025.
- Capital Adequacy Ratio (CAR): Stood at 20.00% as of September 30, 2025, against a regulatory requirement of 15%. Tier-I Capital was at 14.59%.
Source: BSE
