Cholamandalam Investment and Finance Company (CIFCL) announced audited financial results for the quarter and half-year ended September 30, 2025. Total AUM reached ₹2,14,906 Cr, a 21% YoY increase. Net income for the quarter rose 26% YoY to ₹4,075 Cr, with PAT increasing by 20% YoY to ₹1,155 Cr. The company maintains a strong liquidity position and a comfortable asset-liability management profile.
Strong AUM Growth
Cholamandalam Investment and Finance Company’s (CIFCL) Total Assets Under Management (AUM) stood at ₹2,14,906 Cr as of September 30, 2025, reflecting a growth of 21% compared to the previous year. The audited results were approved by the Board of Directors on November 6, 2025.
Financial Performance
CIFCL reported a net income of ₹4,075 Cr for Q2 FY26, up by 26% year-over-year. The Profit After Tax (PAT) for the quarter stood at ₹1,155 Cr, representing a 20% increase compared to Q2 FY25. For the half-year ended September 30, 2025, the net income was ₹7,939 Cr and PAT reached ₹2,291 Cr, reflecting 27% and 20% growth respectively.
Key financial data includes:
- Disbursements in Q2 FY26: ₹24,442 Cr
- Net Income: ₹4,075 Cr (Q2 FY26)
- Profit After Tax: ₹1,155 Cr (Q2 FY26)
Segmental Performance
Vehicle Finance (VF) reported disbursements of ₹13,539 Cr during Q2 FY26, achieving an AUM of ₹1,07,568 Cr. Loan Against Property (LAP) witnessed disbursements of ₹4,630 Cr with an AUM reaching ₹46,302 Cr. Home Loan business reported ₹1,697 Cr in Q2 disbursements, and AUM reaching ₹20,405 Cr.
Asset Quality and Capital Adequacy
The Company maintained a strong liquidity position of ₹16,991 Cr in cash balances as of September 2025. The Capital Adequacy Ratio (CAR) stood at 20.00%, exceeding regulatory requirements.
Source: BSE
