Cholamandalam Investment and Finance Company Limited has released its investor presentation for the quarter ended December 31, 2025. The presentation highlights the company’s performance, including key financial figures, business segment overviews, and strategic initiatives. It covers various aspects such as asset quality, disbursements, and future outlook. The company has been Transforming lives and elevating communities.
Murugappa Group Overview
The Murugappa Group, in which Cholamandalam Investment and Finance Company Ltd is involved, has a market cap of ₹1,43,662 Cr (Financial Services). For the period of FY24-25 the turnover was ₹25,846 Cr and PAT was ₹4,263 Cr.
Q3 FY26 & YTD December 25 Highlights
Q3 FY26 Vs Q3 FY25:
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Disbursement grew at 16% to ₹29,962 Cr.
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Business AUM at ₹2,10,722 Cr, a growth of 21%.
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PBT grew 18% to ₹1,733 Cr.
YTD Dec25 Vs YTD Dec24:
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Disbursement grew at 6% to ₹78,729 Cr.
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PBT grew 20% to ₹4,823 Cr.
Geographical Presence
The company has a strong geographical presence. As of FY25, physical branches are located in 1613 locations across India which increased to 1639 as of Q3FY26
Vehicle Finance: Q3 FY26 & YTD Dec25 Performance
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Disbursements grew by 17% in Q3 FY26 to ₹16,805 Cr.
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AUM has grown by 17% YoY.
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PBT grew by 14% in Q3 FY26 to ₹758 Cr.
MSME Ecosystem – Q3 FY26 & YTD Dec25 Performance
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Disbursements grew by 17% in Q3 FY26 at ₹7,554 Cr.
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AUM has grown by 32% YoY.
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PBT grew by 48% in Q3 FY26 to ₹562 Cr.
Loan Against Property – Q3 FY26 & YTD Dec25 Performance
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Disbursements grew by 26% in Q3 FY26 to ₹5,285 Cr.
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AUM has grown by 31% YoY.
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PBT grew by 44% in Q3 FY26 to ₹460 Cr.
Consumer Ecosystem – Q3 FY26 & YTD Dec25 Performance
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Disbursements grew by 13% to ₹5,604 Cr in Q3 FY26.
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AUM has grown by 16% YoY.
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PBT at ₹248 Cr in Q3 FY26.
Capital Adequacy Ratio (CAR)
As per RBI guideline, the Tier I capital was 14.21% as of Q3FY26, which is above the minimum of 10%. The minimum CAR Stipulated by RBI is 15%.
Key ESG Metrics
Renewable energy usage increased to 193.23 in FY25 as compared to 34.2 during previous years.
Source: BSE
