Cholamandalam Investment and Finance Company (CIFCL) announced its audited financial results for the quarter and half year ended September 30, 2025. The company reported a 21% YoY growth in Assets Under Management (AUM) reaching ₹2,14,906 Cr. Net Income for the quarter grew by 26% YoY to ₹4,075 Cr, while Profit After Tax (PAT) stood at ₹1,155 Cr, a 20% YoY increase. The results showcase strong growth across key business segments.
Key Financial Highlights
CIFCL’s audited results for the quarter and half year ended September 30, 2025, reveal robust performance:
- Total AUM: Reached ₹2,14,906 Cr, a 21% YoY increase.
- Net Income: Stood at ₹4,075 Cr for the quarter, up 26% YoY, and ₹7,939 Cr for the half year, a 27% YoY increase.
- Profit After Tax (PAT): Recorded at ₹1,155 Cr for the quarter, up 20% YoY, and ₹2,291 Cr for the half year, a 20% YoY increase.
Segment Performance
Disbursements across different segments showed the following trends:
- Vehicle Finance (VF): Disbursements were ₹13,539 Cr in the quarter and ₹27,186 Cr for the half year. The AUM reached ₹1,07,568 Cr, reflecting a 17% YoY growth.
- Loan Against Property (LAP): Business disbursements were ₹4,630 Cr in the quarter and ₹9,336 Cr for the half year. The AUM for LAP stood at ₹46,302 Cr, a 33% YoY increase.
- Home Loan: The business disbursed ₹1,697 Cr in the quarter and ₹3,461 Cr for the half year. The AUM increased to ₹20,405 Cr, marking a 28% YoY growth.
- Small and Medium Enterprises Loan (SME): The business disbursed ₹1,581 Cr during the quarter and ₹3,286 Cr during the half year. AUM reached ₹7,544 Cr, reflecting a 28% YoY growth.
- Consumer and Small Enterprise Loans (CSEL): The business disbursed ₹2,142 Cr during the quarter and ₹4,188 Cr for the half year. AUM touched ₹13,952 Cr.
Asset Quality and Capital Adequacy
- Stage 3 Levels: Representing 90+ dues, stood at 3.35%.
- GNPA as per RBI norms: Recorded at 4.57%.
- Capital Adequacy Ratio (CAR): Maintained at 20.00%, exceeding the regulatory requirement of 15%.
Source: BSE
