Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) — shareholding pattern, promoter holding, financials and share price
About Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)
Cholamandalam Investment & Finance Company Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as CHOLAFIN and on the BSE under scrip code 511243. Its ISIN is INE121A01024.
Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property. [1]
Cholamandalam Investment and Finance Company Limited is a leading financial services provider, offering vehicle finance, home loans, and SME loans across India.
The company achieved an impressive AUM growth, crossing ₹2.28 lakh Cr in FY 2026, marking a strategic milestone in its expansion.
Listed peers in Non Banking Financial Company (NBFC): Shriram Finance Ltd, Tata Capital Ltd, Muthoot Finance Ltd, L&T Finance Ltd, HDB Financial Services Ltd, SBI Cards & Payment Services Ltd.
Valuation & Returns
10 Jul 2026At ₹1,805 a share on 10 Jul 2026, Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) was valued at a price-to-earnings ratio of 29.41x against an industry P/E of 19.5x and a price-to-book of 5.05x on a book value of ₹357.25 per share as of Mar 2026. Solomo computes return on equity of 17.18% and return on capital employed of 8.84% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 29.41x
- Industry P/E
- 19.5x
- P/B
- 5.05x
- EPS (TTM)
- ₹61.37
- Book value / share
- ₹357.25
- ROE
- 17.18%
- ROCE
- 8.84%
- ROA
- 2.13%
- Debt / equity
- 6.93x
- Dividend yield
- 0.11%
- EBITDA margin
- 69.66%
- 52-week range
- ₹1,299.8 – ₹1,874.65
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) reported revenue of ₹31,120 crore, net profit of ₹5,233 crore and earnings per share of ₹61.41. That compares with revenue of ₹25,890 crore and net profit of ₹4,263 crore in Mar 2025. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹8,417 crore and net profit ₹1,645 crore (consolidated).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 10,148 | 12,884 | 19,163 | 25,890 | 31,120 |
| Net profit (₹ cr) | 2,154 | 2,665 | 3,420 | 4,263 | 5,233 |
| EPS (₹) | 26.23 | 32.42 | 40.72 | 50.69 | 61.41 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 23.43% | 26.63% | 34.42% | 20.20% |
| Profit growth | 24.64% | 28.07% | 25.10% | 22.74% |
| Stock price CAGR | 25% | 28% | 15% | 15% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 49.22% of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) (down 0.03 pp QoQ), foreign institutional investors (FII) hold 24.45% and domestic institutional investors (DII) hold 20.62%. Market capitalisation was ₹1,53,892 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2001.
Largest disclosed public shareholders in Jun 2026: NPS TRUST A/C (Through Multiple Schemes) 2.77%, SBI NIFTY 500 INDEX FUND A/C (Through Multiple Schemes) 2.01%, AXIS MUTUAL FUND TRUSTEE LTD. A/C (Through Multiple Schemes) 1.98%, KOTAK MAHINDRA TRUSTEE CO LTD A/C (Through Multiple Schemes) 1.39%, GOVERNMENT PENSION FUND GLOBAL 1.38%, ICICI PRUDENTIAL MUTUAL FUND A/C (Through Multiple Schemes) 1.28%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 49.22% | - | 24.45% | 20.62% | 50.78% |
| Mar 2026 | 49.25% | - | 24.87% | 19.91% | 50.75% |
| Dec 2025 | 49.72% | - | 26.55% | 17.55% | 50.28% |
| Sep 2025 | 49.88% | - | 26.85% | 17.27% | 50.12% |
| Jun 2025 | 49.9% | - | 27.96% | 16.06% | 50.1% |
| Mar 2025 | 49.92% | - | 28.23% | 15.49% | 50.08% |
| Dec 2024 | 49.93% | - | 27.43% | 16.1% | 50.07% |
| Sep 2024 | 50.24% | - | 27.18% | 16.58% | 49.76% |