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Cholamandalam Investment and Finance Company
Cholamandalam Investment and Finance Company (511243) investor relations material
Cholamandalam Investment and Finance Company Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary4 May, 2026
Executive summary
Q4 FY26 disbursements grew 25% YoY to ₹32,913 Cr, driving AUM up 21% to ₹2,42,630 Cr as of March 2026.
FY26 disbursements totaled ₹1,11,642 Cr (up 11% YoY); PAT for FY26 was ₹5,220 Cr, up 23% YoY.
Profit before tax (PBT) for FY26 was ₹6,961 Cr, up 21% YoY; Q4 FY26 PBT was ₹2,137 Cr, up 25% YoY.
Branch network expanded to 1,761 locations, with 88% in Tier-III to Tier-VI towns.
Asset quality indicators remain resilient, with improved collection efficiency and lower early defaults.
Financial highlights
Vehicle finance disbursements up 36% YoY in Q4; AUM up 18% to ₹1,19,558 Cr.
MSME segment AUM grew 29% YoY; LAP AUM up 26%, SME AUM up 41%, SBPL AUM up 46%.
Consumer segment disbursements up 45% YoY; gold loan business disbursed ₹2,469 Cr in FY26.
NIMs improved to 8.4% in Q4 FY26 (up 40 bps YoY); FY26 at 8.0%.
Capital adequacy at 19.21% (Tier 1: 14.73%) as of March 2026.
Outlook and guidance
FY27 AUM growth guided at 20%-23%; vehicle finance disbursement growth expected at 15%-20%.
Net credit cost expected to decline to 1.5% (from 1.6% pre-overlay), with pre-tax ROA targeted at 3.5%.
LAP segment projected to grow 20-22% YoY in FY26-FY27; home loan AUM expected to rise 19-21%.
Home Loan and LAP asset growth expected at 25%-30%; mortgage businesses to drive overall growth.
CSEL segment expected to achieve 20% asset growth and improve pre-tax ROA to over 3%.
Rationale for the 200 crore management overlay
Explain the classification of Stage 1B assets
Financial impact of New Labour Codes on expenses
Explain IndAS Stage 3 vs RBI GNPA variance
Analyze CSEL PBT decline and credit loss trend
Impact of CCD conversion on Tier I capital
Gini coefficient role in 1.5% credit cost target
Strategy behind reducing gold loan ticket sizes
Macro risks addressed by the management overlay
Partial view of Summaries dataset, powered by Quartr API
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Latest events from Cholamandalam Investment and Finance Company
- Q3 FY26 delivered strong growth, stable asset quality, and robust capital adequacy.511243
Q3 25/269 Apr 2026 - Q1 FY25 delivered strong growth in disbursements, AUM, and profitability across all segments.511243Q1 24/252 Feb 2026
- Q2 FY25 net profit reached ₹967.80 crore with strong growth and stable asset quality.511243Q2 24/2518 Jan 2026
- Q3 FY25 delivered strong growth in disbursements, AUM, and profits, with robust asset quality.511243Q3 24/259 Jan 2026
- AUM up 30% YoY, profits and disbursements rose, asset quality and capital strong.511243Q4 24/2520 Dec 2025
- AUM up 21% YoY, PAT up 20%, NIM at 7.9%, and capital adequacy at 20%.511243Q2 202610 Dec 2025
- Q1 FY26 delivered strong AUM and PAT growth, with resilient capital and moderate asset quality stress.511243Q1 25/2618 Nov 2025
Next Cholamandalam Investment and Finance Company earnings date
Q1 26/2729 Jul, 2026
Cholamandalam Investment and Finance Company
Next Cholamandalam Investment and Finance Company earnings date
Q1 26/2729 Jul, 2026
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excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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