Cholamandalam Investment and Finance Company Limited Announces Investor Presentation for Q2 FY27
Cholamandalam Investment and Finance Company Limited released its investor presentation for the quarter ended September 30, 2026. Disbursements grew 47% YoY to ₹35,872 crore, and AUM rose 25% YoY to ₹2,48,045 crore. PBT increased 40% YoY to ₹2,188 crore for Q2 FY27. Stage 3 NPAs improved to 3.25%.
The announcement provides detailed financial results and operational highlights for the quarter and half-year, which are crucial for investors to assess the company's performance and future outlook. This directly impacts investor decisions.
The company reported significant year-on-year growth in disbursements and assets under management, along with an increase in profit before tax and an improvement in asset quality. This indicates a positive financial performance.
Cholamandalam Investment and Finance Company Limited has released its investor presentation for the quarter and half-year ended September 30, 2026. The presentation details the company's performance across various business segments, including Vehicle Finance (VF), Loan Against Property (LAP), MSME, Consumer Ecosystem (Home Loan, CSEL), and Gold Loan.
Key highlights for Q2 FY27 include a 47% YoY growth in disbursements to ₹35,872 crore and a 25% YoY growth in Business Assets Under Management (AUM) to ₹2,48,045 crore. Net Interest Margins (NIM) were maintained at 7.9% for Q2 FY27, improving to 8.0% for H1 FY27. Profit Before Tax (PBT) saw significant growth, increasing by 40% to ₹2,188 crore in Q2 FY27 and by 43% to ₹4,409 crore in H1 FY27.
The company also reported improvements in asset quality, with Stage 3 Non-Performing Assets (NPAs) at 3.25% in Q2 FY27, down from 3.35% in Q2 FY26. Gross NPAs stood at 4.44% and Net NPAs at 2.92% as of September 30, 2026. Capital Adequacy Ratio (CAR) was reported at 20.62%, with Tier I at 16.02%.
The presentation further elaborates on the performance of individual business segments. The Vehicle Finance segment saw disbursements grow by 31% to ₹17,801 crore in Q2 FY27, with AUM growing by 21% YoY to ₹1,29,787 crore. The MSME segment reported a 42% increase in disbursements to ₹9,345 crore in Q2 FY27 and a 27% YoY growth in AUM to ₹72,356 crore. The Consumer Ecosystem also showed strong performance, with disbursements up by 44% to ₹7,747 crore in Q2 FY27 and AUM growing by 28% YoY to ₹25,240 crore.
Geographically, the company maintains a strong presence across 26 states and 7 Union Territories, with 85% of its locations in Tier-III and below towns, emphasizing its focus on rural and semi-urban markets.
What to do with a filing like this
Cholamandalam Investment and Finance Company Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Cholamandalam Investment and Finance Company Limited. Read the original for the full detail.