Cholamandalam Investment and Finance Company Limited — PPTs, 31-01-2025: Investor Presentation

**Financial Highlights:** In Q3FY25, Cholamandalam Investment and Finance Company reported disbursements of ₹25,806 crore, marking a 15% increase year-over-year. The Assets Under Management (AUM) reached ₹1,74,566 crore, up 30% YoY. Net Interest Margin (NIM) improved to 7.7%, while profit before tax (PBT) rose by 27% to ₹1,464 crore. However, the Return on Asset (ROA) dipped slightly to 3.2% from 3.3%.

**Strategic Initiatives and Growth Drivers:** The company continues to expand its branch network, now totaling 1,577 locations, focusing on increasing market share in the vehicle finance segment and enhancing financial inclusion in tier III-VI towns. Recent initiatives also include the launch of new product lines catering to Personal Loans and Consumer Loans.

**Business Developments:** Disbursements in key segments showed positive trends, such as Vehicle Finance, which grew by 16% in Q3FY25, and Loan Against Property, which grew by 23%. The company’s recent capital raising of ₹4,000 crore through a QIP aims to strengthen its balance sheet for future growth.

**Market Position and Competitive Advantage:** Chola continues to hold a strong position in the financial services space, leveraging its synergies within the Murugappa Group and a diversified product portfolio, which includes vehicle finance, home loans, and SME financing.

**Investor Implications:** With sustained growth in disbursements and a focus on expanding its market presence, the company presents a positive outlook for investors. However, potential risks related to asset quality, with GNPA increasing to 4.00%, warrant close monitoring as the company continues to navigate a competitive landscape.