Cholamandalam Investment and Finance Company Limited — PPTs, 25-04-2025: Investor Presentation

### Financial Highlights:

For FY25, Cholamandalam Investment and Finance Company recorded significant growth in key metrics. Disbursements surged to ₹1,00,869 Cr, up 14% year-on-year (YoY), with Q4FY25 disbursements alone at ₹26,417 Cr, a growth of 7%. Total Assets Under Management (AUM) reached ₹1,84,746 Cr, marking a 27% increase. Net Interest Margin (NIM) improved to 7.7% from 7.5% in FY24, reflecting strengthened profitability.

### Strategic Initiatives and Growth Drivers:

Chola has focused on expanding its retail customer base, particularly in under-served areas, with the total customer base now exceeding 43.7 lakh. The company has also enhanced its branch network to 1,613 across 26 states and Union Territories, with 92% of its locations in tier III to VI towns. In line with its growth strategy, Chola launched several new products and improved its digital platforms for customer engagement and loan origination.

### Business Developments:

Chola's vehicle finance and loan against property segments showed robust performance, with vehicle finance disbursements increasing by 12%, while loan against property disbursements grew by 32% YoY. The company is actively pursuing growth in various segments, including personal loans and SME financing.

### Market Position and Competitive Advantage:

Chola's strong market presence, coupled with diverse product offerings, positions it effectively within the financial services sector. The company's established brand and operational synergies with the Murugappa Group enhance its competitive edge.

### Investor Implications:

With its solid financial performance, expanded reach, and strategic focus on underserved markets, Cholamandalam presents a positive outlook for investors seeking growth opportunities in the Indian NBFC sector. The sustained growth in AUM and disbursements suggests potential for continued upward momentum in share performance.