Cholamandalam Investment and Finance Company Limited — Investor Meet, 06-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Cholamandalam Investment and Finance reported Q4 disbursements at INR26,417 Cr (+7% YoY) and FY25 at INR1,00,869 Cr (+14% YoY), with AUM reaching INR1,99,876 Cr (+30% YoY). Q4 net income rose 29% to INR3,758 Cr; PAT increased 20% to INR1,267 Cr. Vehicle finance disbursements gained 11% with 20% AUM growth guidance. Home loans and LAP showed strong growth, while SME and consumer loans were pruned for quality. Asset quality improved with GNPA at 3.97%, and credit cost is expected to ease. New gold loan business targets INR2,000 Cr portfolio in 1.5 years. Margins and cost ratios are expected to improve moderately. Management remains cautiously optimistic on growth and asset quality normalization in FY26.