Cholamandalam Financial Holdings Limited — PPTs, 08-08-2025: Investor Presentation

Here's a summary of the financial announcements:

**1. Financial Highlights:**

Consolidated Q1 FY26 revenue rose 22% YoY to ₹9,383 Cr, PAT up 9% to ₹1,260 Cr. Lending AUM grew 14% to ₹1,92,148 Cr. Insurance GWP increased 2.7%, but PAT declined due to higher reserving. Loan losses showed a slight uptick.

**2. Strategic Initiatives & Growth Drivers:**

Lending is expanding into rural/smaller towns via low-cost models. Insurance is diversifying products and heavily investing in digital (AI, RPA, apps) for efficiency and customer experience.

**3. Business Developments:**

CIFCL achieved strong AUM growth in Vehicle Finance (+18%), LAP (+37%), and Home Loans (+33%). CMSGICL's profitability was hit by increased TP settlement reserving and specific property losses.

**4. Market Position & Competitive Advantage:**

Supported by the Murugappa Group, CFHL maintains strong credit ratings and a high CAR (19.96%). Diversified lending, growing insurance market share, and a multi-channel distribution strengthen its position.

**5. Investor Implications:**

Positive growth potential from lending AUM and digital pushes. Monitor asset quality and insurance profitability, although robust capital and diversified ops provide resilience.