Cholamandalam Investment and Finance Company Limited — PPTs, 06-11-2025: Investor Presentation

Here's a concise summary of the investor presentation:

**Business Performance:** Cholamandalam Investment & Finance reported strong results for Q2 FY26 and H1 FY26. Consolidated Profit After Tax (PAT) grew 20% to ₹1,155 Cr in Q2 FY26 and 20% to ₹2,296 Cr in H1 FY26. Total Income rose 21% to ₹7,590 Cr in Q2 FY26. Business Assets Under Management (AUM) increased 17% YoY, reaching ₹1,99,159 Cr, and Net Income Margin (NIM) improved to 7.9%. Gross NPA was 4.57% and Net NPA 3.07%.

**Growth Drivers or Strategy:** The company is expanding its presence in smaller towns and rural areas, with 92% of its 1,749 branches located in Tier-III to Tier-VI towns. Strategic focus includes digital initiatives like the Chola One super-app, advanced loan origination and collection systems, and the GaadiBazaar used vehicle marketplace. Data & Analytics drive credit assessment, risk-based pricing, and early warning systems.

**Recent Developments:** The company recently launched its Gold loan business. Its branch network has expanded to 1,749, serving over 42.4 lakh customers.

**Key Financial Metrics:** For Q2 FY26, Profit Before Tax (PBT) grew 20% to ₹1,561 Cr. Earnings Per Share (EPS) stood at Rs. 54.5 (up from Rs. 45.5 in Q2 FY25), and Return on Equity (ROE) was 18.1%.

**Management Commentary / Outlook:** Management foresees continued growth in Heavy Commercial Vehicles (HCV) due to infrastructure spending and Light Commercial Vehicles (LCV) from consumption and e-commerce. The tractor segment is expected to grow, supported by monsoon and GST reductions. The company emphasizes maintaining portfolio quality, focusing on retail and rural demand, and leveraging digital tools for efficient collections and improved ESG metrics.