Cholamandalam Financial Holdings Limited — PPTs, 07-11-2025: Investor Presentation

**Cholamandalam Financial Holdings (CFHL) shines in Q2 FY26!** Consolidated revenue surged 17% YoY to 9,589 Cr (H1 up 20%), with PAT up 8% to 1,214 Cr (H1 also up 8%). Primary growth engine, Cholamandalam Investment and Finance (CIFCL), saw Vehicle Finance disbursements jump 10% and Loan Against Property (LAP) disbursements grow 8%. Home Loans faced a slight dip. CIFCL's overall AUM hit 199,159 Cr. Chola MS General Insurance (CMSGICL) saw modest GWP growth but a PAT decline due to specific accounting changes and crop losses; management expects a return to growth.

Strategically, CFHL is pushing into rural & smaller towns for lending and heavily investing in tech for digital sales & AI-driven claims across its insurance arm. Outlook for commercial vehicles, LAP, and Home Loans remains strong, with expected growth of 20-23% in FY26 for key segments. The underpenetrated general insurance market also offers significant runway. #CFHL #Q2FY26 #FinancialResults