Cholamandalam Financial Holdings Limited — PPTs, 09-02-2026: Investor Presentation

Cholamandalam Financial Holdings (CFHL) delivered a strong Q3 FY26, with consolidated revenue up 17% YoY to 10,084 Cr and profit after tax (PAT) rising 27% to 1,386 Cr. EPS grew 29% to 33.32.

Its finance arm, CIFCL, saw YTD Dec 25 disbursements of 78,729 Cr and Assets Under Management (AUM) hit 227,770 Cr. Growth is driven by expanding into semi-urban/rural markets and a sharp focus on asset quality.

The general insurance business (CMSGICL) recorded 6,555 Cr in Gross Written Premium (GWP) YTD Dec 26 (+5.8% YoY). While Q3 PAT was 59 Cr, affected by crop insurance loss and gratuity provisions, CMSGICL maintains a strong solvency ratio of 2.04x and is actively diversifying its product mix and enhancing its digital capabilities.

Management is optimistic about continued momentum in vehicle finance, strong retail demand for Loan Against Property (LAP), and growth in affordable Home Loans. Strategic tech investments are underway to support future digital expansion and operational efficiency.