Cholamandalam Investment and Finance Company Limited — Investor Meet, 09-02-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Chola Investment & Finance reports strong Q3 FY'26 financial results with aggregate disbursements up 16% YoY to INR29,962 crores and AUM growing 20% to INR227,770 crores. ROA stood at 3.2% and ROE at 19.11%. NIM improved 33 bps YoY. An interim dividend of INR1.30 per share was declared.

Management expects Q4 to show improved performance, with vehicle finance credit costs stabilizing and early delinquencies reducing across segments due to better demand. CSEL's NCLs are trending down, with further reduction anticipated. Strategic product mix adjustments are helping maintain yields in LAP and SME. Overall outlook is confident on asset quality improvement and sustained growth.