Cholamandalam Financial Holdings Limited — PPTs, 08-05-2026: Investor Presentation

Cholamandalam Financial Holdings (CFHL) posted strong consolidated results for FY26: Revenue rose 18% to 39,576 Cr, profit after tax climbed 16% to 5,485 Cr, and EPS grew 12% to 130.01. Q4 FY26 also saw robust growth with revenue up 17% to 10,520 Cr and profit up 19% to 1,626 Cr.

**Business Performance:** Its NBFC arm, CIFCL, saw disbursements grow 10.7% to 111,642 Cr and Assets Under Management (AUM) jump 21.4% to 224,334 Cr, with PAT up 22.5% to 5,220 Cr. Vehicle Finance, LAP, and Home Loans were key contributors. General Insurance arm, CMSGICL, recorded a 6.9% GWP growth to 8,904 Cr but PAT dipped 34.8% to 331 Cr, impacted by increased claims and provisioning.

**Growth Drivers & Recent Developments:** CFHL is aggressively investing in technology, leveraging AI for claims assessment and upgrading core systems to cloud. CIFCL is expanding retail presence in smaller towns and its Tier I Capital got a boost from recent CCD conversions. CMSGICL focuses on diversifying beyond motor insurance via a multi-channel strategy.

**Outlook:** Management expects growth to track market trends, emphasizing sustainable expansion, portfolio quality, and robust collections. The underpenetrated general insurance market offers significant long-term growth potential.