Cholamandalam Investment and Finance Company Limited — Investor Meet, 04-08-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Cholamandalam Investment & Finance delivered a robust Q1 FY27. Disbursements grew 22% YoY to INR 29,612 Cr, with AUM up 23% to INR 2,54,392 Cr. Margins improved (NIM +42 bps YoY), and credit costs dropped to 1.5%. ROA hit 3.7%, ROE 21.2%.

Management is confident in sustaining 22-23% growth, with asset quality expected to improve further after seasonal Q1 trends. Key growth areas include Gold Loans, targeting INR 5,000 Cr AUM with 360 new branches. New businesses like CSEL and SBPL are set to drive higher returns. Overall sentiment is positive on continued performance.