Cholamandalam Financial Holdings Limited — PPTs, 14-08-2026: Investor Presentation

CFHL kicked off Q1 FY27 with strong financials.

**Business Performance:** Consolidated Revenue climbed 20% YoY to ₹11,214 Cr, with Profit After Tax soaring 42% to ₹1,789 Cr. EPS hit ₹42.92, up 39%. CIFCL, the core lending arm, saw Vehicle Finance disbursements jump 21% and PBT surge 50%. Loan Against Property (LAP) and Home Loans also posted strong PBT growth, with Assets Under Management for both up over 20%. General Insurance (CMSGICL) grew Gross Written Premium by 6.7%, but PAT dipped ~20% due to squeezed margins and higher claims, especially in Motor OD, where loss ratios increased.

**Growth Drivers / Strategy:** CIFCL is driving growth through careful portfolio expansion, robust collections, and market penetration in smaller towns for LAP and Home Loans. CMSGICL is leveraging tech transformation to boost efficiency and service across its Motor business.

**Recent Developments:** CIFCL maintains excellent liquidity with ₹22,765 Cr cash. CMSGICL has completed its major tech upgrades, including a centralized data platform.

**Outlook:** Management is focused on sustainable, profitable growth, disciplined risk management, and improving asset quality. They expect profitability to recover in General Insurance following portfolio adjustments.