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  • Cholamandalam Investment & Finance Company Ltd
C
Cholamandalam Investment & Finance Company Ltd Finance
₹ 1,422.40 -20.80 (-1.44%)
  • NSE
  • BSE

Overview

  • BSE Code 511243
  • NSE Symbol CHOLAFIN
  • ISIN Demat INE121A01024
  • Book Value (₹) 280.86
  • Face Value (₹) 2.00
  • Market Cap (₹ Cr.) 1,30,798.89
  • P/E (TTM) 30.71
  • EPS (TTM) 50.64
  • Div Yield (%) 0.13

Performance

Today’s Low 1,404.00
Today’s High 1,481.90

1,422.40
52W Low 1,168.00
52W High 1,684.40

1,422.40
Open 1,442.50
Prev. Close 1,443.20
Volume 64,84,530.00

Corporate Actions

Cholamandalam Investment and Finance Company Limited - Change in Directors/ Key Managerial Personnel/ Auditor/ Compliance Officer/ Share Transfer Agent
Apr 28, 2025

CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED has informed the Exchange about Change in Directors/ Key Managerial Personnel/ Auditor/ Compliance Officer/ Share Transfer Agent

Cholamandalam Investment and Finance Company Limited - Analysts/Institutional Investor Meet/Con. Call Updates
Apr 28, 2025

Cholamandalam Investment and Finance Company Limited has informed the Exchange about Audio link of recording of investors meet

About Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment and Finance Company Limited (Chola) originated as in 1978. The company was established as the financial services arm of the Murugappa Group. The company commenced business as an equipment financing company. Since then, it has grown as a comprehensive financial services provider bringing forth home loans, vehicle finance, loans against property (LAP), SME loans, secured business personal loans (SBPL), consumer and small enterprises loans (CSEL) and a variety of other financial services to customers. The company was listed on BSE in 1991 after an IPO. During the same year, Chola expanded its product range by launching automobile finance under its Credit Cars Scheme. New Ambadi Investments Pvt Ltd  (NAIL) gained complete control of a 14.9% stake in 2000.  The company’s name was changed to Cholamandalam DBS Finance Ltd from Cholamandalam Investment & Finance Company Ltd. in 2006. After 4 years, Its name was again changed from M/s. Cholamandalam DBS Finance Ltd to M/s. Cholamandalam Investment and Finance Company Ltd in 2010. In 2016, the company strengthened its footprint in Karnataka by opening 4 new branches. The company launched its co-lending business with technology from Nucleus Software in 2020. Chola won the 2nd Prize for Digitization in HR at the CII National HR Circle Competition 2019.

Business Segments

  • Business Vehicle Loan:The organization possesses an experience of over 3 decades in vehicle finance. It is a dominant player with a strong presence in rural, semi-urban and urban markets.
  • Loan Against Property (LAP):Chola is a major player in the Indian NFBC LAP market with over ₹ 21,000 crore assets under management. Under this segment, the organization’s products include Business loans against property (Prime LAP) and Micro loans against property (Micro LAP).
  • Home Loans:The organization has emerged as a leading home loan provider to lower middle-income families in urban and semi-urban markets with an AUM of over ₹8,000 crore.
  • Consumer & Small Enterprise Loan (CSEL):The company offers personal and professional under this segment.
  • Secured Business & Personal Loan (SBPL):The SBPL division offers collateral-backed business and personal loans on the basis of the credit assessment and cashow projections of businesses.
  • Small And Medium Enterprise Loans (SME):The SME division offers bouquets of products to match the requirements of working capital and capex of SMEs. The products under this segment include Supply Chain Finance, Term Loans, Equipment Finance, and Loans against Securities.

Subsidiaries

  • Cholamandalam Securities Limited (CSEC):It is one of the foremost stock broker in Southern India with over 20 years of operations in the financial market. CSEC supplies a wide range of financial products, such as Stock Broking and Depository Participant Services.
  • Cholamandalam Home Finance Limited:This subsidiary acts as a corporate agent with a composite licence from the Insurance Regulatory and Development Authority of India (IRDAI) for the distribution of insurance products.
  • Payswi Technologies Private Limited:It is engaged in the business of offline payment aggregator services and offers e-commerce solutions.

Key Personnel

Mr. Vellayan Subbiah, Chairman & Non-Executive Director Mr. Vellayan Subbiah is the Chairman & Non-Executive Director of the company. He has over 26 years of experience in the varied fields of consulting, technology, projects, financial services and engineering in senior positions across different industries.

Corporate Action

The company has no history of bonus issues, stock splits and other corporate actions.

Management Outlook

  • The organization will be core priorityed on scaling up through new product segments (CSEL, SME and SBPL) as well as improving efficiencies in existing segments (VF, LAP and HL).
  • In addition, Chola’s strong sales and collections set-up, combined with digital initiatives and branch reach, will also support improving efficiencies.

SWOT Analysis

Strengths
  • Unique and sound enterprise model.
  • Well-diversified revenue streams.
Weaknesses
  • Operates in high-risk segments, mainly in pre-owned commercial vehicles.
  • Higher dependence on wholesale funding.
Opportunities
  • Entered into SME and home loan segments, both having high growth potential.
  • Rising demand for financing.
Threats
  • Interest rate risks.
  • Intense competition from peers.
Founded: 1978
Chairman: Vellayan Subbiah
Managing Director: Ravindra Kumar Kundu.
Address: Dare House No 2 N S C Bose Rd, Parrys, Chennai, Tamil Nadu, 600001,