Last close ₹1,463.80down ₹67.10 (4.38%)BSE ₹1,464.15
Share price at the NSE close on 23 Oct 2026. Previous close ₹1,530.90.
52-week range of traded prices to 23 Oct 2026
₹1,299.40Low, 2 Apr 2026₹1,952.50High, 6 Aug 2026
- Next results date: the board meets on 28 Oct 2026 to consider: financial results and fund raising.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹1,25,522 Cr70th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 28 Jul 2026
- 21.8
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 30 Apr 2026
- 4.1
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.14%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 28 Jul 2026
- 21.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 6.79%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 7.43%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 1.77%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 2.34%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 8.26times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 32,39,30756.0% delivered
Results
Consolidated; ₹ crore, the charts by years to March, the table by quarter. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 28 Jul
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹8,856 Crup 5.22%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹1,656 Crup 0.67%
Income from operations by year
Peak income from operations ₹31,073 Cr, year to Mar 2026
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 26 Oct | Dec 2024Filed 4 Feb | Mar 2025Filed 25 Apr | Jun 2025Filed 31 Jul | Sep 2025Filed 6 Nov | Dec 2025Filed 30 Jan | Mar 2026Filed 30 Apr | Jun 2026Filed 28 Jul |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 |
| Net profit | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 |
Consolidated. The last eight quarters. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Vehicle FinanceVehicle Finance, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹16,511 Crup 17.05%54.0%
- Loan against propertyLoan against property, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹5,989 Crup 30.95%19.6%
- Home LoansHome Loans, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹3,241 Crup 29.55%10.6%
- OthersOthers, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹4,828 Crup 18.25%15.8%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer.PE ratio and valuation history
Price to earningsPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
At or below today's level on 22% of 2,457 trading days over the last 10 years.
LowestHighest
Its median26.4Industry median18.5
Price to bookPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet.
At or below today's level on 29% of 1,975 trading days since Nov 2018.
LowestHighest
Its median5.0Industry median1.1
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 16% of 2,480 trading days over the last 10 years.
LowestHighest
Its median0.30%Industry median0.77%
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −10.7% | +22.2% | −27.1% | 0.1% |
| 3 years | +21.3% | +24.1% | −2.3% | 0.2% |
| 5 years | +19.6% | +27.3% | −6.2% | 0.2% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Mutual funds holding it
329 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 106 of the 157 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.Mutual fund holdings
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 4
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 14
- AddedAdded. Funds that held more shares than at the end of the month before.
- 103
- CutCut. Funds that held fewer shares than at the end of the month before.
- 54
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 153
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end.
- 6
| Fund | |||
|---|---|---|---|
 SBI Large Cap FundSBI Mutual Fund | 66,00,000 | 2.04% | ₹1,069.2 Cr |
 HDFC Large Cap FundHDFC Mutual Fund | 52,39,720 | 2.28% | ₹848.8 Cr |
 Kotak Mid Cap FundKotak Mahindra Mutual Fund | 43,93,577 | 1.07% | ₹711.8 Cr |
 Axis ELSS Tax Saver FundAxis Mutual Fund | 42,10,411 | 2.25% | ₹682.1 Cr |
| Kotak Arbitrage FundKotak Mahindra Mutual Fund | 40,73,125 | 0.88% | ₹659.8 Cr |
| SBI Balanced Advantage FundSBI Mutual Fund | 36,37,178 | 1.45% | ₹589.2 Cr |
| Axis Large Cap FundAxis Mutual Fund | 35,95,016 | 1.99% | ₹582.4 Cr |
| Axis Focused FundAxis Mutual Fund | 33,23,446 | 5.14% | ₹538.4 Cr |
 ICICI Prudential Balanced Advantage FundICICI Prudential Mutual Fund | 31,60,951 | 0.71% | ₹512.1 Cr |
 DSP Midcap FundDSP Mutual Fund | 29,30,518 | 2.44% | ₹474.7 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Peers and competitors
Non Banking Financial Company (NBFC), 281 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to Cholamandalam Investment and Finance Company in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 Bajaj FinanceBAJFINANCE | 5,78,360 | 26.7 | 4.7 | – | +18.8% | +18.5% | 19.2% | – | 3.77% | 9.08% | 0.65% |
 Shriram FinanceSHRIRAMFIN | 2,03,538 | 18.0 | – | – | +14.2% | +16.8% | 18.5% | – | 3.26% | 9.00% | 1.25% |
 Tata CapitalTATACAP | 1,30,211 | 24.1 | 2.8 | – | – | – | 11.8% | – | – | – | 0.19% |
 Muthoot FinanceMUTHOOTFIN | 95,268 | 8.4 | 2.4 | – | +50.7% | +84.8% | 33.2% | – | 6.46% | 12.81% | 1.26% |
 SBI Cards and Payment ServicesSBICARD | 51,917 | 22.8 | 3.3 | – | +7.9% | +21.2% | 15.4% | – | 3.29% | 11.24% | 0.46% |
 Piramal FinancePIRAMALFIN | 44,354 | 23.4 | 1.4 | – | – | – | 6.5% | – | – | – | 0.59% |
 Sundaram FinanceSUNDARMFIN | 44,233 | 19.9 | 3.0 | – | +13.7% | +15.6% | 15.8% | – | 2.56% | 4.60% | 1.00% |
 Authum Investment & InfrastructureAIIL | 42,185 | 20.1 | 2.9 | 18.4 | −34.5% | −48.8% | 14.2% | 13.3% | – | – | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer; for NIM and ROA, where the company does not file a lender's accounts or has no recent year with a balance sheet at its start and its end. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up.Highest ₹2.00 a share, in 6 years, the latest the year to Mar 2026.
| Ex-date | Type | Per share |
|---|---|---|
| 21 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.70 |
| 5 Feb 2026 | Interim | ₹1.30 |
| 24 Jul 2025 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.70 |
| 7 Feb 2025 | Interim | ₹1.30 |
| 19 Jul 2024 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.70 |
| 7 Feb 2024 | Interim | ₹1.30 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
22 Oct · Analysts
Sep 2026
30 Sep · Disclosure
22 Sep · Suspension of Trading
Members of the Exchange are hereby informed that the trading in Compulsorily Convertible Debentures (CCDs) of Cholamandalam Investment and Finance Company Limited shall be suspended w.e.f. September 23, 2026 (ISIN: INE121A08PJ0) on account of Conversion.
Cholamandalam Investment and Finance Company share price by year
Each calendar year to 2025.Cholamandalam Investment and Finance Company share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 1,702.20 | +43.5% | 1,754.40 | 1,175.35 |
| 2024 | 1,185.95 | −5.9% | 1,641.75 | 1,019.60 |
| 2023 | 1,259.80 | +74.3% | 1,259.80 | 665.95 |
| 2022 | 722.90 | +38.9% | 802.20 | 537.25 |
| 2021 | 520.40 | +34.2% | 662.40 | 397.85 |
| 2020 | 387.65 | +26.9% | 388.70 | 122.10 |
| 2019 | 305.50 | +21.3% | 329.85 | 221.82 |
| 2018 | 251.94 | −3.1% | 348.29 | 211.07 |
| 2017 | 259.91 | +37.3% | 261.11 | 183.07 |
| 2016 | 189.32 | +47.5% | 245.63 | 118.99 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 1,500.00 | 1,500.30 | 1,450.00 | 1,463.80 | 1,470.27 | 32,39,307 | 56.0% |
| 22 Oct 2026 | 1,520.00 | 1,536.10 | 1,487.60 | 1,530.90 | 1,516.36 | 11,51,577 | 60.2% |
| 21 Oct 2026 | 1,565.30 | 1,565.30 | 1,508.60 | 1,529.90 | 1,525.26 | 22,80,725 | 64.0% |
| 19 Oct 2026 | 1,574.40 | 1,590.30 | 1,548.10 | 1,553.00 | 1,567.00 | 5,73,647 | 56.2% |
| 16 Oct 2026 | 1,587.20 | 1,591.50 | 1,562.90 | 1,574.40 | 1,575.50 | 10,13,776 | 54.9% |
| 15 Oct 2026 | 1,563.00 | 1,597.90 | 1,544.30 | 1,586.00 | 1,583.48 | 17,28,210 | 61.6% |
| 14 Oct 2026 | 1,610.70 | 1,612.90 | 1,552.50 | 1,563.00 | 1,567.84 | 26,08,343 | 63.4% |
| 13 Oct 2026 | 1,583.00 | 1,621.70 | 1,572.30 | 1,620.70 | 1,601.78 | 17,62,342 | 61.6% |
| 12 Oct 2026 | 1,590.10 | 1,606.30 | 1,571.80 | 1,580.70 | 1,588.55 | 11,63,686 | 62.7% |
| 9 Oct 2026 | 1,547.00 | 1,597.40 | 1,543.50 | 1,587.60 | 1,580.89 | 16,60,199 | 56.6% |
Prices in ₹ per share as traded, not adjusted.
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Stock split history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 23 Mar 2020 | Price move | – | Between two trading sessions the price moved by a fifth or more. The Nifty 500 moved 5% or more the same way over the same sessions. Not adjusted for. |
| 14 Jun 2019 | Split | 0.2000 | Each share became 5. |
| 11 Sep 2007 | Rights issue | – | Shareholders were offered new shares. Noted, not adjusted for. |
Earlier prices are multiplied by the factor, so the chart reads as one share held throughout. Any other event is noted and not adjusted for.
About Cholamandalam Investment and Finance Company
Cholamandalam Investment and Finance Company Limited, known as Chola, is a financial services provider. It offers vehicle finance, home loans, loans against property, SME loans, secured business and personal loans, consumer and small enterprise loans, gold loans and consumer durable loans. Its customers include small road transport operators, cash-salaried individuals and micro-enterprises with informal structures.
Chola was incorporated in 1978 as the financial services arm of the Murugappa Group. Its registered office is in Guindy, Chennai. It began as an equipment financing company and later started vehicle finance and tractor loans. Its subsidiaries include Cholamandalam Securities Limited, which is wholly owned, and Payswiff Technologies Private Limited, in which it holds 74.63% of the equity. Payswiff is engaged in offline payment aggregator services and provides e-commerce solutions.
As at March 2026, Chola has 1,761 branches across 26 states and 7 union territories. It has more than 47.5 lakh customers.
Chola belongs to the Murugappa Group, which has diverse businesses in agriculture, engineering, financial services and more. The group has 10 listed companies, including Carborundum Universal Limited and CG Power and Industrial Solutions Limited. Its products include abrasives, technical ceramics, electrominerals, electric vehicles, auto components, fans and transformers. Chola's promoters include Cholamandalam Financial Holdings Limited, another of the group's listed companies. A promoter is the person or group that set up a company or controls it.
- Legal name
- Cholamandalam Investment and Finance Company Limited
- NSE symbol
- CHOLAFIN
- BSE code
- 511243
- ISIN
- INE121A01024
- Industry
- Finance
- Listed
- Sep 1991 on BSE, May 1996 on NSE
- Face value
- ₹2
- Former symbols
- CHOLADBS, CHOLAINV
- CIN
- L65993TN1978PLC007576
- Corporate identity number, the registrar of companies' code for it
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