Cholamandalam Investment & Finance reports strong Q2, H1 growth

For the quarter and half-year ended September 30, 2025, Cholamandalam Investment and Finance Company Limited reported a 21% year-on-year (YoY) increase in Total AUM to ₹2,14,906 Cr. Net Income for the quarter rose by 26% YoY to ₹4,075 Cr, reaching ₹7,939 Cr for the half-year, a 27% YoY increase. Profit After Tax (PAT) for the quarter was ₹1,155 Cr (up 20% YoY) and ₹2,291 Cr for the half-year (up 20% YoY).

The company's aggregate disbursements in Q2 FY26 were ₹24,442 Cr, with Vehicle Finance contributing ₹13,539 Cr, Loan Against Property ₹4,630 Cr, and Home Loan business ₹1,697 Cr. Asset quality showed Stage 3 levels (90+ dues) at 3.35% as of September 25, with GNPA at 4.57% and NNPA at 3.07%.

The Capital Adequacy Ratio stood at 20.00% against a regulatory requirement of 15%, with Tier-I Capital at 14.59% and Tier-II Capital at 5.41%. The company also confirmed full utilization of Non-Convertible Debenture proceeds, with no deviation in purpose.