CHOLAHLDNG - CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED Share Price

Finance

₹1880.10+20.10(+1.08%)

Market Closed as of Aug 13, 2025, 15:30 IST

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Valuation
Market Cap	35.3 kCr
Price/Earnings (Trailing)	16.02
Price/Sales (Trailing)	1
EV/EBITDA	1.5
Price/Free Cashflow	-1.02
MarketCap/EBT	5.4
Enterprise Value	29.92 kCr

Fundamentals
Revenue (TTM)	35.17 kCr
Rev. Growth (Yr)	22.2%
Earnings (TTM)	4.84 kCr
Earnings Growth (Yr)	8.6%

Profitability
Operating Margin	19%
EBT Margin	19%
Return on Equity	17.96%
Return on Assets	2.15%
Free Cashflow Yield	-97.84%

Price to Sales Ratio

Latest reported: 1

Revenue (Last 12 mths)

Latest reported: 35 kCr

Net Income (Last 12 mths)

Latest reported: 5 kCr

Growth & Returns
Price Change 1W	4.8%
Price Change 1M	-8.3%
Price Change 6M	24.9%
Price Change 1Y	25%
3Y Cumulative Return	42.7%
5Y Cumulative Return	37.7%
7Y Cumulative Return	17.1%
10Y Cumulative Return	21.9%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-1.04 kCr
Cash Flow from Operations (TTM)	-34.2 kCr
Cash Flow from Financing (TTM)	39.65 kCr
Cash & Equivalents	5.39 kCr
Free Cash Flow (TTM)	-34.54 kCr
Free Cash Flow/Share (TTM)	-1.84 K

Balance Sheet
Total Assets	2.25 LCr
Total Liabilities	1.98 LCr
Shareholder Equity	26.95 kCr
Net PPE	1.9 kCr
Inventory	0.00
Goodwill	42.72 Cr

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.5
Interest/Cashflow Ops	-1.6

Dividend & Shareholder Returns
Dividend/Share (TTM)	1.3
Dividend Yield	0.07%
Shares Dilution (1Y)	0.00%
Shares Dilution (3Y)	0.00%

Risk & Volatility
Max Drawdown	-5.2%
Drawdown Prob. (30d, 5Y)	20%
Risk Level (5Y)	33.4%

Pros

Past Returns: Outperforming stock! In past three years, the stock has provided 42.7% return compared to 11.6% by NIFTY 50.

Technicals: Bullish SharesGuru indicator.

Growth: Awesome revenue growth! Revenue grew 25.4% over last year and 133.4% in last three years on TTM basis.

Size: Market Cap wise it is among the top 20% companies of india.

Profitability: Recent profitability of 14% is a good sign.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Smart Money: Smart money has been increasing their position in the stock.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	0.07%
Dividend/Share (TTM)	1.3
Shares Dilution (1Y)	0.00%
Earnings/Share (TTM)	117.37

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	21.25
RSI (5d)	80.7
RSI (21d)	31.85
MACD Signal	Sell
Stochastic Oscillator Signal	Hold
Grufity Signal	Buy
RSI Signal	Buy
RSI5 Signal	Sell
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Buy
SMA 20 Signal	Sell
SMA 50 Signal	Sell
SMA 100 Signal	Sell

Summary of Latest Earnings Report from CHOLAMANDALAM FINANCIAL HOLDINGS

Summary of CHOLAMANDALAM FINANCIAL HOLDINGS's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

The management of Cholamandalam Financial Holdings Limited highlighted a positive outlook, emphasizing sustained growth, prudent risk management, and strategic initiatives. Key points include:

Growth & Market Share:
- Motor insurance (64% of premium) grew ahead of industry (8% vs. 7.2% multi-line average), driven by new OEM partnerships and a shift toward cars (41.2% of motor portfolio). Market share rose to 5.5%.
Regulatory & Accounting Impact:
- Adoption of the 1/n accounting method for long-term non-motor business reduced upfront premium recognition (Rs. 124 crore deferred). Adjusted combined ratio improved to 108.9% (vs. 110.3% YoY).
Profitability & Investments:
- Q3 PBT at Rs. 137 crore; 9-month PBT at Rs. 486 crore. ROE improved to 13.6% (non-annualized). Investment corpus grew to Rs. 17,640 crore with Rs. 332 crore quarterly income.
Segment-Specific Strategies:
- Health Insurance: Higher loss ratios (75.5%) due to group health business; pricing adjustments and product revisions expected to improve margins.
- Expense Management: Technology spend rose to Rs. 92 crore (9M FY25), impacting expense ratios.
Regulatory Compliance:
- Focus on maintaining solvency (2.14x) and adhering to EoM (expense of management) glide path. Optimistic about regulatory flexibility to address 1/n method's impact on EoM compliance.
Future Outlook:
- Confident in outperforming industry growth, leveraging motor segment strength (cars, CVs) and prudent underwriting. Prioritizing portfolio diversification and efficiency.

The management remains committed to balancing growth with profitability, targeting sustained ROE improvement and market share gains.

Q&A Session

Last updated:

Question 1:
"In the current quarter, we are seeing little asset growth compared to what we delivered in the first half. So, is this growth largely driven because of you believing the competition has improved in the motor segment? And that's why you see the better opportunity to group a particular segment or to some extent, 1/n drove to go a little aggressive, a little on the motor so that overall growth doesn't get impacted. I just wanted to understand, was there any material change in the underlying market to drive the growth in the motor business?"

Answer Summary:
Growth was driven by festive season demand, new OEM car programs, and increased agency focus in motor. Strategic portfolio shifts toward higher car insurance (41.2% of motor) and reduced two-wheeler/CV contributions also contributed. The 1/n method influenced reporting but did not drive aggressive growth.

Question 2:
"What's on health loss ratios for the quarter? [...] Still, the loss ratio has deteriorated. Any color to understand and any corrective measures to be taken there?"

Answer Summary:
Higher health loss ratios (75.5) stemmed from expanding employer-employee group health business, which inherently has elevated loss ratios. Retail health product price hikes (effective October 2024) and revisions (January 2025) aim to improve ratios. Loss ratios are expected to stabilize around 72%, not reverting to historical lows due to segment mix.

Question 3:
"We were under the impression that the 1/n accounting should impact combined, but it should not have any impact on profits [...] So, what explains that difference, what led to that 7-8-9 crores of extra profit if we would have not followed 1/n accounting?"

Answer Summary:
The 1/n method marginally reduced PBT by ~Rs.7"“8 crore due to reinsurance (RI) commission adjustments and minor commission impacts. Profit recognition timing under 1/n altered RI expense allocation but had no material effect on overall profitability.

Question 4:
"Do you expect regulators to give a leeway on EoM compliance [...] And second thing is that if it doesn't come, then in these long-term plans, is it possible to defer the commissions so that industry becomes EoM compliant?"

Answer Summary:
The industry anticipates regulatory guidance to address EoM ratio challenges from 1/n. Commission deferral feasibility varies by channel due to intermediaries' financial needs. The company may cautiously manage high-cost products to ensure compliance while prioritizing economically profitable long-term business.

Revenue Breakdown

Analysis of CHOLAMANDALAM FINANCIAL HOLDINGS's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Mar 31, 2025

Description	Share	Value
Financing	77.7%	7 kCr
Insurance	21.7%	2 kCr
Others	0.6%	51.5 Cr
Total		9.1 kCr

Share Holdings

Understand CHOLAMANDALAM FINANCIAL HOLDINGS ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
AMBADI INVESTMENTS LIMITED	37.69%
NIPPON LIFE INDIA TRUSTEE LTD-A/C NIPPON INDIA NIF	4.68%
SBI NIFTY SMALLCAP 250 INDEX FUND	3.11%
AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL F	2.39%
HDFC LARGE AND MID CAP FUND	1.75%
ADITYA BIRLA SUN LIFE TRUSTEE PRIVATE LIMITED A/C	1.3%
CANARA ROBECO MUTUAL FUND A/C CANARA ROBECO VALUE	1.25%
FIRST SENTIER INVESTORS ICVC - STEWART INVESTORS I	1.11%
BANDHAN SMALL CAP FUND	1.02%
M A M ARUNACHALAM	0.45%
LAKSHMI RAMASWAMY FAMILY TRUST(AA ALAGAMMAI & LAKSHMI RAMASWAMY HOLDS SHARES ON BEHALF OF TRUST)	0.4%
MURUGAPPA EDUCATIONAL AND MEDICAL FOUNDATION	0.39%
M.A.ALAGAPPAN	0.38%
A VELLAYAN	0.34%
LAKSHMI CHOCKA LINGAM	0.33%
Shambho Trust (M V Subbiah & S Vellayan are trustees of the trust)	0.31%
M A MURUGAPPAN HOLDINGS LLP	0.29%
M A ALAGAPPAN HOLDINGS PRIVATE LIMITED	0.28%
Meenakshi Murugappan Family Trust (M M Murugappan & Meenakshi Murugappan are trustees of the trust)	0.27%
Saraswathi Trust (M V Subbiah, S Vellayan & M V Seetha Subbiah are trustees of the trust)	0.27%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is CHOLAMANDALAM FINANCIAL HOLDINGS Better than it's peers?

Detailed comparison of CHOLAMANDALAM FINANCIAL HOLDINGS against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	5.36 LCr	73.15 kCr	-6.10%	+33.40%	17.72	7.33	-	-
SHRIRAMFIN	Shriram Finance	1.17 LCr	43.8 kCr	-7.50%	+7.10%	16.42	2.66	-	-
SUNDARMFIN	SUNDARAM FINANCE	49.67 kCr	8.56 kCr	-11.40%	+16.00%	26.22	5.8	-	-
M&MFIN	Mahindra & Mahindra Financial Services	35.93 kCr	19.19 kCr	-3.60%	-10.90%	14.09	1.87	-	-

Sector Comparison: CHOLAHLDNG vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

CHOLAHLDNG metrics compared to Finance

Category	CHOLAHLDNG	Finance
PE	15.85	18.28
PS	0.99	1.83
Growth	25.4 %	16.2 %

Performance Comparison

CHOLAHLDNG vs Finance (2021 - 2025)

Key Insights

1. CHOLAHLDNG is among the Top 3 Investment Company companies by market cap.
2. The company holds a market share of 22.8% in Investment Company.
3. In last one year, the company has had an above average growth that other Investment Company companies.

Income Statement for CHOLAMANDALAM FINANCIAL HOLDINGS

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	28.3%	33,460	26,087	18,376	14,735	13,905	13,136
Revenue From Operations	28.4%	33,125	25,804	18,146	14,644	13,900	13,135
Total interest earned	33.5%	24,855	18,620	12,921	10,251	9,886	8,742
Dividend income	41.2%	25	18	7.02	4.23	1.74	2.24
Fees and commission income	26%	1,974	1,567	1,035	801	536	0
Revenue from sale of services	-89.1%	3.51	24	81	85	80	0
Other revenue from operations	14%	5,785	5,074	4,015	3,436	3,201	4,000
Other income	18.4%	335	283	230	91	4.75	1.03
Total Expenses	29.6%	27,060	20,887	14,552	11,691	11,505	11,330
Employee Expense	26.6%	3,790	2,994	1,844	1,354	936	837
Finance costs	35.1%	12,494	9,249	5,778	4,328	4,608	4,592
Depreciation and Amortization	19.4%	296	248	176	154	145	150
Impairment on financial instruments	87.4%	2,452	1,309	840	836	1,433	1,178
Other expenses	13.3%	8,028	7,087	5,913	5,019	4,383	4,573
Profit Before exceptional items and Tax	23.1%	6,400	5,200	3,824	3,044	2,400	1,806
Total profit before tax	23.1%	6,400	5,200	3,824	3,044	2,400	1,806
Current tax	36.2%	1,789	1,314	991	721	900	687
Deferred tax	-364.4%	-123.27	48	15	80	-263.84	-45.49
Tax expense	22.4%	1,666	1,361	1,006	801	636	642
Total profit (loss) for period	23.1%	4,740	3,851	2,810	2,239	1,764	1,165
Other comp. income net of taxes	26.9%	67	53	-134.33	87	-64.33	-70.61
Total Comprehensive Income	23.1%	4,807	3,904	2,675	2,326	1,700	1,094
Reserve excluding revaluation reserves	21.8%	26,949	22,124	16,239	-	5,367	4,572
Earnings Per Share, Basic	22.9%	115.76	94.39	68.72	54.5	43.93	29.35
Earnings Per Share, Diluted	22.9%	115.76	94.39	68.72	54.49	43.93	29.34

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Total income	4.2%	9,383	9,009	8,593	8,180	7,677	7,158
Revenue From Operations	4.3%	9,296	8,913	8,489	8,090	7,633	7,083
Total interest earned	3.6%	6,954	6,710	6,451	6,052	5,643	5,196
Dividend income	-43.2%	5.77	9.4	3.29	6.58	5.34	6
Fees and commission income	0.4%	537	535	485	478	476	480
Revenue from sale of services	93.6%	0.97	0.53	0.62	1.99	0.37	0.41
Other revenue from operations	-2.3%	1,519	1,555	1,565	1,412	1,318	1,284
Other income	-9.5%	87	96	104	90	45	74
Total Expenses	7.5%	7,688	7,149	7,124	6,669	6,119	5,602
Employee Expense	-0.2%	1,050	1,052	1,001	928	809	904
Finance costs	3.2%	3,468	3,361	3,280	3,058	2,796	2,582
Depreciation and Amortization	0%	79	79	72	74	70	88
Impairment on financial instruments	51.1%	882	584	664	622	582	187
Other expenses	6.5%	2,209	2,074	2,106	1,986	1,862	1,841
Profit Before exceptional items and Tax	-8.9%	1,695	1,860	1,469	1,512	1,559	1,556
Total profit before tax	-8.9%	1,695	1,860	1,469	1,512	1,559	1,556
Current tax	-12.5%	486	555	483	418	333	270
Deferred tax	9.2%	-49.44	-54.56	-104.1	-30.94	66	160
Tax expense	-12.6%	437	500	378	387	400	430
Total profit (loss) for period	-7.5%	1,260	1,362	1,093	1,125	1,160	1,144
Other comp. income net of taxes	191.9%	50	-52.34	84	19	16	42
Total Comprehensive Income	0%	1,310	1,310	1,177	1,145	1,176	1,186
Reserve excluding revaluation reserves	-	-	-	-	-	-	22,124
Earnings Per Share, Basic	-5.9%	30.81	32.68	25.89	27.99	29.2	27.32
Earnings Per Share, Diluted	-5.9%	30.81	32.68	25.89	27.99	29.2	27.32

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	0%	86	86	84	84	58	91
Revenue From Operations	0%	86	86	84	84	58	91
Total interest earned	45.5%	1.32	1.22	0.83	0.86	1.5	6.22
Dividend income	0%	75	75	75	75	49	77
Revenue from sale of services	0.6%	10	9.95	8.1	7.95	7.95	8.06
Other income	-	0	0	0	0	0.09	0.02
Total Expenses	-56.1%	3.63	6.99	9.9	13	24	3.97
Employee Expense	36.5%	1.86	1.63	1.4	1.25	1.07	1.03
Finance costs	-138%	0	3.63	7.03	10	22	1.48
Depreciation and Amortization	2%	0.03	0.01	0.01	0.02	0.01	0.01
Impairment on financial instruments	-	0	0	0	0	0.05	0
Other expenses	2.8%	1.74	1.72	1.46	1.36	1.45	1.45
Profit Before exceptional items and Tax	5.1%	83	79	74	71	34	87
Total profit before tax	5.1%	83	79	74	71	34	87
Current tax	6.2%	18	17	16	15	12	3.6
Deferred tax	-	-0.03	0	0	0	0	0
Tax expense	6.2%	18	17	16	15	12	3.6
Total profit (loss) for period	3.3%	64	62	58	56	22	83
Other comp. income net of taxes	782.8%	9.74	-0.28	0.22	0.58	0.53	-0.61
Total Comprehensive Income	21.7%	74	61	58	56	22	83
Reserve excluding revaluation reserves	4.9%	1,351	1,288	1,236	-	1,122	-
Earnings Per Share, Basic	6.1%	3.43	3.29	3.08	2.96	1.16	4.44
Earnings Per Share, Diluted	6.1%	3.43	3.29	3.08	2.96	1.16	4.44
Debt equity ratio	-	-	0	004	008	-	0

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Total income	-94.8%	3.65	52	2.96	29	2.58	52
Revenue From Operations	-94.8%	3.65	52	2.96	29	2.58	52
Total interest earned	133.3%	1.15	0.55	0.46	0.23	0.08	0.56
Dividend income	-102.1%	0	48	0	26	0	48
Revenue from sale of services	0%	2.5	2.5	2.5	2.5	2.5	2.49
Total Expenses	-136%	0.82	1.5	0.67	0.74	0.72	2.37
Employee Expense	1.9%	0.49	0.48	0.49	0.48	0.41	0.42
Finance costs	-	0	0	0	0	0	0.87
Depreciation and Amortization	0%	0.01	0.01	0.01	0	0.01	0.01
Other expenses	-6900%	0.32	1.01	0.17	0.26	0.3	1.07
Profit Before exceptional items and Tax	-96.3%	2.83	50	2.29	28	1.86	49
Total profit before tax	-96.3%	2.83	50	2.29	28	1.86	49
Current tax	-102.5%	0.72	12	0.4	4.87	0.47	12
Deferred tax	2.9%	0	-0.03	0	0	0	0
Tax expense	-102.5%	0.72	12	0.4	4.87	0.47	12
Total profit (loss) for period	-97%	2.11	38	1.89	24	1.39	37
Other comp. income net of taxes	-110.5%	0.07	9.82	-0.1	-0.14	0.16	0.08
Total Comprehensive Income	-97.4%	2.18	47	1.79	23	1.55	37
Reserve excluding revaluation reserves	-	-	-	-	-	-	1,288
Earnings Per Share, Basic	-189%	0.11	2	0.1	1.25	0.07	1.96
Earnings Per Share, Diluted	-189%	0.11	2	0.1	1.25	0.07	1.96
Debt equity ratio	-	-	-	-	-	-	0

Balance Sheet for CHOLAMANDALAM FINANCIAL HOLDINGS

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	-	5,386	-	4,908	973	5,081	1,055
Derivative financial instruments	-	203	-	92	248	288	273
Trade receivables	-	204	-	209	214	694	99
Other receivables	-	66	-	129	140	164	95
Loans	-	182,038	-	163,754	144,463	122,944	104,810
Investments	-	24,271	-	22,463	20,095	18,367	17,559
Other financial assets	-	3,075	-	2,698	2,577	2,181	1,675
Total finanical assets	-	219,537	0	198,447	-	-	-
Current tax assets (Net)	-	396	-	723	599	609	482
Investment property	-	29	-	29	29	29	29
Property, plant and equipment	-	1,901	-	1,763	1,670	580	507
Capital work-in-progress	-	3.69	-	0	0	0	36
Goodwill	-	43	-	43	43	43	43
Total non-financial assets	-	5,079	0	5,230	-	-	-
Total assets	-	224,616	-	203,678	176,918	156,624	131,033
Equity share capital	-	19	-	19	19	19	19
Non controlling interest	-	14,434	-	-	11,882	9,490	8,597
Total equity	-	26,949	-	24,456	22,124	17,966	16,258
Derivative financial instruments	-	285	-	273	187	143	134
Debt securities	-	30,223	-	28,685	24,813	25,138	19,654
Borrowings	-	133,792	-	120,899	104,511	89,268	73,186
Subordinated liabilities	-	10,352	-	7,746	4,690	4,847	4,351
Total financial liabilities	-	190,445	0	172,160	-	-	-
Current tax liabilities	-	0.93	-	1.34	0	17	0
Provisions	-	248	-	246	218	183	164
Total non financial liabilities	-	7,222	0	7,062	-	-	-
Total liabilities	-	197,667	-	-	154,794	138,658	114,775
Total equity and liabilities	-	224,616	-	203,678	176,918	156,624	131,033

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	-	0.78	-	0.13	8.49	0.47	2.46
Investments	-	1,291	-	1,279	1,279	1,279	1,280
Other financial assets	-	0	-	0	0.02	0.02	0.02
Total finanical assets	-	1,355	0	1,304	-	-	-
Current tax assets (Net)	-	0	-	0	0.52	0	0.56
Total non-financial assets	-	0.18	0	0.26	-	-	-
Total assets	-	1,355	-	1,304	1,289	1,303	1,288
Equity share capital	-	19	-	19	19	19	19
Total equity	-	1,351	-	1,302	1,288	1,250	1,236
Debt securities	-	0	-	0	0	52	0
Borrowings	-	0	-	0	0	0	50
Total financial liabilities	-	1.28	0	0.52	-	-	-
Current tax liabilities	-	0.93	-	1.34	0	0.08	-
Provisions	-	0.06	-	0.05	0.04	0.04	0.03
Total non financial liabilities	-	2.86	0	1.66	-	-	-
Total liabilities	-	4.14	-	-	1.65	53	52
Total equity and liabilities	-	1,355	-	1,304	1,289	1,303	1,288

Cash Flow for CHOLAMANDALAM FINANCIAL HOLDINGS

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	35.1%	12,494	9,249	5,778	4,328	4,608	-
Depreciation	20.2%	298	248	176	154	145	-
Impairment loss / reversal	87.4%	2,452	1,309	840	835	1,433	-
Dividend income	41.2%	25	18	7.02	4.23	1.74	-
Adjustments for interest income	21.4%	1,776	1,463	1,115	932	1,013	-
Share-based payments	35.2%	74	55	28	20	5.64	-
Net Cashflows From Operations	-273.5%	-24,418.77	14,074	9,431	7,376	-5,256.67	-
Dividends received	41.2%	25	18	7.02	4.23	1.74	-
Interest paid	36.8%	12,033	8,796	5,324	4,155	4,571	-
Interest received	22.1%	1,740	1,425	1,119	903	946	-
Income taxes paid (refund)	6.2%	1,514	1,425	1,012	905	839	-
Other inflows/outflows of cash	104.9%	2,000	-41,021.81	-33,550.19	-8,961.29	0	-
Net Cashflows From Operating Activities	4.3%	-34,201.3	-35,726.42	-29,328.73	-5,738.48	-9,719.16	-
Proceeds from sales of PPE	105.9%	15	7.8	3.73	2.54	2.07	-
Purchase of property, plant and equipment	-70.9%	341	1,169	248	115	64	-
Other inflows/outflows of cash	51.4%	-711.15	-1,464.08	-12.71	-23.03	0	-
Net Cashflows From Investing Activities	60.4%	-1,037.72	-2,624.99	-257.03	-135.48	-62.07	-
Proceeds from issuing shares	-97.7%	48	2,009	26	24	0	-
Proceeds from exercise of stock options	-	0	0	0	0	9.58	-
Proceeds from issuing debt etc	-100%	0	27,598	0	0	19,056	-
Proceeds from borrowings	37.8%	160,556	116,509	107,901	35,253	48,338	-
Repayments of borrowings	12.1%	120,702	107,673	80,452	29,957	58,585	-
Payments of lease liabilities	108.7%	145	70	87	83	82	-
Dividends paid	1%	104	103	100	100	58	-
Other inflows (outflows) of cash	-	0	0	552	1,936	-884.2	-
Net Cashflows From Financing Activities	3.6%	39,652	38,269	27,840	7,073	7,794	-
Net change in cash and cash eq.	5401.6%	4,413	-82.22	-1,745.98	1,199	-1,987.36	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	-138%	0	3.63	7.03	10	22	-
Depreciation	2%	0.03	0.01	0.01	0.02	0.01	-
Impairment loss / reversal	-	0	0	0	0	0.05	-
Adjustments for interest income	45.5%	1.32	1.22	0.83	0.86	1.5	-
Net Cashflows From Operations	-7%	81	87	80	80	84	-
Interest paid	-138.3%	0	3.61	7	10	22	-
Interest received	-450%	0.23	1.22	0.83	0.89	1.59	-
Income taxes paid (refund)	0%	17	17	17	16	11	-
Other inflows/outflows of cash	-	-62.02	0	-4.34	2.72	0	-
Net Cashflows From Operating Activities	-97.3%	2.75	67	53	58	52	-
Purchase of property, plant and equipment	-	0.02	0	0	0	0	-
Purchase of intangible assets	-6.4%	0	0.06	0	0.02	0	-
Net Cashflows From Investing Activities	3.8%	-0.02	-0.06	0	-0.02	0	-
Proceeds from issuing shares	-	0	0	1.45	0.67	0	-
Proceeds from exercise of stock options	-	0	0	0	0	0.22	-
Proceeds from issuing debt etc	-	0	0	0	0	150	-
Repayments of borrowings	-102%	0	50	50	50	200	-
Dividends paid	-10%	10	11	11	11	0.34	-
Net Cashflows From Financing Activities	81.5%	-10.44	-60.93	-59.14	-59.87	-50.18	-
Net change in cash and cash eq.	-273.2%	-7.71	6.03	-6.47	-2.26	1.78	-

What does CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED do?

Investment Company•Financial Services•Small Cap

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home, and small and medium-sized enterprise loans, as well as secured, business and personal, and consumer and small enterprise loans; and general insurance services. Cholamandalam Financial Holdings Limited was formerly known as TI Financial Holdings Limited. The company was incorporated in 1949 and is based in Chennai, India.

Industry Group:Finance

Employees:2

Website:cholafhl.com

CHOLAHLDNG - CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED Share Price

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What does CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED do?