Cholamandalam Investment & Finance Company Ltd
NSE :CHOLAFIN BSE :511243 Sector : FinanceBuy, Sell or Hold CHOLAFIN? Ask The Analyst
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28 Mar 1519.95 (-0.77%) | 27 Mar 1531.70 (0.62%) | 26 Mar 1522.25 (-0.44%) | 25 Mar 1529.05 (-0.02%) | 24 Mar 1529.30 (-0.60%) | 21 Mar 1538.50 (3.03%) | 20 Mar 1493.20 (-1.32%) | 19 Mar 1513.25 (-0.13%) | 18 Mar 1515.25 (4.10%) | 17 Mar 1455.60 (0.75%) | 13 Mar 1444.70 (-0.47%) | 12 Mar 1451.50 (0.19%) | 11 Mar 1448.75 (2.06%) | 10 Mar 1419.55 (-2.59%) | 07 Mar 1457.35 (-0.09%) | 06 Mar 1458.60 (0.81%) | 05 Mar 1446.90 (-0.19%) | 04 Mar 1449.60 (2.10%) | 03 Mar 1419.75 (1.36%) | 28 Feb 1400.75 (-2.63%) | 27 Feb 1438.65 (5.18%) |
Technical Analysis
Short Term Investors

Bullish
Medium Term Investors

Very Bullish
Long Term Investors

Very Bullish
Moving Averages
5 DMA
Bearish
1525.26
10 DMA
Bullish
1513.83
20 DMA
Bullish
1476.72
50 DMA
Bullish
1384.84
100 DMA
Bullish
1319.54
200 DMA
Bullish
1381.55
Intraday Support and Resistance
(Based on Pivot Points) undefined |
Updated On Mar 28, 2025 04:00 PM For Next Trading Session
Pivots | Classic | Fibonacci | Camarilla | Woodie | DM |
---|---|---|---|---|---|
R3 | 1558.64 | 1547.32 | 1526.83 | - | - |
R2 | 1547.32 | 1537.77 | 1524.53 | 1546.73 | - |
R1 | 1533.64 | 1531.87 | 1522.24 | 1532.46 | 1540.48 |
P | 1522.32 | 1522.32 | 1522.32 | 1521.73 | 1525.74 |
S1 | 1508.64 | 1512.77 | 1517.66 | 1507.46 | 1515.48 |
S2 | 1497.32 | 1506.87 | 1515.37 | 1496.73 | - |
S3 | 1483.64 | 1497.32 | 1513.08 | - | - |
Key Metrics
EPS
48.16
P/E
31.55
P/B
5.98
Dividend Yield
0.13%
Market Cap
1,27,819 Cr.
Face Value
2
Book Value
254.06
ROE
20.1%
EBITDA Growth
4,798.73 Cr.
Debt/Equity
6.83
Shareholding History
Quarterly Result (Figures in Rs. Crores)
Cholamandalam Investment & Finance Company Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 5054.76 | 5515.37 | 5857.28 | 6323.01 | 6837.83 | |
PROFIT | 872.02 | 1065.23 | 947.15 | 967.8 | 1088.21 | |
EPS | 10.4 | 12.68 | 11.27 | 11.52 | 12.95 |
Cholamandalam Investment & Finance Company Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 5018.69 | 5492.08 | 5828.97 | 6292.75 | 6812.35 | |
PROFIT | 876.16 | 1058.1 | 942.23 | 963.05 | 1086.53 | |
EPS | 10.45 | 12.6 | 11.22 | 11.46 | 12.93 |
Profit & Loss (Figures in Rs. Crores)
Cholamandalam Investment & Finance Company Ltd Profit & Loss
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 3715.47 | 4215.95 | 4696.84 | 5559.28 | 7108.83 | 8712.63 | 9639.72 | 10231.81 | 13105.59 | 19419.87 | |
PROFIT | 444.48 | 574.86 | 719.43 | 919.37 | 1198.16 | 1053.8 | 1521.19 | 2153.56 | 2665.34 | 3420.82 | |
EPS | 5.99 | 7.14 | 9.04 | 11.74 | 15.3 | 12.86 | 18.55 | 26.28 | 32.55 | 40.59 |
Cholamandalam Investment & Finance Company Ltd Profit & Loss
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 3691.19 | 4193.71 | 4660.34 | 5479.66 | 6992.64 | 8652.89 | 9575.56 | 10138.77 | 12977.98 | 19216.28 | |
PROFIT | 435.5 | 568.63 | 718.75 | 918.37 | 1186.23 | 1052.45 | 1515.25 | 2146.76 | 2666.75 | 3423.5 | |
EPS | 6.02 | 7.25 | 9.19 | 11.74 | 15.17 | 12.84 | 18.47 | 26.13 | 32.42 | 40.73 |
Balance Sheet (Figures in Rs. Crores)
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
SOURCES OF FUNDS : | ||||||||||
Share Capital | 168.06 | 164.48 | 164.28 | 164.07 | 163.98 | 156.42 | 156.4 | 156.34 | 156.21 | 643.73 |
Reserves Total | 19,423.59 | 14,181.62 | 11,604.72 | 9,435.73 | 8,035.78 | 6,052.29 | 4,969.06 | 4,141.39 | 3,513.47 | 2,529.95 |
Equity Application Money | 1.59 | 0 | 0 | 0 | 0.1 | 0 | 0 | 0.18 | 0.03 | 0.68 |
Total Shareholders Funds | 19,593.24 | 14,346.1 | 11,769 | 9,599.8 | 8,199.86 | 6,208.71 | 5,125.46 | 4,297.91 | 3,669.71 | 3,174.36 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0.34 | 2 | 3.5 | 0 |
Secured Loans | 1,23,946.75 | 88,326.82 | 62,534.47 | 56,324.89 | 49,017.26 | 42,518.2 | 31,820.15 | 18,669.58 | 17,111.52 | 16,369.04 |
Unsecured Loans | 10,528.13 | 9,030.68 | 6,639.03 | 7,405.1 | 5,988.17 | 8,048.54 | 6,510.19 | 5,401.02 | 5,434.95 | 3,081.2 |
Total Loan Funds | 1,34,474.88 | 97,357.5 | 69,173.5 | 63,729.99 | 55,005.43 | 50,566.74 | 38,330.34 | 24,070.6 | 22,546.47 | 19,450.24 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 36.53 | 782.4 | 574.82 | 363.14 |
Total Liabilities | 1,54,068.12 | 1,11,703.6 | 80,942.5 | 73,329.79 | 63,205.29 | 56,775.45 | 43,492.67 | 29,152.91 | 26,794.5 | 22,987.74 |
APPLICATION OF FUNDS : | ||||||||||
Loan / Non-Current Assets | 1,44,462.65 | 1,04,809.65 | 74,144.71 | 65,839.34 | 55,395.73 | 52,610.77 | 42,108.87 | 19,935.44 | 18,187.66 | 15,467.97 |
Gross Block | 2,209.29 | 897.29 | 654.61 | 534.43 | 490.53 | 273.21 | 216.18 | 314.43 | 248.2 | 187.76 |
Less: Accumulated Depreciation | 645.94 | 494.61 | 396.01 | 306.84 | 207.36 | 105.9 | 45.68 | 164.66 | 127.92 | 118.88 |
Net Block | 1,563.35 | 402.68 | 258.6 | 227.59 | 283.17 | 167.31 | 170.5 | 149.77 | 120.28 | 68.88 |
Capital Work in Progress | 12.67 | 60.5 | 37.35 | 9.91 | 10.6 | 13.97 | 3.8 | 0 | 0 | 0 |
Investments | 4,035.75 | 3,561.87 | 2,055.05 | 1,583.49 | 32.7 | 41.5 | 22.72 | 182.08 | 15.95 | 24.58 |
Sundry Debtors | 214.17 | 99.13 | 71.31 | 56.6 | 30.19 | 41.28 | 68.84 | 21.84 | 11.53 | 11.83 |
Cash and Bank Balance | 4,393.73 | 3,007.1 | 4,301.84 | 5,279.77 | 7,000.74 | 3,708.46 | 951.85 | 493.76 | 509.46 | 352.2 |
Loans and Advances | 1,348.24 | 1,074.48 | 934.91 | 878.49 | 777.78 | 446.71 | 325.08 | 8,846.09 | 8,240.33 | 7,083.24 |
Total Current Assets | 5,956.14 | 4,180.71 | 5,308.06 | 6,214.86 | 7,808.71 | 4,196.45 | 1,345.77 | 9,361.69 | 8,761.33 | 7,447.27 |
Current Liabilities | 2,424.32 | 1,781.08 | 1,415.85 | 1,161.67 | 761.58 | 616.93 | 595.14 | 1,358.32 | 939.07 | 814.26 |
Provisions | 193.97 | 142.22 | 119.68 | 152.7 | 91.51 | 97.74 | 78.97 | 87 | 155.69 | 65.96 |
Total Current Liabilities & Provisions | 2,618.29 | 1,923.3 | 1,535.53 | 1,314.37 | 853.09 | 714.67 | 674.11 | 1,445.32 | 1,094.76 | 880.21 |
Net Current Assets | 3,337.85 | 2,257.41 | 3,772.53 | 4,900.49 | 6,955.62 | 3,481.78 | 671.66 | 7,916.37 | 7,666.56 | 6,567.05 |
Deferred Tax Assets | 689.26 | 626.26 | 680.25 | 768.97 | 531.71 | 475.23 | 365.81 | 328.84 | 299.96 | 205.4 |
Deferred Tax Liability | 33.41 | 14.77 | 5.99 | 0 | 4.24 | 15.11 | 0 | 13.47 | 17.57 | 20.78 |
Net Deferred Tax | 655.85 | 611.49 | 674.26 | 768.97 | 527.47 | 460.12 | 365.81 | 315.37 | 282.39 | 184.62 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 149.31 | 653.88 | 521.66 | 674.66 |
Total Assets | 1,54,068.12 | 1,11,703.6 | 80,942.5 | 73,329.79 | 63,205.29 | 56,775.45 | 43,492.67 | 29,152.91 | 26,794.49 | 22,987.75 |
Contingent Liabilities | 308.08 | 467.57 | 701.65 | 777.29 | 778.14 | 705.19 | 424.37 | 839.47 | 455.42 | 135.97 |
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
SOURCES OF FUNDS : | ||||||||||
Share Capital | 168.06 | 164.48 | 164.28 | 164.07 | 163.98 | 156.43 | 156.4 | 156.34 | 156.21 | 643.73 |
Reserves Total | 19,386.86 | 14,131.57 | 11,543.4 | 9,396.24 | 8,007.76 | 6,019.31 | 4,941.74 | 4,128.4 | 3,501.17 | 2,528.92 |
Equity Application Money | 1.59 | 0 | 0 | 0 | 0.1 | 0 | 0 | 0.18 | 0.03 | 0.68 |
Total Shareholders Funds | 19,556.51 | 14,296.05 | 11,707.68 | 9,560.31 | 8,171.84 | 6,175.74 | 5,098.14 | 4,284.92 | 3,657.41 | 3,173.33 |
Secured Loans | 1,23,946.75 | 88,326.82 | 62,534.47 | 56,324.89 | 49,017.26 | 42,518.2 | 25,447.7 | 18,669.58 | 17,111.52 | 16,369.04 |
Unsecured Loans | 10,526.83 | 9,029.24 | 6,639.03 | 7,405.1 | 5,988.17 | 8,048.54 | 12,882.63 | 5,439.52 | 5,464.7 | 3,106.2 |
Total Loan Funds | 1,34,473.58 | 97,356.06 | 69,173.5 | 63,729.99 | 55,005.43 | 50,566.74 | 38,330.33 | 24,109.1 | 22,576.22 | 19,475.24 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 36.28 | 782.4 | 574.79 | 363.14 |
Total Liabilities | 1,54,030.09 | 1,11,652.11 | 80,881.18 | 73,290.3 | 63,177.27 | 56,742.48 | 43,464.75 | 29,176.42 | 26,808.42 | 23,011.71 |
APPLICATION OF FUNDS : | ||||||||||
Loan / Non-Current Assets | 1,44,424.29 | 1,04,748.32 | 74,149.21 | 65,839.34 | 55,402.73 | 52,622.27 | 42,118.14 | 19,935.44 | 18,187.66 | 15,467.97 |
Gross Block | 2,188.73 | 880.91 | 639.96 | 517.44 | 475.74 | 265.98 | 205.31 | 296.5 | 231.64 | 177.2 |
Less: Accumulated Depreciation | 631.59 | 482.18 | 385.39 | 297.84 | 202.14 | 103.22 | 44.51 | 156.42 | 120.32 | 108.87 |
Net Block | 1,557.14 | 398.73 | 254.57 | 219.6 | 273.6 | 162.76 | 160.8 | 140.08 | 111.32 | 68.33 |
Capital Work in Progress | 12.45 | 60.34 | 36.98 | 9.82 | 10.26 | 13.1 | 3.8 | 0 | 0 | 0 |
Investments | 4,100.23 | 3,620.02 | 2,076.16 | 1,618.82 | 72.92 | 72.92 | 72.92 | 238.55 | 66.57 | 67.48 |
Sundry Debtors | 199 | 77.18 | 32.47 | 20.31 | 21.76 | 4.41 | 38.23 | 0 | 0 | 0 |
Cash and Bank Balance | 4,320.15 | 2,961.42 | 4,220.08 | 5,231.88 | 6,959.1 | 3,674.85 | 887.95 | 470.64 | 490.47 | 340.66 |
Loans and Advances | 1,183.36 | 1,041 | 922.45 | 844.85 | 741.19 | 422.99 | 298.67 | 8,847.73 | 8,235.12 | 7,077.33 |
Total Current Assets | 5,702.51 | 4,079.6 | 5,175 | 6,097.04 | 7,722.05 | 4,102.25 | 1,224.85 | 9,318.36 | 8,725.6 | 7,417.98 |
Current Liabilities | 2,227.98 | 1,722.52 | 1,363.9 | 1,106.29 | 734.36 | 588.21 | 547.32 | 1,331.94 | 924.65 | 796.25 |
Provisions | 192.7 | 140.88 | 118.27 | 151.83 | 90.76 | 95.61 | 77.66 | 86.44 | 155.25 | 65.26 |
Total Current Liabilities & Provisions | 2,420.68 | 1,863.4 | 1,482.17 | 1,258.12 | 825.12 | 683.82 | 624.98 | 1,418.38 | 1,079.89 | 861.51 |
Net Current Assets | 3,281.83 | 2,216.2 | 3,692.83 | 4,838.92 | 6,896.93 | 3,418.43 | 599.87 | 7,899.98 | 7,645.7 | 6,556.48 |
Deferred Tax Assets | 685.97 | 626.33 | 674.53 | 766.41 | 525.07 | 467.82 | 361.71 | 328.59 | 299.03 | 204.4 |
Deferred Tax Liability | 31.82 | 17.83 | 3.1 | 2.61 | 4.24 | 14.82 | 0 | 13.43 | 17.54 | 20.78 |
Net Deferred Tax | 654.15 | 608.5 | 671.43 | 763.8 | 520.83 | 453 | 361.71 | 315.16 | 281.49 | 183.62 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 147.51 | 647.21 | 515.67 | 667.84 |
Total Assets | 1,54,030.09 | 1,11,652.11 | 80,881.18 | 73,290.3 | 63,177.27 | 56,742.48 | 43,464.75 | 29,176.42 | 26,808.41 | 23,011.72 |
Contingent Liabilities | 260.08 | 427.57 | 671.15 | 777.29 | 761.66 | 704.08 | 423.51 | 822.27 | 453.83 | 134.42 |
Cash Flow (Figures in Rs. Crores)
Net Profit before Tax and Extr... | 4,605.31 |
Depreciation | 198.06 |
Interest (Net) | 8,760.33 |
P/L on Sales of Assets | 1.04 |
P/L on Sales of Invest | -23.43 |
Prov. and W/O (Net) | 1,336.83 |
P/L in Forex | 3.15 |
Total Adjustments (PBT and Ext... | 10,181.95 |
Operating Profit before Workin... | 14,787.26 |
Trade and 0ther Receivables | -210.84 |
Trade Payables | 389.07 |
Loans and Advances | -40,965.71 |
Total Adjustments (OP before W... | -40,861.25 |
Cash Generated from/(used in) ... | -26,073.99 |
Interest Paid(Net) | -8,301.06 |
Direct Taxes Paid | -1,308.1 |
Total Adjustments(Cash Generat... | -9,608.86 |
Cash Flow before Extraordinary... | -35,682.85 |
Net Cash from Operating Activi... | -35,682.85 |
Purchased of Fixed Assets | -1,076.24 |
Sale of Fixed Assets | 5.43 |
Purchase of Investments | -1,96,289.47 |
Sale of Investments | 1,95,955.62 |
Net Cash used in Investing Act... | -2,854.59 |
Proceeds from Issue of shares ... | 2,009.15 |
Proceed from Issue of Debentur... | 26,793.05 |
Proceed from 0ther Long Term B... | 1,17,663.81 |
On Redemption of Debenture | -21,948.45 |
Of the Long Tem Borrowings | -85,790.01 |
Of Financial Liabilities | -89.54 |
Dividend Paid | -166.78 |
Net Cash used in Financing Act... | 38,471.23 |
Net Profit before Tax and Extr... | 4,582.1 |
Depreciation | 195.77 |
Interest (Net) | 8,778.01 |
Dividend Received | 114.65 |
P/L on Sales of Assets | 1 |
P/L on Sales of Invest | -32.23 |
Prov. and W/O (Net) | 1,341.03 |
P/L in Forex | 3.15 |
Total Adjustments (PBT and Ext... | 10,093.14 |
Operating Profit before Workin... | 14,675.24 |
Trade and 0ther Receivables | -208.4 |
Trade Payables | 260.13 |
Loans and Advances | -40,988.02 |
Total Adjustments (OP before W... | -40,875.75 |
Cash Generated from/(used in) ... | -26,200.51 |
Interest Paid(Net) | -8,294.26 |
Direct Taxes Paid | -1,272.75 |
Total Adjustments(Cash Generat... | -9,567.01 |
Cash Flow before Extraordinary... | -35,767.52 |
Net Cash from Operating Activi... | -35,767.52 |
Purchased of Fixed Assets | -1,048.55 |
Sale of Fixed Assets | 5.43 |
Purchase of Investments | -1,96,289.47 |
Sale of Investments | 1,95,928.7 |
Net Cash used in Investing Act... | -2,705.47 |
Proceeds from Issue of shares ... | 2,009.15 |
Proceed from Issue of Debentur... | 26,793.05 |
Proceed from 0ther Long Term B... | 1,17,253.16 |
On Redemption of Debenture | -21,948.45 |
Of the Long Tem Borrowings | -85,446.08 |
Of Financial Liabilities | -89.38 |
Dividend Paid | -166.78 |
Net Cash used in Financing Act... | 38,404.67 |
Company Details
Registered Office |
|
Address | Dare House No 2 N S C Bose Rd, Parrys |
City | Chennai |
State | Tamil Nadu |
Pin Code | 600001 |
Tel. No. | 91-044-30007172 |
Fax. No. | 91-044-25346464 |
investors@chola.murugappa.com | |
Internet | https://www.cholamandalam.com/ |
Registrars |
|
Address | Dare House No 2 N S C Bose Rd |
City | Chennai |
State | Tamil Nadu |
Pin Code | 600001 |
Tel. No. | 91-044-30007172 |
Fax. No. | 91-044-25346464 |
investors@chola.murugappa.com | |
Internet | https://www.cholamandalam.com/ |
Management |
|
Name | Designation |
P Sujatha | Company Sec. & Compli. Officer |
N Ramesh Rajan | Independent Director |
Bhama Krishnamurthy | Independent Director |
Ravindra Kumar Kundu. | Managing Director |
Vellayan Subbiah | Chairman (Non-Executive) |
M A M Arunachalam | Non Executive Director |
Anand Kumar | Independent Director |
M R Kumar | Independent Director |