Cholamandalam Financial Holdings share price
NSE: CHOLAHLDNGBSE: 504973FinanceSmall Cap
Cholamandalam Financial Holdings Limited · Formerly TI Financial Holdings · Face value ₹1 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Jul 1979 on BSE, Jul 2010 on NSE
Last close ₹1,304.10up ₹43.10 (3.42%)BSE ₹1,302.25
Share price at the NSE close on 28 Oct 2026. Previous close ₹1,261.00.
28 Oct: open ₹1,261.00, high ₹1,312.00, low ₹1,248.00
52-week range of traded prices to 28 Oct 2026
₹1,236.70Low, 26 Oct 2026₹2,064.00High, 6 Nov 2025
- Next results date: the board meets on 6 Nov 2026 to consider: financial results. The notice · Results calendar
- 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. Market capitalisation: how it is worked out
- ₹24,488 Cr264th 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. Price to earnings, trailing: how it is worked out
- 9.18
- 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. Price to book: how it is worked out
- 1.58
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.10%
- 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.
- 19.1%
- 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. Net interest margin in the glossary
- 6.78%
- 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. Cost of funds in the glossary
- 7.48%
- 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. Credit cost in the glossary
- 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. Return on assets in the glossary
- 2.23%
- 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. Assets per rupee of net worth in the glossary
- 8.10times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 1,67,94340.9% delivered
About Cholamandalam Financial Holdings
Cholamandalam Financial Holdings Limited is a Core Investment Company, which means its main business is holding investments in other companies of its group. It falls under the Middle Layer category of non-banking finance companies in the Reserve Bank of India's scale based regulation. Its registered office is in Chennai. It was incorporated in 1949.
The company holds investments in three group companies. Cholamandalam Investment and Finance Company Limited is a lender that offers vehicle finance, home loans, loans against property, SME loans, consumer and small enterprise loans, secured business and personal loans, and gold loans. Cholamandalam MS General Insurance Company Limited offers general insurance, including motor, health, property, accident and engineering cover. Cholamandalam MS Risk Services Limited offers risk management and engineering solutions.
The lender has branches across 26 States and 7 Union Territories and serves over 47.5 lakh customers across India. The insurer covers 23 States and 5 Union Territories. The risk services company works across India and the Middle East.
The lender was established in 1978 as the financial services arm of the Murugappa Group. The insurer was established in 2002 as a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited of Japan. The risk services company is also a joint venture of the Murugappa Group with the Mitsui Sumitomo Insurance Group.
The company is part of the Murugappa Group, a diversified conglomerate with businesses in agriculture, engineering and financial services, and ten listed companies.
Written from the annual report for the year to Mar 2026, filed 22 Jul 2026 and the investor presentation.
Sources for 19 statements, each with its page
- It is a Core Investment Company whose primary business is holding investments in group entities. Annual report, page 16
- It falls under the Middle Layer NBFC category of RBI's scale based regulation. Annual report, page 16
- The registered office is in Chennai. Annual report, page 1
- It was incorporated in 1949 (year in the CIN). Annual report, page 1
- The company holds investments in three group companies, including a lender offering vehicle finance and home loans. Annual report, page 29
- The lender offers home loans, loans against property, SME loans, consumer and small enterprise loans, and secured business and personal loans. Annual report, page 19
- The lender also offers gold loans and has over 47.5 lakh customers across India. Annual report, page 19
- The insurer offers motor, health, property, accident and engineering insurance. Annual report, page 29
- The risk services company offers risk management and engineering solutions. Annual report, page 23
- The lender has branches across 26 States and 7 Union Territories. Annual report, page 19
- The insurer covers 23 States and 5 Union Territories. Annual report, page 21
- The risk services company works across India and the Middle East. Annual report, page 23
- The lender was established in 1978 as the financial services arm of the Murugappa Group. Annual report, page 19
- The insurer was established in 2002 as a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited (Japan). Annual report, page 21
- The risk services company is a joint venture with the Mitsui Sumitomo Insurance Group. Annual report, page 23
- The company is part of the Murugappa Group, a diversified conglomerate. Annual report, page 16
- The group has businesses in agriculture. Annual report, page 13
- The group has businesses in engineering and financial services. Annual report, page 13
- The group has ten listed companies. Annual report, page 13
Results
Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Cholamandalam Financial Holdings quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +17.8%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +21.1%
Quarter to Jun 2026, against the quarter before
- 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.
- ₹11,114 Crup 6.41%
- 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. Net profit in the glossary
- ₹1,789 Crup 10.05%
Income from operations by quarter
Peak income from operations ₹11,114 Cr, quarter to Jun 2026; lowest ₹8,090 Cr, quarter to Sep 2024
Net profit by quarter, a loss in red
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 8,090 | 8,489 | 8,913 | 9,296 | 9,487 | 9,949 | 10,444 | 11,114 |
| Net profit | 1,125 | 1,093 | 1,362 | 1,260 | 1,214 | 1,386 | 1,626 | 1,789 |
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.
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹39,073 Crup 17.95%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹5,485 Crup 15.72%
Income from operations by year
Peak income from operations ₹39,073 Cr, year to Mar 2026; lowest ₹3,345 Cr, year to Mar 2018
Net profit by year, a loss in red
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income from operations | 12,267 | 3,345 | 10,926 | 13,135 | 13,900 | 14,644 | 18,146 | 25,804 | 33,125 | 39,073 |
| Net profit | 1,175 | 599 | 1,415 | 1,165 | 1,764 | 2,239 | 2,810 | 3,851 | 4,740 | 5,485 |
Consolidated. Years to March. 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
- FinancingFinancing, 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.₹31,073 Crup 20.22%78.6%
- InsuranceInsurance, 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.₹8,352 Crup 8.79%21.1%
- 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.₹90 Cr0.2%
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.Cholamandalam Financial Holdings PE ratio and valuation
Price to earnings
At or below today's level on 2% of 2,175 trading days since Feb 2017.
LowestHighest
Its median15.56Industry median20.69
Price to book
At or below today's level on 4% of 1,881 trading days since Nov 2018.
LowestHighest
Its median2.34Industry median0.65
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 73% of 2,448 trading days over the last 10 years.
LowestHighest
Its median0.08%Industry median0.70%
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 | −22.0% | +12.3% | −30.6% | 0.1% |
| 3 years | +35.9% | +23.7% | +9.8% | 0.1% |
| 5 years | +18.0% | +24.2% | −5.1% | 0.1% |
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 fund holdings
120 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 46 of the 57 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.All 120 funds holding Cholamandalam Financial 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.
- 1
- AddedAdded. Funds that held more shares than at the end of the month before.
- 22
- CutCut. Funds that held fewer shares than at the end of the month before.
- 35
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 62
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 6
| Fund | |||
|---|---|---|---|
 Nippon India Growth Mid Cap FundNippon India Mutual Fund | 53,81,656 | 1.49% | ₹746.0 Cr |
 Bandhan Small Cap FundBandhan Mutual Fund | 49,21,182 | 1.90% | ₹682.2 Cr |
 SBI Small Cap FundSBI Mutual Fund | 39,28,227 | 1.33% | ₹544.5 Cr |
 Axis Small Cap FundAxis Mutual Fund | 27,68,484 | 1.25% | ₹383.8 Cr |
 HDFC Mid Cap FundHDFC Mutual Fund | 22,64,620 | 0.31% | ₹313.9 Cr |
| SBI Banking & Financial Services FundSBI Mutual Fund | 14,83,637 | 1.97% | ₹205.7 Cr |
| Bandhan Large & Mid Cap FundBandhan Mutual Fund | 14,73,728 | 0.99% | ₹204.3 Cr |
| SBI Large & Midcap FundSBI Mutual Fund | 14,32,535 | 0.49% | ₹198.6 Cr |
| Nippon India ELSS Tax Saver FundNippon India Mutual Fund | 14,00,000 | 1.38% | ₹194.1 Cr |
 HSBC Small Cap FundHSBC Mutual Fund | 13,85,652 | 1.04% | ₹192.1 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 28 Oct 2025.Cholamandalam Financial Holdings insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Promoters and promoter group: no market trade · 2 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Cholamandalam Financial Holdings competitors and peers
Investment Company, 73 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Cholamandalam Financial Holdings in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
 Jio Financial ServicesJIOFIN | 1,35,463 | 79.13 | 1.05 | +122.7% | +5.0% | 1.3% | 2.1% | – | – | 0.29% |
 Aditya Birla CapitalABCAPITAL | 97,466 | 23.75 | 2.83 | +16.3% | +20.4% | 12.7% | – | 1.26% | 3.60% | 0.00% |
 L&T FinanceLTF | 61,782 | 18.05 | 2.11 | +20.1% | +26.8% | 12.3% | – | 2.27% | 8.46% | 1.12% |
 Tata Investment CorporationTATAINVEST | 28,412 | 65.94 | 0.97 | +31.0% | +31.6% | 1.4% | 1.2% | – | – | 0.61% |
 TVS HoldingsTVSHLTD | 23,973 | 11.09 | 3.58 | +34.8% | +49.4% | 35.4% | 15.5% | – | – | 0.73% |
 Maharashtra ScootersMAHSCOOTER | 13,373 | 43.88 | 0.41 | +0.8% | −14.7% | 0.9% | 1.0% | – | – | 1.88% |
 JSW HoldingsJSWHL | 12,445 | 90.59 | 0.38 | −26.7% | – | 0.4% | – | 0.40% | 0.33% | 0.00% |
 TSF INVESTMENTSTSFINV | 9,044 | 18.58 | 1.50 | +282.6% | +6.1% | 8.4% | 3.3% | – | – | 2.74% |
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.Cholamandalam Financial Holdings dividend history
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. Dividend per share in the glossaryHighest ₹1.30 a share, years to Mar 2025 and Mar 2026.
| Ex-date | Type | Per share |
|---|---|---|
| 7 Aug 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. Final dividend in the glossary | ₹1.30 |
| 1 Aug 2025 | Final | ₹1.30 |
| 2 Aug 2024 | Final | ₹0.55 |
| 3 Aug 2023 | Final | ₹0.55 |
| 2 Aug 2022 | Final | ₹0.55 |
| 27 Jul 2021 | Final | ₹0.55 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Cholamandalam Financial Holdings announcements
Oct 2026
15 Oct · Analysts
Aug 2026
15 Aug · Meeting
Cholamandalam Financial Holdings annual report, year to Mar 2026
Cholamandalam Financial Holdings share price by year
Each calendar year to 2025.Cholamandalam Financial Holdings share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 1,812.90 | +29.6% | 2,166.00 | 1,399.40 |
| 2024 | 1,398.85 | +34.5% | 2,100.15 | 1,000.45 |
| 2023 | 1,040.05 | +88.9% | 1,203.50 | 515.70 |
| 2022 | 550.55 | −15.6% | 701.50 | 550.55 |
| 2021 | 652.15 | +21.6% | 753.20 | 499.85 |
| 2020 | 536.20 | +7.3% | 559.25 | 228.35 |
| 2019 | 499.65 | −5.0% | 520.25 | 420.10 |
| 2018 | 526.20 | −23.4% | 732.50 | 469.65 |
| 2017BSE close | 687.30 | +17.9% | 827.80 | 546.00 |
| 2016BSE close | 582.85 | +36.1% | 670.80 | 356.90 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 1,260.30 | 1,283.80 | 1,239.90 | 1,261.00 | 1,258.83 | 1,52,026 | 54.3% |
| 26 Oct 2026 | 1,256.20 | 1,265.10 | 1,236.70 | 1,254.10 | 1,253.38 | 2,33,493 | 53.8% |
| 23 Oct 2026 | 1,314.40 | 1,322.90 | 1,270.00 | 1,279.50 | 1,286.96 | 1,56,460 | 51.7% |
| 22 Oct 2026 | 1,311.30 | 1,331.20 | 1,295.00 | 1,316.20 | 1,317.55 | 1,21,138 | 49.1% |
| 21 Oct 2026 | 1,371.00 | 1,376.10 | 1,279.80 | 1,329.60 | 1,308.07 | 5,48,925 | 63.9% |
| 19 Oct 2026 | 1,360.00 | 1,381.20 | 1,351.10 | 1,362.80 | 1,366.68 | 97,923 | 51.2% |
| 16 Oct 2026 | 1,374.00 | 1,377.80 | 1,345.50 | 1,360.00 | 1,357.61 | 1,55,727 | 61.0% |
| 15 Oct 2026 | 1,385.00 | 1,389.90 | 1,370.00 | 1,377.60 | 1,379.96 | 36,181 | 54.1% |
| 14 Oct 2026 | 1,401.30 | 1,401.70 | 1,371.00 | 1,385.00 | 1,388.20 | 2,12,689 | 49.0% |
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.
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 25 Sep 2017 | Price move | – | Between two trading sessions the price moved by a fifth or more. No corporate action is on record. Not adjusted for. |
Each event is noted and not adjusted for.
Company details
- NSE symbol
- CHOLAHLDNG
- BSE code
- 504973
- ISIN
- INE149A01033
- Industry
- Finance
- Former symbols
- TIFIN, TUBEINVEST
- Website
- www.cholafhl.com
- CIN
- L65100TN1949PLC002905
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1949
- Registered office
- 234, Dare House, NSC Bose Road, Chennai 600001, Tamil Nadu
- Share registrar
- KFin Technologies Ltd
- Keeps the register of shareholders and handles transfers and dividend payments
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