CHOLAHLDNG
504973Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Cholamandalam FInancial Holdings Limited has informed the exchange regarding transcript of investor meet
Cholamandalam Financial Holdings Ltd (CFHL) is a part of the Murugappa Group, one of India's oldest and most diversified business conglomerates. Following the demerger of Cholamandalam Investment and Finance Company Ltd and Cholamandalam MS General Insurance Company Ltd, CFHL transformed into a core investment holding company with concentrated interests in financial services and insurance. The company holds equity stakes and oversees strategic interests across its key subsidiaries, including Cholamandalam Investment & Finance Company Ltd and Cholamandalam MS General Insurance.
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Cholamandalam FInancial Holdings Limited has informed the exchange regarding transcript of investor meet
Shareholder Meeting / Postal Ballot-Outcome of AGM
Resubmission of proceedings of Annual General Meeting of the Company along with clarification to your e-mail dated August 18, 2026
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
Cholamandalam Financial Holdings Limited has informed the exchange regarding Voting results and Scrutinizer''s report
Shareholder Meeting / Postal Ballot-Outcome of AGM
Cholamandalam Financial Holdings Limited has informed the exchange regarding proceedings of Annual General Meeting held on August 14, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Cholamandalam Financial Holdings Limited has informed the exchange regarding audio recording of the investor meet.
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Cholamandalam Financial Holdings Limited has informed exchange regarding press release.
Announcement under Regulation 30 (LODR)-Investor Presentation
Cholamandalam Financial Holdings Limited has informed the exchange regarding investor presentation
Results - Financial Results - 30-06-2026
Cholamandalam Financial Holdings Limited has informed the exchange regarding un-audited financial results for the quarter ended June 30, 2026.
Board Meeting Outcome for Cholamandalam Financial Holdings Limited Has Informed The Exchange Regarding Outcome Of Board Meeting Held On August 14, 2026
Cholamandalam Financial Holdings Limited has informed the exchange regarding Outcome of Board Meeting held on August 14, 2026
Board Meeting Outcome for Cholamandalam Financial Holdings Limited Has Informed The Exchange Regarding Outcome Of Board Meeting Held On August 14, 2026
Cholamandalam Financial Holdings Limited has informed the exchange regarding Outcome of Board Meeting held on August 14, 2026
Cholamandalam Financial Holdings Ltd
About
Cholamandalam Financial Holdings Ltd (CFHL) is a part of the Murugappa Group, one of India's oldest and most diversified business conglomerates. Following the demerger of Cholamandalam Investment and Finance Company Ltd and Cholamandalam MS General Insurance Company Ltd, CFHL transformed into a core investment holding company with concentrated interests in financial services and insurance. The company holds equity stakes and oversees strategic interests across its key subsidiaries, including Cholamandalam Investment & Finance Company Ltd and Cholamandalam MS General Insurance.
Headquartered in Chennai, India, CFHL provides guidance, governance, and capital allocation support to its subsidiaries, which collectively serve a broad customer base through comprehensive financial solutions spanning vehicle finance, home loans, SME loans, and general insurance products. Building on the Murugappa Group's legacy, CFHL's operations reflect a focus on growth, prudent risk management, and operational excellence within the financial services sector.
Business Model & Strategy
CFHL operates as a non-operating financial holding company (NOFHC), generating revenue predominantly from dividends, interest, and capital appreciation arising from its investments in its subsidiaries and affiliate companies. Its principal earnings derive from its significant holdings in Cholamandalam Investment & Finance Company, a leading NBFC, and Cholamandalam MS General Insurance, a joint venture for general insurance solutions. The company enables value creation through strategic oversight, capital allocation, and governance support, fostering the expansion and innovation of its investment portfolio.
CFHL's growth strategies focus on leveraging emerging opportunities within the rapidly evolving Indian financial sector. It targets long-term value creation by nurturing businesses positioned for scalable growth, exploring entry into complementary financial services segments, and supporting digital and operational enhancements within its portfolio companies.
Management Overview
8 MembersMr.M M Murugappan
Non-Executive - Non Independent Director-Chairperson related to PromoterNGanesh
Manager & Chief Financial OfficerMr.K Balasubramanian
Non-Executive - Independent DirectorMr.Balasubramanyan Ramaratnam
Non-Executive - Independent DirectorMrs.Vasudha Sundararaman
Non-Executive - Independent DirectorMr.Sridharan Rangarajan
Non-Executive - Non Independent DirectorMr.Vellayan Subbiah
Non-Executive - Non Independent DirectorMs.EKrithika
Company Secretary & Compliance OfficerAwards & Recognition
3 Awards- Cholamandalam MS General Insurance received the 'Best Motor Insurance Provider' award at the 2024 ET Insurance Excellence Awards
- Cholamandalam Investment & Finance Company has been featured among India's Top 10 Most Trusted BFSI Companies in Brand Trust Report 2024
- Recognized for strong ESG disclosure practices in the S&P Corporate Sustainability Assessment 2024
Market Information
Company Timeline
75+ Years of Excellence | 7 Major Milestones
Murugappa Group establishes a financial services presence.
Cholamandalam Investment and Finance Company Ltd (CIFCL) is incorporated.
Corporate restructuring brings focus on investment holding, laying foundation for CFHL.
Demerger and creation of Cholamandalam Financial Holdings Ltd as a separate listed investment holding company.
CFHL listed on NSE and BSE.
Portfolio companies expand digital lending and insurance products; group wins multiple industry awards.
Cholamandalam Investment & Finance crosses ₹1 trillion AUM and launches new SME digital lending platform.
The Next Evolution
Contact Information
Registered Office
234, Dare House, NSC Bose Road
Tel: 044-42177770 / 71 / 72 / 73 / 74 / 75,
Fax: 044-42110404,
Email: krithikae@cfhl.murugappa.com
Website: cholafhl.com
Corporate Actions
18| Purpose | Ex Date | Record Date | BC Start | BC End |
|---|---|---|---|---|
Final Dividend ₹1.30 per share | 07 Aug 2026 Friday | 07 Aug 2026 Friday | - | - |
Final Dividend ₹1.30 per share | 01 Aug 2025 Friday | 01 Aug 2025 Friday | - | - |
Final Dividend ₹0.55 per share | 02 Aug 2024 Friday | - | 03 Aug 2024 Saturday | 09 Aug 2024 Friday |
Final Dividend ₹0.55 per share | 03 Aug 2023 Thursday | - | 04 Aug 2023 Friday | 10 Aug 2023 Thursday |
Dividend ₹0.55 per share | 02 Aug 2022 Tuesday | - | 04 Aug 2022 Thursday | 10 Aug 2022 Wednesday |
Final Dividend ₹0.55 per share | 27 Jul 2021 Tuesday | - | 29 Jul 2021 Thursday | 04 Aug 2021 Wednesday |
Interim Dividend ₹0.65 per share | 05 Mar 2020 Thursday | 06 Mar 2020 Friday | - | - |
Final Dividend ₹0.65 per share | 24 Jul 2019 Wednesday | - | 26 Jul 2019 Friday | 01 Aug 2019 Thursday |
Interim Dividend ₹0.60 per share | 14 Feb 2019 Thursday | 15 Feb 2019 Friday | - | - |
Final Dividend ₹0.65 per share | 23 Jul 2018 Monday | - | 25 Jul 2018 Wednesday | 31 Jul 2018 Tuesday |
Interim Dividend ₹0.60 per share | 15 Feb 2018 Thursday | 19 Feb 2018 Monday | - | - |
Spin Off | 24 Aug 2017 Thursday | 28 Aug 2017 Monday | - | - |
Reduction of Capital | 24 Aug 2017 Thursday | 28 Aug 2017 Monday | - | - |
Interim Dividend ₹1.25 per share | 17 Feb 2017 Friday | 20 Feb 2017 Monday | - | - |
Special Dividend ₹3.50 per share | 20 Jul 2016 Wednesday | - | 22 Jul 2016 Friday | 04 Aug 2016 Thursday |
Interim Dividend ₹1.50 per share | 15 Feb 2016 Monday | 16 Feb 2016 Tuesday | - | - |
Final Dividend ₹0.50 per share | 22 Jul 2015 Wednesday | - | 24 Jul 2015 Friday | 10 Aug 2015 Monday |
Interim Dividend ₹1.50 per share | 13 Feb 2015 Friday | 16 Feb 2015 Monday | - | - |
₹27,603 Cr.
₹1,470
₹2,064 / 1,305
10.34
₹1804.26
0.81
₹142.11
₹1.00
0.09 %
Manage Ratio
FINANCIALS
| Annual Results | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | - | - | - | 10,947 | 13,136 | 13,905 | 14,735 | 18,376 | 26,087 | 33,460 | 39,576 | 41,510 |
| Expenses | - | - | - | 8,812 | 11,330 | 11,505 | 11,691 | 14,552 | 20,887 | 27,060 | 32,250 | 33,481 |
| Profit | - | - | - | 1,415 | 1,165 | 1,764 | 2,239 | 2,810 | 3,851 | 4,740 | 5,485 | 6,015 |
| Tax | - | - | - | 721 | 642 | 636 | 801 | 1,006 | 1,361 | 1,666 | 1,848 | 2,023 |
| EPS | - | - | - | 37 | 29 | 44 | 55 | 69 | 94 | 116 | 130 | 42.92 |
| Ratios | - |
Cash Flow
Consolidated Figures in Rs. Crores
| Annual Balance Sheet | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | - |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | - | - | - | 67,937 | 75,843 | 88,616 | 97,772 | 1,31,033 | 1,76,918 | 2,24,616 | 2,68,333 | - |
| Equity And Liabilities | - | - | - | 67,937 | 75,843 | 88,616 | 97,772 | 1,31,033 | 1,76,918 | 2,24,616 | 2,68,333 | - |
Shareholding Pattern
Numbers in Percentages
| Quarterly SHP Announcement Date | Mar 2016 12 Apr '16 | Mar 2017 31 Mar '17 | Mar 2018 31 Mar '18 | Mar 2019 27 Jul '19 | Mar 2020 15 May '20 | Mar 2021 12 Apr '21 | Mar 2022 20 Apr '22 | Mar 2023 13 Apr '23 | Mar 2024 14 Jun '24 | Mar 2025 18 Apr '25 | Mar 2026 10 Apr '26 | - |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Goverments | - | - | - | - | - | - | - | 0.46% | 0.46% | 0.46% | - | - |
| Promoter And Promoter Group | - | - | - | 49.52% | 48.80% | 48.80% | 48.62% | 48.40% | 47.37% | 46.45% | 46.38% | - |
| Non Institutions | - | - | - | 20.26% | 15.22% | 13.42% | 14.09% | 12.58% | 13.13% | 13.61% | 13.26% | - |
| FII | - | - | - | - | - | - | - | 11.99% | 13.78% | 17.67% | 13.80% | - |
| DII | - | - | - | - | - | - | - | 26.57% | 25.26% | 21.80% | 26.10% | - |
| Total | - | - | - | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | - |
Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings Ltd (CFHL) is a part of the Murugappa Group, one of India's oldest and most diversified business conglomerates. Following the demerger of Cholamandalam Investment and Finance Company Ltd and Cholamandalam MS General Insurance Company Ltd, CFHL transformed into a core investment holding company with concentrated interests in financial services and insurance. The company holds equity stakes and oversees strategic interests across its key subsidiaries, including Cholamandalam Investment & Finance Company Ltd and Cholamandalam MS General Insurance.
Headquartered in Chennai, India, CFHL provides guidance, governance, and capital allocation support to its subsidiaries, which collectively serve a broad customer base through comprehensive financial solutions spanning vehicle finance, home loans, SME loans, and general insurance products. Building on the Murugappa Group's legacy, CFHL's operations reflect a focus on growth, prudent risk management, and operational excellence within the financial services sector.
CFHL operates as a non-operating financial holding company (NOFHC), generating revenue predominantly from dividends, interest, and capital appreciation arising from its investments in its subsidiaries and affiliate companies. Its principal earnings derive from its significant holdings in Cholamandalam Investment & Finance Company, a leading NBFC, and Cholamandalam MS General Insurance, a joint venture for general insurance solutions. The company enables value creation through strategic oversight, capital allocation, and governance support, fostering the expansion and innovation of its investment portfolio.
CFHL's growth strategies focus on leveraging emerging opportunities within the rapidly evolving Indian financial sector. It targets long-term value creation by nurturing businesses positioned for scalable growth, exploring entry into complementary financial services segments, and supporting digital and operational enhancements within its portfolio companies.
Cholamandalam MS General Insurance received the 'Best Motor Insurance Provider' award at the 2024 ET Insurance Excellence Awards
Cholamandalam Investment & Finance Company has been featured among India's Top 10 Most Trusted BFSI Companies in Brand Trust Report 2024
Recognized for strong ESG disclosure practices in the S&P Corporate Sustainability Assessment 2024
Murugappa Group establishes a financial services presence.
Cholamandalam Investment and Finance Company Ltd (CIFCL) is incorporated.
Corporate restructuring brings focus on investment holding, laying foundation for CFHL.
Demerger and creation of Cholamandalam Financial Holdings Ltd as a separate listed investment holding company.
CFHL listed on NSE and BSE.
Portfolio companies expand digital lending and insurance products; group wins multiple industry awards.
Cholamandalam Investment & Finance crosses ₹1 trillion AUM and launches new SME digital lending platform.
Peer Comparison
| S.No. | Company Name | CMP (₹) | Market Cap (₹ Cr) | Div Yld (%) | NP Qtr (₹ Cr) | Qtr Profit Var (%) | Sales Qtr (₹ Cr) | Qtr Sales Var (%) | ROCE (%) | ROE (%) | Book Value (₹) | EPS TTM (₹) | TTMPE Ratio (₹) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Not Found Data | |||||||||||||
Coming Soon
Heatmap View
Premium Feature| Company | CMP (₹) | MCap (₹ Cr) | EPS TTM (₹) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Not Found Data | |||||||||||||
Financial Ratios
Premium Feature| Company Name | P/E (TTM) | EPS (₹) | D/E | NPM | GPM | ROE (%) | ROCE (%) | P/B | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Not Found Data | |||||||||||||
Coming Soon