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Change
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Day Open
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Day High
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Day Low
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NSE Close — 25 Sep 2026
₹1,662.7
Change
-19.0 (-1.13%)
Open
₹1,678.1
Prev. Close
₹1,681.7
Day High
₹1,681.9
Day Low
₹1,637.6
Volume Analysis
Traded
2,878,656
Delivered
1,803,938
Delivery %
62.67%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (2)
- •High debt-to-equity ratio (6.93)
- •Promoter holding is falling
Opportunities (2)
- •Strong 3-year EPS growth (23.7%)
- •FII holding has been rising
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹1,728.16 | ₹1,705.03 | ₹1,683.86 | ₹1,660.73 | ₹1,639.56 | ₹1,616.43 | ₹1,595.26 |
| Fibonacci | ₹1,705.03 | ₹1,688.11 | ₹1,677.65 | ₹1,660.73 | ₹1,643.81 | ₹1,633.35 | ₹1,616.43 |
| Camarilla | ₹1,674.88 | ₹1,670.82 | ₹1,666.76 | ₹1,660.73 | ₹1,658.64 | ₹1,654.58 | ₹1,650.52 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-3.56%
1 Week
-5.74%
1 Month
-10.75%
3 Months
-7.1%
6 Months
+21.05%
1 Year
+5.91%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹702.34
Current price is above the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹151,192 Cr
P/E (TTM)
26.3
ROE
19.4%
Book Value
₹357.0
Face Value
₹2.0
Source: Screener.in (Consolidated figures) — data as of 23 Sep 2026. Not investment advice.
TopFund Analysis
Cholamandalam In & Fin Co holds up reasonably well on TopFund's composite fundamentals check within the Financial Services sector, at 67/100. The strongest factor is Growth (100/100), while Risk & Volatility (37/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (6.93); promoter holding is falling. Strong 3-year EPS growth (23.7%).
TopFund Score — Fundamentals Quality
67/100 — GoodData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has delivered good profit growth of 28.0% CAGR over last 5 years
- +Company's median sales growth is 21.4% of last 10 years
- −Stock is trading at 4.95 times its book value
- −Company has low interest coverage ratio.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Company clarifies increased trading volume is market-driven; no undisclosed announcement exists.
Intimation on allotment 244596 equity shares on exercise of ESOPs
Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on September 11, 2026, with reference to Movement in Volume.
Company allotted 2,000 unsecured perpetual non-convertible securities for ₹2,000 crore at 8.97% coupon.
NSE and BSE approved AGPL reclassification from Promoter to Public on 26 August 2026.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 |
| Expenses + | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | 2,652 |
| Financing Profit | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | 2,197 |
| Financing Margin % | 22.0% | 22.0% | 23.0% | 26.0% | 22.0% | 21.0% | 21.0% | 24.0% | 21.0% | 20.0% | 22.0% | 25.0% | 25.0% |
| Other Income + | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | 102 |
| Interest | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 |
| Depreciation | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 |
| Profit before tax | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | 2,224 |
| Tax % | 25.0% | 27.0% | 25.0% | 26.0% | 26.0% | 26.0% | 26.0% | 26.0% | 26.0% | 26.0% | 26.0% | 23.0% | 26.0% |
| Net Profit + | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 |
| EPS in Rs | 9 | 9 | 10 | 13 | 11 | 12 | 13 | 15 | 14 | 14 | 15 | 19 | 19 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,715 | 4,214 | 4,694 | 5,559 | 7,108 | 8,712 | 9,583 | 10,148 | 12,884 | 19,163 | 25,890 | 31,120 | 32,663 |
| Expenses + | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,858 | 2,926 | 3,621 | 5,385 | 7,670 | 9,890 | 10,264 |
| Financing Profit | 696 | 899 | 1,143 | 1,451 | 1,888 | 1,699 | 2,150 | 2,924 | 3,515 | 4,548 | 5,726 | 6,845 | 7,476 |
| Financing Margin % | 19.0% | 21.0% | 24.0% | 26.0% | 27.0% | 20.0% | 22.0% | 29.0% | 27.0% | 24.0% | 22.0% | 22.0% | 23.0% |
| Other Income + | 0 | 2 | 3 | 0 | 1 | 0 | 0 | 84 | 220 | 255 | 261 | 412 | 484 |
| Interest | 1,958 | 2,048 | 2,228 | 2,657 | 3,588 | 4,592 | 4,576 | 4,298 | 5,748 | 9,231 | 12,495 | 14,384 | 14,923 |
| Depreciation | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 245 | 284 | 292 |
| Profit before tax | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,741 | 6,973 | 7,668 |
| Tax % | 33.0% | 35.0% | 35.0% | 34.0% | 35.0% | 34.0% | 26.0% | 26.0% | 26.0% | 26.0% | 26.0% | 25.0% | — |
| Net Profit + | 444 | 575 | 718 | 918 | 1,197 | 1,054 | 1,521 | 2,154 | 2,665 | 3,420 | 4,263 | 5,233 | 5,751 |
| EPS in Rs | 6 | 7 | 9 | 12 | 15 | 13 | 19 | 26 | 32 | 41 | 51 | 61 | 68 |
| Dividend Payout % | 11.0% | 12.0% | 12.0% | 11.0% | 8.0% | 13.0% | 11.0% | 8.0% | 6.0% | 5.0% | 4.0% | 3.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Reserves | 2,531 | 3,514 | 4,142 | 4,969 | 6,052 | 8,036 | 9,436 | 11,605 | 14,182 | 19,425 | 23,500 | 30,288 |
| Other Liabilities + | 1,243 | 1,673 | 2,230 | 711 | 715 | 853 | 1,314 | 1,536 | 1,923 | 2,618 | 3,182 | 3,920 |
| Total Liabilities | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 245,448 |
| Fixed Assets + | 69 | 120 | 150 | 170 | 167 | 283 | 228 | 259 | 403 | 1,563 | 1,780 | 1,869 |
| CWIP | 0 | 0 | 0 | 4 | 14 | 11 | 10 | 37 | 60 | 13 | 11 | 42 |
| Investments | 25 | 16 | 182 | 23 | 42 | 33 | 1,583 | 2,055 | 3,562 | 4,036 | 6,367 | 6,646 |
| Other Assets + | 23,775 | 27,753 | 30,266 | 43,970 | 57,267 | 63,732 | 72,823 | 80,127 | 109,602 | 151,075 | 193,729 | 236,892 |
| Total Assets | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 245,448 |
| Borrowing | 19,950 | 22,546 | 24,071 | 38,330 | 50,567 | 55,005 | 63,730 | 69,174 | 97,358 | 134,475 | 175,036 | 211,070 |
| Equity Capital | 144 | 156 | 156 | 156 | 156 | 164 | 164 | 164 | 164 | 168 | 168 | 170 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -2,264 | -2,809 | -1,468 | -7,926 | -9,317 | -2,075 | -8,842 | -5,571 | -27,105 | -35,683 | -32,413 | -30,021 |
| Cash from Investing Activity + | -40 | -137 | -222 | -60 | -11 | -54 | -1,572 | 1,640 | -2,148 | -2,855 | -2,948 | -2,554 |
| Cash from Financing Activity + | 1,819 | 3,031 | 1,692 | 8,009 | 12,191 | 2,452 | 8,516 | 5,150 | 27,466 | 38,471 | 39,795 | 35,610 |
| Net Cash Flow | -485 | 85 | 2 | 22 | 2,862 | 323 | -1,898 | 1,218 | -1,787 | -66 | 4,434 | 3,035 |
| CFO/OP | -75 | -82 | -29 | -179 | -157 | -24 | -121 | -65 | -283 | -249 | -169 | -133 |
| Free Cash Flow | -2,294 | -2,885 | -1,525 | -7,994 | -9,391 | -2,145 | -8,873 | -5,665 | -27,293 | -36,754 | -32,600 | -30,263 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 7.03% | 6.51% | 6.61% | 6.19% | 6.02% | 6.56% | 6.36% | 6.07% | 6.0% | 6.16% | 5.95% | 5.7% |
| Promoters | 51.43% | 50.37% | 50.35% | 50.33% | 50.24% | 49.93% | 49.92% | 49.9% | 49.88% | 49.72% | 49.25% | 49.23% |
| FII | 21.51% | 24.73% | 26.0% | 26.63% | 27.17% | 27.43% | 28.23% | 27.96% | 26.85% | 26.56% | 24.87% | 24.46% |
| DII | 20.04% | 18.39% | 17.05% | 16.86% | 16.58% | 16.1% | 15.49% | 16.05% | 17.27% | 17.54% | 19.91% | 20.62% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Cholamandalam In & Fin Co (this stock) | 151,192 | 26.3 | 4.96 | 19.4% |
| Jio Fin Services Ltd | 148,713 | 72.0 | 1.08 | 1.19% |
| ICICI Prudential Amc Ltd | 156,890 | 53.3 | — | — |
| Tata Capital Limited | 143,965 | 26.5 | 3.14 | 12.4% |
| Union Bank Of India | 137,558 | 6.66 | 0.98 | 15.7% |
| Punjab National Bank | 134,008 | 6.07 | 0.86 | 13.0% |
| BSE Limited | 131,710 | 46.5 | 19.69 | 46.0% |
Which Mutual Funds Hold Cholamandalam In & Fin Co?
Frequently Asked Questions about Cholamandalam In & Fin Co
Cholamandalam In & Fin Co (CHOLAFIN) closed at ₹1,662.7 on NSE on 25 September 2026, down 19.0 (1.13%) from the previous close.
Cholamandalam In & Fin Co trades on the NSE (National Stock Exchange of India) under the symbol CHOLAFIN.
Cholamandalam In & Fin Co has a trailing twelve-month P/E (price-to-earnings) ratio of 26.3.
Cholamandalam In & Fin Co has a dividend yield of 0.11%.
Cholamandalam In & Fin Co's 52-week high is ₹1,952.0 and its 52-week low is ₹1,299.0.
Cholamandalam In & Fin Co has a market capitalisation of ₹151,192 crore.
Cholamandalam In & Fin Co has a TopFund Quality Score of 67/100 (Good), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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