Cholamandalam Financial Holdings Limited — year ended March 31, 2026 (quarter ended March 31, 2026; also includes year ended March 31, 2025 comparatives)
Optional commentary: Standalone and consolidated audited financial results are presented in Rs. Crores (unless otherwise stated).
| Particulars | Quarter ended 31.03.2026 Audited (Refer Note 3) | 31.12.2025 Unaudited | 31.03.2025 Audited (Refer Note) | Year ended 31.03.2026 Audited | 31.03.2025 Audited |
|---|---|---|---|---|---|
| 1. Revenue from operations | |||||
| – Interest Income | 1.40 | 1.19 | 0.55 | 4.91 | 1.32 |
| – Dividend Income | 48.48 | – | 48.48 | 74.88 | 74.88 |
| – Service Income | 2.50 | 2.50 | 2.50 | 10.00 | 10.00 |
| Total | 52.38 | 3.69 | 51.53 | 89.79 | 86.20 |
| 2. Other income | – | – | – | – | – |
| 3. Total Income (1+2) | 52.38 | 3.69 | 51.53 | 89.79 | 86.20 |
| 4. Expenses | |||||
| a) Finance Cost | – | – | – | – | – |
| b) Employee benefits expense | 0.51 | 0.52 | 0.48 | 2.04 | 1.86 |
| c) Depreciation and amortisation expense | 0.01 | 0.01 | 0.01 | 0.03 | 0.03 |
| d) Other expenditure | 1.00 | 0.24 | 1.01 | 1.82 | 1.74 |
| Total expenses | 1.52 | 0.77 | 1.50 | 3.89 | 3.63 |
| 5. Profit before tax (3-4) | 50.86 | 2.92 | 50.03 | 85.90 | 82.57 |
| 6. Tax expense | |||||
| a) Current tax | 12.39 | 0.26 | 12.46 | 15.50 | 18.20 |
| b) Deferred tax | (0.01) | – | (0.03) | (0.01) | (0.03) |
| Total Tax expense | 12.38 | 0.26 | 12.43 | 15.49 | 18.17 |
| 7. Profit for the period (5-6) | 38.48 | 2.66 | 37.60 | 70.41 | 64.40 |
| 8. Other Comprehensive Income – Gain/(loss) | |||||
| a) (i) Items that will not be reclassified to Statement of Profit or Loss | 2.46 | 0.05 | 11.46 | 2.75 | 11.41 |
| (ii) Income tax relating to items that will not be reclassified to Statement of Profit or Loss | (0.35) | (0.01) | (1.64) | (0.39) | (1.67) |
| b) (i) Items that will be reclassified to Statement of Profit or Loss | – | – | – | – | – |
| (ii) Income tax relating to items that will be reclassified to Statement of Profit or Loss | – | – | – | – | – |
| Total Other Comprehensive Income for the period | 2.11 | 0.04 | 9.82 | 2.36 | 9.74 |
| 9. Total Comprehensive Income for the period (7+8) | 40.59 | 2.70 | 47.42 | 72.77 | 74.14 |
| 10. Paid-up equity share capital (Re. 1/- per share) | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 |
| 11. Earnings per Share of Re. 1/- each (Rs.) (not annualised for interim period) | |||||
| a) Basic | 2.05 | 0.14 | 2.00 | 3.75 | 3.43 |
| b) Diluted | 2.05 | 0.14 | 2.00 | 3.75 | 3.43 |
| Particulars | As at 31.03.2026 Audited | As at 31.03.2025 Audited |
|---|---|---|
| ASSETS | ||
| Financial Assets | ||
| (a) Cash and Cash equivalents | 0.52 | 0.78 |
| (b) Bank Balance other than (a) above | 110.05 | 63.77 |
| (c) Investments | 1,293.46 | 1,290.72 |
| (d) Other Financial Assets | – | – |
| Total Financial Assets | 1,404.03 | 1,355.27 |
| Non-Financial Assets | ||
| (a) Current Tax Assets (Net) | – | – |
| (b) Deferred Tax Assets (Net) | – | – |
| (c) Intangible Assets | 0.02 | 0.05 |
| (d) Other Non-Financial Assets | 0.16 | 0.13 |
| Total Non-Financial Assets | 0.18 | 0.18 |
| Total Assets | 1,404.21 | 1,355.45 |
| LIABILITIES AND EQUITY | ||
| Liabilities | ||
| Financial Liabilities | ||
| (a) Borrowings (debt securities) | – | – |
| (b) Borrowings (other than debt securities) | – | – |
| (c) Payables | ||
| Trade payables | ||
| i) total outstanding dues of micro enterprises and small enterprises | – | – |
| ii) total outstanding dues of creditors other than micro enterprises and small enterprises | – | – |
| Other payables | ||
| i) total outstanding dues of micro enterprises and small enterprises | – | – |
| ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 0.84 | 0.83 |
| (d) Other Financial Liabilities | 0.49 | 0.45 |
| Total Financial Liabilities | 1.33 | 1.28 |
| Non-Financial Liabilities | ||
| (a) Current Tax Liabilities (Net) | 0.88 | 0.93 |
| (b) Deferred Tax Liabilities (Net) | 2.21 | 1.83 |
| (c) Provisions | 0.07 | 0.06 |
| (d) Other non-financial liabilities | 0.04 | 0.04 |
| Total Non-Financial Liabilities | 3.20 | 2.86 |
| Equity | ||
| (a) Equity Share Capital | 18.78 | 18.78 |
| (b) Other Equity | 1,380.90 | 1,332.53 |
| Total Equity | 1,399.68 | 1,351.31 |
| Total Liabilities and Equity | 1,404.21 | 1,355.45 |
| Particulars | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|---|---|---|
| Cash Flow from Operating Activities | ||
| Profit / (Loss) Before Tax | 85.90 | 82.57 |
| Adjustments for: | ||
| Depreciation and amortisation expense | 0.03 | 0.03 |
| Interest income on Deposits | (4.91) | (1.32) |
| (4.88) | (1.29) | |
| Operating Profit Before Working Capital Changes | 81.02 | 81.28 |
| Adjustments for: | ||
| (Increase)/Decrease in Operating Assets | ||
| – Financial Assets | (0.02) | 0.02 |
| – Non Financial Assets | (0.01) | 0.13 |
| – Investment in Bank Fixed Deposits (net of withdrawals) / Unpaid dividend accounts | (46.23) | (62.19) |
| (46.26) | (62.04) | |
| Increase/(Decrease) in Operating Liabilities | ||
| – Financial Liabilities | 0.02 | 0.02 |
| – Trade Payables | 0.03 | (0.02) |
| – Provisions | 0.01 | 0.02 |
| 0.06 | 0.02 | |
| Cash Flow generated from / (used) in Operations | 34.82 | 19.26 |
| Interest Received on Bank Deposits | 4.86 | 0.23 |
| Income taxes paid (Net of refunds) | (15.55) | (16.74) |
| (10.69) | (16.51) | |
| Net Cash generated from / (used) in Operating Activities (A) | 24.13 | 2.75 |
| Cash Flow from Investing Activities | ||
| Purchase of intangible asset | – | (0.02) |
| Net Cash generated from / (used) in Investing Activities (B) | – | (0.02) |
| Cash Flow from Financing Activities | ||
| Dividends Paid (Including Unpaid dividends pertaining to earlier periods) | (24.39) | (10.44) |
| Net Cash (used) in / generated from Financing Activities (C) | (24.39) | (10.44) |
| Net Increase/(Decrease) in Cash and Cash Equivalents (A+B+C) | (0.26) | (7.71) |
| Cash and Cash Equivalents at the Beginning of the year | 0.78 | 8.49 |
| Cash and Cash Equivalents at the End of the year | 0.52 | 0.78 |
| Particulars | As at 31.03.2026 Audited | As at 31.03.2025 Audited |
|---|---|---|
| ASSETS | ||
| Financial Assets | ||
| (a) Cash and Cash equivalents | 8,475.01 | 5,385.91 |
| (b) Bank Balance other than (a) above | 6,500.77 | 4,293.94 |
| (c) Derivative financial instruments | 1,701.06 | 203.32 |
| (d) Receivables | ||
| i) Trade Receivables | 327.05 | 204.19 |
| ii) Other Receivables | 155.60 | 66.15 |
| iii) Insurance Contract Assets | 1,049.38 | 606.18 |
| iv) Reinsurance Assets | 950.45 | 1,688.43 |
| (e) Loans | 217,743.72 | 182,037.64 |
| (f) Investments in Associates & Joint Venture | 490.53 | 483.27 |
| (g) Other Investments | 24,477.77 | 23,787.94 |
| (h) Other Financial Assets | 1,319.59 | 780.26 |
| Total Financial Assets | 263,190.93 | 219,537.23 |
| Non-Financial Assets | ||
| (a) Current Tax Assets | 49.86 | 395.86 |
| (b) Deferred Tax Assets | 1,213.09 | 928.55 |
| (c) Goodwill | 42.72 | 42.72 |
| (d) Investment Property | 28.96 | 28.96 |
| (e) Property, Plant and Equipment | 2,046.00 | 1,900.84 |
| (f) Capital Work in Progress | 27.51 | 3.69 |
| (g) Intangible Assets | 90.98 | 56.25 |
| (h) Intangible Assets under development | 69.57 | 50.71 |
| (i) Reinsurance Assets | 1,317.96 | 1,282.49 |
| (j) Other Non-Financial Assets | 255.14 | 388.65 |
| Total Non-Financial Assets | 5,141.79 | 5,078.72 |
| Total Assets | 268,332.72 | 224,615.95 |
| LIABILITIES AND EQUITY | ||
| Liabilities | ||
| Financial Liabilities | ||
| (a) Derivative financial instruments | 86.45 | 284.60 |
| (b) Payables | ||
| Trade payables | ||
| i) total outstanding dues of micro enterprises and small enterprises | 13.44 | 14.82 |
| ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 325.96 | 651.61 |
| Other payables | ||
| i) total outstanding dues of micro enterprises and small enterprises | 2,278.63 | 1,622.82 |
| ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 1,020.92 | 746.09 |
| Other Insurers | ||
| i) Total outstanding dues of micro and small enterprises | 40,824.10 | 30,222.70 |
| ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 156,542.80 | 133,791.98 |
| (c) Debt Securities | 13,033.13 | 10,351.76 |
| (d) Borrowings (Other than Debt Securities) | 11,748.62 | 11,893.72 |
| (e) Subordinated Liabilities | 1,055.46 | 865.06 |
| Total Financial Liabilities | 226,929.51 | 190,445.16 |
| Non-Financial Liabilities | ||
| (a) Current tax Liabilities | 0.88 | 0.93 |
| (b) Deferred tax Liabilities | 2.21 | 1.83 |
| (c) Provisions | 300.56 | 248.34 |
| (d) Insurance Contract Liabilities | 7,050.70 | 6,786.87 |
| (e) Other non-financial liabilities | 168.90 | 183.73 |
| Total Non-Financial Liabilities | 7,523.25 | 7,221.70 |
| Equity | ||
| (a) Equity Share Capital | 18.78 | 18.78 |
| (b) Other Equity | 15,435.37 | 12,496.50 |
| Total Equity | 15,454.15 | 12,515.28 |
| Non controlling interest | 18,425.81 | 14,433.81 |
| Total Equity (including NCI) | 33,879.96 | 26,949.09 |
| Total Liabilities and Equity | 268,332.72 | 224,615.95 |
| Particulars | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|---|---|---|
| Cash Flow |