Cholamandalam Investment and Finance Posts 29.5% Rise in Profit After Tax to Rs 1,640 Crore in Q4
Cholamandalam Investment and Finance Sees Significant Growth in Q4 FY26
Cholamandalam Investment and Finance Company reported its financial results for the fourth quarter (Q4) of fiscal year 2026 (FY26) on April 30. The company witnessed significant growth in its net profit and net interest income (NII), with key highlights including:
| Metric | Q4 FY26 | Q4 FY25 | % Change |
|---|---|---|---|
| Net Profit | Rs 1,640.7 crore | Rs 1,273.5 crore | 29.5% |
| Net Interest Income (NII) | Rs 3,855 crore | Rs 3,063 crore | 26% |
| Net Income | Rs 4,789 crore | Rs 3,778 crore | 27% |
The company's net profit rose 29.5 percent year-on-year to Rs 1,640.7 crore, while net interest income (NII) increased 26 percent to Rs 3,855 crore. Asset quality improved sequentially, with gross non-performing assets (GNPA) easing to 4.36 percent from 4.63 percent in the previous quarter, and net NPA declining to 2.87 percent from 3.13 percent.
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Net income for the quarter stood at Rs 4,789 crore, up 27 percent year-on-year, while full-year income rose 26 percent to Rs 17,071 crore. The company's total assets under management (AUM) grew 21 percent year-on-year to Rs 2.43 lakh crore as of March 31, 2026, supported by healthy disbursement trends.
Aggregate disbursements for the quarter came in at Rs 32,913 crore, taking the full-year figure to Rs 1.11 lakh crore. Growth remained broad-based across segments, with vehicle finance AUM rising 18 percent, loan against property growing 26 percent, and home loans expanding 23 percent year-on-year. The SME book saw a sharper 41 percent increase, while secured business and personal loans grew 46 percent, indicating traction in newer segments.
The gold loans business also continued to scale, with disbursements of Rs 1,130 crore during the quarter. The board has recommended a final dividend of Rs 0.70 per share for FY26, subject to shareholder approval.
Post earnings, shares of the company rose to an intraday high of Rs 1,592.20 before paring gains to trade marginally higher at Rs 1,559.60 on the NSE.
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Investor Takeaway
Cholamandalam Investment and Finance Company has reported a 29.5% rise in profit after tax to Rs 1,640 crore in Q4.
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