Cholamandalam Investment Reports Q1 FY26 Results

business by admin

Chennai, 1st August 2025: The Board of Directors of CIFCL today approved the unaudited financial results for the quarter ended 30th June 2025.

Performance Highlights:

Aggregate disbursements in Q1 FY 26 were at ₹ 24,325 Cr as against ₹ 24,332 Cr in Q1 FY 25.

  • Vehicle Finance (VF) disbursements were at ₹ 13,647 Cr in Q1 FY 26 as against ₹ 12,766 Cr in Q1 FY 25, registering a growth of 7%.
  • Loan Against Property (LAP) business disbursed ₹ 4,705 Cr in Q1 FY 26, as against ₹ 3,874 Cr in Q1 FY 25, with a growth rate of 21%.
  • Home Loans disbursed ₹ 1,764 Cr in Q1 FY 26, as against ₹ 1,778 Cr in Q1 FY 25 registering a marginal decline.
  • Small and Medium Enterprises Loan (SME) business disbursed ₹ 1,705 Cr in Q1 FY 26, as against ₹ 2,160 Cr in Q1 FY 25. This is due to conscious call to slow down certain low ROTA products in this segment.
  • Consumer and Small Enterprise Loans (CSEL) disbursed ₹ 2,046 Cr in Q1 FY 26, as against ₹ 3,486 Cr in Q1 FY 25. The degrowth is primarily due to exiting of Partnership business under CSEL.
  • Secured Business and Personal Loan (SBPL) disbursed ₹ 359 Cr in Q1 FY 26, as against ₹ 268 Cr in Q1 FY 25 registering a growth of 34%.
  • Gold Loan business was launched in Q1 of FY 26 and disbursed Rs.100 Cr.
  • Assets under management as of 30th June 2025, stood at ₹ 2,07,663 Cr as compared to ₹ 1,68,832 Cr as of 30th June 2024, clocking a growth of 23% Y-O-Y.
  • PBT for Q1 FY 26 was at ₹ 1,530 Cr, registering a growth of 21% over Q1 of FY 25.
  • PBT-ROA for Q1 FY 26 was at 3.1% as against 3.2% in Q1 FY 25.
  • ROE for Q1 FY 26 was at 18.8% as against 18.9% in Q1 FY 25.
  • The Company continues to hold a strong liquidity position with ₹ 16,731 Cr as cash balance as of the end of Jun’2025 (including Rs 3,567.54 cr invested in Gsec & SDL/ Rs 1,598.32 cr invested TBill & Rs 786.24 crs invested in Strips shown under investments), with a total liquidity position of ₹ 17,226 Cr (including undrawn sanctioned lines). The ALM is comfortable with no negative cumulative mismatches across all time buckets.
  • Consolidated Profit Before Tax (PBT) for Q1 FY 26 was at ₹ 1,531 Cr as against ₹ 1,275 Cr in Q1 FY 25 registering a growth of 20%.