Cholamandalam Investment and Finance Company Limited (CIFCL) has issued a clarification in response to a blog post containing several allegations against the company, its associates, subsidiaries, and some Murugappa Group entities. CIFCL categorically denies these allegations, labeling them as malicious and baseless, with ulterior motives. The company reassures investors about its robust financial health, asset quality, and liquidity position, as disclosed in its audited financial statements for the half-year ended September 2025. CIFCL has not revised its past guidance and expects to perform according to its board-approved business plan. As of November 30, 2025, the company maintained a strong liquidity position with cash and bank balances of ₹14,900 crores. The Asset Liability Management (ALM) across time buckets remains positive. The Capital Adequacy Ratio (CAR) was 19.79%, with Tier I capital at 14.53%, exceeding statutory thresholds. CIFCL's credit ratings remain strong at AA+ from ICRA, India Ratings, and CARE. The company's net worth stood at ₹26,783 crores as of November 30, 2025, an increase of over ₹3,000 crores from FY25 closing levels. This includes the conversion of ₹300 crores of Compulsorily Convertible Debentures (CCDs) issued in FY24, with the remaining ₹1,700 crores of CCDs expected to convert in the next three quarters, further strengthening the net worth. Addressing specific queries, CIFCL explained its predominantly cash-based collection process from its large base of small road transport operators and self-employed non-professionals, emphasizing compliance with KYC and income tax regulations. Related party transactions, including insurance premiums paid to its subsidiary Chola MS General Insurance Company Limited (CMSGICL) for borrower policies and payments for services, are fully disclosed in financial statements and comply with legal requirements. CIFCL refuted claims of individuals benefiting from these transactions, stating all payments to Board members, KMP, and SMP comply with applicable laws and are disclosed to shareholders. The company also clarified that payments to rating agencies are standard industry practice, increasing with higher borrowing figures. CSR contributions are made as work contracts to monitor implementation, as mandated by law. CIFCL asserts that distorted facts have been presented selectively and industry practices twisted. The company confirms all operations adhere to laws and regulatory guidelines and reserves the right to take action against the agency for reputational damage.