Cholamandalam Investment and Finance Company Limited (CIFCL) has issued a clarification in response to a blog post containing several charges and allegations against the company, its associates, subsidiaries, and some Murugappa Group entities. The company categorically denies these allegations, terming them malicious and baseless, with ulterior motives. CIFCL reassures investors about its robust financial health, asset quality, and liquidity position, consistent with its audited financial statements for the half-year ended September 2025. The company maintains its previously provided guidance and expects to perform as per its business plan. As of November 30, 2025, CIFCL's liquidity position is strong, with cash and bank balances of ₹14,900 crores and a positive ALM across time buckets. The Capital Adequacy Ratio (CAR) stood at 19.79% (Tier I at 14.53%) as of November 30, 2025, exceeding statutory thresholds. The company's net worth was ₹26,783 crores as of November 30, 2025, an increase of over ₹3,000 crores from FY25 closing levels, with an expected conversion of ₹1,700 crores of Compulsorily Convertible Debentures (CCDs) in the next three quarters. Regarding specific allegations, CIFCL explained its practices concerning large cash deposits from its diverse borrower base, predominantly small road transport operators and self-employed non-professionals, which are deposited in banks and subject to internal and external scrutiny. All related party transactions, including insurance premiums paid to subsidiary Cholamandalam MS General Insurance Company Limited (CMSGICL) for borrower benefits, are disclosed in financial statements as per legal and accounting requirements. Payments for manpower, strategic services, IT, and working capital to related entities also comply with legal requirements. The company strongly refutes claims of individuals benefiting improperly from these transactions, stating all payments to Board members, KMP, and SMP are compliant and disclosed. Payments to rating agencies are standard industry practice, varying with borrowing figures. CSR contributions are made as work contracts to NGOs for monitoring 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 the law and regulatory guidelines, reaffirming its commitment to transparent communication. CIFCL reserves the right to take action against the agency for reputational damage.