* Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has released its Investor Presentation for the quarter ended 30 September, 2025 (Q2 FY26). * The company reported strong financial performance for Q2 FY26 and H1 FY26: * Q2 FY26 Highlights (vs Q2 FY25): * Disbursement stood at ₹24,442 crore, a 1% increase from ₹24,314 crore. * Business Assets Under Management (AUM) grew by 17% to ₹1,99,159 crore. * Net Interest Margin (NIM) improved to 7.9% from 7.5%. * Profit Before Tax (PBT) grew by 20% to ₹1,561 crore. * Return on Equity was 18.1% compared to 18.2%. * Stage 3 (90DPD) increased to 3.35% from 2.83%. * Gross NPA (RBI) was 4.57% (vs 3.78%) and Net NPA (RBI) was 3.07% (vs 2.48%). * Capital Adequacy Ratio (CAR) was 20.00%, with Tier I at 14.59%. * H1 FY26 Highlights (vs H1 FY25): * Disbursement was ₹48,767 crore, a marginal increase from ₹48,646 crore. * NIM improved to 7.8% from 7.6%. * PBT grew by 20% to ₹3,090 crore. * Return on Equity was 18.5% compared to 18.6%. * The company operates with 68,639 employees, 1749 branches, and serves over 42.4 lakh customers. * Segment-wise Performance (Q2 FY26 vs Q2 FY25): * Vehicle Finance: Disbursements grew by 10% to ₹13,539 crore, AUM by 17% to ₹1,07,568 crore, and PBT by 9% to ₹691 crore. Loan losses increased to 2.1% from 1.8%. * MSME Ecosystem (LAP, SME, SBPL): Disbursements were flat at ₹6,597 crore, AUM grew by 33% to ₹56,778 crore, and PBT grew by 47% to ₹524 crore. Loan losses increased to 0.5% from 0.2%. * Loan Against Property (LAP): Disbursements grew by 8% to ₹4,630 crore, AUM grew by 33% YoY, and PBT grew by 46% to ₹431 crore. Loan losses increased to 0.3% from 0.1%. * The outlook for various auto segments (HCV, LCV, SCV, Passenger Vehicle, Two-wheeler, Used Vehicle, Construction Equipment, Tractor) anticipates moderate growth supported by infrastructure spending, festive season, rural demand, monsoon, and GST reduction. Chola's strategy emphasizes calibrated growth, portfolio quality, and collections. * The shareholding pattern as of 30 September, 2025, shows promoters holding 49.88%, FII 27.44%, Mutual Funds 13.92%, Corporate Bodies 3.88%, and Public 4.88%.
