Cholamandalam Investment delivers a strong Q3 with profits up 19% and steady loan growth

Cholamandalam Investment and Finance Company Limited reported strong financial performance for Q3 FY26, with profit after tax (PAT) rising to ₹1,287.66 crores, up 18.5% year-on-year. Total income for the quarter reached ₹7,985.36 crores, marking a 17.2% increase from ₹6,812.35 crores in Q3 FY25. Basic earnings per share (EPS) rose to ₹15.26, compared with ₹12.93 in the corresponding quarter last year, reflecting 18% growth.

The company maintained a healthy capital position, with a Capital Adequacy Ratio of 19.16% against the regulatory requirement of 15%. Tier-I capital stood at 14.21%, while Common Equity Tier-I was 13.79%. Tier-II capital contributed 4.95% to the overall capital base, underscoring strong financial resilience.

Segment-wise, vehicle finance revenue reached ₹4,212.11 crores, up 16.4% from ₹3,618.61 crores in Q3 FY25. Loan against property grew 24.8% to ₹1,518.57 crores, while home loans surged 29.6% to ₹842.99 crores. Other business segments contributed ₹1,184.76 crores, reflecting 12.8% growth.
Cholamandalam’s performance highlights its robust growth across diversified segments, underpinned by prudent risk management and effective capital utilisation. The strong revenue and profitability trends reinforce the company’s market position in the lending space.

Also read: Cholamandalam Investment reaffirms 20-22% FY26 growth outlook, sees shift back to new vehicles

On the stock market, shares of Cholamandalam Investment closed down on the NSE at ₹1,628.80, down ₹20.10 or 1.22%, as of 30 January 2026.