Archive · 31 Jan 2026
Cholamandalam Investment Q3 Profit Rises 19%
Cholamandalam Investment and Finance Company made more money this quarter compared to last year.
They earned ₹1,288 crore, which is 19% more.
They lent more money for vehicles, homes, and properties.
However, the quality of their loans got a bit worse.
They also decided to give some of their profits back to their shareholders as a dividend.
The company is doing well overall, but they need to keep an eye on their loan quality.
Cholamandalam Investment reported a 19% year-on-year increase in net profit to ₹1,288 crore in Q3FY26.
Profitability was driven by growth in disbursements across categories, including vehicle finance, loans against property, and home loans.
Asset quality deteriorated with gross NPA rising to 4.63% from 4.57% and net NPA to 3.13% from 3.07%.
Aggregate disbursements in Q3FY26 were ₹29,962 crore, with AUM growing 20% year-on-year to ₹2,27,770 crore.
The Board of Directors approved an interim dividend of 65% (₹1.30 per share) for the year ending March 31, 2026.
- Who
- Cholamandalam Investment and Finance Company Ltd (CIFCL)
- What
- Reported a 19% year-on-year increase in net profit to ₹1,288 crore in Q3FY26
- When
- Quarter ended December 2025
- Where
- India
- Why
- Due to growth in disbursements across categories, including vehicle finance, loans against property, and home loans
Positive Growth
Deteriorating Asset Quality
Profitability
Positive Growth
Net profit increased by 19% year-on-year to ₹1,288 crore, driven by growth in disbursements across categories.
Deteriorating Asset Quality
Asset quality deteriorated with gross NPA rising to 4.63% from 4.57% and net NPA to 3.13% from 3.07%.
- Net Profit (Q3FY26)
- ₹1,288 crore
- Year-on-Year Increase
- 19%
- Net Profit (9 months)
- ₹3,579 crore
- Gross NPA (December 2025)
- 4.63%
- Net NPA (December 2025)
- 3.13%
- Aggregate Disbursements (Q3FY26)
- ₹29,962 crore
- AUM (December 2025)
- ₹2,27,770 crore
- Vehicle Finance AUM (December 2025)
- ₹1,12,937 crore
- Loans Against Property AUM Growth
- 31% YoY
- Home Loan Disbursement (Q3FY26)
- ₹2,007 crore
- Gold Loans Disbursement (Q3FY26)
- ₹772 crore
- Capital Adequacy Ratio (December 2025)
- 19.16%
- Interim Dividend
- 65% (₹1.30 per share)
Sources
Equitas Small Finance Bank Q3 profit jumps 36%
ESAF Small Finance Bank Q3 Net Profit at ₹7 Crore, Asset Quality Improves, Shares Rise on NSE
Cholamandalam Investment reports 19% YoY rise in net profit at ₹1,288 crore in Q3FY26
Bank of Baroda's Consolidated Net Up 4.4% to Rs 5443 Crore
