Archive · 6 Nov 2025
Cholamandalam Investment Records 20% Net Profit Growth in Q2
Cholamandalam Investment and Finance, a finance company, had a good second quarter.
Their profits went up by 20%, and the total amount of money they manage also grew by 21%.
This means they are doing well in lending money and managing investments for people.
However, some of the loans they gave out are becoming harder to get back, meaning more people are having trouble paying them.
This is shown by a slight increase in bad loans.
Despite this, the company has enough money saved up to cover these potential losses and also has more capital than the government requires.
Overall, they are growing but need to watch the quality of their loans.
Cholamandalam Investment and Finance Company Ltd (CIFCL) reported a 20% year-on-year increase in net profit for Q2FY26, reaching ₹1,155 crore.
Standalone revenue from operations also grew by 20% to ₹7,469 crore in the same quarter.
Assets under Management (AUM) rose by 21% year-on-year to ₹2,14,906 crore as of September 30, 2025.
Aggregate disbursements saw a marginal 1% rise to ₹24,442 crore in Q2FY26.
Asset quality deteriorated sequentially, with Gross NPA rising to 4.57% and Net NPA to 3.07% as of September 30, 2025.
- Who
- Cholamandalam Investment and Finance Company Ltd (CIFCL)
- What
- Reported a 20% rise in net profit and revenue, with a 21% increase in Assets under Management, but saw a sequential deterioration in asset quality.
- When
- Quarter ended September 30, 2025 (Q2FY26)
- Where
- India
- Why
- The company reported profit growth alongside an increase in its Assets under Management, but faced a sequential rise in Non-Performing Assets.
- Company
- Cholamandalam Investment and Finance Company Ltd (CIFCL)
- Reporting Period
- Q2 FY26 (Quarter ended September 30, 2025)
- Standalone Revenue from Operations
- ₹7,469 crore (up 20% YoY)
- Net Profit
- ₹1,155 crore (up 20% YoY)
- Aggregate Disbursements
- ₹24,442 crore (up 1% YoY)
- Assets under Management (AUM)
- ₹2,14,906 crore (up 21% YoY as of Sept 30, 2025)
- Gross NPA
- 4.57% (as of Sept 30, 2025)
- Net NPA
- 3.07% (as of Sept 30, 2025)
- Provision Coverage Ratio (PCR)
- 33.9% (as of Sept 30, 2025)
- Capital Adequacy Ratio (CAR)
- 20% (as of Sept 30, 2025, vs 15% regulatory requirement)
Sources
Ramco Cements Q2 Results: 3-fold increase in net profit driven by revenue growth
Grasim Q2 profit jumps 76% YoY to Rs 553 crore, revenue improves 17%
Cholamandalam Investment and Finance records 20% net profit growth in Q2
Nilkamal Q2 Results: Profit, revenue grow 18% YoY boosted by B2B, e-comm segments
Indian infra firm NCCs profit slides on weak project execution
