New Delhi, Apr 30: The Board of Directors of Cholamandalam Investment and Finance Company Limited (CIFCL) has approved the audited financial results for the quarter and year ended March 31, 2026, delivering strong growth across key business segments.
The company reported total Assets Under Management (AUM) of ₹2,42,630 crore, reflecting a 21% year-on-year growth. Net income for the quarter grew 27% YoY, while full-year net income increased 26%. Profit After Tax (PAT) rose 30% YoY for the quarter and 23% YoY for FY2025–26.
Performance Highlights:
CIFCL recorded strong aggregate disbursements in Q4 FY26 and for the full year, supported by broad-based growth across its lending portfolio.
- Vehicle Finance continued to be a key driver, with AUM rising 18% YoY.
- Loan Against Property (LAP) business grew 26% YoY.
- Home Loans segment expanded 23% YoY.
- SME Loans recorded strong momentum with 41% YoY growth.
- Secured Business and Personal Loans (SBPL) saw robust growth of 46% YoY.
- Consumer and Small Enterprise Loans (CSEL) remained stable with moderate growth.
- Gold Loans business continued to scale steadily with 119 dedicated branches.
The company maintained a strong liquidity position, ensuring a comfortable asset-liability profile with no negative mismatches.
Profitability and Returns:
Profit Before Tax (PBT) grew 25% YoY in Q4 and 21% for the full year. Return on Equity (ROE) stood at 22.95% for Q4 FY26 and 19.74% for the full year, reflecting sustained profitability and efficient capital utilization.
Asset Quality:
CIFCL demonstrated improvement in asset quality metrics, with Stage 3 assets declining sequentially. Gross Non-Performing Assets (GNPA) and Net NPA levels also improved, indicating better credit quality and risk management.
Capital Adequacy:
The company maintained a strong capital position, with a Capital Adequacy Ratio (CAR) well above regulatory requirements. Tier-I capital remained robust, reinforcing financial stability and growth readiness.
Dividend:
The Board has recommended a final dividend for FY2025–26, subject to shareholder approval, in addition to the interim dividend declared earlier during the year.
CIFCL’s performance underscores its consistent execution, diversified portfolio strength, and disciplined approach to growth, positioning the company well for sustained expansion in the coming years.
