Cholamandalam Investment and Finance reported net profit of ₹1,641 crore for Q4FY26, up 30 per cent year-on-year. Net profit for the full fiscal year FY26 stood at ₹5,220 crore up 23 per cent y-o-y.
The uptick in profit came despite the company making an impairment allowance of ₹200 crore in Q4FY26 as management overlay towards the potential adverse impact of geo-political risks on the loan portfolio.
Asset quality also improved sequentially with GNPA as per RBI norms at 4.36 per cent as of March 26 as against 4.63 per cent in December 25. NNPA as per RBI norms was at 2.87 per cent as of March 26 as against 3.13 per cent in December 25.
Net income for the quarter stood at ₹4,789, up 27 per cent y-o-y. Similarly, net profit for FY26 was at ₹17,071 crore, up 26 per cent y-o-y.
Assets under Management (AUM) as of March 31, 2026 stood at ₹2,42,630 crore as compared to ₹1,99,876 crore as of March 2025, registering a growth of 21 per cent on y-o-y. Aggregate disbursements in Q4 FY26 and FY26 were at ₹32,913 crore and ₹1,11,642 crore respectively.
The highest AUM growth came in the Loan Against Property (LAP) business, with the AUM of ₹52,295 crore as of March 31, 2026 registering a growth of 26 per cent y-o-y. Home loan business with the AUM of ₹22,688 crore, registered a growth of 23 per cent y-o-y. Vehicle finance, its key product, ended the fiscal with an AUM of ₹1,19,558 crore, registering a growth of 18 per cent y-o-y.
Gold Loans business disbursed ₹1,130 crore during Q4 FY26, and ₹2,469 crore in FY26 and continued to scale steadily. We are currently operating through 119 dedicated branches, the company said.
Published on April 30, 2026