Cholamandalam Investment and Finance Company stock | 2026 price target, earnings & valuation

Cholamandalam Invest...

BSE:511243

Rp 1.372,90

+ Rp19,05 (1,41%)

1.372,90 Rp

+Rp19,05 (1,41%)

End-of-day quote: 04/02/2026

Cholamandalam Investment and Finance Company Stock Value

Currently, analysts rate BSE:511243 as Outperform.

Outperform

Cholamandalam Investment and Finance Company Company Info

EPS Growth 5Y

26,92%

Market Cap

Rp1.153,53 B

Long-Term Debt

Rp1.178,39 B

Annual earnings

04/24/2026

Dividend

Rp2,06

Dividend Yield

0,15%

Founded

1978

Industry

Financials

Country

India

Website

Cholamandalam Investment and Finance Company

ISIN Number

INE121A01024

Website

http://www.cholamandalam.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Rp1.803,50

31.36%

Last Update: 04/02/2026

Analysts: 34

Highest Price Target Rp2.125,00

Average Price Target Rp1.803,50

Lowest Price Target Rp1.425,00

In the last five quarters, Cholamandalam Investment and Finance Company’s Price Target has risen from Rp1.291,24 to Rp1.491,00 - a 15,47% increase. Twenty Seven analysts predict that Cholamandalam Investment and Finance Company’s share price will increase in the coming year, reaching Rp1.803,50. This would represent an increase of 31,36%.

Top growth stocks in the financials sector (5Y.)

What does Cholamandalam Investment and Finance Company do?

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company, focusing on a diverse array of lending solutions aimed primarily at retail customers, first-time borrowers, new-to-credit customers, and micro-business owners. Business Segments Cholamandalam is categorized into several comprehensive business segments, each designed to cater to specific customer needs. They include Vehicle Financing, Loan Against Property, Affordable Housing, Secured Business & Per...

Business Segments

Cholamandalam is categorized into several comprehensive business segments, each designed to cater to specific customer needs. They include Vehicle Financing, Loan Against Property, Affordable Housing, Secured Business & Personal Loans, Small & Medium Enterprise Loans, and Consumer & Small Enterprise Loans.

Vehicle Financing

Cholamandalam primarily targets transport entrepreneurs, new borrowers, and underbanked individuals in this segment. The company provides financing solutions that enable customers to acquire vehicles necessary for both personal and business objectives.

Loan Against Property

Cholamandalam extends credit to small business entrepreneurs who require financial support by using residential properties as collateral. This service is particularly beneficial for clients who wish to leverage their asset holdings for business growth.

Affordable Housing

Cholamandalam offers various affordable housing options, including loans for self-construction, purchasing resale flats, and financing for mixed-use properties. The company places particular emphasis on serving underserved populations in smaller cities and towns, helping them achieve homeownership.

Secured Business & Personal Loans

Cholamandalam extends funding solutions to self-employed individuals and non-professional customers who require financial aid. These loans facilitate the operational needs of small retail businesses, ensuring they can maintain and expand their enterprises.

Small & Medium Enterprise Loans

Cholamandalam provides business loans specifically tailored for SMEs, with a focus on supporting growth and diversification. The company helps small businesses by offering products such as term loans based on property collateral and equipment finance.

Consumer & Small Enterprise Loans

Cholamandalam offers unsecured lending solutions through this segment, enabling both personal and professional funding. The company assists lower-income segments in accessing essential financial resources for their personal and business needs.

Business Strategy

Cholamandalam operates on a well-defined business strategy aimed at achieving sustainable growth in its financial services offerings. This strategy is underpinned by the commitment to serve the underserved sectors within the Indian economy, thereby enhancing the financial inclusion landscape. The company deploys its extensive reach to develop innovative products tailored to the specific needs of various customer segments, ensuring they have access to vital financial support.

Cholamandalam emphasizes building long-term relationships with its clients, which is embodied in its service-oriented approach. The company recognizes the importance of customer satisfaction and plays a significant role in educating potential borrowers about their financial options, thus fostering informed decision-making. This is complemented by a strong focus on technology adoption, streamlining service delivery through digital channels that enhance client accessibility to financial solutions while optimizing internal operations.

In its manoeuvring within the competitive landscape, Cholamandalam strategically positions itself by diversifying its product offerings, enabling it to cater to a wide range of financial needs. The company's adaptability to market conditions allows it to rise to new challenges while identifying growth opportunities across various verticals, ensuring it remains resilient in a dynamic economic environment.

Products and Services

Cholamandalam offers a wide array of financial services meticulously designed to meet the diverse needs of its clientele. Key products and services include:

Vehicle Financing: Cholamandalam offers loans for purchasing commercial vehicles, which help transport businesses and individual borrowers enhance their mobility and operational efficiency.

Loan Against Property: Cholamandalam enables clients to leverage their property holdings to secure loans, which can be used for business expansion or personal consumption, with residential or commercial property serving as collateral.

Affordable Housing Loans: Cholamandalam provides financing options for purchasing and constructing homes, empowering individuals, particularly in smaller cities, to realize their dream of homeownership.

Secured Business Loans: Cholamandalam offers secured business loans tailored for self-employed clients, helping them finance essential operational needs and enabling them to thrive in competitive markets.

Small & Medium Enterprise Loans: Cholamandalam structures loans specifically for the growth needs of MSMEs, ensuring that small business owners can access the necessary capital at various stages of their business lifecycle.

Consumer Loans: Cholamandalam provides unsecured personal loans to help individuals meet immediate financial needs, catering to the cash flow requirements of both salaried and self-employed individuals.

Geographical Markets Served

Cholamandalam operates across the geographical landscape of India, reaching out to a broad spectrum of clients through its numerous branches established nationwide. The company's strategy has effectively targeted underserved regions, particularly in tier II to tier V cities where traditional banking services are sparse.

Seasonality

Cholamandalam's exhibit seasonality in certain products, such as affordable housing loans and vehicle financing, may see fluctuations in demand based on market conditions, economic cycles, and consumer sentiment. The company responds to these trends by adjusting its marketing strategies, creating focused campaigns during peak consumer periods such as festive seasons or government initiatives aimed at promoting home loans.

Customers

Cholamandalam primarily serves retail customers, including first-time borrowers, new-to-credit individuals, businesses across various sectors, and those who belong to economically weaker sections. The company has built a substantial customer base, providing tailored financial products to meet the diverse needs of its clientele. Its strategy emphasizes financial inclusion, assisting underserved and unbanked populations throughout India, directly supporting over 38,000 customers across different service verticals.

Marketing/Distribution Channels

Cholamandalam adopts a multi-faceted approach to marketing and distribution channels. The company leverages digital marketing, direct sales, and partnerships with various institutions to reach potential customers. The distribution model includes a vast network of branches nationwide, enabling accessibility to services for clients in remote locations. The company has also embraced technological advancements, integrating digital platforms to streamline service delivery and customer engagement, thus enhancing convenience.

History

Cholamandalam Investment and Finance Company Limited (Cholamandalam) was founded in 1978. The company was incorporated in 1978.

Cholamandalam Investment and Finance Company Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Main sectors for revenues:** 1. Vehicle financing 2. Corporate financing 3. Mortgage financing **TOP 3 markets and their percentage shares:** 1. **Vehicle financing:** approx. 60% 2. **Corporate financing:** approx. 25% 3. **Mortgage financing:** approx. 15% Cholamandalam Investment and Finance...

At which locations are the company’s products manufactured?

**Production:** No physical production of products Cholamandalam Investment and Finance Company Limited is a financial services company and does not produce physical products. The company offers financial services such as vehicle financing, corporate financing, and insurance. The "production&q...

What strategy does Cholamandalam Investment and Finance Company pursue for future growth?

**Credit Growth:** 20% (2024) **Digitalization Investments:** 150 million USD (2024) Cholamandalam Investment and Finance Company Limited pursues a strategy focused on strong credit growth and digitalization. In 2024, the company recorded a credit growth of 20%, attributed to an increased focus on...

Which raw materials are imported and from which countries?

**Imported raw materials/materials:** No specific raw materials **Countries of origin:** Not applicable Cholamandalam Investment and Finance Company Limited is a financial services company and not a manufacturing industry. Therefore, it does not import raw materials or materials in the traditional...

How strong is the company’s competitive advantage?

**Market share:** 5.2% in the vehicle financing sector (2024) **Return on equity (ROE):** 18.5% (2024) **Net interest margin:** 7.4% (2024) Cholamandalam Investment and Finance Company Limited has established itself as one of the leading providers in the field of vehicle financing in India. With a...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 48% (2025, estimated) **Insider Buys/Sells:** No significant changes reported (2025, estimated) The institutional investor share in Cholamandalam Investment and Finance Company Limited is approximately 48%. This indicates a high level of trust from institutional i...

What percentage market share does Cholamandalam Investment and Finance Company have?

**Market share of Cholamandalam Investment and Finance Company Limited:** 7.5% (estimated for 2025) **Top 5-10 competitors by market share:** 1. **Bajaj Finance Limited:** 18% 2. **HDFC Ltd.:** 15% 3. **Mahindra & Mahindra Financial Services Limited:** 10% 4. **Shriram Transport Finance Company...

Is Cholamandalam Investment and Finance Company stock currently a good investment?

**Revenue Growth:** 18% (2024) **Net Profit Growth:** 22% (2024) **Return on Equity (ROE):** 17% (2024) **Debt-to-Equity Ratio:** 3.5 (2024) Cholamandalam Investment and Finance Company Limited recorded strong revenue growth of 18% in 2024, attributed to increased demand for its financial services....

Does Cholamandalam Investment and Finance Company pay a dividend – and how reliable is the payout?

**Dividend Yield:** 1.8% (2025, estimated) **Dividend History:** Continuous payout over the last 5 years Cholamandalam Investment and Finance Company Limited has regularly distributed dividends to its shareholders in recent years. The dividend yield is currently estimated at 1.8% for the year 202...

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Cholamandalam Investment and Finance Company Stock Value

Cholamandalam Investment and Finance Company Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Cholamandalam Investment and Finance Company do?

Cholamandalam Investment and Finance Company Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Cholamandalam Investment and Finance Company Stock Value

Cholamandalam Investment and Finance Company Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Cholamandalam Investment and Finance Company do?

Cholamandalam Investment and Finance Company Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.