Chola Finance Latest Update

Financial Performance (Q4 FY2024-25 & Full Year FY2024-25): Cholamandalam Investment and Finance Company has reported robust financial results. For the quarter ending March 31, 2025, the consolidated Profit After Tax (PAT) surged by 19% year-on-year to ₹1,362.18 crore. The consolidated total income for the same quarter rose significantly to ₹9,009.36 crore. For the full financial year ending March 31, 2025, the consolidated PAT grew to ₹4,739.88 crore, while total income reached ₹33,459.92 crore. Disbursements for the full year also saw healthy growth, reaching ₹1,00,869 crore. The company's Assets Under Management (AUM) as of March 31, 2025, stood at an impressive ₹1,99,876 crore, marking a 30% year-on-year increase. Key Business Segment Performance: The company witnessed strong growth across its lending segments. Vehicle Finance disbursements for FY25 grew by 12% year-on-year. Loan Against Property (LAP) business saw a remarkable 32% year-on-year growth in disbursements for FY25. Home Loan disbursements also increased by 16% year-on-year for the full financial year. This broad-based growth indicates continued demand across various product offerings. Other Developments and Strategic Focus: Chola Finance maintains a strong liquidity position, with ₹15,267 crore in cash balance at the end of March 2025. Their Capital Adequacy Ratio (CAR) stands comfortably at 19.75%, well above the regulatory requirement. The company has also been active in corporate announcements, including the allotment of NCDs and ESOP shares in May and June 2025. Chola Finance is also expanding its social initiatives, having partnered with organizations for women's education and environment projects, and continues its "Raahi National Truck Eye Health and Rural Eye Health programs." They are also preparing to launch a Gold Loan business in select geographies.