CHOLAFIN

– FY25 and Q4FY25 Highlights

Company delivered strong performance in FY25 with growth across major business segments, maintaining asset quality and strengthening profitability. Q4FY25 Highlights: - Aggregate disbursements grew 7% YoY to Rs 26,417 crore. - Vehicle Finance disbursements rose 11% YoY to Rs 14,430 crore. - Loan Against Property (LAP) disbursements increased by 30% to Rs 5,539 crore. - Home Loan disbursements were up 14% YoY at Rs 1,983 crore. - SME Loan disbursements declined to Rs 1,733 crore versus Rs 2,136 crore last year. - Consumer and Small Enterprise Loans (CSEL) disbursements stood at Rs 2,328 crore, lower than Rs 3,301 crore in Q4FY24. - Profit Before Tax (PBT) grew 19% YoY to Rs 1,698 crore. - PBT-ROA stood at 3.6%, while ROE was healthy at 22.2%. FY25 Full-Year Highlights: - Aggregate disbursements crossed Rs 1 lakh crore, growing 14% YoY to Rs 1,00,869 crore. - Vehicle Finance disbursements rose 12% to Rs 53,922 crore. - LAP disbursements grew 32% to Rs 17,913 crore. - Home Loan disbursements increased by 16% to Rs 7,404 crore. - CSEL disbursements grew 11% to Rs 12,552 crore, while SME disbursements declined slightly. - Secured Business and Personal Loans (SBPL) posted 23% growth. - Assets under management (AUM) surged 30% YoY to Rs 1,99,876 crore. - Full-year PBT increased 25% YoY to Rs 5,741 crore. - PBT-ROA stood at 3.3%, while ROE came in at 19.8%. Asset Quality and Liquidity: - Gross Stage 3 assets improved to 2.81% from 2.91% in December 2024. - Gross NPA under RBI norms reduced to 3.97%, and Net NPA (NNPA) improved to 2.63%. - Liquidity remained strong with a total liquidity position of Rs 15,712 crore, including cash balances and undrawn sanctioned lines. - ALM profile remains comfortable across all buckets without mismatches. Capital Adequacy: - Capital Adequacy Ratio (CAR) stood at a strong 19.75%, well above the regulatory minimum. - Tier-I Capital was at 14.41%, with Common Equity Tier-I at 13.68%.