Cholamandalam Financial Holdings Limited is an Indian investment holding company. The company's operations are divided into two main product/service segments, which include financial services and insurance and related services. The company is engaged in non-banking activities through its subsidiaries Cholamandalam Investment and Finance Company Limited (CIFCL); Cholamandalam MS General Insurance Company Limited (CMSGICL) is engaged in general insurance business and Cholamandalam MS Risk Services Limited (CMRSL) is engaged in risk management and planning solutions. CIFCL is a financial services company that offers vehicles, home loans and real estate to its various customers. CMSGICL offers a wide range of insurance policies to its customers including traffic, travel, health, accident, home and other insurance policies. CMSRSL provides risk management and planning solutions in the field of safety, health and environment.