Cholamandalam Investment and Finance Company Ltd.
Snapshot View

View in App

Prices View details

646.00 +7.15 ▲1.1%

20 May 2022, 04:01:00 PM
Volume: 20,516

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - NBFC Compare with Industry peers
Website http://www.cholamandalam.com
Market Cap 53,004.73 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 26.22 Trailing Twelve Months Ending 2022-03
Price-Earning Ratio (PE) 24.63 Trailing Twelve Months Ending 2022-03
Industry PE 40.49 Trailing Twelve Months Ending 2022-03
Book Value / Share 142.77 Trailing Twelve Months Ending 2022-03
Price to Book Value 4.52 Calculated using Price: 646.00
Dividend Yield 0.31 Period Ending 2021-03
No. of Shares Subscribed 82.12 Cr. 821,205,751 Shares
FaceValue 2
Company Profile

Cholamandalam Investment and Finance Company Limited (Chola) incorporated in 1978 as the financial services arm of the Murugappa Group. Chola commenced business as an equipment financing company and has today emerged as a comprehensive financial services provider offering vehicle finance, home loans, home equity loans, SME loans, investment advisory services, stock broking and a variety of other financial services to customers. The Company is listed on Bombay Stock Exchange and National Stock Exchange.

Business area of the company

The Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.

Products/ Services

  • Vehicle Loans
  • Loans against property
  • Home Loans
  • SME Loans
  • Rural & Agri Loans
  • Wealth Management
  • Securities

Awards

2015-16:

  • Mahindra Transport Excellence Awards 2015 for ‘Commercial Vehicle Financier of the year’ under the category Driving Positive Change
  • Daimler India Commercial Vehicles Award 2015 for ‘Best Financier in Lead Generation’

2016-17:

  • Chola has won The Golden Globe Tigers Award for Excellence & Leadership in CSR

2017-18:

  • Chola recognized as one of the Top 26 Innovative Organizations in India
  • Chola wins The Star Award
  • National Award for Excellence in CSR
  • Golden Tigers Award for CSR Excellence
  • Best Corporate Award (Medium Companies Category)

2018-19:

  • The company was awarded as the Winner in Large service category in the employee relations and employee engagement category in the National HR circle competition conducted by Confederation of Indian Industry (CII). The award for the interventions focused on organization culture transformation.

2019-20:

  • Awarded as winner in the Employee Relations & Employee Engagement category (Large Service Industry) at the CII National HR Circle Competition.
  • Chola won the second place for Digitization in L&D- HR at the CII National HR Circle Competition 2019.

Milestones:

2015:

  • Chola and Eicher Polaris Pvt Ltd Announces their Strategic Partnership for Multix
  • Chola ties up with Ola to offer daily loan repayment to its drivers
  • Cholamandalam Investment and Finance Company Limited partners with Escorts Limited to provide loans on Construction Equipment

2016:

  • Chola expands its footprint in Bihar - Hajipur/Bihar
  • Chola expands its footprint in Maharashtra by opening four new branches - Maharashtra / Mumbai
  • Chola expands its footprints in Karnataka by opening four new branches - Bengaluru

2017:

  • Chola inks Strategic Alliance with HUDCO

2019:

  • IFC Channels $222 million into Cholamandalam to Boost Finance for Small Road Transport Operators and MSMEs

2020:

  • Chola partners with Sri Sathya Sai Sanjeevani Hospitals
  • Chola partners with Maruti Suzuki for Vehicle Finance

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
+1.12%
1 Week
+2.17%
1 Month
-9.06%
3 Month
-4.03%
6 Month
+4.49%
1 Year
+13.37%
2 Year
+378.16%
5 Year
+211.82%
10 Year
+1787.78%

Ratios View Details

9 years 2013-03 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 18.35 17.38 17.91 18.12 18.02 19.50 21.18 14.68 17.16
Return on Capital Employed (%) 12.39 12.37 12.21 11.99 12.22 11.30 10.81 10.30 9.70
Return on Assets (%) 1.95 1.86 1.97 2.24 2.48 2.48 2.37 1.75 2.21

Balance Sheet View Details

Particulars 10 years 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03* Rs. Cr.
Shh. Funds 1,953 2,287 3,174 3,670 4,298 5,125 6,209 8,200 9,600 11,769
Non Curr. Liab. 8,367 10,038 12,603 11,224 15,572 34,710 45,247 51,440 58,489 64,991
Curr. Liab. 7,841 9,090 7,906 12,710 10,411 3,966 5,574 3,891 5,786 5,044
Minority Int. 4 2 0
Equity & Liab. 18,160 21,414 23,683 27,607 30,283 43,801 57,030 63,531 73,875 81,804
Non Curr. Assets 12,092 14,129 16,227 18,842 20,873 42,640 53,024 55,937 67,969 76,496
Curr. Assets 6,067 7,285 7,456 8,765 9,409 1,161 4,006 7,594 5,906 5,308
Misc. Exp. not W/O
Total Assets 18,160 21,414 23,683 27,607 30,283 43,801 57,030 63,531 73,875 81,804

Profit Loss View Details

Particulars 10 years 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. TTM
Net Sales 2,570 3,279 3,715 4,214 4,693 5,559 7,088 8,712 9,579 10,140
Other Income 36 118 186 135 234 3 24 2 6 52
Total Income 2,606 3,397 3,900 4,349 4,928 5,562 7,111 8,714 9,585 10,193
Total Expenditure -723 -1,049 -1,246 -1,400 -1,553 -1,453 -1,635 -2,423 -2,859 -2,887
PBIDT 1,884 2,348 2,654 2,949 3,374 4,108 5,477 6,291 6,726 7,306
Interest -1,410 -1,769 -1,958 -2,048 -2,228 -2,657 -3,588 -4,592 -4,576 -4,298
Depreciation -22 -25 -30 -22 -39 -51 -57 -111 -102 -101
Taxation -144 -186 -222 -305 -390 -483 -635 -534 -527 -749
Exceptional Items
PAT 308 368 444 575 718 918 1,197 1,054 1,521 2,159
Minority Interest 0 2 2 1
Share Associate 0 0 -1 -5
Other Related Items
Consolidated Net Profit 308 368 444 575 719 919 1,198 1,054 1,521 2,154
Adjusted EPS 4 5 6 7 9 12 15 13 19 26

Cash Flow View Details

Particulars 10 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. -3,574 -3,754 -2,447 -2,264 -2,809 -1,468 -7,926 -9,317 -2,075 -8,842
Cash Fr. Inv. 55 5 -83 -40 -140 -222 -60 -11 -54 -1,572
Cash Fr. Finan. 3,602 4,067 2,749 1,819 3,031 1,692 8,009 12,191 2,452 8,516
Net Change 83 317 219 -485 82 2 22 2,862 323 -1,898
Cash & Cash Eqvt 139 456 676 191 275 278 300 3,162 3,485 1,586

Shareholding Pattern View Details

9 Qtrs 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%)
Promoter 51.65 51.65 51.64 51.64 51.62 51.61 51.57 51.55 51.55
Public 48.35 48.35 48.36 48.36 48.38 48.39 48.43 48.45 48.45
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.03

Announcements View Details

Fri, 20 May 2022
Announcement under Regulation 30 (LODR)-Allotment
We wish to inform you that the Nomination and Remuneration Committee of the Company has approved allotment of 1 30 980 equity shares of Rs.2/- each to employees who have exercised their options under the employees stock option scheme.The Company will be applying for the final listing of the above shares on NSE and BSE to completethe rest of the issue formalities.
Wed, 11 May 2022
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Transcript of investors earnings call for the quarter and year ended 31st March 2022.
Fri, 06 May 2022
Closure Of Register Of Members - FY2022
The Register of Members will be closed from Monday 25 July 2022 to Friday 29 July 2022 (both days inclusive) for the purpose of 44th AGM and Final dividend 2022.

Technical Scans View Details

Fri, 20 May 2022
Opening at Low Opening at Low
High Decrease 1 Month High Decrease 1 Month
High Increase 2 Years High Increase 2 Years
High Increase 5 Years High Increase 5 Years
MFI Below 20 MFI Below 20

Related Stocks View Details

Stock Name Market Cap(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India 522,602.94 826.25 -1.7%
Housing Development Finance Corporation Ltd. 399,513.47 2,203.15 +3.1%
Bajaj Finance Ltd. 349,723.17 5,776.45 +1.2%
Bajaj Finserv Ltd. 199,910.84 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. 115,088.55 544.65 +3.0%
SBI Life Insurance Company Ltd. 106,964.62 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. 73,533.96 511.60 +2.6%
Stock Name Statement TTM Ending Price Earning Ratio(TTM) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 180.17 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2022-03 17.68 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2022-03 49.76 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2022-03 43.87 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2022-03 86.73 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2022-03 71.03 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2022-03 96.86 511.60 +2.6%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 15.68 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2022-03 2.22 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2022-03 8.00 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2022-03 4.97 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2022-03 7.41 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2022-03 9.37 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2022-03 8.18 511.60 +2.6%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 0.00 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2021-03 2.88 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2021-03 3.60 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2021-03 3.57 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 0.07 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2021-03 0.00 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 0.14 511.60 +2.6%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 74.46 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2021-03 9.67 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2021-03 12.86 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2021-03 21.95 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 17.65 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2021-03 15.34 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 11.97 511.60 +2.6%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 74.46 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2021-03 9.67 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2021-03 12.86 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2021-03 21.95 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 17.65 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2021-03 15.34 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 11.97 511.60 +2.6%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2021-03 139,039.23 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2021-03 26,689.57 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2021-03 60,591.20 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2021-03 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 511.60 +2.6%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
Life Insurance Corporation of India Standalone 2021-03 2,974.14 826.25 -1.7%
Housing Development Finance Corporation Ltd. Consolidated 2021-03 13,566.08 2,203.15 +3.1%
Bajaj Finance Ltd. Consolidated 2021-03 4,419.82 5,776.45 +1.2%
Bajaj Finserv Ltd. Consolidated 2021-03 7,367.56 12,562.15 +1.2%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 1,360.87 544.65 +3.0%
SBI Life Insurance Company Ltd. Standalone 2021-03 1,455.85 1,069.25 +1.2%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 956.16 511.60 +2.6%