Cholamandalam Financial Holdings Limited (CFHL) is a part of the Murugappa Group. The Co. is a Core Investment Company registered with the RBI, offering a diverse range of financial products and risk management services to individual and corporate customers through its group companies. Cholamandalam Financial Holdings Limited (CFHL) (formerly known as TI Financial Holdings Limited) was incorporated in 1949 and is a part of the Murugappa Group, one of the most diversified business conglomerates of India.
The company operates as a holding company with strategic investments in various financial services entities. It operates through Financial Services, and Insurance and Allied Services segments. In July 2017, the company's manufacturing activities shifted to Tube Investments of India Limited, after which it changed its name to Cholamandalam Financial Holdings Limited in 2019.
The Co. provides financial services through its subsidiary Cholamandalam Investment and Finance Company Limited (CIFCL) by offering vehicle finance, home loans, loan against property, etc to a wide range of customers, wherein it holds 45.41% as of June 2022. Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.
The Co. offers a wide range of insurance including motor, travel, health, accident, home, and other types of insurance for corporate customers through its subsidiary Cholamandalam MS General Insurance Company Limited (CMSGICL), wherein it holds 60% as on June 2022.
The Co. provides risk management and engineering solutions in the field of Safety, Health, and Environment through its Joint Venture with Mitsui Sumitomo Insurance Group, Japan through Cholamandalam MS Risk Services Ltd (CMSRSL), wherein it holds 49.5% as on June 2022.
Revenue: ₹9,011.59Cr as on March 2025 (Q4 FY25) Net Profit: ₹1,362.18Cr as on March 2025 (Q4 FY25) The company has demonstrated strong growth momentum with Cholamandalam Financial Holdings reported a 19% year-on-year increase in Q4 PAT to ₹1,362 crore, with total income rising 26% to ₹9,009 crore.
Key financial highlights for FY25:
- For the full year,net profit rose 22.63% to Rs 2173.66 crore in the year ended March 2025 as against Rs 1772.52 crore during the previous year ended March 2024.
- Sales rose 28.38% to Rs 33125.33 crore in the year ended March 2025 as against Rs 25803.52 crore during the previous year ended March 2024.
- Q4 FY25 earnings call: 8,328 Cr GWP, 18.5% ROE, 107.85% combined ratio, INR54 Cr one-time income.
The market cap of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) is ₹37475.88 Cr as of 13th June 2025. The company trades on both NSE and BSE with strong institutional participation. Promoter holding in Cholamandalam Financial Holdings Ltd has gone down to 46.45 per cent as of Mar 2025 from 47.32 per cent as of Jun 2024.
The stock has shown robust performance with Over the past 6 months, the Cholamandalam Financial Holdings share price has increased by 29.96% and in the last one year, it has increased by 60.66%. Current valuation metrics include The P/E (price-to-earnings) ratio of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) is 17.24. and The P/B (price-to-book) ratio is 1.69.
Chairperson Name: M M Murugappan leads the company with extensive experience in the Murugappa Group ecosystem. The company is part of the Murugappa Group, a prominent Chennai-based conglomerate founded in 1900. With a $9.3 billion portfolio, the group spans three sectors with 29 businesses and nine listed companies. It operates 113 manufacturing sites in 50 countries and employs over 83,000 people.
Last year, Cholamandalam acquired Payswiff Technologies Private Limited, invested in Paytail Commerce private Limited, and expanded its business into consumer and small enterprise loans, secured business and personal loans, and small and medium enterprise loans. The company has been expanding its geographical footprint with With 22 branches in 2017, the company now operates in 34 branches.
The company maintains a strong dividend policy with In the quarter ending March 2024, Cholamandalam Financial Holdings Ltd has declared dividend of ₹0.55 - translating a dividend yield of 0.06%. demonstrating commitment to shareholder returns while funding growth initiatives.
Cholamandalam Financial Holdings continues to strengthen its position as a leading financial services holding company, leveraging the heritage and reputation of the Murugappa Group while pursuing strategic growth opportunities across its diverse portfolio of financial services businesses.
