Cholamandalam Investment & Finance Company announced Q1FY26 results Total AUM as of 30th Jun 2025 was at Rs 2,07,663 crore (Up by 23% YoY). Net Income for the quarter was at Rs 3,864 crore (Up 27% YoY). PAT for the quarter was at Rs 1,136 crore (Up by 21% YoY). Aggregate disbursements in Q1FY26 were at Rs 24,325 crore as against Rs 24,332 crore in Q1FY25. Vehicle Finance (VF) disbursements were at Rs 13,647 crore in Q1FY26 as against Rs 12,766 crore in Q1FY25, registering a growth of 7%. Loan Against Property (LAP) business disbursed Rs 4,705 crore in Q1FY26, as against Rs 3,874 crore in Q1FY25, with a growth rate of 21%. Home Loans disbursed Rs 1,764 crore in Q1FY26, as against Rs 1,778 crore in Q1FY25 registering a marginal decline. Small and Medium Enterprises Loan (SME) business disbursed Rs 1,705 crore in Q1FY26, as against Rs 2,160 crore in Q1FY25. This is due to conscious call to slow down certain low ROTA products in this segment. Consumer and Small Enterprise Loans (CSEL) disbursed Rs 2,046 crore in Q1FY26, as against Rs 3,486 crore in Q1FY25. The degrowth is primarily due to exiting of Partnership business under CSEL. Secured Business and Personal Loan (SBPL) disbursed Rs 359 crore in Q1FY26, as against Rs 268 crore in Q1FY25 registering a growth of 34%. Gold Loan business was launched in Q1 of FY 26 and disbursed Rs.100 crore. Assets under management as of 30 th June 2025, stood at Rs 2,07,663 crore as compared to Rs 1,68,832 crore as of 30 th June 2024, clocking a growth of 23% Y-O-Y. PBT for Q1FY26 was at Rs 1,530 crore, registering a growth of 21% over Q1 of FY 25. PBT-ROA for Q1FY26 was at 3.1% as against 3.2% in Q1FY25. ROE for Q1FY26 was at 18.8% as against 18.9% in Q1FY25. The Company continues to hold a strong liquidity position with Rs 16,731 crore as cash balance as of the end of Jun'2025 (including Rs 3,567.54 cr invested in Gsec & SDL/ Rs 1,598.32 cr invested TBill & Rs 786.24 crs invested in Strips shown under investments), with a total liquidity position of Rs 17,226 crore (including undrawn sanctioned lines). The ALM is comfortable with no negative cumulative mismatches across all time buckets. Consolidated Profit Before Tax (PBT) for Q1FY26 was at Rs 1,531 crore as against Rs 1,275 crore in Q1FY25 registering a growth of 20%. Asset Quality: Stage 3 levels representing 90+ dues increased to 3.16% as of June 25 from 2.81% as of the end of March 25. GNPA % as per RBI norms increased to 4.29% as of June 25 as against 3.97% on March 25. NNPA as per RBI norms has also increased to 2.86% as of June 25 against 2.63% on March 25. NNPA is below the threshold of 6% prescribed by RBI as the threshold for PCA. Capital Adequacy: The Capital Adequacy Ratio (CAR) of the company as of 30th June 2025, was at 19.96% as against the regulatory requirement of 15%. Tier-I Capital was at 14.31% (Common Equity TierI Capital at 13.60% as against a regulatory minimum of 9%) and Tier-II Capital was at 5.65%. Result PDF