Finance company Cholamandalam Investment & Finance Company announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Aggregate disbursements in Q4FY25 were at Rs 26,417 crore as against Rs 24,784 crore in Q4FY24 registering a growth of 7%. Vehicle Finance (VF) disbursements were at Rs 14,430 crore in Q4FY25 as against Rs 12,962 crore in Q4FY24, registering a growth of 11%. Loan Against Property (LAP) business disbursed Rs 5,539 crore in Q4FY25, as against Rs 4,273 crore in Q4FY24, registering a growth rate of 30%. Home Loan business disbursed Rs 1,983 crore in Q4FY25, as against Rs 1,747 crore in Q4FY24 registering a growth of 14%. Small and Medium Enterprises Loan (SME) business disbursed Rs 1,733 crore in Q4FY25, as against Rs 2,136 crore in Q4FY24. Consumer and Small Enterprise Loans (CSEL) disbursed Rs 2,328 crore in Q4FY25, as against Rs 3,301 crore in Q4FY24. Secured Business and Personal Loan (SBPL) disbursed Rs 404 crore in Q4FY25, as against Rs 366 crore in Q4FY24 registering a growth of 10%. PBT Growth in Q4 was at 19%. PBT-ROA for Q4FY25 was at 3.6%. ROE for Q4FY25 was at 22.2%. Consolidated Profit Before Tax (PBT) for Q4FY25 was at Rs 1,698 crore as against Rs 1,428 crore in Q4FY24 registering a growth of 19%. FY25 Financial Highlights: Aggregate Disbursements for FY25 were at Rs 1,00,869 crore as against Rs 88,725 crore registering a growth of 14% on a YoY basis. Vehicle Finance (VF) Disbursements for FY25, were at Rs 53,922 crore as against Rs 48,348 crore in the previous year, registering a growth of 12% YoY. Loan Against Property (LAP) Disbursements for FY25, were at Rs 17,913 crore as against Rs 13,554 crore in the previous year, registering a growth of 32% YoY. Home Loan business Disbursements for FY25 were at Rs 7,404 crore as against Rs 6,362 crore in the previous year, registering a growth of 16% YoY. Small and Medium Enterprises Loan (SME) business disbursements for FY25 were at Rs 7,763 crore, as against Rs 8,106 crore in FY24. Consumer and Small Enterprise Loans (CSEL) e disbursements for FY25 were at Rs 12,552 crore, as against Rs 11,281 crore in the previous year, registering a growth of 11% YoY. Secured Business and Personal Loan (SBPL) disbursements for FY25 were at Rs 1,316 crore, registering 23% growth over Rs 1074 crore in FY24. Assets under management as of 31 st March 2025, stood at Rs 1,99,876 crore as compared to Rs 1,53,718 crore as of 31 st March 2024, clocking a growth of 30% YoY. PBT Growth for FY25 was at 25%. PBT-ROA for FY25 was at 3.3%. ROE for FY25 was at 19.8%. The Company continues to hold a strong liquidity position with Rs 15,267 crore as cash balance as at the end of Mar'2025 (including Rs 5866 held as HQLA for LCR purposes and shown under investments). The total liquidity position was Rs 15,712 crore (including undrawn Consortium sanctioned lines). The ALM is comfortable with no negative cumulative mismatches across all-time buckets. Consolidated Profit Before Tax (PBT) for FY25 was at Rs 5,741 crore as against Rs 4,605 crore in FY24 registering a growth of 25%. Asset Quality: Gross Stage 3 assets representing 90+ dues decreased to 2.81% as of March 25 from 2.91% as of the end of December 24. Gross NPA as per RBI norms decreased to 3.97% as of March 25 as against 4.00% in December 24. NNPA as per RBI norms has also decreased to 2.63% as of March 25 as against 2.66% in December 24. 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 31 st March 2025, was at 19.75% as against the regulatory requirement of 15%. Tier-I Capital was at 14.41% (Common Equity TierI Capital at 13.68% as against a regulatory minimum of 9%) and Tier-II Capital was at 5.34%. Dividend: The Board of Directors of the company has recommended a final dividend of Rs 0.70 per share (35%) on the equity shares of the company, subject to the approval of the members of the company at the ensuing Annual General Meeting. This is in addition to the interim dividend of Rs 1.30 per share (65%) for the FY25 declared by the company on 31st January 2025. Result PDF