Cholamandalam Investment & Finance Company announced Q2FY26 results Aggregate disbursements in Q2FY26 were at Rs 24,442 crore and Rs 48,646 in H1FY26 with the AUM of Rs 2,14,906 crore as of 30th September 2025 as compared to Rs 1,77,426 crore as of 30th September 2024, registering a growth of 21% on YoY. Vehicle Finance (VF) disbursements were at Rs 13,539 crore in Q2FY26 and Rs 27,186 crore in H1FY26, with the AUM of Rs 1,07,568 crore as of 30th September 2025 as compared to Rs 92,012 crore in the previous year, registering a growth of 17% YoY. Loan Against Property (LAP) business disbursed Rs 4,630 crore in Q2FY26 and Rs 9,336 crore in H1FY26, with the AUM of Rs 46,302 crore as of 30th September 2025 as compared to Rs 34,824 crore in the previous year, registering a growth of 33% YoY. Home Loan business disbursed Rs 1,697 crore in Q2FY26, and Rs 3,461 in H1FY26, with the AUM of Rs 20,405 crore as of 30th September 2025 as compared to Rs 15,892 crore in the previous year, registering a growth of 28% YoY. Small and Medium Enterprises Loan (SME) business disbursed Rs 1,581 crore in Q2FY26, and Rs 3,286 crore in H1FY26, with the AUM of Rs 7,544 crore as of 30th September 2025 as compared to Rs 5,877 crore in the previous year, registering a growth of 28% YoY. Consumer and Small Enterprise Loans (CSEL) disbursed Rs 2,142 crore in Q2FY26, and Rs 4,188 crore in H1FY26, with the AUM of Rs 13,952 crore as of 30th September 2025 as compared to Rs 14,175 crore in the previous year. Secured Business and Personal Loan (SBPL) disbursed Rs 385 crore in Q2FY26, and Rs 744 crore in H1FY26, with the AUM of Rs 2,932 crore as of 30th September 2025 as compared to Rs 1,863 crore in the previous year, registering a growth of 57% YoY. PBT Growth was 20% in both Q2 and for H1FY26. PBT-ROA for Q2 is at 3% and 3.1% in H1FY26. ROE for Q2FY26 was at 18.11%. and 18.47% in the H1FY26. The Company continues to hold a strong liquidity position with Rs 16,991 crore as cash balance as at the end of Sep'2025 (including HQLA of Rs 6,661 crore in GSEC, SDL, T-bill & Strips shown under investments held in compliance with LCR requirements), with a total liquidity position of Rs 17,516 crore (including undrawn sanctioned lines). The ALM is comfortable with no negative cumulative mismatches across all time buckets. Consolidated Profit Before Tax (PBT) for Q2FY26 was at Rs 1,565 crore as against Rs 1,304 crore in Q2FY25 registering a growth of 20% and for H1FY26 was at Rs 3,096 crore as against Rs 2,579 crore in H1FY25 registering a growth of 20%. Asset Quality: Stage 3 levels representing 90+ dues were at 3.35% as of September 25 as against 3.16% at the end of June 25. GNPA % as per RBI norms was at 4.57% as of September 25 as against 4.29% in June 25. NNPA as per RBI norms was at 3.07% as of September 25 as against 2.86% in June 25. Capital Adequacy: The Capital Adequacy Ratio (CAR) of the company as of 30 th September 2025, was at 20.00% as against the regulatory requirement of 15%. Tier-I Capital was at 14.59% (Common Equity Tier-I Capital at 13.93% as against a regulatory minimum of 9%) and Tier-II Capital was at 5.41%. Result PDF