Q4 2025 Cholamandalam Investment and Finance Company Ltd Earnings Call Transcript

Apr 27, 2025 / 04:30 AM GMT

Release Date Price: ₹1525.8 (-1.15%)

Transcript

Key Points

Positve

Cholamandalam Investment and Finance Co Ltd (BOM:511243) reported a 30% year-on-year growth in total assets under management (AUM), reaching 1,99,876 crores.
The company's net income for the quarter increased by 29% year-on-year, and for the year, it rose by 36%.
Vehicle finance disbursements grew by 11% in Q4, and loan against property disbursements increased by 30% for the quarter.
The company maintains a strong liquidity position with a cash balance of 15,267 crores.
Cholamandalam Investment and Finance Co Ltd (BOM:511243) is launching a gold loan business in select geographies, indicating expansion into new product lines.

Negative

Disbursements in the SME segment decreased due to a strategic decision to slow down on lower return products like supply chain finance.
The consumer and small enterprise segment saw a drop in disbursements due to a decision to exit some partnership-led volumes.
Credit costs in newer business segments like SME and consumer finance have increased, impacting overall profitability.
The company is cautious about growth projections due to potential impacts from monsoon variability on vehicle finance.
The cost of hedging on foreign borrowings has increased, which could affect future financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CHLA.NS - Cholamandalam Investment and Finance Company Ltd
Q4 2025 Cholamandalam Investment and Finance Company Ltd Earnings Call
Apr 28, 2025 / 04:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, Good day and welcome to the Q4 FY25 earnings conference call of Chola Mandalam Investment and Finance Company Limited, hosted by Kotex Securities. As a reminder, all participant lines will be in the lesson only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance to join the conference call, please signal an operator by pressing, then 0 on your touchstone phone. Please note that this conference is being recorded.

I now hand the conference over to Mr. Nishin Sawati from Kotex Securities.

Thank you and over to you Nishin.

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