Q3 2026 Cholamandalam Investment and Finance Company Ltd Earnings Call Transcript
Good morning, everyone. Welcome to the interaction with management of Cholamandalam Investment and Finance Company Limited. We will discuss 3Q FY26 earnings today.
The senior management is represented by Mr. Vellayan Subbiah, Chairman and Executive Director; Mr. Ravindra Kundu, Managing Director and CEO; and Mr. Arul Selvan, Chief Financial Officer. I would now like to hand over the call to Vellayan for his opening comments, after which we will take the Q&A. Over to you, Vellayan.
Thank you, Nischint, and good morning, everyone. I'm happy to take you through our performance for Q3 FY26. We had aggregate disbursements of INR29,962 crore, which is a growth of 16% year-on-year, and that takes our AUM to INR2,27,770 crore. AUM growth remained steady at 20% at the end of this quarter.
Disbursements saw healthy growth across all major product segments in the quarter. Vehicle finance delivered a 17% year-on
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