Cholamandalam Investment and Finance shares soar 8%; what you need to know

The firm said it continues to maintain a strong performance, with robust asset quality and a comfortable liquidity position, as reflected in its audited financial statements for the half year ended September 2025.

The company added that there has been no change to its earlier guidance and it remains on track to deliver in line with its board-approved business plan.

Cholamandalam Investment said its liquidity position remains strong, supported by cash and bank balances of ₹14,900 crore as of November 30, 2025, while its asset-liability management across time buckets continues to remain positive.

It also noted that its capital adequacy ratio stood at 19.79% for the period ended November 30, 2025, with Tier I capital at 14.53%, comfortably above the statutory requirements of 15% for overall CAR and 10% for Tier I capital.

In a regulatory filing, Cholamandalam Investment said that the net worth of the company stood at ₹26,783 crore as of November 30, 2025, which is an increase of more than ₹3,000 crore over FY25 closing levels.

This includes the conversion of ₹300 crore of the compulsorily convertible debentures (CCDs) issued in FY24.

The balance of ₹1,700 crore of CCDs is also expected to be converted in the next three quarters, which will further strengthen the net worth of the company.

Cholamandalam further clarified that:

Cash collections are largely from small road transport operators and self-employed borrowers across rural and semi-urban India, who typically transact in cash. These collections are deposited with banks and are fully compliant with KYC, income tax norms, internal controls and statutory audits.

Related-party transactions are carried out strictly in line with legal and accounting requirements and are fully disclosed in financial statements. These include insurance premiums paid to group entities and payments for manpower, IT, strategic services and working capital support.

Allegations of personal benefit to individuals were categorically denied, with the company stating that all payments to board members and senior management comply with applicable laws and are transparently disclosed to shareholders.

Payments to rating agencies were described as a standard industry practice, necessary for raising borrowings, with costs varying depending on the level of borrowing in a given year.

CSR contributions are made through work contracts with NGOs and implementing agencies to ensure proper monitoring, in line with mandatory legal requirements.

“As can be seen from the above, distorted facts have been presented selectively, and industry practices have been twisted for the benefit of this agency. We confirm that all the operations of the company are carried out as per the laws of the land, following due compliance of applicable regulatory guidelines,” the company said in the statement.

Cholamandalam Investment and Finance share price

At 11:14 AM, shares of the company were trading at ₹1,703.40 apiece on NSE, gaining 7.48%.

Over a month’s time, the stock has risen more than 2%, while in the last six months, the shares have surged 7%. Since the beginning of 2025, the stock has zoomed over 43%.

Shares of the firm had touched their one-year high of ₹1,782 apiece on October 27, 2025, while their 52-week low of ₹1,168 was hit on December 24, 2024.

The company has a market capitalisation of ₹1.43 lakh crore.