CreditBrief

What Cholamandalam Investment and Finance lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹2.48 lakh crore (+11% since March).

Cholamandalam Investment and FinanceNBFCs

₹2.24lakh crorebusiness AUM on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers4thof 13 NBFCs on CreditBrief, March 2026
Biggest segment52.3%VF (Vehicle Finance), latest split (30 Sep 2026)
Share of the combined book10%of all NBFCs on CreditBrief

Chapter 01 · The loan book

₹2.24 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Cholamandalam Investment and Finance's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from vf (vehicle finance) down, and you get ₹2.24 lakh crore. By 30 Sep 2026 it was ₹2.48 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

94%People and households₹2.33 lakh croreVF (Vehicle Finance)LAP (Loan Against Property)CSEL (Consumer & Small Enterprise Loan)HL (Home Loan)Gold
6%Businesses₹14,909 croreSBPL (Secured Business & Personal Loan)SME

Drilling down: what it lends against · 30 Sep 2026

  • VF (Vehicle Finance)₹1.30 lakh crore52.3%
  • LAP (Loan Against Property)₹57,447 crore23.2%
  • HL (Home Loan)₹25,240 crore10.2%
  • CSEL (Consumer & Small Enterprise Loan)₹17,216 crore6.9%
  • SME₹10,943 crore4.4%
  • SBPL (Secured Business & Personal Loan)₹3,966 crore1.6%
  • Gold₹3,446 crore1.4%

Segment amounts are read from a bar chart in the filing and match its tables later on. Consumer and small enterprise loans (personal loans, buy now pay later and small business loans) are grouped as consumer loans.

Sources: Cholamandalam Investment and Finance Investor Presentation Mar 2026, PDF page 8 ↗ for March 2026; Cholamandalam Investment and Finance Investor Presentation Q2 FY27, PDF page 8 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 31% a year since March 2022.

From ₹76,907 crore on 31 March 2022 to ₹2.24 lakh crore on 31 March 2026, and ₹2.48 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 6 filings · each checked against its pageHow it works
Cholamandalam Investment and Finance · loan book · 31 March 2026₹2.24lakh crore+21% in FY2025-26₹2.48 lakh crore by 30 Sep 2026
  1. 0131%a year since 2022Grew 31% a year from March 2022 to March 2026, faster than 9 of the 10 other NBFCs with like-for-like figures for those years.
  2. 0221%in FY2025-26Growth slowed to 21% in FY2025-26, from 27% the year before.
  3. 035thamong peersMoved up from 5th to 4th biggest of these 13 NBFCs between March 2022 and March 2026.
Branches1,761+9.2% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · business AUM76,9071,06,4981,45,5721,84,7462,24,3342,48,045
BranchesNumber1,1451,1911,3871,6131,7611,958

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Cholamandalam Investment and Finance, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

Cholamandalam Investment and Finance, Q2 FY2026-27: loan book ₹2.48 lakh crore, +11% since March

  • ₹2.48 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: VF (Vehicle Finance), 52% of the book
  • Every figure links to page 8 of its filing

Chapter 03 · Among its peers

4th biggest of 13 NBFCs we cover, March 2026.

At the end of FY2025-26 it held 10% of the combined loan book of the NBFCs on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1Bajaj Finance₹5.10 lakh crore
  2. 2Shriram Finance₹3.02 lakh crore
  3. 3Tata Capital₹2.77 lakh crore
  4. 4Cholamandalam Investment and Finance₹2.24 lakh crore
  5. 5Muthoot Finance₹1.63 lakh crore
  6. 6Aditya Birla Capital₹1.60 lakh crore
  7. 7Mahindra Finance₹1.34 lakh crore
  8. 8L&T Finance₹1.22 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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