Cholamandalam Investment and Finance Company Limited — Q2FY27 earnings call summary

Filed 04 November 2026 · Official transcript

Q3 vehicle finance growth expected 20-22% y-y; strong festive season demand
Multiple analyst queries on drought impact and capital raise timing; mgmt confident on asset quality and growth guidance
Consumer loans disbursements +103% y-y; AUM INR45,902 Cr (+32%)
Credit cost down 37 bps; ROE improved to 19.4% from 18.1%
NIMs stable; cost of funds may rise 15-20 bps full year; repricing planned in some segments
Opex ratio stable at 3.0-3.1%; efficiency gains offset new business costs
Aggregate disbursements grew 47% y-y to INR35,872 Cr; AUM up 25% y-y to INR2,68,009 Cr
Vehicle finance disbursements +31% y-y; AUM INR1,29,787 Cr (+21%)