Consolidated Financial Performance

  • Total Income: ₹11,388 crore for Q2 FY27, representing 19% growth compared to ₹9,589 crore in Q2 FY26
  • Profit After Tax (PAT): ₹1,520 crore for Q2 FY27, representing 25% growth compared to ₹1,214 crore in Q2 FY26

Subsidiary Performance: Cholamandalam Investment & Finance Company Ltd (CIFCL)

  • Company Stake: CFHL holds 43.48% stake in CIFCL
  • Disbursements: ₹35,872 crore in Q2 FY27, representing 47% growth compared to ₹24,442 crore in Q2 FY26
  • PAT: ₹1,630 crore for Q2 FY27, representing 41% growth compared to ₹1,155 crore in Q2 FY26
  • Assets Under Management: ₹2,68,009 crore as of September 30, 2026, representing 23% growth compared to ₹2,14,906 crore as of September 30, 2025

Subsidiary Performance: Cholamandalam MS General Insurance Company Ltd (CMSGICL)

  • Company Stake: CFHL holds 60% stake in CMSGICL
  • Gross Written Premium (H1 FY27): ₹4,618 crore, representing 6% growth compared to ₹4,351 crore in H1 FY26
  • Gross Written Premium (Q2 FY27): ₹2,429 crore, representing 7% growth compared to ₹2,278 crore in Q2 FY26
  • PAT (H1 FY27): ₹8 crore, significantly lower than ₹165 crore in H1 FY26
  • PAT (Q2 FY27): Loss of ₹120 crore, compared to profit of ₹46 crore in Q2 FY26
  • Profit Decline Reason: Due to NATCAT events in H1 FY27 and elevated claim experience in Motor OD segment
  • Investment Book: ₹18,937 crore as of September 30, 2026

Joint Venture Performance: Cholamandalam MS Risk Services Ltd

  • Company Stake: CFHL holds 49.5% stake
  • Total Income (Q2 FY27): ₹26.32 crore, compared to ₹22.89 crore in Q2 FY26
  • PAT (Q2 FY27): ₹0.85 crore, compared to ₹1.45 crore in Q2 FY26

Standalone Financial Performance

  • Total Income: ₹31 crore for Q2 FY27, compared to ₹30.07 crore in Q2 FY26
  • PAT: ₹27.89 crore for Q2 FY27, compared to ₹27.16 crore in Q2 FY26

Corporate Background

The document mentions that Cholamandalam Financial Holdings Limited is part of the Murugappa Group, a 126-year-old conglomerate with diverse businesses in agriculture, engineering, and financial services. The Group has 10 listed companies and a workforce of 1,06,224 employees.