Date: July 22, 2026

Business Operations

Products/Services (90% of turnover):

  • Lending business (77.97%): Vehicle Financing, Loan Against Property, Home Loans, Secured Business and Personal Loans, SME Loans, Consumer and Small Enterprises Loans, Gold Loans
  • General Insurance business (21.67%): Motor, Health & Accident, Fire & Engineering, Crop, Accident, and Marine Insurance

Geographical Presence:

  • National operations: 1,909 offices across India
  • International operations: Nil
  • Lending Business: 26 States & 7 Union Territories
  • Insurance Business: 23 States & 5 Union Territories
  • Export contribution: Nil (services offered only to Indian market)

Employee Data (as on March 31, 2026)

Total Workforce: 53,514 employees

  • Permanent employees: 53,503 (96% male, 4% female)
  • Other than permanent: 11 employees (91% male, 9% female)
  • Differently abled employees: 28 (96% male, 4% female)
  • Total workers: Nil

Gender Representation:

  • Board of Directors: 6 total, 1 female (16.7%)
  • Key Management Personnel: 2 total, 1 female (50%)

Turnover Rates (FY26):

  • Permanent employees: 29% male, 24% female, 29% total

Employee Benefits Coverage:

  • Health Insurance: 100% of employees
  • Accident Insurance: 66% of employees (35,346 employees)
  • Maternity Benefits: 3% of employees (1,719 employees, all female)
  • Paternity Benefits: 67% of employees (35,886 employees, all male)
  • Day Care facilities: 3% of employees (1,389 employees)

Training and Development:

  • Board of Directors: 4 programs, 100% coverage
  • Key Managerial Personnel: 4 programs, 100% coverage
  • Other employees: 277 programs, 82% coverage
  • Health and Safety training: 50% of employees (26,605 employees)
  • Skill Upgradation: 82% of employees (43,635 employees)

Subsidiary/Associate Companies

  • Cholamandalam Investment and Finance Company Limited: Associate (43.76% holding)
  • Cholamandalam MS General Insurance Company Limited: Subsidiary (60.00% holding)
  • Cholamandalam MS Risk Services Limited: Joint Venture (49.50% holding)

Financial Metrics

  • Consolidated Turnover: ₹39,576 Crore
  • Consolidated Net worth: ₹33,880 Crore
  • CSR applicable: Yes (as per section 135 of Companies Act, 2013)
  • Spending on employee wellbeing: 0.39% of total revenue (FY26)

Material Business Risks and Opportunities

Risks (4 identified):

1. Regulatory Compliance (Negative implication)

2. Data Privacy and Cybersecurity (Negative implication)

3. Climate Change (Negative implication)

Opportunities (11 identified):

1. Financial Inclusion (Positive implication)

2. Employee Well-Being (Positive implication)

3. Technology (Positive implication)

4. Corporate Governance (Positive implication)

5. Customer Support and Satisfaction (Positive implication)

6. Branding and Reputation (Positive implication)

7. Diversity and Inclusiveness (Positive implication)

8. CSR (Positive implication)

9. Risk Management (Positive implication)

10. Human Rights (Positive implication)

Environmental Performance

Energy Consumption (FY26):

  • Total energy consumed: 138,783 Giga Joules
  • From renewable sources: 1,138 Giga Joules
  • From non-renewable sources: 137,645 Giga Joules
  • Energy intensity per rupee of turnover: 0.00000035 Giga Joules/Rupees

Greenhouse Gas Emissions (FY26):

  • Scope 1 emissions: 449 Metric tonnes of CO2 equivalent
  • Scope 2 emissions: 18,432 Metric tonnes of CO2 equivalent
  • Total emission intensity: 0.000000048 Metric tonnes of CO2 equivalent/Rupees

Water Management (FY26):

  • Total water withdrawal: 713,638 kilolitres
  • Total water consumption: 713,638 kilolitres
  • Water intensity: 0.0000018 kilolitres/Rupees
  • Water discharge: Nil (managed by property owners)

Waste Management (FY26):

  • E-waste generated: 10.44 metric tonnes
  • Other non-hazardous waste: 266.44 metric tonnes
  • Waste recovered: 138.34 metric tonnes (recycling and other recovery)
  • Waste disposed: 128.10 metric tonnes (landfilling and other disposal)

CSR Initiatives

CSR projects implemented in 6 aspirational districts:

  • Andhra Pradesh (Visakhapatnam): ₹0.16 Crores
  • Bihar (Aurangabad): ₹0.61 Crores
  • Odisha (Nabrangpur): ₹0.45 Crores
  • Rajasthan (Sirohi): ₹0.45 Crores
  • Tamil Nadu (Ramanathapuram): ₹0.09 Crores
  • Tamil Nadu (Virudhunagar): ₹0.09 Crores

Total 120 CSR projects covering health, education, sports, rural development, environment, and sustainability.

Compliance and Governance

  • No fines/penalties paid in proceedings with regulators/law enforcement agencies
  • No disciplinary actions against Directors/KMPs/employees for bribery/corruption
  • No complaints regarding conflict of interest
  • Anti-corruption policy in place
  • Whistle-blower policy implemented

Independent Assessment

  • Assessment provider: B Thiagarajan & Co., Chartered Accountants
  • Type of assessment: Reasonable Assessment
  • Assessment period: April 1, 2025 to March 31, 2026
  • Conclusion: BRSR Core disclosures are in alignment with SEBI BRSR Core framework and ISF Industry Standards