Cholamandalam Investment and Finance delivers strong Q4; PAT up 25%, recommends final dividend

Cholamandalam Investment and Finance Company Ltd, the financial services arm of the Murugappa Group, posted a consolidated profit after tax (PAT) of Rs 1,259.54 crore for the January–March 2025 quarter, marking an 18% increase from Rs 1,065.23 crore in the same period last year.
For the full financial year ending March 31, 2025, PAT rose to Rs 4,262.70 crore, up from Rs 3,420.06 crore in the previous year.
Consolidated total income for Q4 surged to Rs 7,136.91 crore, compared to Rs 5,499.16 crore in the year-ago quarter. For the full year, income climbed to Rs 26,152.76 crore from Rs 19,419.87 crore — a growth of 35%.
Disbursements during the fourth quarter grew 7% to Rs 26,417 crore, up from Rs 24,784 crore last year. Annual disbursements crossed the Rs 1 lakh crore milestone, reaching Rs 1,00,869 crore, reflecting a 14% year-on-year growth.
The company’s Assets Under Management (AUM) as of March 31, 2025, stood at Rs 1,99,876 crore, a 30% rise from Rs 1,53,718 crore the previous year.
Cholamandalam maintained a strong capital position, with a Capital Adequacy Ratio (CAR) of 19.75%, well above the regulatory minimum of 15%. Tier-I capital was at 14.41% and Tier-II at 5.34%, while the Common Equity Tier-I (CET-I) ratio stood at 13.68%, exceeding the 9% regulatory requirement.
The Board of Directors, in its meeting on April 25, recommended a final dividend of Rs 0.70 per share (35%), in addition to the interim dividend of Rs 1.30 per share (65%) declared on January 31, 2025.