Chola H1 FY27: AUM up 25% to ₹2,68,009 Cr, PAT up 43% to ₹3,284 Cr
H1 FY27 PAT up 43% to ₹3,284 Cr; AUM up 25% to ₹2,68,009 Cr; Q2 disbursements up 47%.
By ScoutQuest · · 1 min read
- H1 FY27 PAT
- ₹3,284 Cr, up 43%
- AUM
- ₹2,68,009 Cr, up 25%
- Gross Stage 3
- 3.25% in Sep-26 with 45.32% provision coverage
- Period
- Q2 FY27 (quarter ended Sep 2026)
- Positioning
- A Murugappa group diversified NBFC with AUM above ₹2.68 lakh Cr across vehicle finance, LAP, home loans, SME and gold loans, through a 2647-strong branch and RLH network.
📈 H1 FY27 PAT was ₹3,284 Cr, up 43%, on net income of ₹9,967 Cr (up 26%). Disbursements rose 34% to ₹65,484 Cr and AUM rose 25% to ₹2,68,009 Cr. Q2 FY27 PAT was ₹1,630 Cr, up 41%, and ROA-PAT for H1 was 2.6%.
📌 Asset quality was broadly stable. Gross Stage 3 stood at 3.25% in Sep-26 with 45.32% provision coverage. The company reports GNPA and NNPA under revised RBI norms at 4.44% and 2.92%.
🏭 In vehicle finance, the company says it will pursue calibrated portfolio expansion, prioritising productive asset financing and disciplined credit standards. It also says it will keep its emphasis on asset quality and risk-adjusted returns.
🏭 In LAP, management states it continues to gain market share by expanding in smaller towns and rural markets while keeping a strong Tier 1 and Tier 2 presence. The presentation notes borrower cash flow stress linked to US tariffs and the West Asia conflict.
Also from Cholamandalam Investment and Finance Company
Cholamandalam uploads audio recording of 28 October 2026 earnings call for Q2 FY2026
28 Oct 2026
Board approves QIP of up to Rs. 5,000 crores along with audited Q2 and H1 results
28 Oct 2026
Consolidated results for the quarter ended 30.09.2026 Audited (Refer note 7)
28 Oct 2026
More numbers
- PAT, H1 FY273,284 (₹ Cr)
- PAT growth, H1-o-H143%
- AUM, Q2 FY272,68,009 (₹ Cr)
- Disbursements, H1 FY2765,484 (₹ Cr)
- Net income, H1 FY279,967 (₹ Cr)
- PAT, Q2 FY271,630 (₹ Cr)
- ROA-PAT, H1 FY272.6%
- Gross Stage 3, Sep-263.25%
- GNPA per revised RBI norms, Sep264.44%
- PAT, FY265,220 (₹ Cr)
- Return on equity, FY2619.7
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