Cholamandalam Investment and Finance Company Ltd (CIFCL) reported a strong set of Q4 FY25 numbers while also announcing its entry into the gold loan business in select regions. This strategic expansion aims to diversify its secured lending portfolio and capture market share in one of India’s fastest-growing retail credit segments.
The company posted a Profit After Tax (PAT) of ₹1,267 crore for the quarter ended March 31, 2025, a rise of 20% YoY, compared to ₹1,058 crore in Q4 FY24. Its Net Income stood at ₹3,758 crore, up 29% YoY. Revenue from operations rose to ₹7,025 crore from ₹5,388 crore, registering a 30% increase YoY.
Chola’s Total Assets Under Management (AUM) stood at ₹1,99,876 crore, up 30% YoY, surpassing its guidance of 25% growth. The company’s disbursements for the quarter were ₹26,417 crore, up 7% YoY.
The Board also recommended a final dividend of ₹0.70 per share, in addition to the ₹1.30 interim dividend declared in January 2025.
FAQs:
Q1: What was Chola’s total revenue for Q4 FY25?
A: ₹7,025.05 crore, up from ₹5,388.01 crore YoY.
Q2: How much did Chola’s PAT grow YoY?
A: PAT grew 20% YoY to ₹1,267 crore from ₹1,058 crore.
Q3: What is the AUM of the company?
A: ₹1,99,876 crore, a 30% YoY increase.
Q4: What is the new business launched by Chola?
A: Gold Loan business in select geographies.
Q5: What is the declared dividend for FY25?
A: Final dividend of ₹0.70 per share (35%) and interim dividend of ₹1.30 per share (65%).
Q6: What was the disbursement figure in Q4 FY25?
A: ₹26,417 crore, up 7% YoY.
Q7: What was Chola’s Net Income growth in FY25?
A: ₹13,570 crore, up 36% YoY.
Q8: What are the Gross NPA and Net NPA figures?
A: Gross NPA at 3.97%, NNPA at 2.63% as of March 2025.
Q9: What is the Capital Adequacy Ratio (CAR)?
A: 19.75%, well above the regulatory requirement of 15%.
