Cholamandalam Financial Holdings Ltd · NSE:CHOLAHLDNG
Cholamandalam Financial — Q1 FY27 Earnings Presentation
68 slides from Cholamandalam Financial's earnings presentation, Jun 30, 2026
Slide 1: Cholamandalam Financial Holdings Corporate Presentation Q1-FY27
CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED CORPORATE PRESENTATION – Q1-FY27 1
Slide 2: Murugappa Group in a Nutshell
Murugappa Group in a Nutshell FINANCIAL AGRICULTURE ENGINEERING SERVICES Market Cap(Cr.) 59,263 12,693 22,421 58,766 1,49,977 1,52,740 NA 31,245 Turnover (Cr.) 31,480 38,534 52,063 22,221 12,418 31,073 4,840 39,073 1,898 1,380 1,678 1,116 1,199 5,233 331 5,485 PAT(Cr.) 126 Years of $10.2 Consolidate
Slide 3: Cholamandalam Financial Holdings Limited (Core Investment Company)
Cholamandalam Financial Holdings Limited (CFHL) (Core Investment Company) 43.74% 60.00% 49.50% Cholamandalam Cholamandalam MS Investment and Cholamandalam MS General Insurance Risk Services Limited Finance Company Company Limited Limited (CIFCL) (CMSRSL) (CMSGICL) • Subsidiary (as per Ind AS) • Join
Slide 4: Shareholding Pattern
Shareholding Pattern Shareholding Pattern Institutional Holders (More than 1%) as of June 30, 2026 Top Domestic Institutional Holdings CANARA ROBECO MUTUAL FUND A/C CANARA ROBECO EQUITY Others, 16.48% HDFC MUTUAL FUND - HDFC BSE 500 ETF INVESCO INDIA MIDCAP FUND NIPPON LIFE INDIA TRUSTEE LTD-A/C NIP
Slide 5: Performance Highlights - Consolidated
Performance Highlights - Consolidated Rs.in Cr. Revenue Profit after tax EPS (Rs.) Q1 FY27 11214 1789 42.92 20% 42% 39% Q1 FY26 9383 1260 30.81 Rs.in Cr. Revenue Profit after tax EPS (Rs.) YTD Mar-26 39,576 5,485 130.01 18% 16% 12% YTD Mar-25 33,460 4,740 115.76 5
Slide 6: Performance Highlights - Consolidated
Performance Highlights - Consolidated Profit After Tax (Rs.in crs) Profit After Tax (Rs. in crs) 2,000 6,000 5,485 1,789 1,800 1,656 5,220 5,000 4,740 1,600 4,259 1,400 1,260 4,000 1,138 1,200 1,000 3,000 800 2,000 600 400 3 1,000 253 484 5 128 119 12 200 - - CIFCL CMSGICL Others (3) CFHL Consol CIF
Slide 7: Financial Performance & Metrics
Financial Performance & Metrics CFHL - Standalone CIFCL Q1FY27 Q1FY26 Particulars (Rs. in Cr) Q1FY27 Q1FY26 Disbursements (Rs. in Cr) 29,612 24,325 As of As of Income 4.36 3.65 30-Jun-2026 31-Mar-2026 Expenses 0.85 0.82 Asset Under Management (Rs. in Cr) 254,392 242,630 Profit Before Tax 3.51 2.83 N
Slide 8: Regulatory Ratios of CFHL
Regulatory Ratios of CFHL Rs Crs As of As of Particulars June 30, 2026 March 31, 2026 Owned Funds (A) 1,360.66 1,361.19 Adjusted Networth (B) 30,812.80 31,949.94 Risk Weighed Assets ( C) 1,306.00 1,295.57 Outside Liabilities (D) 4.89 4.53 Net assets (E) 1,305.16 1,294.72 Investment in equity shares
Slide 9: Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment and Finance Company Limited 9
Slide 10: Disbursements
Disbursements Disbursements (₹Cr) Disbursements (%) 0.4% 2% 2% 8% 7% 7% * 1,11,642 7% 6% 9% 2,469 13% 12% 9% 12% * 1,00,869 7,363 7% 7% 7,404 10,249 9% 8% 7% * 88,725 Cconsumer Ecosystem 12,552 7,312 19% 6,362 18% 16% 15% 18% 11,281 7,763 20,459 1% 2% 1% 1% 1% 8,106 17,913 1,667 Ecosystem 13,554 MSM
Slide 11: Assets Under Management
Assets Under Management Business - Assets under Management (₹Cr) Business - Assets under Management (%) 0.1% 1% 1% 9% 10% 10% 10% 10% * 2,33,586 * 2,24,334 2,143 8% 7% 8% 7% 7% 1,804 23,644 3% 4% 22,688 4% 4% 4% * 1,92,148 15,884 * 1,84,746 15,113 97 Ecosystem Consumer 9,923 21% 9,338 19,399 22% 23%
Slide 12: Profitability and Net worth
Profitability and Net worth Profit after tax (₹Cr) Networth (₹Cr) *32,078 *30,404 171 5220 170 *24,715 *23,627 4259 168 168 *19,557 3423 168 31,908 30,234 23,459 24,547 19,388 1654 1136 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 Reserves and Surplus Equity Share Capital * Total Ne
Slide 13: Asset Ratios
Asset Ratios Net Income Margin (%) Expenses Ratio (%) 8.2% 8.0% 3.1% 3.1% 7.7% 7.8% 3.0% 3.0% 7.5% 2.9% FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 Loan Losses & Provisions (%) ROA - PBT (%) 1.8% 3.7% 1.7% 3.4% 1.5% 3.3% 3.3% 1.4% 3.1% 1.0% FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25
Slide 14: Shareholders' Returns Ratios
Shareholders’ Returns Ratios Return on equity (%) Earnings per share (₹) 21.2% 77.8 20.6% 19.8% 19.7% 61.8 54.2 18.8% 50.7 41.2 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 P/E Ratio P/BV Ratio 5.4 5.5 30.0 30.0 5.0 4.8 28.1 3.8 23.0 21.9 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY2
Slide 15: Chola – Assets Trend
Chola – Assets Trend 47.29% 50.00% 12.00% 45.50% 45.27% 45.73% 44.49% 44.10% 43.03% 43.72% 43.23% 45.00% 10.00% Stage 3 40.00% 8.00% 35.00% 6.00% 3.16% 3.35% 3.36% 3.05% 3.29% 30.00% 4.00% 2.83% 2.91% 2.81% 2.62% 1.38% 1.45% 1.44% 1.44% 1.50% 2.00% 1.19% 1.26% 1.28% 1.27% 25.00% 1.43% 1.57% 1.63% 1.
Slide 16: Business Overview
Business Overview 16
Slide 17: Vehicle Finance
VEHICLE FINANCE G Ch Financial Holdings murugappa
Slide 18: Vehicle Finance: Q1 FY27 Performance
Vehicle Finance: Q1 FY27 Performance Disbursements grew by 21% in Q1 FY27 to Rs. 16,503 Cr as Disbursements compared to Q1 FY26. Assets under AUM has grown by 19% YoY. management Loss and Loan losses improved to 2.0% in Q1 FY27 as compared to 2.2% in provisions Q1 FY26. Profit before tax PBT grew by
Slide 19: Sector outlook – Vehicle Finance business (1/2)
Sector outlook – Vehicle Finance business (1/2) ▪ The Heavy Commercial Vehicle (HCV) segment witnessed 13% growth in Q1 FY’27, recording its highest ever Q1 sales. The segment is supported by healthy freight activity, sustained infrastructure spending and continued replacement demand. ▪ The Light Co
Slide 20: Sector outlook – Vehicle Finance business (2/2)
Sector outlook – Vehicle Finance business (2/2) ▪ The used vehicle market continues to remain resilient, supported by increasing finance penetration, improved vehicle availability and transition of the industry towards organized players. ▪ The Construction Equipment segment witnessed a growth of 9%
Slide 21: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic LCV Sales Trend in Domestic SCV Sales Chol a 4 year Chola YoY growth rate 18% Chola 4 year (in Units) Chola YoY grow th rate 45% (in Units) CAGR 8% CAGR 5% CAGR @ 5% 177832 CAGR @ 2% 52160 153618 49152 130086 116779 43065 109939 42471 37428 Q1FY24 Q1FY25 Q1FY2
Slide 22: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic HCV Sales Trend in Domestic Car & MUV Sales Chola 4 year (in Units) Chola 4 year Chola YoY growth rate 43% (in Units) Chola Y oY growth rate 50% CAGR 25% CAGR 19% 1465623 CAGR @ 7% 85523 1266060 69812 998382 1026099 1006488 65203 61722 61742 Q1FY24 Q1FY25 Q1FY
Slide 23: Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q1 FY27
Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q1 FY27 Diversified across geography Disbursements - State wise Portfolio - State wise Dadra and Nagar Haveli Dadra and Nagar Haveli & & Daman and Diu Daman & Diu MP AP Karnataka MP AP 0.05% 0.04% Karnataka Maharashtra Maharashtra 5% 5% 6% 5%
Slide 24: Vehicle Finance - Disbursement/Portfolio Mix – Q1 FY27
Vehicle Finance - Disbursement/Portfolio Mix – Q1 FY27 Diversified product segments Disbursements (%) - Product wise Portfolio (%) - Product wise HCV HCV 6% 3 Wheeler 7% 3 Wheeler LCV CE 2% CE 1% 16% 5% LCV 6% 19% 2 Wheeler 2 Wheeler 8% 12% MUV 14% MUV Used Vehicles 13% 26% Used Vehicles 28% CAR 11%
Slide 25: Vehicle Finance - Disbursement Mix – Quarter-wise
Vehicle Finance - Disbursement Mix – Quarter-wise Disbursement (₹Cr) - Product wise Disbursement (%) – Product wise * 18,132 * 16,805 1,201 5% 5% 6% 7% 5% * 16,503 Yield Low 6% 6% 6% 1,014 1,694 848 7% 9% 1,232 1,051 17% 16% 16% * 13,647 * 13,539 15% 2,735 15% 670 632 2,494 2,677 Medium 782 768 11%
Slide 26: Vehicle Finance - Portfolio Mix – Quarter-wise
Vehicle Finance - Portfolio Mix – Quarter-wise Portfolio (₹Cr) - Product wise Portfolio (%) – Product wise 6% 6% 6% 6% 6% * 1,24,132 * 1,19,558 7% 7% 7% 7% 7% * 1,12,937 7,664 * 1,07,568 7,509 Low Yield * 1,04,720 6,982 9,038 8,732 19% 19% 19% 18% 19% 6,600 7,746 6,571 7,172 22,991 7,058 22,113 21,1
Slide 27: Vehicle Finance - Disbursements and Asset Under Management
Vehicle Finance - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under management (₹Cr) *1,24,132 *1,19,558 1 62,123 1 *1,01,257 *1,04,720 53,922 *84,498 9 6 42 48,348 1,19,557 1,24,132 1,01,248 1,04,714 84,456 16,503 13,647 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26
Slide 28: Vehicle Finance - Income and Profit before tax
Vehicle Finance - Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 16,511 3,145 14,108 2,824 2,532 11,274 4,597 945 3,848 628 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 38
Slide 29: Loan Against Property
Loan Against Property axe murugappa
Slide 30: Loan Against Property – Q1 FY27 Performance
Loan Against Property – Q1 FY27 Performance Disbursements grew by 2% in Q1 FY27 to Rs. 4,780 Cr as compared to Q1 Disbursements FY26. Asset under AUM has grown by 23% YoY. management Loss and Loan losses at 0.4% in Q1 FY27 as compared to 0.3% in Q1 FY26. provisions Profit before tax PBT grew by 39%
Slide 31: Sector outlook: Loan Against Property
Sector outlook: Loan Against Property • The NBFC-Retail sector to continue to grow at a healthy 16-18% in FY2027, though moderating from the previous year. • The LAP segment would continue to grow at a faster pace of 19-21% YoY in FY2027 though moderating from earlier years. • Credit costs in the se
Slide 32: Loan Against Property - Disbursements and Asset Under Management
Loan Against Property - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) 20,459 * 52,295 * 54,130 6,487 7,774 17,913 * 43,943 * 41,439 2,512 4,226 13,554 * 29,859 823 45,808 46,355 38,927 39,717 29,036 4,705 4,780 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY2
Slide 33: Loan Against Property – Income and Profit before tax
Loan Against Property – Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 6,083 1,818 4,543 1,266 3,208 973 1,758 565 1,382 405 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 53
Slide 34: Home Loans
Home Loans
Slide 35: Home Loans – Q1 FY27 Performance
Home Loans – Q1 FY27 Performance Disbursements grew by 2% at Rs. 1,797 Cr in Q1 FY27 as compared Disbursements to Q1 FY26. Asset under AUM has grown by 22% YoY. management Loss and Loan losses remained at 0.6% in Q1 FY27 as compared to Q1 FY26. provisions Profit before tax PBT grew by 48% to Rs. 270
Slide 36: Sector outlook: Home loans
Sector outlook: Home loans • ICRA expects AUM of AHFCs to rise by 19% -21% in FY26 and FY27 supported by Government’s thrust on “housing for all’ • Overall cost of funds could be impacted by external factors like inflationary pressures and shall remain monitorable • Profitability indictors were supp
Slide 37: Home Loans - Disbursements and Asset Under Management
Home Loans - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) 7,404 *22,688 *23,644 7,363 228 240 6,362 *18,427 *19,399 281 296 *13,404 356 22,448 23,416 18,131 19,117 13,048 1,764 1,797 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 On Book A
Slide 38: Home Loans - Income and Profit before tax
Home Loans - Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 3,274 865 709 2,548 1,756 489 270 917 729 182 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 69
Slide 39: Funding Profile
Funding Profile eer ae ‘Ki aa RTP HL —_— 2
Slide 40: Diversified Borrowings Profile (I/II)
Diversified Borrowings Profile (I/I) Borrowing mix by instrument type ₹ Cr * 1,81,304 * 1,87,515 * 1,97,810 * 2,10,867 * 2,20,247 2% 1% 2% 1% 1% 2% 0.3% 2% 0.3% 2% 3% 5% 6% 5% 5% 3% 2% 2% 1% 3% 14% 15% 16% 15% 15% 7% 7% 7% 7% 7% 7% 6% 7% 6% 7% 12% 11% 11% 14% 12% 44% 43% 43% 42% 43% 7% 6% 6% 6% 7% Q
Slide 41: Diversified Borrowings Profile (II/II)
Diversified Borrowings Profile (II/II) Borrowing mix by investor type ₹ Cr * 1,81,304 * 1,87,515 * 1,97,810 * 2,10,867 * 2,20,247 7% 6% 6% 7% 7% 14% 16% 15% 15% 15% 0.2%2% 0.3% 3% 0.2% 2% 0.5% 2% 0.2% 3% 7% 7% 7% 7% 7% 52% 51% 52% 52% 51% 0.7% 0.7% 0.6% 0.6% 0.5% 7% 6% 6% 7% 7% 6% 7% 8% 6% 8% 3% 3%
Slide 42: ALM Statement as of 30th Jun 2026 (As per IND AS)
ALM Statement as of 30th Jun 2026 (As per IND AS) ₹ Cr Particulars 1m >1 to 2m >2 to 3m >3 to 6m >6m to 1 yr >1 to 3 yr >3 to 5 yr >5 yr Total Cash & Bank Balances 6,220.44 1,025.87 5,010.18 1,328.32 1,899.58 5,206.70 2,074.12 - 22,765.21 Advances 7,304.98 6,449.65 5,946.78 21,379.64 36,715.92 87,59
Slide 43: CAR and Credit Rating
CAR and Credit Rating Capital Adequacy Ratio (CAR) – As per RBI guideline Tier I Tier II 18.57 19.75 19.21 19.81 17.13 2.35 3.47 5.34 4.48 5.00 14.78 15.10 14.41 14.73 14.81 FY23 FY24 FY25 FY26 Q1FY27 Minimum CAR Stipulated by RBI is 15% & for Tier I is 10% Loan type India ratings Care ICRA Crisil S
Slide 44: Consolidated Financials
Consolidated Financials 44
Slide 45: Consolidated Profit & Loss
Consolidated Profit & Loss ₹ Cr Growth % Particulars Q1FY26 Q1FY27 FY26 Q1-o-Q1 Income 7,353 8,957 22% 31,539 Expenses 5,822 6,735 16% 24,566 PBT 1,531 2,222 45% 6,973 PAT 1,138 1,656 46% 5,233 Note: Above financials includes Chola Sec, Chola Home Finance, Paytail and Payswiff. 80
Slide 46: Cholamandalam MS General Insurance Company Limited
Cholamandalam MS General Insurance Company Limited (All numbers are as per IGAAP) 46
Slide 47: Table of Contents
Table of Contents #1 Overview of the Company #2 Financial Summary #3 Distribution & Product Strategy 47
Slide 48: Chola MS General Insurance: Brief Overview
Chola MS General Insurance: Brief Overview Murugappa Group Mitsui Sumitomo Insurance, Japan ◼ Murugappa Group - India's leading business ◼ Mitsui Sumitomo Insurance - part of MS&AD – one of conglomerate the largest insurance group in the world. ◼ Founded in 1900, Headquartered in Chennai, the INR 90
Slide 49: Financial Summary
#2 Financial Summary &} Chola ae murugappa Financial Holdings 49 SAPP:
Slide 50: Key Financial Parameters (Rs. Crs)
Key Financial Parameters (Rs. Crs) Particulars – In Rs. Cr FY’25 FY’26 Q1 FY’26 Q1 FY’27 Gross Written Premium# 8,328 8,904 1,997 2,131 GDPI 8,124 7,762 1,812 1,860 NWP 6,046 6,648 1,425 1,426 NEP 5,806 6,604 1,521 1,671 U/W Results -661 -1,004 -188 -252 Investment income (Net) 1,307 1,448 343 380 P
Slide 51: Financial Performance (Rs. Crs)
Financial Performance (Rs. Crs) Excluding 1/n impact With 1/n impact Particulars (In Rs. Crs) Q1 FY 26 Q1 FY27 Q1 FY 26 Q1 FY27 GWP 2,099 2,196 1,997 2,131 GWP growth 7.9% 4.60% 2.7% 6.70% PAT 132 111 107 86 PAT Growth -1.8% -15.9% -20.1% -19.7% RONW (not annualised) 4.1% 3.1% 3.4% 2.6% COR 111.5% 1
Slide 52: Among the Top ranked GI Players
Among the Top ranked GI Players Rs In Crs GWP growth in last 5 years Q1 FY’2027 (CAGR FY2022 - FY 2026 = 16.4%) 8328 8904 2.46% 7598 Market share 6200 4854 1997 2126 4.84% Market share in FY'22 FY'23 FY'24 FY'25 FY'26 Q1 FY'26 Q1 FY'27 Motor Insurance Growth vis-à-vis peers / industry Stronger growt
Slide 53: LOB Wise – GDPI Growth Trends of Multi-line Insurers
LOB Wise – GDPI Growth Trends of Multi-line Insurers LOB Wise - Growth trends – Q1 FY’27 Other Comml Particulars Fire Motor Health PA Others Total Lines Industry -27.8% 20.5% 13.9% 15.3% 46.1% -11.2% 8.3% Private sector -29.8% 21.3% 16.6% 33.2% 24.0% -16.0% 11.3% Public sector -24.0% 18.8% 7.4% -0.1
Slide 54: Key Financial Indicators
Key Financial Indicators GWP (INR Cr) and Growth (%) Return on Net Worth – Not Annualized (%) Includes RI Inwards 251 410 100 00 900 0 12. 0% 18.5% 10. 0% 8904 800 0 700 0 9.6% 8.0 % 6.7% 600 0 500 0 6.0 % 400 0 6.9% 102 10.4% 95 4.0 % 8328 300 0 200 0 2.7% 2.0 % 100 0 0 1997 2131 0.0 % FY 25 FY 26
Slide 55: Capital efficiency - No Capital Infusion in last 13 years
Capital efficiency - No Capital Infusion in last 13 years Rs In Crs Net Worth 2,999 3,329 3,106 3,415 2,557 2,887 2,664 2,973 442 442 442 442 FY 25 FY 26 Q1 FY'26 Q1 FY'27 Capital Invested Reserves • Accumulated profits @ 87.1% of Net worth (Rs.3,415 Crs) as on Q1 FY’27. • Total Capital infused is R
Slide 56: Loss Ratio (%)
Loss Ratio (%) Line of Business FY25 FY’26 Q1 FY’26 Q1 FY’27 Motor OD 73.6% 84.1% 80.4% 86.3% Motor TP 72.2% 78.4% 80.4% 84.4% Motor Total 72.6% 80.3% 80.4% 85.1% Health, Travel & PA 73.0% 88.0% 81.8% 90.4% Commercial 75.6% 65.2% 111.3% 83.9% Total 73.3% 81.2% 81.0% 85.6% • Motor OD loss ratios have
Slide 57: Investment Book Overview (Rs In Crs)
Investment Book Overview (Rs In Crs) Category Mar-25 Mar-26 Jun-25 Jun-26 Govt Securities 7,871 6,540 7,591 7,338 PSU / Corporate Bonds 8,779 10,828 9,243 9,657 Equity 1,001 1,326 1,007 1,496 Others 600 550 300 489 Grand Total 18,251 19,048 18,141 18,980 Yield with profit on sale 7.5% 7.7% 7.0% 7.2%
Slide 58: Distribution & Product Strategy
#3 Distribution & Product Strategy 58
Slide 59: Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream
Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream Channel wise Mix% 1% 1% 1% 1% 22% 20% 17% 19% 6% 6% 7% 12% 14% 15% 16% 12% 11% 10% 11% 9% 42% 49% 51% 48% FY'25 FY'26 Q1 FY'26 Q1 FY'27 Brokers Banks Other Corporate Agents Direct Business Agents & POSPs Others \ Bancassuran
Slide 60: Retail Focused Diversified Operations
Retail Focused Diversified Operations Retail dominated business mix Conscious reduction of volumes in TW, impacts NOP No. of policies issued (in Lacs) 137 130 Commercial 121 113 33.7% Retail 66.3% 26 16 FY'23 FY'24 FY'25 FY'26 Q1 FY'26 Q1 FY'27 Retail oriented policies over years Geographic Presence
Slide 61: Continuous Effort to Broad Base the Product Mix
Continuous Effort to Broad Base the Product Mix 1% 1% 1% 8% 12% 16% 17% 11% 15% Crop & Others 14% 16% 14% Commercial 40% 38% Health, Travel & PA 38% 35% Motor TP Motor OD 29% 33% 31% 31% FY'25 FY'26 Q1 FY'26 Q1 FY'27 • Commercial mix and Group health mix have increased • Advance Premium on Long Term
Slide 62: Product Portfolio: Motor
Product Portfolio: Motor Motor Market Share (Largest GI Segment) Strategized diversification across Motor eco-system GI Market Share by GWP 75.6% 75.1% 72.6% 80.3% 85.1% 44.6% 43.8% 42.8% 40.1% 42.5% 5.3% 5.4% 5.5% 5.3% 4.8% 35.9% 39.5% 42.3% 49.3% 48.0% 19.6% 16.7% 14.9% 10.6% 9.5% FY'23 FY'24 FY'2
Slide 63: Product Portfolio: Commercial Lines and Others
Product Portfolio: Commercial Lines and Others Particulars - Growth over Q1 FY'25 FY'26 Growth over FY'25 Q1 FY'26 Q1 FY'27 GDPI (Rs. in Crs) FY'26 Fire 662 672 2% 223 189 -15% Marine 146 170 17% 49 94 90% Engineering 45 41 -8% 12 14 18% Liability 26 238 800% 10 12 20% Crop & Others 662 47 -93% 12 1
Slide 64: Product Portfolio: Health, PA and Travel
Product Portfolio: Health, PA and Travel Particulars - Growth over Q1 FY'25 FY'26 Growth over FY'25 Q1 FY'26 Q1 FY'27 GDPI (Rs. in Crs) FY'26 Health Retail 520 370 -29% 86 70 -19% Health Group 363 517 42% 163 121 -26% Health Govt 6 0 -100% 0 0 - Travel 1 1 -30% 0 0 32% PA 266 238 -11% 47 72 52% Tota
Slide 65: Overall Technology posture
Overall Technology posture | Strengthened thru several new capabilities online in FY27 Chola Website Partner Integration Chola MS Customer App • Website available in 3 languages • Integrated self-service platform for • 140+ strategic partner integrations supporting diverse customer base policy purch
Slide 66: Technology transformation complete across Motor LoB
Technology transformation complete across Motor LoB, enhancing capability range across key business process layers Capability Layer Technology Programs Completed Customer Support & Customer Acquisition Claims Servicing Retention Bancs Private Cars Core PAS Transformation Bancs All Motor Interface le
Slide 67: Centralized Data Platform Operational
Centralized Data Platform Operational | Foundational capability to power application and analytical models established Platform with 18 years data ingested to act as single source of data Digital Sales Apps Technical Reports Analytics Models Analytics COE 140 Reports delivered thru Qlik as the visua
Slide 68: Thank You
Thank You <$ Chola 2% Financial Holdings murugappa
Cholamandalam Financial Holdings — Q1 FY27 Earnings Presentation on 6ix