Cholamandalam Financial Holdings Ltd · NSE:CHOLAHLDNG
Cholamandalam Financial — Investor Presentation (June 2025)
65 slides from Cholamandalam Financial's investor presentation, Jun 30, 2025
Slide 1: Corporate Presentation – Q1-FY26
CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED CORPORATE PRESENTATION – Q1-FY26 1
Slide 2: Murugappa Group in a Nutshell
Murugappa Group in a Nutshell FINANCIAL AGRICULTURE ENGINEERING SERVICES Market Cap(Cr.) 73,786 19,726 18,409 60,167 1,04,137 1,36,881 NA 40,670 Turnover (Cr.) 22,058 29,413 4,628 7,144 7761 19,140 6970 86 1,642 1,618 461 735 1004 3,420 441 62 PAT(Cr.) Years of $9.3 Consolidated 124 Years Existence
Slide 3: Cholamandalam Financial Holdings Limited (CFHL) structure
&S Chola Financial Holdings Cholamandalam Financial Holdings Limited (CFHL) Cholamandalam Investment and Finance Company Limited (CIFC! Subsidiary (as per Ind AS) Associate (as per Companies Act) Listed Company Leading NBFC - Vehicle Finance, Loan against Property, Home Loans and other Secured/Unsec
Slide 4: Shareholding Pattern
Shareholding Pattern Institutional Holders (More than 1%) Top Domestic Institutional Holdings * Aditya Birla Mutual Fund * HDFC Mutual Fund * Nippon India Mutual Fund * SBI Mutual Fund * Axis Mutual Fund * Bandhan Mutual Fund * Canara Robeco Mutual Fund Top Foreign Institutional Holdings First Senti
Slide 5: Performance Highlights - Consolidated
Performance Highlights - Consolidated Rs.in Cr. Revenue Profit after tax EPS (Rs.) Q1 FY26 9,383 1,260 30.81 22% 9% 6% Q1 FY25 7,677 1,160 29.20 Rs.in Cr. Revenue Profit after tax EPS (Rs.) YTD Mar-25 33,460 4,740 115.76 28% 23% 23% YTD Mar-24 26,087 3,851 94.39 5
Slide 6: Performance Highlights - Consolidated
Performance Highlights - Consolidated 6
Slide 7: Financial Performance & Metrics
Financial Performance & Metrics CFHL - Standalone CIFCL Q1 FY26 Q1 FY25 Particulars (Rs. in Cr) Q1 FY26 Q1 FY25 Disbursements (Rs. in Cr) 24,325 24,332 As of As of 30-Jun-2025 30-Jun-2024 Income 3.65 2.58 Asset Under Management (Rs. in Cr) 1,92,148 1,68,832 Expenses 0.82 0.72 No.of Branches 1,703 1,
Slide 8: Regulatory Ratios of CFHL
Regulatory Ratios of CFHL Rs Crs As of As of Particulars June 30, 2025 March 31, 2025 Owned Funds (A) 1,334.67 1,336.20 Adjusted Networth (B) 28,058.76 25,840.63 Risk Weighed Assets ( C) 1,293.71 1,292.60 Outside Liabilities (D) 4.06 4.13 Net assets (E) 1,291.01 1,290.82 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 (%) * 1,00,869 0.4% 1,316 1% 1% 1% 1% 2% * 88,725 9% 9% 8% 9% 7% 7,763 1,074 9% 10% 13% 12% 14% 8,106 12,552 6% 7% 8% 7% * 66,532 11,281 7,404 7% 451 14% 19% 6,388 6,362 15% 18% 16% 17,913 6,865 3,830 13,554 9,299 0% * 24,332 * 24,325 60% 54% 56% 54% 5
Slide 11: Assets Under Management
Assets Under Management Business - Assets under Management (₹Cr) Business - Assets under Management (%) 0% 1% 1% 1% 1% 1% * 1,92,148 3% 3% 4% 4% 4% * 1,84,746 97 5% 2,671 8% 8% 8% 7% 2,422 - 7,119 8% 6,628 9% 10% 9% 10% * 1,55,442 14,199 * 1,45,572 14,573 1,618 19,399 - 5,576 20% 1,404 - 18,427 21%
Slide 12: Profitability and Net worth
Profitability and Net worth Profit after tax (₹Cr) Networth (₹Cr) *24,715 4,259 *23,627 168 168 *20,525 *19,557 168 3423 168 2666 *14,296 164 23,459 24,547 19,388 20,357 14,132 1,136 942 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1 FY26 *Total net worth 12
Slide 13: Chola – Stage 3 Assets Trend
Chola –Stage 3 Assets Trend As per revised RBI norms GNPA% & NNPA% as of Jun25 is at 4.29% and 2.86%, respectively. 13
Slide 14: Vehicle Finance
Vehicle Finance Primary Colours 14
Slide 15: Vehicle Finance: Q1 FY26 Performance
Vehicle Finance: Q1 FY26 Performance • Disbursements grew by 7% in Q1 FY26 to Rs. 13,647 Cr as Disbursements compared to Rs. 12,766 in Q1 FY25. Assets under • AUM has grown by 18% YoY. management Loss and • Loan losses at 2.2% in Q1FY26 as compared to 1.9% in Q1 FY25. provisions • PBT grew by 1% in
Slide 16: Sector outlook – Vehicle Finance business (1/3)
Sector outlook – Vehicle Finance business (1/3) Sector Outlook Chola’s Position • The Heavy Commercial Vehicle (HCV) segment recorded a 6% ▪ We will closely track developments in this segment, de-growth in Q1 FY26, reflecting prevailing challenges in the aligning with industry trends, while sustaini
Slide 17: Sector outlook – Vehicle Finance business (2/3)
Sector outlook – Vehicle Finance business (2/3) Sector Outlook Chola’s Position ▪ The Passenger Vehicle (Car&MUV) segment recorded a de-growth of 1% ▪ We will continue to focus on retail volumes and attention to in Q1 FY’26, primarily due to a high base effect from the previous year. the growth driv
Slide 18: Sector outlook – Vehicle Finance business (3/3)
Sector outlook – Vehicle Finance business (3/3) Sector Outlook Chola’s Position ▪ The Construction Equipment segment recorded a de-growth of 5% ▪ Our exposure in this segment is approximately 6% at in Q1 FY’26, primarily due to the high base effect from the the portfolio level, and we will continue
Slide 19: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic LCV Sales Trend in Domestic SCV Sales Chola 4 year Chola YoY growth rate 3% (in Units) Chola YoY growth rate (1%) CAGR 7% Chola 4 year (in Units) 142479 CAGR (11%) CAGR @ 52705 123079 5% 116779 110108 109939 43065 43328 CAGR @ 42471 5% 37428 Q1 FY23 Q1 FY24 Q1
Slide 20: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic HCV Sales Trend in Domestic Car & MUV Sales Chola 4 year Chola YoY growth rate 9% (in Units) Chola YoY growth rate 2% CAGR 8% (in Units) 75245 Chola 4 year CAGR 13% CAGR @ 7% 1172766 998382 1026099 1013079 CAGR 65203 911096 @ 5% 61074 61722 61422 Q1 FY23 Q1 FY
Slide 21: Vehicle Finance—Business Model & Positioning
Vehicle Finance—Business Model & Positioning CV PV Low Industry Low Low Industry Low Chola Position Chola Position Principal Operator Salaried > 50 Vehicles Large Operators 26- 50 vehicles HCV Self Employed with Return Return Financials RISK RISK s s Medium Operators 10 -25 – HCV & LCV vehicles Taxi
Slide 22: Vehicle Finance—Business Model & Positioning
Vehicle Finance—Business Model & Positioning Tractor CE Low Low Industry Low Industry Low Chola Position Super Strategic Chola Position Large Farmer Strategic Customer Captive Users / Prior Vehicles Captive Users/Prior Vehicles Returns Returns Medium Retail operator RISK RISK Medium Farmers Small Re
Slide 23: Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q1FY26
Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q1FY26 Well diversified across geography Disbursements - State wise Portfolio - State wise Dadra and Nagar Haveli & Daman and Diu MP AP MP AP Karnataka 0.04% Karnataka 0.05% Maharashtra Maharashtra 5% 5% 7% 5% 5% 6% Kerala Kerala 10% 4% 11% 5%
Slide 24: Vehicle Finance - Disbursement/Portfolio Mix – Q1FY26
Vehicle Finance - Disbursement/Portfolio Mix – Q1FY26 Well diversified product segments` Disbursements (%) - Product wise Portfolio (%) - Product wise` HCV HCV 7% 3 Wheeler 6% 3 Wheeler CE 1% LCV 1% LCV 6% 17% CE 5% 19% 2 Wheeler 2 Wheeler 7% 10% MUV 12% MUV Used Vehicles 12% 28% Used Vehicles 33% C
Slide 25: Vehicle Finance - Disbursement Mix – Quarter-wise
Vehicle Finance - Disbursement Mix – Quarter-wise Disbursement (₹Cr) - Product wise Disbursement (%) – Product wise * 14,390 * 14,430 816 * 13,647 912 * 12,766 670 * 12,336 854 1,051 5% 5% 6% 6% 5% 674 782 6% 6% 6% 7% 6% Low Yield 637 745 2,116 683 2,333 2,367 17% 15% 15% 17% 16% 2,134 1,896 Medium
Slide 26: Vehicle Finance - Portfolio Mix – Quarter-wise
Vehicle Finance - Portfolio Mix – Quarter-wise Portfolio (₹Cr) - Product wise Portfolio (%) – Product wise * 1,04,720 * 1,01,257 6% 5% 6% 6% 6% * 96,673 6,571 7% 7% 7% 7% 7% * 92,012 6,490 * 88,638 6,232 7,058 6,882 5,842 Low Yield 5,718 6,398 20% 6,083 20% 19% 19% 19% 5,925 20,158 19,277 18,539 18,
Slide 27: Vehicle Finance - Disbursements and Asset Under Management
Vehicle Finance - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under management (₹Cr) *1,04,720 * 1,01,257 6 53,922 9 *88,638 48,348 * 84,498 42 27 39,699 * 66,938 215 1,01,248 1,04,714 88,611 84,456 66,723 12,766 13,647 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1
Slide 28: Vehicle Finance - Income and Profit before tax
Vehicle Finance - Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 14,108 2,824 2,532 11,274 2,272 8,851 3,848 3,255 620 628 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1 FY26 28
Slide 29: Loan Against Property
Loan Against Property ary Colours 29
Slide 30: Loan Against Property - Q1 FY26 Performance
Loan Against Property - Q1 FY26 Performance • Disbursements grew by 21% in Q1 FY26 to Rs. 4,705 Cr as Disbursements compared to Rs. 3,874 in Q1 FY25. Asset under • AUM has grown by 37% YoY. management Loss and • Loan losses at 0.3% in Q1 FY26 as compared to 0.1% in Q1 provisions FY25. Profit before
Slide 31: Loan Against Property: Industry outlook
Loan Against Property: Industry outlook Sector Outlook Chola’s Position • ICRA Rating highlighted that NBFC are experiencing a moderation in • Chola’s LAP team continues to focus on retail credit expansion at present. Growth is expected to ease to 13% -15% customers especially in smaller towns and r
Slide 32: Loan Against Property - Disbursements and Asset Under Management
Loan Against Property - Disbursements and Asset Under Management Disbursements Assets under Management (₹Cr) (₹Cr) 17,913 * 43,943 * 41,439 4,226 2,512 13,554 * 32,135 * 29,859 759 823 9,299 * 21,588 1,114 38,927 39,717 31,376 29,036 4,705 20,474 3,874 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q
Slide 33: Loan Against Property – Income and Profit before tax
Loan Against Property – Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 4,543 1,266 973 3,208 759 2,292 1,382 405 1,006 292 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1 FY26 33
Slide 34: Home Loans
Home Loans Primary Colours 34
Slide 35: Home Loans – Q1 FY26 Performance
Home Loans – Q1 FY26 Performance • Disbursements at Rs.1,764 Q1 FY26 as compared to Rs. Disbursements 1,778 in Q1 FY25. Asset under • AUM has grown by 33% YoY. management Loss and • Loan losses at 0.6% in Q1 FY26 as compared to 0.3% in Q1 provisions FY25. Profit before tax • PBT grew by 11% in Q1 FY
Slide 36: Home Loans - Industry outlook
Home Loans - Industry outlook Sector Outlook Chola’s position • Moderation in business growth in 9M FY2025 vis-à-vis FY2024 • Chola continues to expand its reach into smaller villages and towns, focusing on the underpenetrated rural areas resulting in book growth by 14%. Growth to be supported by dr
Slide 37: Home Loans - Disbursements and Asset Under Management
Home Loans - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) *19,399 7,404 *18,427 281 296 6,362 *14,565 *13,404 341 356 *8,451 18,131 19,117 433 -1% 14,224 13,048 3,830 1,778 1,764 8,018 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1 FY26 On Book
Slide 38: Home Loans - Income and Profit before tax
Home Loans - Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 2,548 709 1,756 489 321 971 729 182 558 163 FY23 FY24 FY25 Q1 FY25 Q1 FY26 FY23 FY24 FY25 Q1 FY25 Q1 FY26 38
Slide 39: Funding Profile
Funding Profile <&} Chola aXe 39 Murugappa Financial Holdings
Slide 40: CAR and Credit Rating
CAR and Credit Rating Capital Adequacy Ratio (CAR) – As per RBI guideline Tier I Tier II 19.62 18.57 19.75 19.96 17.13 3.13 3.47 5.34 5.65 2.35 16.49 14.78 15.10 14.41 14.31 FY22 FY23 FY24 FY25 Q1FY26 Minimum CAR Stipulated by RBI is 15% & for Tier I is 10% Loan type India ratings Care ICRA Crisil S
Slide 41: Diversified Borrowings Profile (I/II)
Diversified Borrowings Profile (I/II) Borrowing mix by instrument type ₹ Cr * 1,49,902 * 1,57,794 * 1,67,076 * 1,74,946 * 1,81,304 2% 3% 3% 3% 1% 2% 3% 1% 2% 1% 2% 1% 3% 5% 3% 1% 3% 3% 3% 3% 17% 15% 14% 18% 17% 6% 8% 7% 3% 6% 6% 5% 6% 7% 7% 11% 11% 11% 11% 12% 46% 45% 46% 44% 44% 4% 5% 6% 6% 7% Q1FY
Slide 42: Diversified Borrowings Profile (II/II)
Diversified Borrowings Profile (II/II) Borrowing mix by investor type ₹ Cr * 1,49,902 * 1,57,794 * 1,67,076 * 1,74,946 * 1,81,304 6% 5% 6% 7% 7% 17% 18% 17% 15% 14% 3% 2% 0.3% 2% 0.3% 2% 0.2% 0.3%3% 6% 0.3% 3% 8% 7% 6% 53% 52% 53% 52% 52% 1% 1% 1% 1% 7% 1% 6% 7% 7% 7% 8% 6% 5% 5% 6% 3% 3% 3% 3% 3% Q
Slide 43: ALM Statement as of 30th Jun 2025 (As per IND AS)
ALM Statement as of 30th Jun 2025 (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 5,778.87 584.92 3,208.43 86.04 2,446.27 2,182.41 918.21 1,526.28 16,731.42 Advances 6,187.73 5,787.02 4,610.70 17,401.26 29,302.90 79,34
Slide 44: Cholamandalam MS General Insurance Company Limited
Cholamandalam MS General Insurance Company Limited Financial data in this section is as per IGAAP 44
Slide 45: 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 77
Slide 46: Key Financial Parameters (Rs. Crs)
Key Financial Parameters (Rs. Crs) Particulars – In Rs. Cr FY’24 FY’25 Q1 FY’25 Q1 FY’26 Gross Written Premium$ 7598 8328 1945 1997 NEP 5079 5806 1319 1521 U/W Results -659 -661 -128 -188 Investment income (Net) 1116 1307 316 343 PBT 444 681 179 145 PAT 331 507 134 107 EOM on GWP %$ (full premium) 3
Slide 47: Financial Performance (Rs. Crs)
Financial Performance (Rs. Crs) Particulars Q1 FY’26 (In Rs. Crs) Excluding 1/n impact With 1/n impact GWP 2,099 1,997 GWP growth 7.9% 2.7% PAT 132 107 PAT Growth -1.8% -20.1% Return on average networth – Not annualised 4.1% 3.4% COR 111.5% 114.8% Investment Leverage 5.81 5.97 *includes recoveries f
Slide 48: LOB Wise - Growth Trends of Multi-line Insurers
LOB Wise - Growth Trends of Multi-line Insurers LOB Wise - Growth trends – Q1 FY26 In Q1 FY26, Other ▪ Growth in Motor & Particulars Fire Comml Motor Health PA Crop Others Total Other Commercial Lines lines in line with Pvt sector Industry 17.1% 10.2% 8.7% 7.3% 41.3% -48.1% 3.4% 8.9% Private 11.4% 1
Slide 49: Among the Top ranked GI Players supported by strong growth
Among the Top ranked GI Players supported by strong growth GWP growth 1.5 times of Industry growth in last 4 years Rs In Crs (CAGR FY2021 - FY 2025 = 13.2%) Q1 FY’2026 8328 7598 6200 Growing Market 4400 4854 Share 1997 FY'21 FY'22 FY'23 FY'24 FY'25 Q1 FY'26 5.2% Market share in Growth vis-à-vis peer
Slide 50: Key Financial Indicators
Key Financial Indicators GWP (INR Cr) and Growth (%) Return on Net Worth – Not Annualized (%) Includes RI Inwards 900 0 251 25. 0% 800 0 22.5% 700 0 8328 20. 0% 18.5% 7598 600 0 14.3% 14.3% 15. 0% 500 0 400 0 7.9% 1945 10. 0% 12.9% 102 300 0 200 0 5.0 % 100 0 1997 5.2% 3.5% 0 0.0 % FY'24 FY'25 Q1 FY
Slide 51: Capital efficiency - No Capital Infusion in last 11 years
Capital efficiency - No Capital Infusion in last 11 years Rs In Crs Net Worth 2492 2999 2625 3106 2050 2557 2,183 2,664 442 442 442 442 FY'24 FY'25 Q1 FY'25 Q1 FY'26 Capital Invested Reserves ▪ Accumulated profits @ 85.8% of Net worth (Rs.3106 Crs) as on Jun’25 ▪ Total Capital infused is Rs. 442 Crs
Slide 52: Claims Ratio (%)
Claims Ratio (%) Line of Business FY’24 FY’25 Q1 FY’25 Q1 FY’26 Motor OD 72.8% 73.6% 75.1% 80.4% Motor TP 76.0% 72.2% 72.3% 80.4%* Motor Total 75.1% 72.6% 73.2% 80.4% Health, Travel & PA 66.7% 73.0% 69.7% 81.8% Crop 104.2% 99.0% 32.4% 73.6% Fire# 78.5% 78.4% 116.2% 113.8% Marine 76.3% 60.6% 54.0% 86
Slide 53: Investment Book Overview (Rs In Crs)
Investment Book Overview (Rs In Crs) Category Mar-24 Mar-25 Jun-25 Govt Securities 10121 7871 7591 PSU / Corporate Bonds 5475 8779 9243 Equity 583 1001 1007 Others 322 600 300 Grand Total 16501 18251 18141 Yield with profit on sale 7.1% 7.5% 7.0% Yield without profit on sale 6.6% 6.8% 6.9% Investmen
Slide 54: Dominance in Motor, Diversification Underway
Dominance in Motor, Diversification Underway Motor Market Share (Largest GI Segment) Strategized diversification across Motor eco-system GI Market Share by GWP 75.6% 75.1% 72.6% 80.4% 19.6% 16.7% 14.9% 11.9% 5.4% 5.5% 37.6% 43.8% 42.8% 5.3% 44.6% 5.2% 42.3% 50.5% 35.9% 39.5% FY'23 FY'24 FY'25 Q1 FY'
Slide 55: Dominance in Motor, Gaining Prominence in Other Segment
Dominance in Motor, Gaining Prominence in Other Segment 6.2% 3.1% 3.3% 3.4% 8.9% 6.1% 4.5% 2.9% 6.0% 4.0% 2.5% 4.5% 7.6% 12.3% 12.9% 7.5% 6.3% 7.5% 4.3% Crop 4.9% 12.0% 11.0% PA & Others 16.0% 17.3% 15.7% Group Health Retail Health Commercial 65.9% 65.4% 59.7% 60.7% 57.7% Motor FY'24 FY'25 (1/n) Q1
Slide 56: Retail Focused Diversified Operations
Retail Focused Diversified Operations Retail dominated business mix Steady growth in policy issuance over the years No. of policies issued (in Lacs) 137 130 Commercial 121 32.7% Retail 67.3% 26 FY'23 FY'24 FY'25 Q1 FY'26 Significant growth in retail oriented policies Geographic Presence – Mix % # of
Slide 57: Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream
Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream Channel wise Mix% 8.8% 9.9% 10.4% 15.9% 13.1% 11.0% 11.7% 8.9% 6.0% 6.2% 36.5% 41.7% 41.7% 48.3% 51.0% 29.2% 25.3% 27.0% 18.3% 19.3% 14.5% 11.4% 12.0% 11.5% 10.4% FY'24 FY'25(1/n) Q1 FY'25 Q1 FY'26 Q1 FY'26 (1/n) Banks Corpo
Slide 58: Technology Transformation Initiatives
Technology Transformation Initiatives Core PAS System Upgrade Adoption of new Work flow Solutions ▪ Agile configuration capabilities to enable faster time to ▪ Working on upgrading workflow solution for increased market with new product launches productivity across user groups ▪ Out of the box micro
Slide 59: Indian General Insurance: Large addressable market
Indian General Insurance: - Large addressable market Significantly underpenetrated Premium as a % GDP Non-Life Insurance Density (Premium per capita) (CY24) (US$) (CY24) (US$) 9.4 7995 5.3 2.6 2.0 2.4 1.9 1.9 1894 1359 1.0 0.7 0.6 654 245 193 151 97 30 25 China Indonesia UK Brazil Russia Japan USA I
Slide 60: Industry has Witnessed Strong Growth Over the last 15 Years
Industry has Witnessed Strong Growth Over the last 15 Years General Insurance Gross Premium has grown >10x over the last 15 years Growth of 8.8% over Q1 FY’25 (Rs In Cr) CAGR (Last 15 Years) = 14.9% 2,89,738 3,07,659 2,56,912 2,20,772 1,89,302 1,98,724 1,50,572 1,70,036 1,28,213 96,394 58,357 69,086
Slide 61: Motor & Retail Health are the Largest GI Segment
Motor & Retail Health are the Largest GI Segment and Continue to Grow at Steady Pace Motor accounts for 39.0% share of the overall GWP for Private General Insurers (single largest segment) Motor Claim ratio (Private Motor Insurance– GWP Rs in Crs) (Private Motor Insurance– Claims Ratio) CAGR: 14% 83
Slide 62: Favorable Regulations Aiding Growth
Favorable Regulations Aiding Growth Amendment to Acts expected to improve profitability and growth across segments Growth Oriented Requiring Tweaks Impending Product Regulations Rural / Social / TP Obligations Courts’ recognition of amended MV Act Use and File across lines Claim initiation time
Slide 63: Contact us
Contact us Cholamandalam Financial Holdings Limited (CFHL), Dare House, No. 234, NSC Bose Road, Parrys, Our registered Chennai 600001. office Land Line: 044–4090 7638 / 2530 6486 http://www.cholafhl.com Email-ID Krithika E - Company Secretary–krithikae@cfhl.murugappa.com 63
Slide 64: Disclaimer
Disclaimer • Certain statements included in this presentation may be forward looking statements made based on management’s current expectations and beliefs concerning future developments and their potential effects upon Cholamandalam Financial Holdings Ltd and its subsidiaries. There can be no assur
Slide 65: Thank You
Thank You <> Chola 2% Financial Holdings murugappa
Cholamandalam Financial Holdings — Investor Presentation (June 2025) on 6ix