Cholamandalam Financial Holdings Ltd · NSE:CHOLAHLDNG
Cholamandalam Financial — Q4 FY26 Earnings Presentation
68 slides from Cholamandalam Financial's earnings presentation, May 8, 2026
Slide 1: Cover letter to stock exchanges
May 8, 2026 The Manager The Secretary Listing Department BSE Limited, National Stock Exchange of India Ltd 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor Dalal Street, Fort, Plot No.C-1, Block G Mumbai 400 001 Bandra-Kurla Complex Bandra (E) Mumbai 400 051 Symbol: CHOLAHLDNG Scrip
Slide 2: Corporate Presentation – Q4-FY26
CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED CORPORATE PRESENTATION – Q4-FY26 1
Slide 3: Murugappa Group in a Nutshell
Murugappa Group in a Nutshell FINANCIAL AGRICULTURE ENGINEERING SERVICES Market Cap(Cr.) 56,391 13,789 14,790 48,701 1,03,252 1,15,353 NA 25,642 Turnover (Cr.) 24,085 31,609 48,942 18,915 9,491 25,846 8,927 33,640 2,055 1,773 2987 1,054 974 4,263 507 4,740 PAT(Cr.) 125 Years of $10.2 Consolidated Ye
Slide 4: Cholamandalam Financial Holdings Limited (Core Investment Company)
Cholamandalam Financial Holdings Limited (CFHL) (Core Investment Company) 44.34% 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 5: Shareholding Pattern
Shareholding Pattern Shareholding Pattern as of March 31, 2026 Institutional Holders (More than 1%) Others, 16.32% Top Domestic Institutional Holdings NIPPON LIFE INDIA TRUSTEE LTD SBI NIFTY SMALLCAP 250 INDEX FUND AXIS MUTUAL FUND TRUSTEE LIMITED BANDHAN BALANCED ADVANTAGE FUND HDFC LARGE AND MID C
Slide 6: Performance Highlights - Consolidated
Performance Highlights - Consolidated Rs.in Cr. Revenue Profit after tax EPS (Rs.) Q4 FY26 10,520 1,626 36.59 17% 19% 12% Q4 FY25 9,009 1,362 32.68 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 7: Performance Highlights - Consolidated
Performance Highlights - Consolidated 6
Slide 8: Financial Performance & Metrics
Financial Performance & Metrics CFHL - Standalone CIFCL YTD Mar-26 YTD Mar-25 Particulars (Rs. in Cr) YTD Mar-26 YTD Mar-25 Disbursements (Rs. in Cr) 111,642 100,869 As of As of Income 89.79 86.20 31-Mar-2026 31-Mar-2025 Expenses 3.89 3.63 Asset Under Management (Rs. in Cr) 242,630 199,876 Profit Be
Slide 9: Regulatory Ratios of CFHL
Regulatory Ratios of CFHL Rs Crs As of As of Particulars March 31, 2026 March 31, 2025 Owned Funds (A) 1,372.72 1,336.20 Adjusted Networth (B) 31,968.88 25,840.63 Risk Weighed Assets ( C) 1,281.59 1,292.60 Outside Liabilities (D) 4.53 4.13 Net assets (E) 1,281.72 1,290.82 Investment in equity shares
Slide 10: Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment and Finance Company Limited 9
Slide 11: Disbursements
Disbursements Disbursements (₹Cr) * 1,11,642 Disbursements (%) 2% 2,469 5% * 1,00,869 7,363 6% 8% 7% 2% 7% 5% 10% 7,404 10,249 13% 12% 9% * 88,725 12,552 7,312 16% 9% 7% 6,362 9% 8% 0.03% 11,281 7,763 14% * 66,532 20,459 18% 18% 15% Consumer 8,106 1% Ecosyste 3,830 17,913 1,667 1% 1% 1% m 6,865 13,5
Slide 12: Assets Under Management
Assets Under Management Business - Assets under Management Business - Assets under Management (₹Cr) (%) * 2,24,334 1,804 1% 22,688 7% 8% 9% 1% 10% 10% * 1,84,746 1% 5% 15,113 3% 8% 8% - 7% 18,427 9,338 22% 3% 4% 4% 20% Ecosyst Consu * 1,45,572 14,573 21% mer 0.01% em - 6,628 52,295 22% 23% 13,404 1%
Slide 13: Profitability and Net worth
Profitability and Net worth Profit after tax (₹Cr) Networth (₹Cr) *30,404 170 5220 *23,627 4259 168 *19,557 168 3423 *14,296 30,234 2666 *11,708 164 164 23,459 2147 19,388 14,132 11,543 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Reserves and Surplus Equity Share Capital * Total Networth
Slide 14: Chola – Stage 3 Assets Trend
Chola –Stage 3 Assets Trend As per revised RBI norms GNPA% & NNPA% as of Mar26 is at 4.36% and 2.87%, respectively.
Slide 15: Vehicle Finance
Vehicle Finance Chola Financial Holdings 14
Slide 16: Vehicle Finance: Q4 FY26 & FY26 Performance
Vehicle Finance: Q4 FY26 & FY26 Performance Disbursements grew by 26% in Q4 FY26 to Rs. 18,132 Cr as Disbursements compared to Q4 FY25 and by 15% in FY26 to Rs.62,123 as compared to FY25. Assets under AUM has grown by 18% YoY. management Loss and Loan losses at 1.6% in Q4 FY26 as compared to 1.2% in
Slide 17: Sector outlook – Vehicle Finance business (1/2)
Sector outlook – Vehicle Finance business (1/2) The Heavy Commercial Vehicle (HCV) segment witnessed 20% growth in Q4 FY’26 & 10% in YTD Mar’26, culminating in record high sales number. This quarter was supported by improved freight activity, infrastructure momentum and continued replacement deman
Slide 18: Sector outlook – Vehicle Finance business (2/2)
Sector outlook – Vehicle Finance business (2/2) The Used Vehicle market in India has demonstrated resilience, underpinned by sustained demand, improved vehicle availability, and increasing consumer preference for value-driven mobility. The Construction Equipment segment witnessed a de-growth of
Slide 19: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic LCV Sales Trend in Domestic SCV Sales Chola 4 year Chol a 4 ye ar CAGR (7%) Chola YoY grow th rate 14% CAGR (in@Units) Chola YoY grow th rate 19% (in Units) CAGR 6% 5% CAGR @ 686535 2% 593055 200811 188283 193434 182277 508655 171587 457481 470467 FY'23 FY'24
Slide 20: Auto Industry Outlook
Auto Industry Outlook Trend in Domestic HCV Sales Trend in Domestic Car & MUV Sales Chola 4 ye ar (in Units) Chola 4 year Chola YoY grow th rate 43% Chola YoY grow th rate 17% (in Units) CAGR 18% CAGR 17% CAGR @ CAGR @ 7% 5% 397161 5352599 4623776 324202 4286466 301947 4226797 297070 293819 3897220
Slide 21: Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q4 FY26
Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q4 FY26 Diversified across geography Disbursements - State wise Portfolio - State wise Dadra and Nagar Haveli & Daman and Diu Dadra and Nagar Haveli AP & Daman & Diu MP Karnataka AP MP 0.05% 0.04% Karnataka Maharashtra Maharashtra 5% 5% 6% Ker
Slide 22: Vehicle Finance - Disbursement/Portfolio Mix – Q4 FY26
Vehicle Finance - Disbursement/Portfolio Mix – Q4 FY26 Diversified product segments Disbursements (%) - Product wise Portfolio (%) - Product wise HCV HCV 3 Wheeler 9% CE 7% 1% 3 Wheeler 7% CE 2% LCV LCV 6% 15% 2 Wheeler 18% 10% 2 Wheeler 7% MUV 13% MUV Used Vehicles Used Vehicles 13% 27% 30% CAR 10%
Slide 23: 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 1,014 1,694 6% 5% 5% 6% 7% * 14,430 1,232 7% 6% 6% 7% Yield 9% Low * 13,647 * 13,539 816 2,735 16% 670 632 2,494 16% 17% 15% 1,051 15% 782 768 Medium 2,333 2,31
Slide 24: Vehicle Finance - Portfolio Mix – Quarter-wise
Vehicle Finance - Portfolio Mix – Quarter-wise Portfolio (₹Cr) - Product wise Portfolio (%) – Product wise * 1,19,558 * 1,12,937 6% 6% 6% 6% 6% * 1,07,568 7,509 * 1,04,720 7% 7% 7% 7% 7% * 1,01,257 6,982 8,732 6,600 7,746 6,571 Low Yield 6,490 7,172 19% 19% 7,058 19% 19% 18% 6,882 22,113 21,167 20,1
Slide 25: Vehicle Finance - Disbursements and Asset Under Management
Vehicle Finance - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under management (₹Cr) *1,19,558 1 62,123 *1,01,257 53,922 *84,498 48,348 9 39,699 *66,938 42 *52,881 215 1,19,557 693 1,01,248 84,456 25,439 66,723 52,187 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 On Book
Slide 26: 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 2,272 2,054 8,851 7,721 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 25
Slide 27: Loan Against Property
Loan Against Property
Slide 28: Loan Against Property – Q4 FY26 & FY26 Performance
Loan Against Property – Q4 FY26 & FY26 Performance Disbursements grew by 5% in Q4 FY26 to Rs. 5,838 Cr as compared to Q4 Disbursements FY25 and by 14% in FY26 to Rs.20,459 Cr as compared to FY25. Asset under AUM has grown by 26% YoY. management Loss and Loan losses at 0.4% in Q4 FY26 as compared to
Slide 29: Sector outlook: Loan Against Property
Sector outlook: Loan Against Property • ICRA expects the NBFC Retail segment to grow at a moderate pace of 17-19% during FY2026 and 16- 18% in FY2027. Growth to remain at healthy levels in the near term • As per ICRA, LAP segment to likely grow at a slightly faster pace of 20-22% YoY during FY2026-F
Slide 30: Loan Against Property - Disbursements and Asset Under Management
Loan Against Property - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) * 52,295 20,459 6,487 17,913 * 41,439 2,512 13,554 * 29,859 823 * 21,588 45,808 9,299 * 16,795 1,114 38,927 1,544 29,036 5,536 20,474 15,250 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25
Slide 31: 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 3,208 973 759 2,292 1,807 469 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 30
Slide 32: Home Loans
Home Loans Chola Financial Holdings 31
Slide 33: Home Loans – Q4 FY26 & FY26 Performance
Home Loans – Q4 FY26 & FY26 Performance Disbursements at Rs. 1,895 Cr in Q4 FY26 as compared to Rs. 1,983 in Disbursements Q4 FY25 and at Rs. 7,363 Cr in FY26 as compared to Rs.7,404 Cr in FY25. Asset under AUM has grown by 23% YoY. management Loan losses at 1.5% in Q4 FY26 as compared to 0.6% in Q4
Slide 34: Sector outlook: Home loans
Sector outlook: Home loans • AUM of AHFCs increased by 19% YOY in 9 M FY2026 supported by good demand and faster growth pace. The underpenetrated market and the government’s thrust on “housing for all’ are likely to support growth going forward. ICRA expects AUM of AHFCs to rise by 19% -21% in FY26
Slide 35: Home Loans - Disbursements and Asset Under Management
Home Loans - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) *22,688 7,404 7,363 240 6,362 *18,427 296 *13,404 356 3,830 22,448 *8,451 18,131 *5,590 433 13,048 527 8,018 1,896 5,063 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 On Book Assigned * Total
Slide 36: Home Loans - Income and Profit before tax
Home Loans - Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 3,274 865 709 2,548 489 1,756 321 971 222 692 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 35
Slide 37: Funding Profile
Funding Profile Chola Financial Holdings 36
Slide 38: 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 19.21 17.13 3.13 3.47 5.34 4.48 2.35 16.49 14.78 15.10 14.41 14.73 FY22 FY23 FY24 FY25 FY26 Minimum CAR Stipulated by RBI is 15% & for Tier I is 10% Loan type India ratings Care ICRA Crisil ST
Slide 39: Diversified Borrowings Profile (I/II)
Diversified Borrowings Profile (I/I) Borrowing mix by instrument type * 1,74,946 * 1,81,304 * 1,87,515 * 1,97,810 * 2,10,867 ₹ Cr 1% 3% 2% 1% 1% 2% 1% 2% 0.3% 2% 2% 3% 5% 6% 5% 3% 3% 2% 2% 3% 15% 14% 16% 15% 15% 8% 7% 7% 7% 7% 7% 7% 7% 6% 7% 11% 12% 11% 11% 12% 44% 44% 43% 43% 42% 6% 7% 6% 6% 6% Q4F
Slide 40: Diversified Borrowings Profile (II/II)
Diversified Borrowings Profile (II/II) Borrowing mix by investor type ₹ Cr * 1,74,946 * 1,81,304 * 1,87,515 * 1,97,810 * 2,10,867 7% 7% 6% 6% 7% 15% 14% 16% 15% 15% 0.3%2% 0.2% 2% 0.2% 2% 2% 7% 0.3% 3% 7% 0.5% 8% 7% 7% 52% 52% 51% 52% 52% 0.7% 0.7% 0.7% 0.6% 0.6% 7% 7% 6% 6% 7% 5% 6% 7% 8% 6% 3% 3%
Slide 41: ALM Statement as of 31st Mar 2026 (As per IND AS)
ALM Statement as of 31st Mar 2026 (As per IND AS) 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 ₹ Cr Total Cash & Bank Balances 4,229.09 3,535.30 3,328.37 1,648.85 1,997.58 2,084.71 1,822.60 2,050.49 20,697.01 Advances 6,966.81 6,662.17 5,817.81 19,882.96 35,464.8
Slide 42: Cholamandalam MS General Insurance Company Limited
Cholamandalam MS General Insurance Company Limited 41
Slide 43: Table of Contents
Table of Contents #1 Overview of the Company #2 Financial Summary #3 General Insurance Industry in India 42 42
Slide 44: 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 45: Key Financial Parameters (Rs. Crs)
Key Financial Parameters (Rs. Crs) Particulars – In Rs. Cr Q4 FY 25 Q4 FY 26 FY’25 FY26 Gross Written Premium# 2135 2349 8328 8904 NEP 1564 1,716 5806 6604 U/W Results -151 -266 -661 -1004 Investment income (Net) 312 372 1307 1448 PBT 195 99 681 445 PAT$ 144 73 507 331 EOM on GWP %# (full premium) 2
Slide 46: Financial Performance (Rs. Crs)
Financial Performance (Rs. Crs) Excluding 1/n impact With 1/n impact Particulars (In Rs. Crs) Q4 FY 26 FY26 Q4 FY 26 FY26 GWP* 2453 9314 2349 8904 GWP growth 8.6% 8.6% 10.04% 6.92% PAT 97 428 73 331 PAT Growth -49.4% -24.1% -49.0% -34.8% RONW (not annualised) 2.83% 13.10% 2.23% 10.45% COR# 110.1% 11
Slide 47: LOB Wise – GDPI Growth Trends of Multi-line Insurers
LOB Wise – GDPI Growth Trends of Multi-line Insurers LOB Wise - Growth trends In FY26, Other Particulars Months Fire Comml Motor Health PA Crop Others Total Drop in crop insurance Lines business of Rs.598 crs H1 FY'26 20.5% 7.7% 7.6% 7.6% 33.8% -43.3% 7.9% 5.3% impacts growth for the year by 7.4%
Slide 48: Among the Top ranked GI Players supported by strong growth
Among the Top ranked GI Players supported by strong growth Rs In Crs GWP growth 2 times in last 5 years (CAGR FY2022 - FY 2026 = 16.4%) FY’2026 8328 8904 7598 6200 2.79% (Full year) 4400 4854 Market share 2.97% in Q4 FY'21 FY'22 FY'23 FY'24 FY'25 FY'26 Growth vis-à-vis peers / industry Stronger grow
Slide 49: Key Financial Indicators
Key Financial Indicators GWP (INR Cr) and Growth (%) Return on Net Worth – Not Annualized (%) Includes RI Inwards 410 251 10000 12.0% 18.5% 10.0% 9000 10.0% 8000 7000 8904 9.6% 8.0% 6000 5.7% 8328 5000 6.0% 4000 105 6.9% 10.4% 3000 124 4.0% 2349 2000 2135 2.0% 1000 0 0.0% 4.9% Q4 FY 25 Q4 FY 26 FY 2
Slide 50: Profit (PBT) waterfall FY24-25 Vs FY25-26
Profit (PBT) waterfall FY24-25 Vs FY25-26 Rs In Crs 59 177 182 559 319 53 1193 1074 83 31 7 892 686 633 633 633 574 491 460 454 454 PBT FY25 Recovery from Adjusted PBT Increase in Reduction in Increase in TP Increase in Increase in LR Decrease in RI Impact of RI New Labour PBT FY26 stressed for FY25
Slide 51: Capital efficiency - No Capital Infusion in last 13 years
Capital efficiency - No Capital Infusion in last 13 years Rs In Crs Net Worth 2492 2999 3329 2887 2557 2050 442 442 442 FY'24 FY 25 FY 26 Capital Invested Reserves Accumulated profits @ 86.7% of Net worth (Rs.3329 Crs) as on FY’26 Total Capital infused is Rs. 442 Crs Tier 2 Capital presently a
Slide 52: Claims Ratio (%)
Claims Ratio (%) Line of Business Q4 FY’25 Q3 FY’26 Q4 FY’26 FY25 FY’26 Motor OD 72.5% 82.9% 81.8% 73.6% 84.1% Motor TP* 74.8% 78.2% 79.6% 72.2% 78.4% Motor Total 74.1% 79.8% 80.4% 72.6% 80.3% Health, Travel & PA@ 75.0% 87.1% 92.4% 73.0% 88.0% Crop 98.8% -22.5% - 99.0% 92.4% Fire 41.5% 47.7% 22.4% 7
Slide 53: Investment Book Overview (Rs In Crs)
Investment Book Overview (Rs In Crs) Category Mar-24 Mar-25 Mar-26 Govt Securities 10121 7871 6540 PSU / Corporate Bonds 5475 8779 10828 Equity 583 1001 1326 Others 322 600 550 Grand Total 16501 18251 19048 Yield with profit on sale 7.1% 7.5% 7.7% Yield without profit on sale 6.6% 6.8% 6.9% Equity p
Slide 54: Dominance in Motor, Diversification Underway
Dominance in Motor, Diversification Underway Strategized diversification across Motor eco- Motor Market Share (Largest GI Segment) system GI Market Share by GWP 75.6 75.1 72.6 80.3 % % % % 19.6% 16.7% 14.9% 10.6% 5.3% 5.4% 5.5% 5.3% 42.8% 40.1% 44.6% 43.8% 39.5% 42.3% 49.3% 35.9% FY'23 FY'24 FY'25 F
Slide 55: Dominance in Motor, Gaining Prominence in Other Segment
Dominance in Motor, Gaining Prominence in Other Segment 1.2% 1.2% 8.7% 8.9% 5.3% 3.5% 4.0% 5.9% 6.3% 4.9% 4.7% 4.3% 4.5% 6.8% 6.3% 11.9% Crop 13.6% 11.8% 11.0% PA & Others Group Health Retail Health 72.3% Commercial 63.5% 65.4% 68.7% Motor FY'25 FY'25 (1/n) FY'26 FY'26 (1/n) 1/n reporting has lowe
Slide 56: 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) Commercial 18.1% 137 130 121 113 Retail 81.9% FY'23 FY'24 FY'25 FY'26 Retail oriented policies over years Geographic Presence – Mix % # of Retail Pol
Slide 57: Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream
Multi-Channel Model Ensures Less Concentration & Diversified Revenue Stream Channel wise Mix% 7.7% 7.7% 5.6% 6.0% 8.1% 7.9% 11.1% 10.6% 5.8% 5.7% 5.6% 5.4% 41.7% 40.5% 47.0% 49.5% 25.3% 26.1% 19.3% 17.6% 11.4% 12.1% 10.6% 11.8% FY'25(1/n) FY'25 FY'26 (1/n) FY'26 Banks Corporate Agent Captive* Broker
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: We Continue to Invest Further in Tech & Data
We Continue to Invest Further in Tech & Date to Power our Future Digital Journey 3 4 Data Enablement Digital Enablement & Tech Transformation • Enablement of analytics use cases – Analytics in fraud management, renewals, cross-sell, • Digitally enabling the sales force up-sell – A super app powering
Slide 60: Centralized Data Platform in Place
Centralized Data Platform in Place having Ability to Power Data Intensive Application and Deploying Analytical Models Digital Sales Apps Technical Reports Foundational capabilities allows us quicker onboarding Analytics Models for analytical use cases Analytics COE 1 Native AWS stack used to build d
Slide 61: Overview of the General Insurance Industry in India
#3 Overview of the General Insurance Industry in India 60
Slide 62: 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 India UK S. Korea S. Africa Russia USA Brazi
Slide 63: 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 3.5x over the last 10 years Growth of 9.3% over FY’26 (Rs In Cr) CAGR (Last 15 Years) = 14.0% 336,123 289,738 307,659 256,912 220,772 198,724 150,572 170,036 189,302 128,213 96,394 69,086 77,541 84,
Slide 64: 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 44.6% 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: 13% 83
Slide 65: 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 66: 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 65
Slide 67: 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 68: Thank You
Thank You & Chola 2 Financial Holdings murugappa
Cholamandalam Financial Holdings — Q4 FY26 Earnings Presentation on 6ix