Cholamandalam Investment & Finance Company Share Price Live

Business Segments

• Business Vehicle Loan: The company possesses an experience of over 3 decades in vehicle finance. It is a dominant player with a strong presence in rural, semi-urban and urban markets.
• Loan Against Property (LAP): Chola is a major player in the Indian NFBC LAP market with over ₹ 21,000 crore assets under management. Under this segment, the company’s products include Business loans against property (Prime LAP) and Micro loans against property (Micro LAP).
• Home Loans: The company has emerged as a leading home loan provider to lower middle-income families in urban and semi-urban markets with an AUM of over ₹8,000 crore.
• Consumer & Small Enterprise Loan (CSEL): The company provides personal and professional under this segment.
• Secured Business & Personal Loan (SBPL): The SBPL division provides collateral-backed business and personal loans on the basis of the credit assessment and cashow projections of businesses.
• Small And Medium Enterprise Loans (SME): The SME division provides bouquets of products to match the requirements of working capital and capex of SMEs. The products under this segment include Supply Chain Finance, Term Loans, Equipment Finance, and Loans against Securities.

Subsidiaries

• Cholamandalam Securities Limited (CSEC):  It is a leading stock broker in Southern India with over 20 years of operations in the financial market. CSEC provides a wide range of financial products, such as Stock Broking and Depository Participant Services.
• Cholamandalam Home Finance Limited: This subsidiary acts as a corporate agent with a composite licence from the Insurance Regulatory and Development Authority of India (IRDAI) for the distribution of insurance products.
• Payswi Technologies Private Limited: It is engaged in the business of offline payment aggregator services and provides e-commerce solutions.

Key Personnel

Corporate Action

Management Outlook

• The company will be focused on scaling up through new product segments (CSEL, SME and SBPL) as well as improving efficiencies in existing segments (VF, LAP and HL). 
• In addition, Chola’s strong sales and collections set-up, combined with digital initiatives and branch reach, will also support improving efficiencies.

SWOT Analysis

• Unique and sound business model.
• Well-diversified revenue streams.

• Operates in high-risk segments, mainly in pre-owned commercial vehicles.
• Higher dependence on wholesale funding.

• Entered into SME and home loan segments, both having high growth potential.
• Rising demand for financing.

• Interest rate risks.
• Intense competition from peers.