CHOLAHLDNG.NS
CHOLAHLDNG.NS
INE149A01033
CHOLAMANDALAM FIN HOL LTD
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Company Profile

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including motor, property and casualty, health, accident, fire and engineering, crop, marine, and travel insurance, as well as reinsurance. It serves first-time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
33.5% p.a.
Max Drawdown (5Y)
-37.6%
Sharpe Ratio (5Y)
0.35
Beta Factor
0.41
Size Class
Mega Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Critical leverage: Debt-to-Equity is at 623%.
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (33.5% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -68.8% in the extended horizon.
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