Cholamandalam Investment and Finance Company Limited
CHOLAFIN · Financial Services
About Cholamandalam Investment and Finance Company Limited (CHOLAFIN)
Cholamandalam Investment and Finance Company Limited is a Credit Services company operating in the Financial Services sector. The company is headquartered in Chennai, India. CHOLAFIN has been publicly traded since 2002, giving it 24+ years of trading history.
Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has been publicly traded since 2002, making it a 24-year-old public company. It operates in the Credit Services industry within the Financial Services sector. The company is headquartered in Chennai, India and employs approximately 45,194 people. With a market capitalization of $1.3 trillion, CHOLAFIN is one of the largest publicly traded companies.
CHOLAFIN trades on the Indian stock exchanges (NSE/BSE) and is classified as a mega-cap-cap stock with a market capitalization of approximately $1.3 trillion. The company employs approximately 45,194 people worldwide.
Key Statistics
- Current Price
- ₹1,514.00
- Market Cap
- ₹1.29T
- 52-Week High
- ₹1,831.50
- 52-Week Low
- ₹1,358.65
- Sector
- Financial Services
- Industry
- Credit Services
CHOLAFIN Investment Performance
CHOLAFIN has declined 11.0% year-to-date in 2026. Over the past 5 years, a $1,000 investment in CHOLAFIN would have grown to $3,332, representing a 233.2% total return. Since its IPO in 2002, a $1,000 investment would now be worth $350,082.
₹1,000 Invested in Cholamandalam Investment and Finance Company Limited (CHOLAFIN)
How much would ₹1,000 invested in CHOLAFIN be worth today?
What would ₹1,000 invested in CHOLAFIN 1 year ago be worth today?
A ₹1,000 investment in Cholamandalam Investment and Finance Company Limited (CHOLAFIN) in 2025 would be worth ₹1,040 as of May 2026, representing a +4.0% total return.
What would ₹1,000 invested in CHOLAFIN 3 years ago be worth today?
A ₹1,000 investment in Cholamandalam Investment and Finance Company Limited (CHOLAFIN) in 2023 would be worth ₹1,975 as of May 2026, representing a +97.5% total return.
What would ₹1,000 invested in CHOLAFIN 5 years ago be worth today?
A ₹1,000 investment in Cholamandalam Investment and Finance Company Limited (CHOLAFIN) in 2021 would be worth ₹3,332 as of May 2026, representing a +233.3% total return.
What would ₹1,000 invested in CHOLAFIN 10 years ago be worth today?
A ₹1,000 investment in Cholamandalam Investment and Finance Company Limited (CHOLAFIN) in 2016 would be worth ₹12,327 as of May 2026, representing a +1132.7% total return.
What would ₹1,000 invested in CHOLAFIN at IPO be worth today?
A ₹1,000 investment in Cholamandalam Investment and Finance Company Limited (CHOLAFIN) at IPO would be worth ₹350,082 as of May 2026, representing a +34908.2% total return.
Monthly Returns Heatmap
Over the past 23+ years (284 months), Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has averaged a monthly return of +3.06% with a median return of +2.33%. The stock had 167 positive months (59%) and 116 negative months (41%). The best month in CHOLAFIN's history was May 2009 with a +72.2% return, while the worst was March 2020 at -50.0%. Historically, April tends to be the strongest month (averaging +6.7%), and January the weakest (0.6%).
CHOLAFIN's longest winning streak was 11 consecutive months of gains, while its longest losing streak was 4 consecutive months of losses. The best full year was 2007 with a cumulative return of +128.7%, and the worst was 2008 at -157.9%.
Annual Returns
Over 24 years of trading history, Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has delivered an average annual return of +47.50% with a median return of +37.16%. The compound annual growth rate (CAGR) is +27.54%. The stock posted gains in 17 years (71%) and losses in 7 years (29%).
CHOLAFIN's best year was 2010 with a +179.17% gain, while the worst was 2008 at -86.84%. The longest streak of consecutive positive years was 5, and the longest losing streak was 1 years. CHOLAFIN achieved double-digit gains (10%+) in 17 years. It suffered double-digit losses in 4 years.
| Year | Return | Start | End |
|---|---|---|---|
| 2026 | -10.99% | ₹1,700.93 | ₹1,514.00 |
| 2025 | +43.73% | ₹1,183.42 | ₹1,700.93 |
| 2024 | -5.71% | ₹1,255.09 | ₹1,183.42 |
| 2023 | +74.66% | ₹718.58 | ₹1,255.09 |
| 2022 | +39.32% | ₹515.77 | ₹718.58 |
| 2021 | +34.82% | ₹382.57 | ₹515.77 |
| 2020 | +27.18% | ₹300.81 | ₹382.57 |
| 2019 | +22.28% | ₹246.00 | ₹300.81 |
| 2018 | -2.61% | ₹252.59 | ₹246.00 |
| 2017 | +37.99% | ₹183.04 | ₹252.59 |
| 2016 | +48.31% | ₹123.42 | ₹183.04 |
| 2015 | +36.32% | ₹90.54 | ₹123.42 |
| 2014 | +96.32% | ₹46.12 | ₹90.54 |
| 2013 | -8.05% | ₹50.15 | ₹46.12 |
| 2012 | +141.43% | ₹20.77 | ₹50.15 |
| 2011 | -39.76% | ₹34.49 | ₹20.77 |
| 2010 | +179.17% | ₹12.35 | ₹34.49 |
| 2009 | +60.56% | ₹7.69 | ₹12.35 |
| 2008 | -86.84% | ₹58.46 | ₹7.69 |
| 2007 | +170.22% | ₹21.63 | ₹58.46 |
| 2006 | -29.69% | ₹30.77 | ₹21.63 |
| 2005 | +160.29% | ₹11.82 | ₹30.77 |
| 2004 | +12.07% | ₹10.55 | ₹11.82 |
| 2003 | +139.03% | ₹4.41 | ₹10.55 |
CHOLAFIN Investment Analysis: Valuation, Risk & Dividends
Key factors to consider when evaluating Cholamandalam Investment and Finance Company Limited as an investment
Valuation
CHOLAFIN currently trades at a trailing P/E ratio of 26.4, which is considered high relative to the broader market. The forward P/E of 19.4 suggests analysts expect earnings to be lower in the coming year. The price-to-book ratio stands at 4.9. The price-to-sales ratio is 10.4.
Dividends
Cholamandalam Investment and Finance Company Limited pays a dividend to shareholders with a current yield of 0.13%. This translates to $2.00 per share annually. The payout ratio of 3% indicates sustainable dividend coverage.
Risk & Volatility
CHOLAFIN has a beta of 0.36, indicating it is less volatile than the overall market. The stock's 52-week range is $1358.65 to $1831.50, and it currently trades in the lower half of its 52-week range.
Analyst Ratings
Based on 34 analyst opinions, CHOLAFIN has a consensus "buy" rating. The average price target of $1815.71 suggests 19.9% upside from current levels.
Frequently Asked Questions: CHOLAFIN
What sector is CHOLAFIN in? ▼
CHOLAFIN operates in the Financial Services sector, specifically in the Credit Services industry. This sector includes banks, insurance companies, asset managers, and fintech companies.
How has CHOLAFIN performed historically? ▼
Over 24 years of trading history, CHOLAFIN has posted gains in 17 years (71% of the time). The best year was 2010 with a +179.2% return. Past performance does not guarantee future results.
How can I invest in CHOLAFIN? ▼
You can invest in CHOLAFIN through any brokerage account that offers access to Indian exchanges. Popular options include commission-free brokers like Fidelity, Charles Schwab, or Robinhood (US), or international brokers like Interactive Brokers. You can buy individual shares or invest through ETFs that hold CHOLAFIN.
Does CHOLAFIN pay dividends? ▼
Cholamandalam Investment and Finance Company Limited pays a dividend to shareholders with a current yield of 0.13%. This translates to $2.00 per share annually. The payout ratio of 3% indicates sustainable dividend coverage.
What does Cholamandalam Investment and Finance Company Limited do? ▼
Cholamandalam Investment and Finance Company Limited is a Credit Services company operating in the Financial Services sector. The company is headquartered in Chennai, India.
What sector is CHOLAFIN in? ▼
CHOLAFIN operates in the Financial Services sector, specifically in the Credit Services industry.
When did CHOLAFIN go public? ▼
Cholamandalam Investment and Finance Company Limited went public in 2002, making it a 24-year-old public company as of 2026.
How much would $1,000 invested in CHOLAFIN 5 years ago be worth today? ▼
A $1,000 investment in CHOLAFIN five years ago would be worth approximately $3,332 today, representing a 233.2% return.
Does CHOLAFIN pay dividends? ▼
Yes, Cholamandalam Investment and Finance Company Limited pays a dividend with a current yield of 0.13%, which is $2.0 per share annually.
What is CHOLAFIN's market cap? ▼
Cholamandalam Investment and Finance Company Limited has a market capitalization of $1.3 trillion, classifying it as a mega-cap company.
What is CHOLAFIN's P/E ratio? ▼
CHOLAFIN has a trailing P/E ratio of 26.4 and a forward P/E of 19.4, which measures how much investors are paying per dollar of earnings.
Is CHOLAFIN a buy, hold, or sell? ▼
Based on 34 opinions, CHOLAFIN has a consensus "buy" rating. The average price target is $1815.71.
Last updated: 3/14/2026