Cholamandalam Financial Holdings Limited

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mplex Bandra (E) Mumbai 400 051 The Secretary BSE Limited, 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai 400 001 Symbol : CHOLAHLDNG Scrip Code : 504973 Dear Sir / Madam,

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$9.3 B Consolidated Turnover (FY24) $47.8 B Group Market cap (as on 31st Mar 2025) 3 Sectors 29+ Businesses 9 Listed Companies 50 Countries Geographical Presence 113 Locations Manufactur

60.00%

en you shall not." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 44.34% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralI

44.34%

shall not." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 44.34% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralInsuranc

49.50%

ot." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 44.34% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralInsurance Compa

15.75%

ronment, Health and Safety Shareholding Pattern Shareholding Pattern as of March 31, 2025 Others, 15.75% FPI, 17.54% Promoters, 46.45% Institutional Holders (More than 1%) Top Domestic Institutional

17.54%

th and Safety Shareholding Pattern Shareholding Pattern as of March 31, 2025 Others, 15.75% FPI, 17.54% Promoters, 46.45% Institutional Holders (More than 1%) Top Domestic Institutional Holdings * A

46.45%

olding Pattern Shareholding Pattern as of March 31, 2025 Others, 15.75% FPI, 17.54% Promoters, 46.45% Institutional Holders (More than 1%) Top Domestic Institutional Holdings * ADITYA BIRLA SUN LIFE

1%

f March 31, 2025 Others, 15.75% FPI, 17.54% Promoters, 46.45% Institutional Holders (More than 1%) Top Domestic Institutional Holdings * ADITYA BIRLA SUN LIFE TRUSTEE PRIVATE LIMITED * CANARA RO

20.26%

INDIA TRUSTEE LTD * SBI NIFTY 500 INDEX FUND * AXIS MUTUAL FUND TRUSTEE LIMITED Mutual Funds, 20.26% Promoters Mutual Funds FPI Others 6 Performance Highlights - Consolidated 7 RevenueProfit af

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X FUND * AXIS MUTUAL FUND TRUSTEE LIMITED Mutual Funds, 20.26% Promoters Mutual Funds FPI Others 6 Performance Highlights - Consolidated 7 RevenueProfit after taxEPS (Rs.)Q4 FY259,0101,36232.68Q4 F

26%

nsolidated 7 RevenueProfit after taxEPS (Rs.)Q4 FY259,0101,36232.68Q4 FY247,1581,14427.32Rs.in Cr.26%19%20%RevenueProfit after taxEPS (Rs.)YTD Mar-2533,4604,740115.76YTD Mar-2426,0873,85194.39Rs.in Cr.

“1,983 Cr as compared to Q4FY24 and by 16% in FY25 to Rs.7,404 Cr as compared to FY24.”

“Loss and provisions Profit before tax • • Loan losses at 0.6% in Q4FY25 as compared to -0.04% in Q4FY24 and at 0.4% in FY25 as compared to 0.2% in FY24.”

“197 Cr as compared to Q4FY24 and by 45% in FY25 to Rs.709 Cr as compared to FY24.”

“Note: Home Loans includes Affordable LAP 37 Home Loans - Industry outlook Sector Outlook Chola’s Position • The underpenetrated market and the government’s • Chola continues to expand its reach into smaller villages and thrust on “Housing for all” are likely to support towns, focusing on untapped rural areas across India to growth going forward.”

“0% 5.0 % 0.0 % 5.7% 124 2135 13.7% 2020 9.7% 4.9% 2.8% Q4 FY 24 Q4 FY 25 FY'23 FY'24 FY'25 Q4 FY 24 Q4 FY 25 GWP(Rs in crs) Growth% GWP on long term business Break up of CoR(%) Profit Before Tax (Rs.”

“There can be no assurance that future developments affecting Cholamandalam Financial Holdings Limited and its subsidiaries will be those anticipated by management.”

Source

1

Source

https://www.indiaratings.co.in/pressrelease/74260, https://www.icra.in/Research/ViewResearchReport/6266, https://www.icra.in/Research/FullReportView/6139, https://www.icra.in/Research/FullReportView/6139 33 Loan Against Property - Disbursements and Asset Under Management Disbursements (₹Cr) Assets under Management (₹Cr) 34 3,627 5,536 9,299 13,554 17,913 FY21FY22FY23FY24FY2512,716 15,250 20,474 29,036 38,927 2,062 1,544 1,114 823 2,512 *14,777 *16,795 *21,588 *29,859 *41,439 FY21FY22FY23FY24FY25On BookAssigned* Total AUM Loan Against Property – Income and Profit before tax Income (₹Cr) Profit before tax (₹Cr) 35 1,642 1,807 2,292 3,208 4,543 FY21FY22FY23FY24FY253064697599731,266FY21FY22FY23FY24FY25 36 Primary ColoursHome Loans Home Loans – Q4FY25 & FY25 Performance Disbursements Asset under management • Disbursements grew by 14% in Q4FY25 to Rs. 1,983 Cr as compared to Q4FY24 and by 16% in FY25 to Rs.7,404 Cr as compared to FY24. • AUM has grown by 37% YoY. Loss and provisions Profit b