Cholamandalam Investment and Finance Company Limited

Rs.1000

ance business 2017 • GaadiBazaar dealer platform 2018 • Gen 3 scoring model 2019 • PAT crossed Rs.1000 Cr • HL platform digitization • HRMS SaaS solution • AI/ML based scoring model 2012 • Commenced T

16%

150 Days 2021 • LAP platform digitization • Covid pandemic - registered a growth in assets of 16% and a growth of 44% in PAT 2022 • Launched CSEl, SSBPL 2024 • Total AUM crossed 2025 • Total

44%

platform digitization • Covid pandemic - registered a growth in assets of 16% and a growth of 44% in PAT 2022 • Launched CSEl, SSBPL 2024 • Total AUM crossed 2025 • Total AUM ₹1.5 lakh Cr.

₹1.5 lakh

growth of 44% in PAT 2022 • Launched CSEl, SSBPL 2024 • Total AUM crossed 2025 • Total AUM ₹1.5 lakh Cr. • Launched a crossed ₹1.99 lakh Cr. composite QIP issue of equity shares and CCD aggreg

₹1.99 lakh

d CSEl, SSBPL 2024 • Total AUM crossed 2025 • Total AUM ₹1.5 lakh Cr. • Launched a crossed ₹1.99 lakh Cr. composite QIP issue of equity shares and CCD aggregating to Rs.4,000 Cr. • Increased bran

Rs.4,000

unched a crossed ₹1.99 lakh Cr. composite QIP issue of equity shares and CCD aggregating to Rs.4,000 Cr. • Increased branch network to 1613. • Launched Gold loan business. 2026 • Total AUM crossed

₹2.07 lakh

• Increased branch network to 1613. • Launched Gold loan business. 2026 • Total AUM crossed ₹2.07 lakh Cr. • Increased branch network to 1703. & SME business • ROA back to Pre- COVID levels • Reaff

42.6 lakh

tuent of FTSE4Good Index Series. • Chola classified as UL • category Launch of public debt. 42.6 lakh + customers 66,806 employees Rs. 2.07+ lakh Cr. Total AUM Rs. 136k+ Cr. market cap 1703 branch

rs 66,806

Index Series. • Chola classified as UL • category Launch of public debt. 42.6 lakh + customers 66,806 employees Rs. 2.07+ lakh Cr. Total AUM Rs. 136k+ Cr. market cap 1703 branches Diversified produc

Rs. 2.07

a classified as UL • category Launch of public debt. 42.6 lakh + customers 66,806 employees Rs. 2.07+ lakh Cr. Total AUM Rs. 136k+ Cr. market cap 1703 branches Diversified product portfolio Exper

Rs. 136

y Launch of public debt. 42.6 lakh + customers 66,806 employees Rs. 2.07+ lakh Cr. Total AUM Rs. 136k+ Cr. market cap 1703 branches Diversified product portfolio Experienced management 6 Highlig

Rs.24,325

anagement 6 Highlights – Q1 FY26 Particulars Q1 FY26 Vs Q1 FY25 Disbursement Disbursement at Rs.24,325 Cr as compared to Rs. 24,332 Cr Business AUM Rs.1,92,148 Cr, a growth of 24%. NIM PBT Improved

“There can be no assurance that future developments affecting Cholamandalam Investment and Finance Company Ltd and its subsidiaries will be those anticipated by management.”

“Cholamandalam Investment and Finance Company Ltd does not intend and is under no obligation, to update any particular forward- looking statement included in this presentation.”

Others

1

Others

Livelihood, Slum Development, Disaster Relief, Senior Citizen Support 107 Contact us Our registered office Cholamandalam Investment and Finance Company Limited (Chola), Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Toll free number: 1800-200-4565 (9 AM to 7 PM) Land Line: 044–4090 7172 http://www.cholamandalam.com Email-ID Sujatha P- Chief Compliance Officer – companysecretary@chola.murugappa.com Arulselvan D- Chief Financial Officer – cfo@chola.murugappa.com 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 Investment and Finance Company Ltd and its subsidiaries. There can be no assurance that future developments affecting Cholamandalam Investment and Finance Company Ltd and its subsidiaries will be those anticipated by management. These forward-looking stateme