Cholamandalam Finance Ka Profit **19%** Bhaga! FY26 Targets Bhi Track Par?

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AuthorRiya Kapoor|Published at:
Cholamandalam Finance Ka Profit **19%** Bhaga! FY26 Targets Bhi Track Par?
Overview

Arre yaar, Cholamandalam Finance (CIFCL) ne kamaal kar diya! Q3 mein inka net profit **19%** badh kar **₹1,288 crore** ho gaya. Aur FY26 ke liye AUM growth targets bhi poore hone waale hain, CFO D Arul Selvan full confident hain. Sabse achha, inke loan disbursements bhi **16%** zyaada hue hain!

Targets Hain Full Control Mein!

CFO D Arul Selvan ne clear kar diya hai ki company FY26 ke liye jo Assets Under Management (AUM) growth targets set kiye hain, woh bilkul track par hain. Unhone bola ki FY26 mein 20-22% ka expansion dekhne ko milega. Vehicle finance toh pehle se hi strong chal raha hai aur aage bhi achha perform karega.

Q3 Profit Pe Lagayi Hai Double Digit Ki Speed!

Is quarter mein company ka net profit ₹1,288 crore raha, jo pichhle saal ke same quarter se 19% zyada hai. Ye boost mila hai loan disbursements se, jismein vehicle finance, property par loan, aur home loans jaise sectors ne zabardast kaam kiya hai. Overall disbursements mein 16% ka healthy jump dekha gaya hai.

Naye Business Aur Asset Quality Ki Baatein

Jo naya gold loan business shuru kiya hai, woh bhi mast chal raha hai. Q3 mein ismein ₹772 crore ke disbursements hue hain 118 branches se. Company ko umeed hai ki Q4 mein credit costs thode kam ho jayenge. Halanki Q3 mein credit costs 1.8% the, par management focus kar raha hai ki Stage-2 assets ko kam kiya jaaye.

Asset Quality Ka Update

Thoda sa asset quality mein farak aaya hai. Gross NPAs (GNPAs) September ke 4.57% se thoda badh kar 4.63% ho gaye hain December tak. Isi tarah, Net NPAs (NNPAs) bhi 3.07% se badh kar 3.13% ho gaye hain. Par management ka kehna hai ki ye koi badi chinta ki baat nahi hai.

Cash Zyada, Loan Nahi!

Company ne ye bhi confirm kiya hai ki abhi koi equity fundraising ka plan nahi hai. Unke paas growth ke liye sufficient funds hain aur wo apne growth targets ko bina bahari madad ke poora karne ki capacity rakhte hain.

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