Cholamandalam Holdings: PAT mein **27%** ka Dhamaka! Par Insurance Company ka Kya Hua?

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AuthorIshaan Verma|Published at:
Cholamandalam Holdings: PAT mein **27%** ka Dhamaka! Par Insurance Company ka Kya Hua?
Overview

Bhai log, Cholamandalam Financial Holdings ne Q3 FY26 mein kamaal kar diya! Unka consolidated PAT **27%** badh kar ho gaya **₹1,386 Crore**. Ye sab chalne wala Cholamandalam Investment & Finance (CIFCL) ki wajah se hua, jiska business zabardast bhaga. Lekin, unki insurance wali company, Cholamandalam MS General Insurance (CMSGICL), ka performance thoda mili-juli rahi.

📉 Financial Deep Dive: Numbers Kya Kehte Hain?

Cholamandalam Financial Holdings Limited (CFHL) ne Q3 FY26 mein consolidated basis par ek tagdi performance di hai. Total Income 17% badh kar ₹10,084 Crore hui, aur Profit After Tax (PAT) 27% jump kar ₹1,386 Crore tak pahunch gaya. Saath hi, saal ke pehle 9 mahine (9M FY26) mein bhi total income 19% badh kar ₹29,056 Crore aur PAT 14% badh kar ₹3,860 Crore ho gaya.

Subsidiaries Ka Khel: Kisko Mila Boost?

  1. Cholamandalam Investment & Finance Company Ltd (CIFCL):
    Ye lending wali company toh full form mein thi! Q3 FY26 mein isne 17% zyada loans disburse kiye, total ₹29,962 Crore ke. Assets Under Management (AUM) bhi 20% badh kar ₹2,27,770 Crore ho gaya, aur company ka PAT 19% upar bhaga, jo ki ₹1,288 Crore raha. Ekdum zabardast performance!

  2. Cholamandalam MS General Insurance Company Ltd (CMSGICL):
    Ab baat karte hain insurance wale CMSGICL ki. Is quarter mein Gross Written Premium (GWP) 9% badh kar ₹2,361 Crore raha. Q3 mein inka PAT ₹2 Crore se seedha ₹93 Crore ho gaya, lekin ye asal mein investment par mark-to-market (MTM) gains ki wajah se hua hai. Agar asli operational performance dekho toh, 9 mahine ka PAT 30% gir gaya hai, kyunki insurance claims bahut zyada aa rahe hain. Thodi tension wali baat hai ye non-life insurance segment ke liye.

Standalone Performance Aur Naya Kharcha

Standalone level par bhi CFHL ne achha kiya. Q3 FY26 mein standalone PAT 40.74% badh kar ₹2.66 Crore ho gaya. 9 mahine (9M FY26) mein standalone PAT 19.14% badh kar ₹31.93 Crore raha.

Aur ek important baat, new labour laws ki wajah se employee costs mein ₹57.40 Crore ka kharcha badh gaya hai last 9 mahine mein consolidated results mein. Ye operational cost short-term profits par thoda pressure daal sakta hai.

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