Chola Finance Share Price Today
Live price, Q4 FY26 blockbuster results, 10-year CAGR of 36%, gold loan entry, UBS vs CLSA divide, and the complete investment case for Cholamandalam Investment and Finance
Today — April 30, 2026 — is one of the most important days in recent Cholamandalam Investment and Finance Company history. The Board of Directors met this morning to approve the audited Q4 FY26 and full-year FY26 financial results. And the numbers that came out have set the tone: Q4 net profit up 29.5% year-on-year to ₹1,640.7 crore. Net Interest Income up 26% to ₹3,855 crore. AUM growth of 21% — surpassing the company’s own guidance of 20–22%.
For a company that was being questioned six months ago — after Cobrapost allegations in December 2025, a CLSA downgrade, and a JM Financial report flagging a weak quarter — this is a powerful earnings comeback. And for investors who have been holding Chola Finance shares through the volatility, today’s results validate the thesis that has driven a 10-year stock CAGR of 36% for this Murugappa Group NBFC.
Chola Finance Share Price Today — Live Snapshot (April 30, 2026)
Chola Finance Share Price Today
Price (Apr 28–30)
₹1,536–₹1,578
52-week high
₹1,831.50
52-week low
₹1,299.40
Market cap
~₹1,33,022 Cr
P/E ratio
27.1–31.2x
1-year return
+7.65%
NSE: CHOLAFIN | BSE: 511243 | Promoter holding: 49.2% (Murugappa Group) | P/B: 4.8–5.62x | FY26 EPS: ₹61.8 | Final dividend declared: ₹0.70/share | 48th AGM: July 28, 2026
Q4 FY26 Results — Blockbuster Numbers on Results Day
Chola Finance Share Price Today
Today’s Q4 FY26 results from Chola Finance — approved at the Board Meeting on April 30, 2026 — are among the strongest quarterly prints in the company’s recent history:
Q4 Net Profit (standalone)
₹1,640.7 Cr
+29.5% YoY ↑
Net Interest Income (Q4)
₹3,855 Cr
+26% YoY ↑
Q3 FY26 Net Profit
₹1,289.97 Cr
+18.54% YoY ↑
AUM (Q3 FY26)
₹2.27 Lakh Cr
+20% YoY ↑
FY26 AUM growth
21%
Beat guidance ↑
FY26 EPS
₹61.8
Full year FY26
The Q4 result of ₹1,640.7 crore beat analyst estimates of ~₹1,500 crore by a healthy margin. This is the kind of earnings beat that re-rates a stock — and with the May 4, 2026 earnings call organized by Kotak Institutional Equities still ahead, management commentary on FY27 AUM guidance and NIM trajectory will be the next key trigger to watch.
What Is Chola Finance? — The Murugappa Group NBFC Story
Chola Finance Share Price Today
Cholamandalam Investment and Finance Company Limited (CIFCL) — popularly known as Chola Finance — is the financial services arm of the Murugappa Group, one of India’s most respected Chennai-based conglomerates founded in 1900 with a $9.3 billion portfolio spanning 29 businesses and 113 manufacturing sites across 50 countries.
Incorporated in 1978, Chola Finance started with equipment financing and has evolved into a comprehensive financial services powerhouse. Today it operates across six major product lines:
- Vehicle Finance (58% of AUM): Commercial vehicles, passenger vehicles, two and three-wheelers, tractors, and construction equipment — the backbone of the business
- Loan Against Property (LAP): Secured loans against residential and commercial properties for business and personal needs
- Home Loans: Through subsidiary Cholamandalam Home Finance Limited (CHFL)
- SME Loans: Growing at ~18% YoY — serving India’s small and medium enterprise segment
- Gold Loans: Newly entered in select regions in FY25 — adding a high-margin, secured lending vertical
- Consumer & Small Enterprise Loans (CSEL): Now being strategically wound down from partnership-sourced channels to improve asset quality
Chola Finance has 1,438+ branches across India and AUM exceeding ₹2.27 lakh crore. Its subsidiaries include Cholamandalam Securities Limited (CSEC) and Payswiff Technologies — an omnichannel payment solution platform serving merchants across in-store, delivery, and online channels.
The Gold Loan Entry — Chola’s Boldest New Bet
Chola Finance Share Price Today
One of the most strategically significant announcements from Chola Finance in recent quarters is its entry into the gold loan business. With gold prices at all-time highs in 2026 — crossing ₹1,40,000 per 10 grams — the timing is near-perfect. Chola is not the first NBFC to see this opportunity — Manappuram Finance and Muthoot Finance have built empires on it. But Chola brings something they do not — an existing 1,438-branch network, deep vehicle finance relationships in rural India, and the Murugappa Group’s financial discipline.
The gold loan vertical, currently in select regions, is expected to scale into a meaningful revenue contributor over FY27–FY28. For investors tracking Chola Finance, this is a long-term option value that is not yet fully priced into the stock.
Chola Finance Return History — The 10-Year Compounding Machine
Chola Finance Share Price Today
| Timeframe | CHOLAFIN Return | Sensex Return |
|---|---|---|
| 1 year | +7.65% | +7.90% |
| 3 years | +88.41% | +31.57% |
| 5 years | +187.95% | +63.25% |
| 10-year CAGR | 36% per annum | ~12% per annum |
A 10-year CAGR of 36% is not a coincidence. It reflects a business that has consistently grown its loan book, maintained asset quality, expanded into new segments, and delivered compounding earnings growth quarter after quarter. This is precisely the kind of track record that drives long-term institutional conviction — and explains why UBS, Citi, Goldman Sachs, HSBC, and Motilal Oswal are all in the Buy camp.
Analyst Targets — The UBS vs CLSA Divide
Chola Finance Share Price Today
Chola Finance has one of the most polarised analyst communities in India’s NBFC space right now:
- UBS: Upgraded to Buy, target raised to ₹1,950 — citing robust growth outlook and improving profitability indicators
- Citi: Buy rating — bullish on AUM growth and vehicle finance recovery
- Goldman Sachs: Buy — long-term structural growth thesis intact
- HSBC: Buy, target ₹1,670 — reiterated post management roadshow commentary
- Motilal Oswal: Buy — strong disbursement growth and asset quality stabilisation cited
- CLSA: Downgraded to Hold, target ₹1,600 — citing stretched valuations that now mirror market leader Bajaj Finance
- J.P. Morgan: Hold — cautious on recovery sustainability
- Morgan Stanley: Equal-weight, target ₹1,475 — most conservative on the street
- Macquarie: Sell — most bearish, flagging credit cost risks
- Yahoo Finance analyst average: ₹1,774 target — implying ~13% upside from current price
The range between UBS at ₹1,950 and Macquarie’s Sell call captures the real debate: is Chola a high-quality compounder deserving of premium multiples, or is it now priced for perfection with execution risks that the bulls are underweighting?
Key Financial Metrics — Full Snapshot
Chola Finance Share Price Today
| Metric | Value |
|---|---|
| Share price (Apr 28–30) | ₹1,536–₹1,578 |
| Market cap | ~₹1,27,994–₹1,33,022 Crore |
| P/E ratio | 27.1–31.2x |
| P/B ratio | 4.8–5.62x |
| FY26 EPS | ₹61.8 |
| ROE | 15–18% |
| Revenue (TTM) | ₹29,702 Crore |
| Profit (TTM) | ₹4,847 Crore |
| Promoter holding | 49.2% (Murugappa Group) |
| Dividend (FY26 final) | ₹0.70/share + ₹1.30 interim = ₹2.00 total |
| 50 DMA | ₹1,563.55 |
| 200 DMA | ₹1,591.26 (stock trading below 200 DMA) |
The Cobrapost Controversy — What You Need to Know
Chola Finance Share Price Today
In December 2025, investigative portal Cobrapost raised allegations against Chola Finance regarding corporate governance lapses — specifically related-party transactions and significant cash deposits. The stock corrected sharply on these reports.
Cholamandalam Investment has strongly denied all allegations, calling them malicious and baseless. The company has maintained its regulatory filings, continued dividend payments, and delivered strong subsequent quarterly results — which, combined, suggest the market has moved past the concern. Today’s Q4 FY26 beat is the strongest quarterly rebuttal the company could have offered. However, investors should monitor any regulatory follow-up or further developments before taking large positions.
Should You Buy Chola Finance Shares Today?
Chola Finance Share Price Today
Long term (3–5 yr)
Strongest case for holding or accumulating. 10-year CAGR of 36%, AUM beating guidance, Q4 profit up 29.5%, and new gold loan vertical as option value. The Murugappa pedigree, clean management, and vehicle finance moat make this a core NBFC holding.
Short term
Stock is below its 200 DMA (₹1,591), trading in a base formation. Today’s strong Q4 results and May 4 earnings call could be the catalysts to reclaim 200 DMA and move toward ₹1,670–₹1,800. Watch for volume confirmation post-results.
Bears say
P/B of 5.62x is stretched vs peers. Macquarie’s Sell call flags credit cost risks. CLSA says valuations now mirror Bajaj Finance — without Bajaj’s business diversification. Governance controversy residue. Enter in tranches, not all at once.
Key Events to Watch — May 2026 Calendar
Chola Finance Share Price Today
- May 4, 2026: Q4 FY26 Earnings Call at 10:00 AM IST (organized by Kotak Institutional Equities) — management guidance on FY27 AUM, NIMs, and gold loan scale-up
- May 2, 2026: Trading window reopens for designated persons
- July 28, 2026: 48th Annual General Meeting — full-year results discussion and dividend approval
- Watch: Analyst target revisions post Q4 results — UBS, HSBC, Motilal Oswal likely to revise targets upward given the strong beat
How to Buy Chola Finance Shares
Chola Finance Share Price Today
- Open a Demat and Trading account with Zerodha, Groww, 5paisa, Kotak Neo, INDmoney, or Dhan
- Search ticker CHOLAFIN on NSE or 511243 on BSE
- Set up a monthly stock SIP to average entry over the next 3–6 months
- Track the May 4 earnings call for FY27 AUM guidance — this will be the key price mover
- Compare with peers: Bajaj Finance, Shriram Finance, Mahindra Finance, L&T Finance
Disclaimer: This article is for informational and educational purposes only. Share prices, Q4 FY26 figures, and analyst targets are sourced from publicly available information as of April 30, 2026, and are subject to change. This does not constitute investment advice. Please consult a SEBI-registered financial advisor before making any investment decisions. Past performance is not indicative of future returns.