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CHOLAFIN · Financials · 2026-08-21

Cholamandalam Investment and Finance Company Ltd

7.0★★ GoodSolid +4.1Stage 2 · wk 6In scan: Breakout WatchMARKET: BULL RISING · 2026-08-21
₹1,862.9
-1.38% today
₹1,59,104 Cr · Large cap
About this companyFinancials· Consumer Finance
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Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.

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P/E (TTM)
25.5
Forward 15.8
Earnings Growth (YoY)
+29.1%
Revenue +24.1%
ROE
+19.3%
Profit margin +39.8%
Dividend Yield
0.13%
P/B 4.4
vs 52W High
-4.0%
₹1,354.7 lo₹1,940 hi
4.0% below 52W high — pullback range
How far this stock is from its 52-week high. A pullback of 3–20% while Stage 2 structure holds is typically a better entry than chasing near the high.
Stage Maturity
Week 6
1w13w26w
Week 6 — early Stage 2, building
How long this stock has been in Stage 2. The sweet spot is typically 13–26 weeks — enough time to prove the structure holds, not so long it's extended. Very fresh (wk 1–4) often needs more time to confirm.
vs 200 DMA
11.4%
200 DMA: ₹1,671.9 · rising
Long-term trend anchor. When stock and Nifty are both above their 200 DMA, the macro backdrop supports continuation.
Rel Volume
0.55x
vs 50-day avg
Low vol (0.5–1x) on pullbacks = resting, not being sold. High vol on breakouts = commitment. Volume spike on down days is a warning sign.
Trend Health
MA20 trending up · +3.5% vs MA50 +8.5%
Two-layer momentum read: the glyph shows whether the 20-day MA is rising (↑/↗), flat (→), or rolling over (↓). The ⇈ flag fires when the 20-day MA is pulling away from the 50-day MA — short-term momentum building on top of the longer trend. Best when both glyphs agree.
Sector
Financials
↑ Building
Stage 2%
41.5%
20d Δ
+7.7pp
1M return
+2.1%
3M return
+3.6%
Sector Stage-2 % · last 20 days
This stock ranks #41 of 92 Stage 2 stocks in Financials by RS.
Industry
Consumer Finance
↑ Building
Stage 2%
56.4%
20d Δ
+15.4pp
1M return
+5.2%
3M return
+15.0%
Industry Stage-2 % · last 20 days
Ranks #10 of 21 Stage 2 stocks in this industry.
Price + Volume Chart
Loading price chart…
Stage Cycle Timeline2023-05-29 → 2026-08-21
S2 25w
S2 18w
S2 17w
2023-05-292026-08-21
S1S2S3S4Setup score (0–10, dashed line at 5)
S2 13w → S3 2w → S2 12w → S3 5w → S2 7w → S3 3w → S4 6w → S1 2w → S2 25w → S3 5w → S4 7w → S1 7w → S2 18w → S3 10w → S2 17w → S3 9w → S4 10w → S1 4w → S2 5w current
Total tracked: 167 weeks across 19 stage runs.
1M
+8.5%
3M
+21.0%
6M
+8.6%
YTD
+9.7%
1Y
+27.6%
Scan Membership
Breakout Watch
Latest: 2026-07-16
5 appearances in last 60 days. First seen: 2024-01-08.
Stocks that stay in the scan for 13+ weeks are in the highest observed-return cohort — they keep qualifying because the structure remains intact, not by luck. Persistence in the scan is itself a quality signal.
Recent Stage Timeline
2026-08-21S2
Wk 6 · Vol x
2026-08-20S2
Wk 6 · Vol x
2026-08-19S2
Wk 5 · Vol x
2026-08-18S2
Wk 5 · Vol x
2026-08-17S2
Wk 5 · Vol x
2026-08-14S2
Wk 5 · Vol x
2026-08-13S2
Wk 5 · Vol x
2026-08-12S2
Wk 4 · Vol x
2026-08-11S2
Wk 4 · Vol x
2026-08-10S2
Wk 4 · Vol x
2026-08-07S2
Wk 4 · Vol x
2026-08-06S2
Wk 4 · Vol x
Sector Peers — Stage 2All →
TFCILTD
wk 26 · -1.3% from hi
9.6
PRUDENT
wk 12 · -1.4% from hi
8.4
KTKBANK
wk 23 · -2.0% from hi
8.3
ESAFSFB
wk 9 · 0.0% from hi
7.6
MUFIN
wk 13 · -0.0% from hi
7.5
Moving averages & range
50 DMA
₹1,801.5
200 DMA
₹1,671.9
52W High
₹1,940
52W Low
₹1,354.7
5D Low
₹1,862.9
Resistance levels (recent highs)
20d High
₹1,940
60d High
₹1,940
120d High
₹1,940
250d High
₹1,940
Next resistance
+4.1%
to 20d High

All analytics based on EOD data. Data as of 2026-08-21. Past data patterns are not indicative of future results. This page is a data analytics tool only.