NSE:CHOLAHLDNG Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	326,943	296,513	248,798	186,383	129,283	102,549
Total Interest Expense	156,664	143,102	124,268	91,928	57,350	42,904
Net Interest Income	170,279	153,411	124,531	94,456	71,933	59,645
Commissions and Fees	27,432	23,277	19,736	15,670	10,351	8,008
Gain (Loss) on Sale of Investments	26.4	26.4	27.6	234.3	-	-
Other Revenue	72,559	70,937	62,720	55,982	41,825	47,702
Revenue Before Loan Losses	270,296	247,652	207,013	166,342	124,110	115,354
Provision for Loan Losses	35,420	35,420	24,897	13,136	8,509	8,801
Revenue	234,876	212,232	182,116	153,206	115,601	106,553
Revenue Growth	19.45%	16.54%	18.87%	32.53%	8.49%	19.92%
Salaries & Employee Benefits	52,778	46,861	37,902	29,942	18,597	13,543
Cost of Services Provided	58,385	54,507	44,386	40,047	38,623	45,447
Other Operating Expenses	36,588	35,020	33,910	28,796	18,562	16,030
Total Operating Expenses	151,325	139,714	119,155	101,260	77,543	76,562
Operating Income	83,551	72,519	62,961	51,946	38,058	29,992
Earnings From Equity Investments	76.5	72.6	59	120.8	-86.9	-28.7
EBT Excluding Unusual Items	84,428	73,392	63,541	52,095	38,056	29,963
Gain (Loss) on Sale of Investments	-	-	533.3	32.9	107.9	442.9
Pretax Income	84,368	73,332	64,055	52,119	38,157	30,407
Income Tax Expense	21,164	18,480	16,656	13,614	10,061	8,013
Earnings From Continuing Ops.	63,205	54,852	47,399	38,506	28,096	22,394
Net Income to Company	63,205	54,852	47,399	38,506	28,096	22,394
Minority Interest in Earnings	-35,591	-30,439	-25,662	-20,780	-15,194	-12,163
Net Income	27,614	24,413	21,737	17,725	12,902	10,231
Net Income to Common	27,614	24,413	21,737	17,725	12,902	10,231
Net Income Growth	23.93%	12.31%	22.63%	37.38%	26.11%	24.06%
Shares Outstanding (Basic)	188	188	188	188	188	188
Shares Outstanding (Diluted)	188	188	188	188	188	188
Shares Change	-0.01%	-	-	0.01%	0.00%	0.01%
EPS (Basic)	147.06	130.01	115.76	94.39	68.72	54.50
EPS (Diluted)	147.06	130.01	115.76	94.39	68.72	54.49
EPS Growth	23.94%	12.31%	22.64%	37.36%	26.11%	24.04%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Free Cash Flow	-403,077	-303,930	-345,428	-368,951	-295,895	-58,765
Free Cash Flow Per Share	-2146.62	-1618.56	-1839.56	-1964.83	-1575.98	-313.00
Dividend Per Share	-	1.300	1.300	0.550	0.550	0.550
Dividend Growth	-	0%	136.36%	0%	0%	0%
Operating Margin	35.57%	34.17%	34.57%	33.91%	32.92%	28.15%
Profit Margin	11.76%	11.50%	11.94%	11.57%	11.16%	9.60%
Free Cash Flow Margin	-171.61%	-143.21%	-189.67%	-240.82%	-255.96%	-55.15%
Effective Tax Rate	25.09%	25.20%	26.00%	26.12%	26.37%	26.35%
Revenue as Reported	431,964	395,758	334,599	260,868	183,760	-