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Cholamandalam Investment & Finance
3.9
based on 5.1k Reviews
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Company Overview
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Working at Cholamandalam Investment & Finance
Company Summary
Cholamandalam provides comprehensive financial services that include Vehicle Loans, Home Loans, Loans against property, Rural and Agri Loan, Business Loan, Gold Loan & others.
Overall Rating
3.9/5
based on 5.1k reviews
3% above
industry average
Highly rated for
Salary
Work Policy
Work from office
81% employees reported
Monday to Saturday
79% employees reported
Flexible timing
52% employees reported
Within city
56% employees reported
View detailed work policy
Top Employees Benefits
Health insurance
158 employees reported
Job/Soft skill training
152 employees reported
Office cab/shuttle
29 employees reported
Professional degree assistance
24 employees reported
View all benefits
About Cholamandalam Investment & Finance
Founded in1978 (47 yrs old)
India Employee Count10k-50k
Global Employee Count10k-50k
India HeadquartersChennai, Tamil Nadu, India
Office Locations
--
Websitecholamandalam.com
Primary Industry
Other Industries
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View in video summary
Cholamandalam Investment and Finance Company Limited (Chola), founded in 1978 as part of the Murugappa Group, initially focused on equipment financing. Over the years, Chola has transformed into a leading comprehensive financial services provider, offering a wide array of solutions including vehicle finance, home loans, SME loans, home equity loans, loan against property, consumer durable loans, and more.
With a nationwide presence of 1,500+ branches and Assets Under Management (AUM) surpassing Rs. 1.77 lakh crore, Chola serves over 42.9 lakh happy customers. The company’s subsidiaries include Cholamandalam Securities Limited (CSEC), Cholamandalam Home Finance Limited (CHFL), and Payswiff Technologies Private Limited (Payswiff), enhancing its diverse portfolio.
At Chola, our commitment is to foster growth and empowerment for customers, employees, shareholders, and communities alike. We are driven by a strong foundation of integrity, ethical values, and a deep sense of responsibility towards all our stakeholders. As we continue to grow and innovate, we aim to create sustainable value and contribute positively to the lives of those we serve, enabling them to enter a better life.
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Cholamandalam Investment & Finance Ratings
based on 5.1k reviews
Overall Rating
3.9/5
How AmbitionBox ratings work?
5
2.7k
4
1.1k
3
570
2
243
1
515
Category Ratings
3.8
Salary
3.7
Job security
3.7
Skill development
3.6
Company culture
3.5
Work-life balance
3.5
Promotions
3.5
Work satisfaction
Cholamandalam Investment & Finance is rated 3.9 out of 5 stars on AmbitionBox, based on 5.1k company reviews.This rating reflects an average employee experience, indicating moderate satisfaction with the company’s work culture, benefits, and career growth opportunities. AmbitionBox gathers authentic employee reviews and ratings, making it a trusted platform for job seekers and employees in India.
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Gender Based Ratings at Cholamandalam Investment & Finance
based on 4.9k reviews
3.8
Rated by 178 Women
Rated 3.9 for Job security and 3.6 for Company culture
3.9
Rated by 4.7k Men
Rated 3.8 for Salary and 3.7 for Job security
Work Policy at Cholamandalam Investment & Finance
based on 1k reviews in last 6 months
Work from office
81%
Hybrid
15%
Permanent work from home
4%
Cholamandalam Investment & Finance Reviews
Top mentions in Cholamandalam Investment & Finance Reviews
+ 5 more
Compare Cholamandalam Investment & Finance with Similar Companies
 |  Change Company |  Change Company |  Change Company | |
|---|---|---|---|---|
Overall Rating | 3.9/5 based on 5.1k reviews | 3.8/5 based on 7.1k reviews | 3.9/5 based on 5.3k reviews  | 4.0/5 based on 10.4k reviews |
Highly Rated for | Salary | Work-life balance Job security | Job security Work-life balance Company culture | Salary Skill development Job security |
Critically Rated for |  No critically rated category | Promotions Skill development | Promotions | No critically rated category |
Primary Work Policy | Work from office 81% employees reported | Hybrid 85% employees reported | Hybrid 84% employees reported | Work from office 77% employees reported |
Rating by Women Employees | 3.8 Good rated by 178 women | 3.9 Good rated by 2.3k women | 3.9 Good rated by 1.7k women | 3.8 Good rated by 924 women |
Rating by Men Employees | 3.9 Good rated by 4.7k men | 3.8 Good rated by 4.7k men | 4.0 Good rated by 3.3k men | 4.0 Good rated by 9k men |
Job security | 3.7 Good | 3.9 Good | 4.0 Good | 3.8 Good |
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Cholamandalam Investment & Finance Salaries
Cholamandalam Investment & Finance salaries have received with an average score of 3.8 out of 5 by 5.1k employees.
Deputy Officer
(299 salaries)
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₹1.5 L/yr - ₹3.7 L/yr
Area Sales Manager
(269 salaries)
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₹4.5 L/yr - ₹19.5 L/yr
Area Credit Manager
(261 salaries)
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₹6.2 L/yr - ₹20.5 L/yr
Credit Officer
(219 salaries)
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₹1.6 L/yr - ₹4.5 L/yr
Area Collection Manager
(215 salaries)
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₹4.8 L/yr - ₹16.4 L/yr
Regional Sales Manager
(187 salaries)
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₹8 L/yr - ₹32 L/yr
Deputy Manager
(180 salaries)
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₹2 L/yr - ₹5.8 L/yr
Area Receivables Manager
(179 salaries)
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₹3.9 L/yr - ₹14.5 L/yr
Branch Credit Manager
(172 salaries)
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₹3 L/yr - ₹10.3 L/yr
Sales Officer
(168 salaries)
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₹1.4 L/yr - ₹3.6 L/yr
Cholamandalam Investment & Finance Interview Questions
A Sales Officer was asked 6mo agoQ. How do you manage travel?
A Senior Manager Credit was asked 2mo agoQ. What is your strategy for achieving targets?
A Collection Department was asked Q. When is the customer expected to submit their payment?
An Area Collection Manager was asked 2mo agoQ. Why is NPA collection important for portfolio management?
A Credit Officer was asked 5mo agoQ. What is your opinion on the case?
Cholamandalam Investment & Finance Jobs
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Cholamandalam Investment & Finance News
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Sensex jumps over 250 pts; Eternal, Bharti Airtel, IndusInd, Tata Motors lead gainers, SPARC & ABFRL slump
- Sensex rose by 220.17 points or 0.27% to 80,957.68, while Nifty 50 increased by 52.85 points to 24,595.35 with midcap and smallcap indexes showing marginal gains.
- On the sectoral front, realty and consumer durables declined, while other sectors traded with modest gains. Eternal, Bharti Airtel, IndusInd, Tata Motors, and Tech Mahindra led gainers of Nifty 50.
- Among smallcaps, RITES, Swan Energy, JWL, IGIL, and GRSE surged 5-7%. Defense stocks like GRSE, MTARTECH, Cochin Shipyard, Zen Tech, and Unimech saw 2-5% increase.
- In contrast, SPARC and ABFRL slumped 10-18%, with Cholamandalam Investment also dropping by 4%. At the time of writing, nearly 1,547 stocks advanced, and 1,147 declined on the National Stock Exchange.
HinduBusinessLine | 4 Jun, 2025
Cholamandalam aims to build over ₹1,000 crore gold loan book in 12–18 months
- Cholamandalam plans to build a gold loan book of over ₹1,000 crore in the next 12-18 months.
- Chola initially avoided gold loans due to the lack of infrastructure, but now with robust traceability and security systems, it sees the opportunity to enter the gold loan business.
- Chola will launch 100-120 branches dedicated to gold loans, targeting urban centers and utilizing the existing customer footfall.
- Loan ticket size will vary, with loans ranging from ₹10,000 to ₹20,000, catering to a broad customer base.
HinduBusinessLine | 29 Apr, 2025
Cholamandalam Q4 Results Review: IDBI Capital Downgrades The Stock To 'Hold' But Hikes Target Price
- IDBI Capital downgrades Cholamandalam stock to 'Hold' but increases target price.
- Cholamandalam has a diverse product portfolio and a widespread distribution network.
- Cholamandalam's net interest margins improved by 30bps QoQ to 8.0%.
- The brokerage believes premium valuation should sustain backed by strong growth.
Bloomberg Quint | 28 Apr, 2025
Cholamandalam Investment and Finance reports Q4 consolidated PAT at ₹1,259.54 cr
- Cholamandalam Investment and Finance reported a consolidated Profit After Tax (PAT) of ₹1,259.54 crore for Q4.
- For the financial year ending March 31, 2025, the PAT increased to ₹4,262.70 crore from ₹3,420.06 crore in the previous year.
- The company's consolidated total income for Q4 reached ₹7,136.91 crore, compared to ₹5,499.16 crore in the same period last year.
- Cholamandalam Investment and Finance achieved a 30% growth in Assets Under Management (AUM) with an AUM of ₹1,99,876 crore as of March 31, 2025.
HinduBusinessLine | 26 Apr, 2025
Cholamandalam’s annual disbursements cross ₹1 lakh cr in FY25, to enter gold loan business
- Cholamandalam’s annual disbursements cross ₹1 lakh cr in FY25, to enter gold loan business.
- Cholamandalam's total disbursements for FY25 were ₹1,00,869 crore, with a growth of 14% compared to FY24.
- Net income in FY25 increased by 36% to ₹13,570 crore, and net profit grew by 24% to ₹4,259 crore.
- Cholamandalam reported a gross non-performing assets (NPA) of 3.91% and net NPA of 2.63% as of March 31, 2025.
HinduBusinessLine | 25 Apr, 2025
Cholamandalam Investment And Finance Q4 Results: Profit Up 18%, Beats Estimates
- Cholamandalam Investment and Finance Co.'s net profit increased 18% for the quarter ended March 31, 2025, beating analysts' estimates.
- The company's net profit rose to Rs 1,259.54 crore during the January- March period of fiscal 2025.
- Its revenue soared 30.2% to Rs 7,045.57 crore for the January-March period, as compared to Rs 5,409.90 crore for the year ago period.
- The gross non-performing assets reduced to 3.97% for the quarter ended March from 4% in the previous quarter.
Bloomberg Quint | 25 Apr, 2025
Cholamandalam Investment and Finance: Growth Resilient, But Stock Looks Expensive Says Nuvama
- Cholamandalam Investment and Finance demonstrates strong profitability and above-average asset under management growth according to Nuvama.
- Despite recent price appreciation, Nuvama believes the stock looks expensive and initiates a 'Hold' recommendation with a target price of Rs 1,600.
- The company is projected to sustain a 'best-in-class earnings growth' rate of 30% over the financial years 2025-2027E.
- Cholamandalam Finance's scrip fell 2.33% to Rs 1,426.25 apiece, the lowest level since March 12.
Bloomberg Quint | 3 Apr, 2025
NBFCs Q4 Results Preview: Growth To Be Slow; Cost Of Borrowing To See A Gradual Reduction, Says Nirmal Bang
- Nirmal Bang predicts a slow growth in NBFCs Q4 results and a gradual reduction in the cost of borrowing.
- Nirmal Bang prefers Home First Finance and PNB Housing in the housing finance sector.
- The slowdown in the vehicle finance portfolio of Cholamandalm and Shriram Finance is expected to be offset by diversified segments like home loans, loans against property, and MSME.
- Key monitorables from Q4 FY25 results include the FY26 growth guidance, NIM movement, and asset quality trends.
Bloomberg Quint | 3 Apr, 2025
Shriram Finance, Cholamandalam, Bajaj Finance, SBI Cards Preferred By HSBC Global Research
- HSBC Global Research has preferred Shriram Finance Ltd., Cholamandalam Investment and Finance Co Ltd., Bajaj Finance Ltd., and SBI Cards & Payment Services Ltd.
- HSBC Global Research found balance transfer in floating rate loans to be high and noted the rising competition in some segments, while asset quality remained stable.
- In the housing finance sector, HSBC Global Research expects underperformance in the declining interest rate scenario and reduced rating for Bajaj Housing Finance Ltd.
- HSBC Global Research mentions stable asset quality outlook in the vehicle finance segment, with Shriram Finance Ltd. and Cholamandalam Investment and Finance Co. being key beneficiaries.
Bloomberg Quint | 25 Mar, 2025
Stocks To Buy Today: CESC, Tata Steel, Cholamandalam Investment, Max Financial And Alkyl Amines
- Analysts have advised buying CESC Ltd., Tata Steel Ltd., Cholamandalam Investment and Fin Co., Max Financial Services Ltd., and Alkyl Amines Chemicals Ltd.
- Nilesh Jain recommends buying CESC with a target price of Rs 144 and a stop loss of Rs 133.5.
- Akshay P Bhagwat suggests buying Tata Steel with a target price of Rs 141 and a stop loss of Rs 127.
- Ravi Singh advises buying Cholamandalam Investment with a target price of Rs 1,500 and a stop loss of Rs 1,430.
Bloomberg Quint | 5 Mar, 2025
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Cholamandalam Investment & Finance Perks & Benefits
Cholamandalam Investment & Finance Subsidiaries
Cholamandalam Securities
3.5
• 175 reviews
Payswiff Solutions
4.0
• 144 reviews
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Cholamandalam Investment & Finance Offices
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Cholamandalam Investment & Finance FAQs
When was Cholamandalam Investment & Finance founded?
Cholamandalam Investment & Finance was founded in 1978. The company has been operating for 47 years primarily in the Financial Services sector.
Where is the Cholamandalam Investment & Finance headquarters located?
Cholamandalam Investment & Finance is headquartered in Chennai, Tamil Nadu.
How many employees does Cholamandalam Investment & Finance have in India?
Cholamandalam Investment & Finance currently has more than 38,000+ employees in India. Finance & Accounting department appears to have the highest employee count in Cholamandalam Investment & Finance based on the number of reviews submitted on AmbitionBox.
Does Cholamandalam Investment & Finance have good work-life balance?
Cholamandalam Investment & Finance has a Work-Life Balance Rating of 3.5 out of 5 based on 5,100+ employee reviews on AmbitionBox. 74% employees rated Cholamandalam Investment & Finance 4 or above, while 26% employees rated it 3 or below on work-life balance. This indicates that the majority of employees feel a generally balanced work-life experience, with some opportunities for improvement based on the feedback. We encourage you to read Cholamandalam Investment & Finance work-life balance reviews for more details.
Is Cholamandalam Investment & Finance good for career growth?
Career growth at Cholamandalam Investment & Finance is rated fairly well, with a promotions and appraisal rating of 3.5. 74% employees rated Cholamandalam Investment & Finance 4 or above, while 26% employees rated it 3 or below on promotions / appraisal. Though the sentiment is mixed for career growth, majority employees have rated it positively. We recommend reading Cholamandalam Investment & Finance promotions / appraisals reviews for more detailed insights.
What are the pros and cons of working in Cholamandalam Investment & Finance?
Working at Cholamandalam Investment & Finance comes with several advantages and disadvantages. It is highly rated for salary & benefits. However, it is poorly rated for work satisfaction, work life balance and promotions / appraisal, based on 5,100+ employee reviews on AmbitionBox.
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