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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comCholamandalam Investment and Finance Company Ltd (Chola Finance), part of the Murugappa Group, is one of India’s leading non-banking financial companies (NBFCs). It has a strong presence in vehicle finance, home loans, SME lending, and wealth management. Known for its consistent performance and customer-centric approach, Chola Finance has been a steady performer in the financial services sector.
In this article, we’ll explore Cholamandalam Investment and Finance Co. Ltd’s share price targets from 2025 to 2030, including its market performance, shareholding structure, and future outlook.
| Detail | Value |
|---|---|
| Open | ₹1,623.90 |
| Previous Close | ₹1,621.40 |
| Volume | 451,734 |
| Value (Lacs) | ₹7,298.21 |
| VWAP | ₹1,621.87 |
| Beta (Volatility) | 1.36 |
| Market Cap (₹ Cr) | ₹1,35,936 |
| High | ₹1,630.90 |
| Low | ₹1,609.70 |
| UC Limit | ₹1,783.50 |
| LC Limit | ₹1,459.30 |
| 52 Week High | ₹1,684.40 |
| 52 Week Low | ₹1,168.00 |
| Face Value | ₹2 |
| All-Time High | ₹1,684.40 |
| All-Time Low | ₹4.20 |
Founded in 1978, Cholamandalam Investment and Finance Company Ltd (Chola) is a trusted financial services provider headquartered in Chennai. It primarily operates in retail vehicle finance, home loans, and small business lending. Over the years, Chola has maintained steady growth by balancing traditional lending practices with digital innovation.
Strong brand under the Murugappa Group
Expanding portfolio in vehicle, SME, and consumer finance
Strong asset quality and stable NPA ratios
Rapid adoption of digital loan platforms
Consistent financial performance and dividend payouts
| Investor Type | Holding (%) |
|---|---|
| Promoters | 49.90% |
| Foreign Institutions | 27.96% |
| Mutual Funds | 12.51% |
| Retail & Others | 6.08% |
| Other Domestic Institutions | 3.55% |
This strong promoter and institutional holding shows high investor confidence and long-term stability in the company.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 1,650 | 1,720 |
| 2026 | 1,850 | 1,950 |
| 2027 | 2,050 | 2,200 |
| 2028 | 2,300 | 2,500 |
| 2029 | 2,600 | 2,850 |
| 2030 | 2,900 | 3,200 |
These price targets are estimated based on Chola’s historical growth, credit quality, loan book expansion, and overall NBFC industry outlook.
In 2025, Chola Finance is expected to sustain moderate growth driven by strong demand in vehicle and SME loans.
Why?
Stable vehicle finance growth in rural and semi-urban India
Strong collection efficiency and low NPAs
Balanced funding and liquidity position
Investment Advice: Ideal for SIP investors focusing on stable growth and moderate risk.
By 2026, Chola’s digital lending initiatives and diversified product mix will drive stronger profitability.
Why?
Expansion into home loan and personal loan segments
Digital-first approach improving customer acquisition
Continued improvement in operational efficiency
Investment Advice: Hold for long-term; reinvest dividends to compound returns.
The company is likely to benefit from India’s economic expansion and credit demand in 2027.
Why?
Growth in rural lending and SME finance
Better asset quality management
Increased participation from institutional investors
Investment Advice: Accumulate during market dips; long-term growth remains strong.
By 2028, Chola could see accelerated growth supported by new loan products and fintech tie-ups.
Why?
Enhanced technology adoption for risk management
Broader loan diversification reducing credit risk
Strong return ratios and earnings visibility
Investment Advice: Continue investing regularly; suitable for medium- to long-term investors.
The company’s profitability and market reach may significantly expand in 2029 as NBFCs gain stronger footing in the economy.
Why?
Higher lending activity in Tier 2 and Tier 3 cities
Increased penetration in insurance and wealth products
Consistent improvement in cost-to-income ratio
Investment Advice: Hold for steady compounding and portfolio stability.
By 2030, Chola Finance could emerge as one of India’s top diversified NBFCs.
Why?
Diversified revenue sources and steady balance sheet growth
Increasing investor confidence and high promoter commitment
Expanding presence in new-age financial services
Investment Advice: Excellent long-term bet for consistent returns and capital appreciation.
Yes. Cholamandalam Investment and Finance Company Ltd is considered a fundamentally sound and growth-oriented NBFC. With its strong leadership, diversified business model, and stable asset quality, Chola is well-positioned for sustainable long-term growth.
Leading NBFC with nationwide presence
High promoter and institutional confidence
Consistent dividend distribution
Strong loan book and risk management practices
Fluctuations in interest rates impacting margins
Regulatory changes in the NBFC sector
Competition from new fintech players
Cholamandalam Investment and Finance Co. Ltd is a stable, growth-oriented company with a proven track record of performance. With a market capitalization of ₹1.35 lakh crore and growing focus on digital lending and customer expansion, Chola is poised to achieve new milestones.
Currently trading near ₹1,621, analysts expect Chola’s share price to reach between ₹2,900 and ₹3,200 by 2030. For investors seeking exposure to India’s financial growth story with manageable risk, Chola Finance remains a strong long-term option.
1. What is the Cholamandalam Investment share price target for 2025?
The target price for 2025 is expected between ₹1,650 and ₹1,720.
2. What is Chola’s 2030 share price target?
By 2030, the share price could reach ₹2,900–₹3,200 based on projected growth.
3. Who are the major shareholders of Chola Finance?
Promoters hold 49.90%, foreign investors 27.96%, and mutual funds 12.51%.
4. What is the market capitalization of Chola Finance?
As of October 2025, the company’s market cap stands at ₹1,35,936 crore.
5. Is Cholamandalam Investment a good long-term investment?
Yes, due to its strong fundamentals, diversified portfolio, and robust financial growth, it’s ideal for long-term investors.
Disclaimer: This article is for educational and informational purposes only. Please consult a certified financial advisor before making any investment decisions.
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