Arul Selvan D, President and CFO, Cholamandalam Investment & Finance Company Limited
The American rates have created increased uncertainty among companies, so that they can stop investments in future growth, according to a director of Cholamandalam Investment & Finance Company Limited (CIFCL).
“It will eventually settle up to a certain point, but now this rate problem is again discussed; they [US] Said 25 percent, but again, there is a wildcard in the name of the punishment … This ambiguity ensures that people do not take orders and they wait a bit on the fence, “said Arul Selvan D, President and CFO, CIFCL.
The Murugappa Group NBFC is busy with vehicle financing, home loans, mortgage loans, SME loans and more recent gold loans, and although it is not directly involved in capital investments, Selvan remarks a fall as insufficient Capex for consumption and other electric segments. “This is more a secondary order, but it still has his implications,” he added.
CIFCL announced the results for the quarter of June for the quarter of June and said that the total assets in control (AUM) from 30 June 2025 at £ 2,07.663 crore (an increase of 23 percent JoJ). The aggregated payouts remained close to Q1 FY26 were at £ 24,325 crore against £ 24,332 crore in Q1 FY25.
Given the ambiguity around both rates and the monsoons currently, CIFCL is now leading to a growth of 20-23 percent in AUM in FY26, compared to an original growth rate that it expected of around 23-25 percent. “As long as the monsoon is reasonable, we should still be able to clock it,” Selvan said. The NBFC grew around 27 percent growth in FY25. “The credit demand and growth is largely dependent on how the monsoons are doing and when the geopolitical issues settle,” he added.
With regard to the payouts that remain flat this quarter, the CFO said that during the quarter they took the performance of the analysis of product lines and only pursue the profitable lines and gradually carry out some of the less profitable lines. “The consumer loans under fintech partnerships were unprofitable because they led to slightly higher losses. So there we have already started slowing down Q4FY25 and now in Q1FY26 we have completely stopped paying out,” he said.
One area that the Bullish company is left is, however, Gold Loan Business, which was recently entered into in April, in Select Geographies. The company paid almost £ 100 crore of gold loans in Q1FY26 and anticipates the AUM under this segment to hit £ 800-1,000 crore by the end of the tax, because of the question.
Published on August 3, 2025
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