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Cholamandalam Investment and Finance Company Limited (Chola) incorporated in 1978 as the financial services arm of the Murugappa Group. Chola commenced business as an equipment financing company and has today emerged as a comprehensive financial services provider offering vehicle finance, home loans, loan against property, SME loans, Secured Business Personal Loans (SBPL), Consumer & Small Enterprises Loans (CSEL), Gold loans, Consumer Durable loans and a variety of other financial services to customers. Its strategy for long-term growth involves diversification and agile expansion. The company is deploying resources to strengthen its reach and offerings. This strategic diversification not only supports growth but also enhances portfolio resilience. To better address evolving customer needs, the company has entered the Consumer durable and Gold Loan businesses.
Chola actively engages in debt capital raising initiatives, constantly building relationships with key investors in the market. The Company’s financial risk management practices and overall market position contribute to its ability to raise funding at optimal rates, which is recognized as a strength by stakeholders. Chola’s Marketing and Corporate Communications department plays a pivotal role in driving business growth and enhancing brand visibility through innovative and customer-centric strategies using data driven marketing. By leveraging digital platforms, data-driven insights, and impactful storytelling, the team effectively engages with target audiences, builds brand credibility, and supports lead generation across various business lines.
The company is registered with Reserve Bank of India as an NBFC- Investment and Credit Company and is classified as an NBFC in Upper Layer (NBFC-UL) under the Scale Based Regulatory Framework for NBFCs. The Company is one of the premier diversified non-banking finance companies in India, engaged in providing Vehicle Finance, Home Loans, Loan against Property, SME loans and Unsecured Loans. The Company is primarily engaged in the business of financing. All the activities of the Company revolve around the main business. Further, the Company does not have any separate geographic segments other than India.
Products/ Services
Chola Gold Loan: Chola Gold Loan, a recently launched business division, provides a quick, secure, and hassle-free way to access essential funds, offering crucial financial support.
Car Loans: Chola provides loans for both new and used cars and cater to customers living in cities, rural and semi-urban areas. The company make the loan application and approval process fast and easy. The company do not get into time consuming paperwork rather it has digitized the entire process.
Two-Wheeler Loans: The company offers borrowers the flexibility to choose the loan repayment period. It also offers vehicle insurance services along with its loan for better experience.
Consumer And Small Enterprise Loan: The Consumer and Small Enterprise Loan (CSEL) division offers a range of financial solutions tailored to both salaried and self-employed professionals, as well as small businesses in the manufacturing, trading, and services sectors.
Commercial Vehicle Loans: Chola offers loans for all types of commercial vehicles. The company ensure its customers have the most seamless borrowing experience possible. Chola offers trained sales staff at the customers’ convenience and doorstep to help provide speedy disbursement.
Loan Against Property: Loan against property is a multi-purpose loan intended to finance all your dreams and that of your family members. This loan could be used for investing / expanding your business, or adding new business entities to supplement your income.
Construction Equipment Loans: Chola offers loans for the complete range of Construction Equipment towards earth moving, infrastructure, construction, mining, material handling etc and for new, used and refinance on machines & equipment.
Tractor & Farm Equipment Loans: Chola has been providing tractor finance for more than a decade.
Three-Wheeler Loans: Chola offers loans for new three-wheelers. Based on customer requirements, Chola offers customized solutions with quick and hassle free service.
Secured Term Loan: Chola Secured Term Loan a smart financial solution designed to meet customer capital needs with stability and security.
Secured Business Loans: The offerings by Secured Business Loans are best suited for self-employed, non-professionals in the businesses of trading, manufacturing and services.
Loan Against Securities: Loan Against Securities: Loan against securities offers loans to retail and HNI investors and promoters against the pledge of securities and mutual fund units.
Investment products of the company
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