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July 22, 2026 The Manager The Secretary Listing Department BSE Limited, National Stock Exchange of India Ltd 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor Dalal Street, Fort, Plot No.C-1, Block G Mumbai 400 001 Bandra-Kurla Complex Bandra (E) Mumbai 400 051 Symbol: CHOLAHLDNG Scrip Code : 504973 Dear Sir / Madam, Sub: Submission of Business Responsibility and Sustainability Report Ref: ISIN - INE149A01033 Pursuant to Regulation 34(2)(f) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the Business Responsibility and Sustainability Report for the FY 2025-26. A copy of the report is also available on the website of the company www.cholafhl.com. We request you to kindly take the same on record. Thanking you, Yours faithfully, for CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED E KRITHIKA COMPANY SECRETARY Encl: As above Cholamandalam Financial Holdings Limited (Formerly known as TI Financial Holdings Limited) Dare House, 234, N.S.C Bose Road, Chennai - 600 001, India Tel: 91.44.4217 7770-5 Fax: 91.44.42110404 Website: www.cholafhl.com CIN -L65100TN1949PLC002905 Cholamandalam Financial Holdings Limited BUSINESS RESPONSIBILITY AND SUSTAINABILITY REPORT ANNEXURE - VII SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1. Corporate Identity Number (CIN) of the Listed Entity L65100TN1949PLC002905 2. Name of the Listed Entity Cholamandalam Financial Holdings Limited 3. Year of incorporation 9th September 1949 4. Registered office address ‘Dare House’, No. 234, NSC Bose Road, Chennai - 600 001, Tamil Nadu 5. Corporate address ‘Dare House’, No. 234, NSC Bose Road, Chennai - 600 001, Tamil Nadu 6. E-mail investorservices@cfhl.murugappa.com 7. Telephone 044 4090 7638 / 2530 6486 8. Website www.cholafhl.com 9. Financial year for which reporting is being done April 1, 2025 to March 31, 2026 10. Name of the Stock Exchange(s) where shares are listed National Stock Exchange of India Limited BSE Limited 11. Paid-up Capital `18,77,77,462 12. Name and contact details (telephone, email address) of the Mr. Sridharan Rangarajan, Director person who may be contacted in case of any queries on the Phone: 044 - 2530 6204 BRSR report E-mail: sridharanr@corp.murugappa.com 13. Reporting boundary - Are the disclosures under this report This report is prepared on consolidated basis, including the made on a standalone basis (i.e., only for the entity) or on Company’s associate/subsidiary companies, viz., Cholamandalam a consolidated basis (i.e. for the entity and all the entities Investment and Finance Company Limited (‘CIFCL’), referred which form a part of its consolidated financial statements, to as ‘lending business’ in this report, and Cholamandalam MS taken together). General Insurance Company Limited (‘CMSGICL’), referred to as ‘insurance business’ in this report. (Together the entities are referred to as ‘Group’) 14. Name of assessment provider B Thiagarajan & Co., Chartered Accountants 15. Type of assessment or assurance obtained Reasonable Assessment II. Products/Services 16. Details of business activities (accounting for 90% of the turnover): SN. Description of Main Activity Description of Business Activity % of Turnover of the entity 1 Financial Services Lending Business 77.97% 2 Insurance Business General Insurance Business 21.67% 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): % of Total Turnover SN. Product/Service NIC Code contributed 1 Lending [Vehicle Financing, Loan Against Property, Home Loans, K649 77.97% Secured Business and Personal Loans (SBPL), Small and Medium Enterprise Loans (SME), Consumer and Small Enterprises Loans (CSEL), and Gold Loans] 2 General Insurance [Motor, Health & Accident, Fire & Engineering, 6512 21.67% Crop, Accident, and Marine Insurance] Cholamandalam Financial Holdings Limited III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Locations Number of Plants* Number of Offices Total National NA 1,909 1,909 International NA Nil Nil * The group is not engaged in manufacturing activities, hence, this criterion is not applicable. 19. Markets served by the entity: a. Number of locations Locations Number Lending Business: 26 States & 7 Union Territories National (No. of States) Insurance Business: 23 States & 5 Union Territories International (No. of Countries) Nil b. What is the contribution of exports as a percentage of the total turnover of the entity? Nil. Services is offered to Indian market. c. A brief on types of customers Lending Business: The company focuses on retail borrowers, including First-time Borrowers (FTB) and New to Credit Customers (NTCC), ensuring financial inclusion. The following are the types of customers based on the products: (i) Vehicle Financing: Transport entrepreneurs, FTB and NTCC predominantly in geographies with limited presence of banks and other organized financiers. (ii) Loan against Property: Small business entrepreneurs against the collateral of self-occupied residential property. (iii) Home Loans: Underserved customers in Tier III, IV, V, and VI cities to enable them to achieve their dream of owning a home. It also serves customers from unorganized segments who receive their salaries in cash and women borrowers. (iv) Secured Business and Personal Loans (SBPL): Under-served self-employed non-professional customers (eg, grocery shop, dairy owners, unskilled labourers, low-salaried/cash-salaried workers). (v) Small and Medium Enterprise Loans (SME): Funding to Micro, Small, and Medium Enterprises (MSME) customers through various products like Term Loan against property as collateral, Equipment Finance against machinery as collateral, and supply chain finance for purchase and sales of inventory to their customers. This supports SME customers for their working capital needs. The company has also forayed into leasing, thereby enhancing the loan offerings to the borrowers as per their requirements and has recently started funding for specific solutions on rooftop solar installations to enterprises with an objective to promote the use of clean energy and reduce electricity costs. (vi) Consumer and Small Enterprises Loans (CSEL): Unsecured lending to retail customers, including NTCC through partnership business to support lower-income segment people, salaried, self-employed and proprietorships/ partnerships, etc. (vii) Gold Loans: Gold loans are offered to meet personal and business financial needs, with the objective of empowering individuals, strengthening household resilience, and supporting inclusive community development through accessible and affordable financing. General Insurance Business: Provides a wide range of general insurance services to both commercial and retail customers. The customer base includes corporates, small, micro, medium enterprises and individuals. The following are the types of insurance products offered: (i) Motor Insurance: Insurance coverage of vehicles - two-wheelers, four-wheelers, or commercial vehicles. Offers protection from financial liabilities arising out of an accident or physical damage to the vehicle. (ii) H ealth & Accident Insurance: Health insurance provides comprehensive coverage of medical expenses for individuals in instances of injuries, accidents or illnesses. Accident insurance provides complete financial protection to the insured against uncertainties, such as accidental death, accidental bodily injuries, partial/total disabilities, and permanent/ temporary disabilities resulting from an accident. Cholamandalam Financial Holdings Limited (iii) Fire & Engineering Insurance: Insurance coverage of property against losses or damages resulting from fire incidents to individuals and businesses from the financial impact of property damage or destruction caused by fire and allied perils. (iv) Crop Insurance: Protects farmers against financial losses due to uncertainties that may arise from crop failures/ [Showing first 8,000 characters — download PDF for full document]