Enclosed the investor presentation for the quarter ended 30-Sep-2026.

28 October, 2026 The Secretary The Secretary National Stock Exchange of India Limited BSE Ltd. Trade World, 4th Floor, Kamala Mills Compound, 1st Floor, P.J. Towers Senapati Bapat Marg, Dalal Street, Fort, Lower Parel, Mumbai 400 001 Mumbai 400 013 Dear Sir / Madam, Sub.: Investor Presentation for the quarter and half year ended 30 September, 2026. We enclose the investor presentation of the Company for the quarter and half year ended 30 September, 2026. The aforesaid presentation is also being made available on the website of the Company. We request you to kindly take the same on record. Thanking you, Yours faithfully, For Cholamandalam Investment and Finance Company Limited P. Sujatha Company Secretary Encl.: As above CORPORATE PRESENTATION September 2026 Table of Contents 4. Business Segments Overview…........................................................................ 24 i. Vehicle Finance (VF) ii. Secured Business & Personal Loan (SBPL)…………………………………. 57 iii. Small and Medium Enterprises (SME)……………………………….......... 58 ii. Consumer & Small Enterprise Loan (CSEL)…………………………………. 73 9. Environmental Social Governance……………………………………………………………..... 100 2 Murugappa Group Overview Murugappa Group in a Nutshell AGRICULTURE ENGINEERING FINANCIAL SERVICES Market Cap(Cr.) 51,746 12,217 23,851 45,938 1,35,490 1,38,574 NA 26,010 31,480 38,534 52,063 22,221 12,418 31,073 4,840 39,073 Turnover (Cr.) 1,898 1,380 1,678 1,116 1,199 5,233 331 5,485 PAT(Cr.) 126 Years of $11.1 Consolidated Years Existence B Turnover (FY26) Group Market Listed $46.16 cap (as on 30th Companies B Sep 2026) Manufacturing 50 Geographical 113 Locations Countries Presence Locations 29+ 94,000 Businesses Work force Note: Financial Performance are of FY 25-26. Market data as on 30th Sep 2026. Source: BSE Chola Finance Corporate Overview Our journey so far • Equipment financing & 2016 2026 • VF business • New LEAP LOS Digital platform • Launched Gold loan • Started Chola Securities business. 2017 • GaadiBazaar dealer platform • Total AUM crossed ₹2.42 2006 lakh Cr. • JV with DBS bank Singapore 2018 commenced Consumer • Gen 3 scoring model • Increased branch and Finance and Loan Against RLH network to 2452. Property (LAP) Business 2019 • PAT crossed Rs.1000 Cr • Gold loan branch stood 2009 • HL platform digitization at 119 by March 2026. • Exited Consumer Finance • HRMS SaaS solution business • AI/ML based scoring model FY 1979-2010 FY 2010-2015 FY 2016-2020 FY 2021-2025 FY 2026 FY 2027 2011 2021 2027 • Terminated JV with DBS • LAP platform digitization • Total AUM crossed ₹2.68 • Mobile app rollout • Covid pandemic - registered a growth in assets lakh Cr. of 16% and a growth of 44% in PAT 2012 • Increased branch and RLH • Commenced Tractor Business 2022 network to 2647. • Launched CSEL, SSBPL & SME business 2013 • By end of Sep 2026 Gold • Commenced HL Business • ROA back to Pre-COVID levels loan branches increased to 308. 2014 • Chola classified as UL category • Commenced CE Business 2024 • Launched a composite QIP issue of equity 2015 shares and CCD aggregating to Rs.4,000 Cr. 6 • GNPA recognition at 150 Days • Launch of public debt. Highlights – Q2 FY27 & H1 FY27 Particulars Q2 FY27 vs Q2 FY26 H1 FY27 vs H1 FY26 Disbursement grew by 47% to Rs.35,872 Cr as Disbursement grew by 34% to Rs.65,484 Cr as Disbursement compared to Rs. 24,442 Cr compared to Rs. 48,767 Cr Business AUM Rs.2,48,045 Cr, a growth of 25%. NIM Maintained at 7.9% Improved to 8.0% as compared to 7.8% Grew by 40% to Rs.2,188 Cr as compared to Rs. Grew by 43% to Rs.4,409 Cr as compared to Rs. 1561. 3,090. PBT – ROTA Improved to 3.4% as compared to 3.0% Improved to 3.5% as compared to 3.1% Return on Equity Improved to 19.4% as compared to 18.1% Improved to 20.3% as compared to 18.5% Stage 3 (90DPD) 3.25% in Q2 FY27 as compared to 3.35% of Q2 FY26. GNPA at 4.44% in Q2 FY27 as against 4.57% of Q2 FY26 and NNPA at 2.92% in Q2 FY27 as against NPA (RBI) 3.07% of Q2 FY26. CAR 20.62%. Tier I at 16.02% Business Particulars VF LAP HL CSEL SBPL SME Gold Chola Enablers No of Employees 46711 7463 9334 6134 4381 1215 2293 1960 79491 * No of Branches 1595 830 758 504 414 135 308 NA 1958 No of Customers 3543033 93737 180422 1701230 99792 15389 51128 NA 5684731 *819 LAP, 721 HL, 504 CSEL, 414 SBPL and 135 SME are co-located with VF & 7 locations for Head office Functions and Operations in Tamil Nadu Strong Geographical Presence 119 171 Ladakh (1) 724 691 688 689 Jammu & Kashmir (10) Punjab (35) Himachal Pradesh (26) Chandigarh (1) 1613 1642 1649 1650 Uttarakhand (23) Haryana (51) Arunachal Delhi (9) Sikkim (3) Pradesh (1) Rajasthan (121) UP (121) Assam (43) FY25 FY26 Q1FY27 Q2FY27 Physical Branch RL Gold Meghalaya (5) Bihar (77) Gujarat Mizoram (1) Madhya Pradesh (78) Tripura (6) (105) 25% 25% 24% 22% West Bengal (108) Dadra & Nagar Jharkhand (38) Haveli (1) Maharashtra (164) 23% 20% 19% 18% Goa (5) Chhattisgarh (87) Odisha (65) 22% 22% 22% Telangana (163) 30% 33% 35% 40% Karnataka (212) Andhra Pradesh (128) FY24 FY26 Q1FY27 Q2FY27 Andaman & Nicobar (1) Puducherry (2) South North West East Tamil Nadu (188) Kerala (79) 9% 10% 11% 12% 9% 9% 10% • 1958 branches across 26 states & 7 Union territories: 1595 VF, 830 LAP (819 co-located with VF), 758 HL (721 co-located with VF), 504 CSEL, 414 SBPL, 135 SME (all co-located with VF), 84% 82% 81% 79% 308 Gold & 7 locations for Head office Functions and Operations in Tamil Nadu • 85% locations are in Tier-III, Tier-IV, Tier V and Tier-VI towns FY24 FY26 Q1FY27 Q2FY27 Note: Figures in brackets represents total no. of branches as on 30th Sep 2026. Rural Semi-Urban Urban Financial Overview Financial Snapshot —15 Years ₹ Cr Recovery and Stabilsation COVID New Growth FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 CAGR CAGR CAGR Financials Snapshot YoY (10 (15 IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP INDAS INDAS INDAS INDAS INDAS INDAS INDAS INDAS INDAS (5 years) years) years) Disbursements 8,889 12,118 13,114 12,808 16,380 18,591 25,114 30,451 29,091 26,043 35,490 66,532 88,725 1,00,869 1,11,642 11% 33% 22% 20% Assets under management 13,846 19,640 24,155 26,191 30,362 35,110 43,629 57,560 66,943 76,518 82,904 1,12,782 1,53,718 1,99,876 2,42,630 21% 31% 24% 23% Total Income 1,788 2,556 3,263 3,691 4,194 4,660 5,529 6,962 8,468 9,576 10,139 12,978 19,216 25,896 31,006 20% 32% 23% 23% Gain on Assignment - - - - - - - 87 247 - - - - 159 439 176% Interest expenses 988 1,411 1,771 1,960 2,051 2,231 2,659 3,589 4,592 4,576 4,299 5,749 9,231 12,485 14,374 15% 35% 23% 21% Net Income 800 1,145 1,492 1,731 2,143 2,429 2,870 3,460 4,123 5,000 5,840 7,229 9,986 13,570 17,071 26% 31% 24% 24% Operating Expenses 437 570 658 749 845 1,013 1,115 1,270 1,578 1,583 2,069 2,780 4,082 5,339 6,574 23% 34% 23% 21% Operating Profit Before Loan Losses 363 575 834 982 1,298 1,416 1,754 2,190 2,545 3,416 3,771 4,449 5,904 8,231 10,496 28% 29% 25% 27% Loan Losses & Provision 73 124 283 325 427 311 353 367 959 1,378 880 850 1,322 2,494 3,536 42% 42% 31% 32% Profit before tax 290 451 550 657 871 1,105 1,401 1,823 1,586 2,038 2,891 3,600 4,582 5,737 6,961 21% 25% 23% 25% Profit after tax 173 307 364 435 568 718 918 1,186 1,052 1,515 2,147 2,666 3,423 4,259 5,220 23% 25% 25% 28% Ratios 0 0 - - 0 -1 0 -0 - -0 0 0 *Total Income to assets (%) 16.6 16.9 16.8 16.9 17.1 16.5 14.8 14.2 14.6 14.0 13.7 13.8 14.4 14.8 14.8 Cost of Funds to assets (%) 9.2 9.3 9.1 9.0 8.4 7.9 7.1 7.2 7.7 6.7 5.8 6.1 6.9 7.1 6.8 Net Income to assets (%) 7.4 7.6 7.7 7.9 8.7 8.6 7.7 7.0 6.9 7.3 7.9 7.7 7.5 7.7 8.0 Expense to assets (%) 4.1 3.8 3.4 3.4 3.4 3.6 3.0 2.6 2.6 2.3 2.8 3.0 3.1 3.0 3.1 Losses and provisions (%) 0.7 0.8 1.5 1.5 1.7 1.1 0.9 0.7 1.6 2.0 1.2 0.9 1.0 1.4 1.6 Return on assets (PBT) (%) 2.7 3.0 2.8 3.0 3.6 3.9 3.7 3.7 2.7 3.0 3.9 3.8 3.4 3.3 3.3 Return on assets (PAT) 1.6 2.0 1.9 2.0 2.3 2.5 2.5 2.4 1.8 2.2 2.9 2.8 2.6 2.4 2.5 Cost to Net Income (%) 54.6 49.8 44.1 43.3 39.4 41.7 38.9 36.7 38.3 31.7 35.4 38.5 40.9 39.3 [Showing first 8,000 characters — download PDF for full document]