Enclosed the Investor Presentation for the quarter ended 30 June, 2026

28 July, 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 ended 30 June, 2026. We enclose the investor presentation for the quarter ended 30 June, 2026. 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 June 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.) 59,263 12,693 22,421 58,766 1,49,977 1,52,740 NA 31,245 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 $10.2 Consolidated Years Existence B Turnover (FY25) Group Market Listed $52.54 cap (as on 30th Companies B Jun 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 Jun 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 2009 • HL platform digitization • 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 ₹2.54 • 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 2508. • Launched CSEL, SSBPL & SME business 2013 • Commenced HL Business • ROA back to Pre-COVID levels 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 – Q1 FY27 Particulars Q1 FY27 vs Q1 FY26 Disbursement Disbursement grew at 22% to Rs.29,612 Cr as compared to Rs. 24,325 Cr Business AUM Rs.2,33,586 Cr, a growth of 22%. NIM Improved to 8.2% as compared to 7.8% PBT Rs.2,220 Cr, a growth of 45% PBT – ROTA Improved to 3.7% as compared to 3.1% Return on Equity 21.2% as compared to 18.8% Stage 3 (90DPD) 3.29% in Q1 FY27 as compared to 3.16% of Q1 FY26. GNPA at 4.50% in Q1 FY27 as against 4.29% of Q1 FY26 and NNPA at 2.95% in Q1 NPA (RBI) FY27 as against 2.86% of Q1 FY26. CAR 19.81%. Tier I at 14.81% Business Particulars VF LAP HL CSEL SBPL SME Gold Chola Enablers No of Employees 45567 6959 9069 5504 4297 1118 1504 1864 75882 * No of Branches 1595 815 715 504 414 131 171 NA 1820 No of Customers 3378780 89537 173074 1372275 94708 13586 35944 NA 5157904 *804 LAP, 679 HL, 504 CSEL, 414 SBPL and 131 SME are co-located with VF & 7 locations for Head office Functions and Operations in Tamil Nadu Strong Geographical Presence Ladakh (1) Jammu & Kashmir (10) Punjab (35) Himachal Pradesh (26) Chandigarh (1) Uttarakhand (23) Haryana (52) Arunachal Delhi (9) Sikkim (3) Pradesh (1) Rajasthan (121) UP (121) Assam (43) Meghalaya (5) Bihar (77) Gujarat Mizoram (1) Madhya Pradesh (77) Tripura (6) (105) West Bengal (107) Dadra & Nagar Jharkhand (38) Maharashtra (164) Haveli (1) Goa (5) Chhattisgarh (87) Odisha (65) Telangana (118) Karnataka (165) Andhra Pradesh (91) Andaman & Nicobar (1) Puducherry (2) Tamil Nadu (180) Kerala (79) • 1820 branches across 26 states & 7 Union territories: 1595 VF, 815 LAP (804 co-located with VF), 715 HL (679 co-located with VF), 504 CSEL, 414 SBPL, 131 SME (all co-located with VF), 171 Gold & 7 locations for Head office Functions and Operations in Tamil Nadu • 87% locations are in Tier-III, Tier-IV, Tier V and Tier-VI towns Note: Figures in brackets represents total no. of branches as on 30th Jun 2026. 3 8 7 Y 2 4 Y 2 3 ic a 6 1 3 Y 2 5 l B r Y 2 4 r t h 1 1 9 6 9 1 1 6 4 2 F Y 2 6 2 5 % 2 0 % 2 2 % 3 3 % F Y 2 6 W e s t 1 7 1 6 8 8 1 6 4 9 1 F Y 2 2 4 % 1 9 % 2 2 % 3 5 % Q 1 F Y E a s t 7% 6% 9% 10% 13% 12% 9% 9% 80% 84% 82% 81% FY23 FY24 FY26 Q1FY27 8 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 38.5 Networth - Rs. In Crs (Note 2) *1417 *1965 2295 *3173 3657 4285 5098 6176 *8172 9560 11708 14296 *19556 23627 30404 Tier I (%) 11.0 11.1 10.5 13.0 13.3 13.6 13.2 12.6 15.3 15.1 16.5 14.8 15.1 14.4 14.7 CAR (%) *18.1 *19.0 17.2 *21.2 19.7 18.6 18.4 17.4 *20.6 19.1 19.6 17.1 *18.5 19.8 19.2 Return on equity (%) 13.9 18.1 17.1 15.8 16.7 18.1 19.6 20.9 15.2 16.9 20.4 20.6 20.6 19.8 19.7 EPS (Basic) - In Rs. 2.9 4.6 5.1 6.0 7.5 9.2 11.8 15.2 13.4 18.5 26.2 32.5 41.2 50.7 61.8 Dividend (%) 25% 35% 35% 35% 45% 55% 65% 65% 85% 100% 100 [Showing first 8,000 characters — download PDF for full document]