Investor Presentation

November 6, 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: Presentation to Analyst / Investor This is further to our letter dated October 15, 2026 on the analyst / investor call scheduled today, November 6, 2026. Pursuant to Regulation 30(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, a copy of the presentation which will be shared with the analyst / investors is enclosed. The same is made available on the Company’s website www.cholafhl.com. We request you to kindly take the information 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 CORPORATE PRESENTATION – Q2-FY27 Murugappa Group in a Nutshell Cholamandalam Financial Holdings Limited (CFHL) (Core Investment Company) 43.48% 60.00% 49.50% Cholamandalam Cholamandalam MS Cholamandalam MS Investment and General Insurance Risk ServicesLimited Finance Company CompanyLimited (CMSRSL) Limited (CIFCL) (CMSGICL) • Subsidiary(as per Ind AS) •Joint Venture with Mitsui • Joint Venture with Mitsui • Associate(as per Companies Act) SumitomoInsurance Group, Japan Sumitomo Insurance Group, Japan • Listed Company • Subsidiary • Unlisted • Leading NBFC -Vehicle Finance, • U nlisted • Risk Managementand • Multi-line insurer Engineering Solutions - Loan against Property, Home Loans a) Personal -Motor, accident, health, Environment, Health and Safety and other Secured/Unsecured home Loans b) Commercial -Property, •Stock broking and distribution of Engineering, Marine, Liability and financial products through Group Accident & Health Subsidiary Companies Shareholding Pattern Shareholding Pattern as of September 30, 2026 Others, 16.38% FPI, 12.44% Promoters, 46.43% Mutual Funds, 24.79% Promoters Mutual Funds FPI Others s t i t u t i o n a l H o l d e r s ( M o r e t h a n 1 % p D o m e s t i c I n s t i t u t i o n a l H o l d i n g N A R A R O B E C O M U T U A L F U N D A / C C F C L A R G E A N D M I D C A P F U N D P P O N L I F E I N D I A T R U S T E E L T D - A / C N D A R A M M U T U A L F U N D A / C S U N D A I L A R G E & M I D C A P F U N D I S M U T U A L F U N D T R U S T E E L I M I T E D N D H A N L A R G E & M I D C A P F U N D A R O N I N M A L X I S Performance Highlights - Consolidated R s .in C r . P r o f it a 2 5 % r t a x E P S ( R 3 4 .2 1 7 % 2 9 .2 R s . in C r . P r o f it a f t ,3 0 ,4 7 r t a x E P Performance Highlights - Consolidated Profit After Tax (Rs.in crs) Profit After Tax (Rs. in crs) 1,800 3,500 3,309 1,631 3,287 1,600 1,520 3,000 1,400 1,214 2,474 1,155 1,200 2,500 2,291 1,000 2,000 1,500 9 13 1,000 - 165 CIFCL CMSGICL Others CFHL Consol 8 -200 -120 14 18 CIFCL CMSGICL Others CFHL Consol -400 H1 FY27 H1 FY26 Q2 FY27 Q2 FY26 Financial Performance & Metrics F H L - S t a n d a lo n e a r t ic u la r s ( R s . in C r ) n c o m e x p e n s e s r o f it B e f o r e T a x a x E x p e n s e r o f it A f t e r T a x F H L - S t a n d a lo n e a la n c e S h e e t ( R s . in e t w o r t h t h e r L ia b ilit ie s o t a l E q u it y a n d L ia b n v e s t m e n t s a n d B a n t h e r A s s e t s o t a l A s s e t s C I E - C h o la I n s u r a n c C r ) ilit ie k d e e E x it s s s ; V O H 2 F Y 2 7 3 5 . 3 1 . 6 3 3 . 6 1 . 4 3 2 . 2 A s o f 3 0 - S e p - 2 0 2 6 1 ,4 1 4 . 5 4 . 2 1 ,4 1 8 . 7 1 ,4 1 7 . 0 1 . 6 1 ,4 1 8 . 7 - V ir t u a l O f f ic e H 2 F Y 2 6 A s o f 3 1 - M a r - 2 0 1 ,3 9 9 1 ,4 0 4 1 ,4 0 4 1 ,4 0 4 I F C L is b u r s e m e n t s ( R s . in s s e t U n d e r M a n a g e m o . o f B r a n c h e s M S G I C L r o s s W r it t e n P r e m iu m n v e s t m e n t P o r t f o lio ( a r k e t p r e s e n c e ( B r a n M S R S L e v e n u e ( R s . in C r ) r o f it A f t e r T a x ( R s . in e t w o r t h ( R s . in C r ) n t ( R s . in ( R s . in C s . in C r ) h + C I E + V H 2 F Y 2 7 3 5 ,8 7 A s o f 3 0 - S e p - 2 0 2 6 2 6 8 ,0 0 1 ,9 5 H 2 F Y 2 7 4 ,6 1 A s o f 3 0 - S e p - 2 0 2 6 1 8 ,9 3 H 2 F Y 2 7 5 1 . 1 1 . 7 A s o f 3 0 - S e p - 2 0 2 6 5 7 . 1 H 2 F Y 2 6 2 4 ,4 4 A s o f 3 1 - M a r - 2 0 2 6 2 4 2 ,6 3 1 ,7 6 H 2 F Y 2 6 4 ,3 5 A s o f 3 1 - M a r - 2 0 2 6 1 9 ,0 1 H 2 F Y 2 6 4 3 . 3 2 . 6 A s o f 3 1 - M a r - 2 0 2 6 5 6 . 3 Regulatory Ratios of CFHL e g u l a t o r y R a t i o s a s a t w n e d F u n d s ( A ) d j u s t e d N e t w o r t h ( B ) i s k W e i g h e d A s s e t s ( C u t s i d e L i a b i l i t i e s ( D ) e t a s s e t s ( E ) n v e s t m e n t i n e q u i t y s h a p i t a l R a t i o ( B / C ) e g u l a t o r y m i n i m u m e v e r a g e R a t i o ( D / B ) e g u l a t o r y m a x i m u m n v e s t m e n t i n g r o u p c o e g u l a t o r y m i n i m u m S e p r t i c u a r e s m p a a n i e s ( F ) A s o f S e p t e m b e r 3 0 , 2 0 1 , 3 8 3 . 3 2 , 4 0 3 . 1 , 3 0 6 . 1 , 3 0 5 . 1 , 3 0 1 . 2 4 7 9 . 8 3 0 . 0 0 . 0 0 9 9 . 6 9 9 0 . 0 0 R s C A s o f M a r c h 3 1 , 2 0 2 6 1 , 3 6 1 . 1 3 1 , 9 4 9 . 9 1 , 2 9 5 . 5 4 . 5 1 , 2 9 4 . 7 1 , 2 9 3 . 4 2 4 6 6 . 0 9 3 0 . 0 0 0 . 0 0 0 2 . 5 9 9 . 9 0 2 9 0 . 0 0 0 Cholamandalam Investment and Finance Company Limited Disbursements VF –Vehicle Finance LAP –Loan Against Property SBPL –Secured Business & Personal Loan SME –Small & Medium Enterprises CSEL –Consumer & Small Enterprise LoanHL –Home Loan Assets Under Management VF –Vehicle Finance LAP –Loan Against Property SBPL –Secured Business & Personal Loan SME –Small & 13 Medium Enterprises CSEL –Consumer & Small Enterprise LoanHL –Home Loan Profitability and Net worth Profit after tax (₹Cr) Networth (₹Cr) Note: Q1FY27 net worth includes Rs.1,370 Crs & Q2FY27 net worth includes Rs.2,000 Crs CCD conversion. 2 4 ,7 1 5 1 6 8 2 4 ,5 4 7 Q 1F Y 2 6 e s e r v e s a n d S ,0 7 8 ,9 0 8 lu s E q u it y S h a r e C a p it ,8 9 5 ,7 2 6 l * T o t a * 3 4 ,4 7 1 7 2 3 4 ,3 0 3 Q 2F Y 2 7 l N e t w o r t h 3,284 2,291 1,654 1,630 1,136 1,155 Q1 Q1 Q2 Q2 H1 H1 FY26 FY27 FY26 FY27 FY26 FY27 Asset Ratios Shareholders’ Returns Ratios Chola – Assets Trend Business Overview VEHICLE FINANCE Vehicle Finance: Q2 & H1 FY27 Performance Sector outlook – Vehicle Finance business (1/2) Sector outlook – Vehicle Finance business (2/2) Cholas Position: Auto Industry Outlook Auto Industry Outlook Vehicle Finance - Disbursement/Portfolio Mix Statewise – Q2 FY27 Diversified across geography Disbursements - State wise Portfolio - State wise Dadra and Nagar Haveli Dadra and Nagar Haveli & & Daman and Diu Daman & Diu Karnataka MP AP 0.05% 0.04% Karnataka Maharashtra Maharashtra 5% 5% 6% Kerala 5% 5% 7% Kerala 11% 5% Puducherry 10% 4% Gujarat 0.2% Gujarat Puducherry 5% Telangana 5% 0.2% Goa 5% Goa Telangana 0.3% WEST 0.3% 4% WB SOUTH WEST Arunachal 4% 21% 29% WB 4% 21% SOUTH Pradesh 0.03% 8% TN Arunachal Pradesh 0.03% 9% TN Odisha 4% EAST NA icn od ba am a Isn 0.01% 28% N 2O 2R %TH 1% Delhi &An Nd ia com ba an O 0d .0is 1h %a 5% E 2A 9%ST N 2O 1R %TH 3% Island Delhi 0.5% Haryana 3% 3% Jharkhand 0.4% 1% Jharkhand 1% Haryana Tripura 7% 1% HP J&K Tripura 0.5% 1%0.4% J&KHP 7% Punjab 0.1% Chattisgarh 0.1% 0.2% Chattisgarh 0.1% 7% Punjab 5% 1% Rajasthan 1% Sikkim 4% 7% 5% 7% Rajasthan Bihar Chandigarh Sikkim 5% UP Bihar Assam, Chandigarh Assam, Uttarakhand Meghalaya, UP Meghalaya, Uttarakhand Mizoram Mizoram Vehicle Finance - Disbursement/Portfolio Mix – Q2 FY27 Vehicle Finance - Disbursement Mix – Quarter-wise Vehicle Finance - Portfolio Mix – Quarter-wise Ve [Showing first 8,000 characters — download PDF for full document]