Cholamandalam Financial Holdings Limited has informed the exchange regarding investor presentation

August 14, 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 July 31, 2026 on the analyst / investor call scheduled today, August 14, 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 – Q1-FY27 Murugappa Group in a Nutshell FINANCIAL AGRICULTURE ENGINEERING 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 30thJun 2026. Source: BSE Cholamandalam Financial Holdings Limited (CFHL) (Core Investment Company) 43.74% 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 June 30, 2026 Others, 16.48% Promoters, FPI, 12.87% 46.43% Mutual Funds, 24.22% 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 s N A R A R O B E C O M U T U A L F U N D A / C C A N F C M U T U A L F U N D - H D F C B S E 5 0 0 E T F V E S C O I N D I A 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 I P 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 A / N D H A N M U L T I C A P F U N D I T Y Performance Highlights - Consolidated Rs.in Cr. Revenue Profit after tax EPS (Rs.) Q1 FY27 11214 1789 42.92 20% 42% 39% Q1 FY26 9383 1260 30.81 Rs.in Cr. Revenue Profit after tax EPS (Rs.) YTD Mar-26 39,576 5,485 130.01 18% 16% 12% YTD Mar-25 33,460 4,740 115.76 Performance Highlights - Consolidated 1 ,6 5 6 C IF C ,1 3 o f i t A IC L F Y 2 F Y 2 O t h e r s r s ) 1 ,7 L C o ,2 6 0 s o l 5 ,2 2 0 C IF ,2 5 i t A f t e 2 5 3 Y T D M 4 8 4 G IC L a r - 2 6 T D M O t h e r - 2 5 5 ,4 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 Q 1 F Y 2 7 4 . 3 0 . 8 3 . 5 ( 0 . 8 4 . 3 A s o f 3 0 - J u n - 2 0 2 6 1 ,4 1 2 . 0 4 . 9 1 ,4 1 6 . 9 1 ,4 1 6 . 1 0 . 8 1 ,4 1 6 . 9 - V ir t u a l O f f ic e Q 1 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 Q 1 F Y 2 7 2 9 ,6 1 A s o f 3 0 - J u n - 2 0 2 6 2 5 4 ,3 9 1 ,8 2 Q 1 F Y 2 7 2 ,1 3 A s o f 3 0 - J u n - 2 0 2 6 1 9 ,1 7 Q 1 F Y 2 7 2 4 . 8 0 . 9 A s o f 3 0 - J u n - 2 0 2 6 5 7 . 3 Q 1 F Y 2 6 2 4 ,3 2 A s o f 3 1 - M a r - 2 0 2 6 2 4 2 ,6 3 1 ,7 6 Q 1 F Y 2 6 1 ,9 9 A s o f 3 1 - M a r - 2 0 2 6 1 9 ,0 1 Q 1 F Y 2 6 2 0 . 4 1 . 2 A s o f 3 1 - M a r - 2 0 2 6 5 6 . 3 Regulatory Ratios of CFHL Rs Crs As of As of Particulars June 30, 2026 March 31, 2026 Owned Funds (A) 1 ,360.66 1 ,361.19 Adjusted Networth (B) 30,812.80 31,949.94 Risk Weighed Assets ( C) 1 ,306.00 1 ,295.57 Outside Liabilities (D) 4.89 4.53 Net assets (E) 1 ,305.16 1 ,294.72 Investment in equity shares of group companies (F) 1 ,302.79 1 ,293.46 Capital Ratio (B / C) 2359.32% 2466.09% Regulatory minimum 30.00% 30.00% Leverage Ratio (D / B) 0 .0002 0 .0001 Regulatory maximum 2 .50 2 .50 Investment in group companies (F / E) 99.818% 99.902% Regulatory minimum 90.000% 90.000% Cholamandalam Investment and Finance Company Limited Disbursements Disbursements (₹Cr) Disbursements (%) 0.4% 2% 8% 7% 7% *1,11,642 7% 6% *1,00,869 2,469 13% 12% 9% 12% 7,363 *88,725 7,404 10,249 9% 8% 7% r em m ue ts 6,362 12,552 7,312 18% 19% s ny s 15% 18% 16% o co c 11,281 7,763 CE 20,459 1% 2% 1% 1% 1% 8,106 17,913 1,667 Em 13,554 1,316 Sts 1,074 *29,612 54% 54% 56% 56% 56% 62,123 *24,325 1,797 53,922 48,348 1,764 3,408 m 2,046 1,992 e 1,705 4,780 o t Auts y 4 3,7 50 95 379 o c 13,647 16,503 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 VF SBPL LAP SME CSEL HL GOLD * Total Disbursements VF SBPL LAP SME CSEL HL GOLD VF –Vehicle Finance LAP –Loan Against Property SBPL –Secured Business & Personal Loan SME –Small & Medium Enterprises CSEL –Consumer & Small Enterprise Loan HL –Home Loan Assets Under Management Business - Assets under Management (₹Cr) Business - Assets under Management (%) 0.1% 1% 10% 10% 10% 10% *2,33,586 *2,24,334 2,143 8% 8% 7% 7% 7% 1,804 22,688 23,644 3% 4% 4% 4% 4% *1,92,148 15,884 *1,84,746 15,113 97 r e m u s n Com e ts y s o c *1,45,572 648 ,6,, 54 272 837 59 2,3 ,23 98 749 ,1,, 13 199 999 59 4, ,9 12 33 2 11 %% 2 12 %% 2 23 %% 2 13 %% 2 23 %% 13,404 1 1,430 41,439 43,943 3,730 3,537 Em 4,977 M S Me ts y 29,859 2,422 2,671 c 1,404 E 58% 55% 53% 55% 53% 1,19,558 1,24,132 1,01,257 1,04,720 e 84,498 o tuts FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q1 FY27 VF SBPL LAP SME CSEL HL GOLD * Total AUM VF SBPL LAP SME CSEL HL Gold VF –Vehicle Finance LAP –Loan Against Property SBPL –Secured Business & Personal Loan SME –Small & Medium Enterprises CSEL –Consumer & Small Enterprise Loan HL –Home Loan Profitability and Net worth Profit after tax (₹Cr) Networth (₹Cr) 5220 4259 3423 1654 1136 FY24 FY25 FY26 Q1 FY26 Q1 FY27 1 9 ,51 9 ,3 8 Y 2 4 s e r v s a n d ,6 2 7 ,4 5 9 p lu s E q * 3 0 ,4 0 4 1 7 0 3 0 ,2 3 4 F Y 2 6 u it y S h a r e C a 2 4 ,7 1 5 1 6 8 2 4 ,5 4 7 1 F Y 2 6 it a l * T o t a l N 2 ,0 7 81 1 ,9 0 8 F Y 2 e t w o r t h Note: FY26 and Q1FY27 net worth includes Rs.1370 Crs of CCD conversion. 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