General Updates

July 6, 2026 The Secretary The Secretary National Stock Exchange of India Limited BSE Ltd. Capital Market – Listing, Exchange Plaza, 5th Floor, 25th Floor, Phiroze Jeejeebhoy Towers Plot No. C/1, G Block, Bandra-Kurla Complex, Dalal Street, Fort Bandra (E), Mumbai 400 051 Mumbai 400 001 NSE SCRIP CODE: CHOLAFIN EQ BSE SCRIP CODE: 511243 Dear Sir, Sub: Submission of Business Responsibility and Sustainability Report Ref: ISIN - INE121A01024 We submit herewith the Business Responsibility and Sustainability Report for FY 2025-26 of the Company pursuant to Regulation 34(2)(f) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The copy of the same is also available on the website of the Company www.cholamandalam.com. Thanking you, Yours faithfully, For Cholamandalam Investment and Finance Company Limited P. Sujatha Company Secretary Encl.: As above Cholamandalam Investment and Finance Company Limited Business Responsibility & Sustainability Report SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1 Corporate Identity Number (CIN) of the Listed Entity L65993TN1978PLC007576 2 Name of the Listed Entity Cholamandalam Investment and Finance Company Limited 3 Year of incorporation 17 August, 1978 4 Registered office address Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. 5 Corporate address Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. 6 E-mail investors@chola.murugappa.com 7 Telephone 044 - 4090 7172 8 Website https://www.cholamandalam.com/ 9 Financial year for which reporting is being done 1 April 2025 to 31 March, 2026 10 Name of the Stock Exchange(s) where shares are National Stock Exchange of India Limited (NSE) and BSE Limited listed 11 Paid-up Capital ₹170.48 crores 12 Name and contact details (telephone, email address) DIN: 07337155 of the person who may be contacted in case of any Name: Mr. Ravindra Kumar Kundu queries on the BRSR report Designation: Managing Director & CEO Telephone number: 044 - 4090 7172 E-mail id: kundur@chola.murugappa.com 13 Reporting boundary - Are the disclosures under The disclosures under this report are made on standalone basis for this report made on a standalone basis (i.e. only for Cholamandalam Investment and Finance Company Limited. the entity) or on a consolidated basis (i.e. for the entity and all the entities which form a part of its consolidated financial statements, taken together). 14 Name of assurance provider B. Thiagarajan & Co., Chartered Accountants 15 Type of assurance obtained Reasonable Assurance has been provided for BRSR core indicators for the period 1 April, 2025 to 31 March, 2026 II. Products/services 16. Details of business activities (accounting for 90% of the turnover): S. No. Description of Main Activity Description of Business Activity % of Turnover of the entity (i) Financial Services – Lending The Company provides Vehicle Finance, Home Loans, 94.21% Loan Against Property, Secured Business and Personal Loans, Consumer and Small Enterprises Loans, Small and Medium Enterprises Loans, Consumer Durables and Gold Loans. 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): S. No. Product/Service NIC Code % of total Turnover contributed (i) Financial Services (Lending) - Vehicle Finance, Home Loans, Loan against K649 94.21% Property, Secured Business and Personal Loans, Consumer and Small Enterprises Loans, Small and Medium Enterprises Loans, Consumer Durables and Gold Loans. III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Total National - 1,761 1,761 International - - - 102 Annual Report / 2025-26 Company Overview 01-51 Management Report 52-141 Financial Statements 142-342 19. Markets served by the entity: a. Number of locations Locations Number National (No. of States) 26 States / 7 Union Territories International (No. of Countries) - b. What is the contribution of exports as a percentage of the total turnover of the entity? Not Applicable c. A brief on types of customers The Company offers a wide range of financing solutions tailored to rural and semi-urban customers, primarily targeting retail clients such as first-time borrowers (FTB) and new-to-credit customers (NTCC). It serves customers from various sectors, providing loans for diverse purposes including the purchase of vehicles for personal or commercial use, home purchases and for other personal or business needs. Chola caters to a diverse range of customers across its various business and addresses various social commitments including funding to marginalised segments, such as under served self employed and cash-salaried individuals, etc. The Company practices and upholds financial inclusion as a core principle of responsible business. Following are the types of customers based on products: Vehicle Finance (VF): The Company provides financing for the purchase of commercial vehicles, cars, multi-utility vehicles, three-wheelers, two-wheelers, tractors, and construction equipment, covering both new and used vehicles through its branches pan-India. • In its commitment to responsible business practices, the Company is funding electric vehicles across all segments to help reduce environmental pollution. • Financial inclusion is another key focus for Chola. The Company extends loans to New to Credit customers(NTCC), thus ensuring financial inclusion. • Additionally, the Company provides special schemes to women borrowers for the purchase of vehicles from time to time. This initiative encourages women to purchase vehicles, thereby enabling them to be more independent and empowered. This also helps in creating more women entrepreneurs. • By primarily operating in tier III to tier VI cities, the Company ensures that financial inclusion is achieved, by providing underserved communities with access to credit. This initiative helps improve the financial standing of individuals in these areas and enhances their standard of living. • As part of Chola’s commitment to responsible lending, we recognise the importance of supporting sustainable agricultural practices. The Company offers loans to agri customers who lack access to organised finance for purchase of farm equipment, tractors etc. This helps in enhancing farmers’ productivity, reduces manual labour and contributes to the overall growth of the agricultural sector. • Funding to fuel-efficient farm equipment and tractors reduces the carbon footprint of farming activities, thereby contributing to our environmental sustainability goals. b. Loan against Property (LAP): LAP product provides access to credit for individuals and businesses in need, thereby promoting financial inclusion and economic empowerment. • This product segment has an extensive network in tier 2+ cities, where banking penetration is limited, ensuring that the Company's financial services reach the underserved population. The Company's presence in these cities helps promote financial inclusion, economic growth, and social development. • This financing supports infrastructure projects, including building of roads, construction of warehouses, industrial facilities and commercial buildings for economic growth and urban development. • The segment provides financial assistance for educational purposes, making quality education more accessible, and thereby promoting social mobility and economic growth. • The Company's financing solutions help women access the funds they need to start or grow their businesses, promoting economic independence. social mobility thereby aiding women empowerment and gender equality. c. Home Loans business focusses on providing Home Loans under affordable segment with pan India presence. • The Company offers loans for self-construction, purchase of resale flats/independent houses, purchase of new flats/independent houses, mixed-use properties (residential [Showing first 8,000 characters — download PDF for full document]