Cholamandalam Investment and Finance Company Limited - Asset Resilience Ratio

Latest as of March 2025: 2.34%

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has an Asset Resilience Ratio of 2.34% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check CHOLAFIN capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Rs47.32 Billion

≈ $511.75 Million USD Cash + Short-term Investments

Total Assets

Rs2.02 Trillion

≈ $21.83 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2025)

This chart shows how Cholamandalam Investment and Finance Company Limited's Asset Resilience Ratio has changed over time. See CHOLAFIN net asset quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Cholamandalam Investment and Finance Company Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see CHOLAFIN market cap.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs47.32 Billion	2.34%
Short-term Investments	Rs0.00	0%
Total Liquid Assets	Rs47.32 Billion	2.34%

Asset Resilience Insights

Limited Liquidity: Cholamandalam Investment and Finance Company Limited maintains only 2.34% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Cholamandalam Investment and Finance Company Limited Industry Peers by Asset Resilience Ratio

Compare Cholamandalam Investment and Finance Company Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Vakif Finansal Kiralama AS IS:VAKFN	Credit Services	0.62%
Mastercard Inc NYSE:MA	Credit Services	0.60%
Indian Railway Finance Corporation Limited NSE:IRFC	Credit Services	0.09%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
EN Shoham Business Ltd TA:SHOM	Credit Services	0.05%
Harmoney Corp Ltd AU:HMY	Credit Services	0.00%
FORIS AG F:FRS	Credit Services	0.54%
Mint Corp V:MIT	Credit Services	0.00%

Annual Asset Resilience Ratio for Cholamandalam Investment and Finance Company Limited (2005–2025)

The table below shows the annual Asset Resilience Ratio data for Cholamandalam Investment and Finance Company Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	2.34%	Rs47.32 Billion ≈ $511.75 Million	Rs2.02 Trillion ≈ $21.83 Billion	+0.62pp
2024-03-31	1.72%	Rs26.98 Billion ≈ $291.77 Million	Rs1.57 Trillion ≈ $16.95 Billion	+2.79pp
2023-03-31	-1.07%	Rs-12.16 Billion ≈ $-131.51 Million	Rs1.14 Trillion ≈ $12.29 Billion	-2.77pp
2022-03-31	1.70%	Rs14.03 Billion ≈ $151.76 Million	Rs824.79 Billion ≈ $8.92 Billion	+3.63pp
2021-03-31	-1.93%	Rs-14.38 Billion ≈ $-155.53 Million	Rs746.44 Billion ≈ $8.07 Billion	-2.40pp
2020-03-31	0.47%	Rs3.04 Billion ≈ $32.86 Million	Rs640.49 Billion ≈ $6.93 Billion	-4.23pp
2019-03-31	4.70%	Rs27.03 Billion ≈ $292.30 Million	Rs574.90 Billion ≈ $6.22 Billion	+4.50pp
2018-03-31	0.20%	Rs795.70 Million ≈ $8.61 Million	Rs395.68 Billion ≈ $4.28 Billion	+0.02pp
2017-03-31	0.18%	Rs546.57 Million ≈ $5.91 Million	Rs307.25 Billion ≈ $3.32 Billion	+0.17pp
2016-03-31	0.01%	Rs35.87 Million ≈ $387.92K	Rs278.89 Billion ≈ $3.02 Billion	-0.03pp
2012-03-31	0.05%	Rs62.74 Million ≈ $678.48K	Rs134.89 Billion ≈ $1.46 Billion	-1.71pp
2006-03-31	1.76%	Rs370.97 Million ≈ $4.01 Million	Rs21.06 Billion ≈ $227.76 Million	-4.29pp
2005-03-31	6.05%	Rs1.04 Billion ≈ $11.23 Million	Rs17.17 Billion ≈ $185.65 Million	--

pp = percentage points

About Cholamandalam Investment and Finance Company Limited

NSE:CHOLAFIN India Credit Services

Market Cap

$15.45 Billion

Rs1.43 Trillion INR

Market Cap Rank

#1606 Global

#54 in India

Share Price

Rs1693.40

Change (1 day)

+0.27%

52-Week Range

Rs1354.70 - Rs1805.40

All Time High

Rs1805.40