Cholamandalam Financial Holdings Limited - Asset Resilience Ratio
Cholamandalam Financial Holdings Limited (CHOLAHLDNG) has an Asset Resilience Ratio of 6.37% as of September 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. For the complete balance sheet picture, see CHOLAHLDNG total asset value.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2025)
This chart shows how Cholamandalam Financial Holdings Limited's Asset Resilience Ratio has changed over time. Read CHOLAHLDNG liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Cholamandalam Financial Holdings Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. See Cholamandalam Financial Holdings Limited defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rs105.06 Billion | 4.38% |
| Short-term Investments | Rs47.66 Billion | 1.99% |
| Total Liquid Assets | Rs152.72 Billion | 6.37% |
Asset Resilience Insights
- Limited Liquidity: Cholamandalam Financial Holdings Limited maintains only 6.37% 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 Financial Holdings Limited Industry Peers by Asset Resilience Ratio
Compare Cholamandalam Financial Holdings Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
goeasy Ltd
TO:GSY |
Credit Services | 0.41% |
|
Asia Sermkij Leasing Public Company Limited
BK:ASK |
Credit Services | 0.02% |
|
Qudian Inc
F:1QU |
Credit Services | 20.31% |
|
Solvar Ltd
AU:SVR |
Credit Services | 10.29% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Plenti Group Ltd
AU:PLT |
Credit Services | 0.07% |
Annual Asset Resilience Ratio for Cholamandalam Financial Holdings Limited (2005–2025)
The table below shows the annual Asset Resilience Ratio data for Cholamandalam Financial Holdings Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 2.39% | Rs53.59 Billion ≈ $579.54 Million |
Rs2.25 Trillion ≈ $24.29 Billion |
-0.26pp |
| 2024-03-31 | 2.64% | Rs46.74 Billion ≈ $505.52 Million |
Rs1.77 Trillion ≈ $19.13 Billion |
-13.38pp |
| 2023-03-31 | 16.02% | Rs209.97 Billion ≈ $2.27 Billion |
Rs1.31 Trillion ≈ $14.17 Billion |
+11.25pp |
| 2022-03-31 | 4.77% | Rs46.63 Billion ≈ $504.30 Million |
Rs977.72 Billion ≈ $10.57 Billion |
-3.13pp |
| 2021-03-31 | 7.90% | Rs69.97 Billion ≈ $756.70 Million |
Rs886.16 Billion ≈ $9.58 Billion |
-5.33pp |
| 2020-03-31 | 13.23% | Rs100.34 Billion ≈ $1.09 Billion |
Rs758.55 Billion ≈ $8.20 Billion |
+2.65pp |
| 2019-03-31 | 10.57% | Rs71.84 Billion ≈ $776.92 Million |
Rs679.37 Billion ≈ $7.35 Billion |
+0.62pp |
| 2018-03-31 | 9.95% | Rs10.27 Billion ≈ $111.03 Million |
Rs103.19 Billion ≈ $1.12 Billion |
+0.11pp |
| 2017-03-31 | 9.84% | Rs7.77 Billion ≈ $84.02 Million |
Rs78.92 Billion ≈ $853.54 Million |
+0.67pp |
| 2016-03-31 | 9.17% | Rs8.90 Billion ≈ $96.30 Million |
Rs97.07 Billion ≈ $1.05 Billion |
+7.70pp |
| 2015-03-31 | 1.47% | Rs4.48 Billion ≈ $48.43 Million |
Rs303.98 Billion ≈ $3.29 Billion |
+0.32pp |
| 2014-03-31 | 1.16% | Rs3.16 Billion ≈ $34.20 Million |
Rs273.59 Billion ≈ $2.96 Billion |
-0.63pp |
| 2013-03-31 | 1.78% | Rs4.13 Billion ≈ $44.67 Million |
Rs231.62 Billion ≈ $2.50 Billion |
+0.53pp |
| 2012-03-31 | 1.25% | Rs2.12 Billion ≈ $22.94 Million |
Rs169.00 Billion ≈ $1.83 Billion |
+0.43pp |
| 2011-03-31 | 0.83% | Rs1.04 Billion ≈ $11.26 Million |
Rs125.75 Billion ≈ $1.36 Billion |
-6.67pp |
| 2010-03-31 | 7.50% | Rs3.45 Billion ≈ $37.35 Million |
Rs46.07 Billion ≈ $498.24 Million |
-0.33pp |
| 2009-03-31 | 7.82% | Rs3.04 Billion ≈ $32.92 Million |
Rs38.91 Billion ≈ $420.78 Million |
+1.00pp |
| 2008-03-31 | 6.82% | Rs2.53 Billion ≈ $27.35 Million |
Rs37.07 Billion ≈ $400.93 Million |
+1.01pp |
| 2007-03-31 | 5.81% | Rs1.51 Billion ≈ $16.28 Million |
Rs25.92 Billion ≈ $280.28 Million |
+0.65pp |
| 2006-03-31 | 5.16% | Rs984.20 Million ≈ $10.64 Million |
Rs19.07 Billion ≈ $206.27 Million |
-0.84pp |
| 2005-03-31 | 6.00% | Rs736.80 Million ≈ $7.97 Million |
Rs12.27 Billion ≈ $132.72 Million |
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About Cholamandalam Financial Holdings Limited
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other … Read more