Cholamandalam Financial Holdings Limited - Asset Resilience Ratio

Latest as of September 2025: 6.37%

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. Read CHOLAHLDNG total debt and obligations for a breakdown of total debt and financial obligations.

Liquid Assets

Rs152.72 Billion

≈ $1.65 Billion USD Cash + Short-term Investments

Total Assets

Rs2.40 Trillion

≈ $25.94 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2025)

This chart shows how Cholamandalam Financial Holdings Limited's Asset Resilience Ratio has changed over time. See free cash flow generation of Cholamandalam Financial Holdings Limited to measure how efficiently the company converts operating cash flow to free cash.

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. For the complete balance sheet picture, see how large is Cholamandalam Financial Holdings Limited's balance sheet.

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
IIFL Finance Limited NSE:IIFL	Credit Services	3.34%
Peninsula Group Ltd TA:PEN	Credit Services	1.01%
Plenti Group Ltd AU:PLT	Credit Services	0.07%
Vaziva Sa PA:ALVAZ	Credit Services	2.08%
Fuji Finance Indonesia Tbk PT JK:FUJI	Credit Services	56.15%
Fast Finance SA WAR:FFI	Credit Services	69.30%
KRUNGTHAI CARD FGN BA 1 F:KRTA	Credit Services	0.00%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%

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	--

pp = percentage points

About Cholamandalam Financial Holdings Limited

NSE:CHOLAHLDNG India Credit Services

Market Cap

$2.84 Billion

Rs262.96 Billion INR

Market Cap Rank

#5030 Global

#223 in India

Share Price

Rs1400.40

Change (1 day)

+2.19%

52-Week Range

Rs1350.90 - Rs2014.80

All Time High

Rs2166.00