Cholamandalam Investment and Finance | Sustainability Performance
Offers financial services including vehicle finance, home loans, and insurance products.
1978
India
10,001+ employees
Financial Services
$1B - 10B in revenue
$500M - 1B in profitability
Sustainability Ranking & Industry Benchmark
#9183
Overall#216
in India#434
in Financial ServicesSustainability Maturity
Sustainability Intent
Overview
Environmental
Carbon emissionsEnergy consumptionWaste ManagementWater ManagementNature and biodiversitySocial
Diversity and InclusionPay GapsExternalitiesGovernance
TargetsSDG ImpactESG scores and ExclusionsFinancial Data
Business performanceCapital & innovationAnalyst projections
Renewable energy
Critical
Waste generated
Leading
Female employees
Critical
Externalities
Leading
Market cap
Revenue
Renewable energy
Reveal data for 1 credit
4%2024
Industry rank: 96 out of 609
Total energy consumption
and % renewables
(MWh, % of consumption)
Industry rank: 96 out of 609
Total energy
Share of renewable energy
Industry benchmark
Renewable electricity
Reveal data for 1 credit
Industry rank: Beyond Top 100
Total electricity consumption
and % renewables
(MWh, % of consumption)
Industry rank: Beyond Top 100
Total electricity
Share of renewable electricity
Industry benchmark
Intensity
Energy consumption (direct) intensity (MWh /$M)
Water consumption intensity (m³ /$M)
Industry Benchmark
10.8
B/M 2.6
18.5
B/M 19.9
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Female employees
Reveal data for 1 credit
Share of female employees (%)
25
50
75
100
Company
Benchmark
Waste
Reveal data for 1 credit
21.22024
Total waste generated (tonnes)
Total waste
Recovered & recycled
Not-recovered & not-recycled
Industry Benchmark
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Controversy level
- Cholamandalam Investment and Finance Company Limited (Murugappa Group/Vellayan family controlled), Indian major nonbanking finance company (vehicle finance, home loans, SME loans), has faced sustained Indian RBI regulatory enforcement scrutiny over alleged inadequate AML/CTF controls at multiple Cholamandalam NBFC operations, plus the contested 2024 sustained share price volatility amid Indian NBFC sector regulatory pressure affecting Indian institutional shareholders.
Carbon emissions breakdown
Reveal data for 2 credits
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| 2020 | 2021 | 2022 | 2023 | 2024 | Benchmark | ||
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Biodiversity loss in km²
Reveal data for 2 credits
Biodiversity loss in terms of the equivalent land affected (km²e)
Total biodiversity loss (km²e)
Industry benchmark
Biodiversity loss in CO2e
Reveal data for 2 credits
Total biodiversity loss as CO2e tonnes
Total biodiversity loss (CO2e tonnes)
Industry benchmark
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Potential species loss
Reveal data for 2 credits
Estimated nature species lost due to corporate activity, expressed as Potentially Disappeared Fraction (PDF)
One row per year, with the latest at the top. Each driver uses its own scale.
Low ImpactHigh Impact
Industry benchmark
Biodiversity impact
Reveal data for 2 credits
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| 2021 | 2022 | 2023 | 2024 | 2025 | Benchmark | ||
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PDF: Potentially Disappeared Fraction (of species) due to corporate activities
Waste management
Reveal data for 2 credits
| KPI | Metric | Year | |||||
|---|---|---|---|---|---|---|---|
| 2020 | 2021 | 2022 | 2023 | 2024 | Benchmark | ||
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Water management
Reveal data for 2 credits
| KPI | Metric | Year | |||||
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| 2019 | 2020 | 2021 | 2022 | 2023 | Benchmark | ||
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Land use
Reveal data for 2 credits
| KPI | Metric | Year | |||||
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| 2015 | 2016 | 2017 | 2018 | 2019 | Benchmark | ||
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Diversity & inclusion
Reveal data for 3 credits
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Pay gap breakdown
Reveal data for 1 credit
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Externalities
Reveal data for 1 credit
| KPI | Metric | Year | |||||
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| 2021 | 2022 | 2023 | 2024 | 2025 | Benchmark | ||
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Market cap
Revenue
EBITDA
Operating margin
P/E ratio
Revenue & EBITDA
$256.9BFY2025 revenue
Total Annual
Revenue & EBITDA
($ B)
Annual revenue
EBITDA
3 year change
Margin trends
Margin as % of revenue
Gross margin
Operating margin
Net margin
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Free cashflow
Capex
Debt/equity ratio
Return on invested capital
2.0%FY2026
Return on invested capital (ROIC)
Industry benchmark
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Analyst revenue estimates & actuals
Analyst consensus vs actuals
($ B)
Actual revenue
Consensus estimates
Estimate only
128.8
▲ 79.4%
191.4
▲ 89.6%
256.9
▲ 85.3%
249.6
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Environmental policy coverage
Carbon reduction policy
Available
Human rights policy
Available
Recycling policy
Available
Workplace health & safety policy
Available
45%
Independent Directors
5 out of 11 incl. management
Overall score
70
Environment
53
Social
85
Governance
73
Exclusion screening
Adult content
Not available
Alcoholic
Not available
Animal testing
Not available
Firearms
Not available
Tobacco
Not available
Gambling
Not available
Nuclear
Not available
SDG impact
Reveal data for 5 credits
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SDG impact (historical)
Reveal data for 5 credits
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