About Chola MS GIC
Chola MS GIC is a publicly listed company based in Chennai (India) founded in 1900. General Insurance. The company has 64,900 employees. Its website cholainsurance.com draws about 591 thousand monthly visits. Its Indian entity Cholamandalam Investment And Finance Company Limited reported revenue of βΉ31,539 Cr. Chola MS GIC offers products and services including Car Insurance, Two Wheeler Insurance, Health Insurance, Travel Insurance, and Home Insurance. Its focus areas include Insurance Carriers, Property & Casualty and Diversified. Its competitors include Bharti AXA GI, Manomay and Skylife Event Insurance.
Company details
Cholamandalam MS General Insurance is a joint venture betweentwo groups - Indias Murugappa Group and Japans Mitsui Sumitomo.The company has 105 branches and 9000 agents spread all over the country. They offer a wide range of insurance polices across all general insurance segments - health, car, travel, home and personal accident. For corporates, it offers policies on health, fire, engineering, property, marine and liability. Sumitomo increased its stake to 40 after purchasing 14 stake from Tube Investments of India Ltd.
- Market Cap₹1,50,922 Cr
CHOLAFIN · NSE
- Share Price₹1,785.00
+1.42% today
- Revenue₹31,120 Cr
FY 2025-26 · +20.2% YoY
- EBITDA₹21,222 Cr
Margin 68.2%
- Net Profit₹5,238 Cr
FY 2025-26 · +22.8% YoY
- P/E (TTM)22.9x
P/B 4.1x
- ROE19.3%
ROCE 9.7%
- Debt / Equity7.13
Interest cover 68.7x
- Latest Funding Round$15.41M (USD), Debt – Conventional
May 2017
- Employee Count64,900
Associated legal entities of Chola MS GIC
Chola MS GIC is associated with 3 registered companies on The Company Check; the primary company is Cholamandalam Investment And Finance Company Limited, a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Cholamandalam Investment And Finance Company Limited Listed CIN L65993TN1978PLC007576 | Active | 17 Aug 1978 | Chennai City Corporation, Tamil Nadu | ₹31,539 Cr | 44,005 | 10 | View details |
| Cholamandalam Ms Risk Services Limited CIN U74140TN1994PLC029257 | Active | 17 Nov 1994 | Chennai, Tamil Nadu | ₹83.2 Cr | 407 | 11 | View details |
| Cholamandalam Ms General Insurance Company Limited CIN U66030TN2001PLC047977 | Active | 02 Nov 2001 | Chennai, Tamil Nadu | ₹11,854 Cr | 1,381 | 10 | View details |
Products & Services of Chola MS GIC
Chola MS GIC offers a comprehensive portfolio of products and services, including Car Insurance, Two Wheeler Insurance, Health Insurance, Travel Insurance, and Home Insurance.
Coverage for cars against accidents, damages, and third-party liabilities.
Protection for bikes and scooters from repair costs and accidents.
Plans for hospitalization, medical expenses, and family health coverage.
Insurance for trips covering emergencies and trip cancellations.
Protection for homes against damages, theft, and natural disasters.
Apps and channels of Chola MS GIC
Chola MS GIC publishes 2 mobile apps with over 100K+ downloads; its YouTube channel Chola MS has 6.61K subscribers and 30 videos.
Videos from Chola MS GIC
The most watched videos on Chola MS GIC's YouTube channel, Chola MS (6.61K subscribers). Click a video to play it here.
More on Chola MS.
Funding Insights of Chola MS GIC
- Total Rounds 1
- Last Round Debt – Conventional β $15.41M
- First Round $15.41M
(May 2017)
All 1 funding rounds of Chola MS GIC with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| May 2017 | $15.41M | Debt – Conventional | β | β | β |
Board of directors of Cholamandalam Investment And Finance Company Limited (Chola MS GIC)
Cholamandalam Investment And Finance Company Limited is the primary company behind Chola MS GIC. The boards of the 3 registered companies of Chola MS GIC currently have 22 directors; the longest-serving is Muthiah Murugappan Murugappan, appointed in 2017. 113 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Muthiah Murugappan Murugappan DIN 00170478 | Director | 28 Oct 2017 | 9 yrs | Cholamandalam Ms General Insurance Company Limited |
| Suryanarayanan Venkateswaran DIN 01416824 | Director | 24 Oct 2018 | 8 yrs | Cholamandalam Ms Risk Services Limited, Cholamandalam Ms General Insurance Company Limited |
| Rangarajan Sridharan DIN 01814413 | Director | 24 Oct 2018 | 8 yrs | Cholamandalam Ms General Insurance Company Limited |
| Ramesh Rajan Natarajan DIN 01628318 | Director | 30 Oct 2018 | 8 yrs | Cholamandalam Investment And Finance Company Limited |
| Bhama Krishnamurthy DIN 02196839 | Director | 31 Jul 2019 | 7 yrs 3 mo | Cholamandalam Investment And Finance Company Limited |
| Ravindra Kumar Kundu DIN 07337155 | Managing Director | 23 Jan 2020 | 6 yrs 9 mo | Cholamandalam Investment And Finance Company Limited |
| Kasivajjula Ramadevi DIN 07327977 | Director | 19 Feb 2020 | 6 yrs 8 mo | Cholamandalam Ms General Insurance Company Limited |
| Vellayan Subbiah DIN 01138759 | Director | 11 Nov 2020 | 5 yrs 11 mo | Cholamandalam Investment And Finance Company Limited |
| M A M Arunachalam DIN 00202958 | Director | 29 Jan 2021 | 5 yrs 9 mo | Cholamandalam Investment And Finance Company Limited |
| Anand Kumar DIN 00818724 | Director | 16 Mar 2021 | 5 yrs 7 mo | Cholamandalam Investment And Finance Company Limited |
| Naoki Takeda DIN 09524037 | Director | 01 Apr 2022 | 4 yrs 7 mo | Cholamandalam Ms Risk Services Limited |
| Hayaki Ezaki DIN 10126414 | Director | 27 Apr 2023 | 3 yrs 6 mo | Cholamandalam Ms Risk Services Limited |
| Shyam Chakravarthi Raman DIN 06847718 | Director | 22 Jul 2023 | 3 yrs 3 mo | Cholamandalam Ms Risk Services Limited |
| Venugopalan Srinivasan DIN 10379822 | Director | 15 Nov 2023 | 2 yrs 11 mo | Cholamandalam Ms Risk Services Limited |
| Osamu Akine DIN 10531445 | Director | 01 Apr 2024 | 2 yrs 7 mo | Cholamandalam Ms Risk Services Limited |
| Mangalam Ramasubramanian Kumar DIN 03628755 | Director | 01 May 2024 | 2 yrs 6 mo | Cholamandalam Investment And Finance Company Limited |
| Ramesh Ramalingam Kandasamy DIN 08072301 | CEO | 01 Jul 2024 | 2 yrs 4 mo | Cholamandalam Ms Risk Services Limited |
| Ramamoorthy Ramkumar DIN 07936844 | Director | 26 Jul 2024 | 2 yrs 3 mo | Cholamandalam Investment And Finance Company Limited |
| Tsutomu Aoki DIN 09568125 | Director | 01 Apr 2025 | 1 yr 7 mo | Cholamandalam Ms Risk Services Limited, Cholamandalam Ms General Insurance Company Limited |
| Taketoshi Tarumoto DIN 11002474 | Director | 01 Apr 2025 | 1 yr 7 mo | Cholamandalam Ms Risk Services Limited, Cholamandalam Ms General Insurance Company Limited |
| Girish Radhakrishnan DIN 08268834 | Additional Director | 25 Jul 2025 | 1 yr 3 mo | Cholamandalam Ms General Insurance Company Limited |
| Prashant Kumar Tripathy DIN 08260516 | Additional Director | 29 Oct 2025 | 1 yr | Cholamandalam Ms General Insurance Company Limited |
IPO & Listings of Chola MS GIC
Chola MS GIC is a publicly listed company on the NSE with ticker symbol CHOLAFIN in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date15 May 1996
- Listed onNSE: CHOLAFIN
- Listed entityCholamandalam Investment and Finance Co. Ltd.
- Exchange sectorFinance
- ISININE121A01024
- Share price₹1,563.00 (-3.56% on the day) · 2026-10-14
- Market capitalisation₹138,398 Cr
- Price to earnings23.1
- EPS (diluted, trailing year)₹67.68
- Dividend yield0.12%
- Volume (last session)2,607,471
Financials of Chola MS GIC
Exchange-reported figures of Cholamandalam Investment And Finance Company Limited, the listed company behind Chola MS GIC (NSE: CHOLAFIN).
Financial Highlights
FY 2025-26 Β· ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 31,120 | 25,890 | 19,163 | 12,884 | 10,148 | 9,583 | 8,712 |
| Revenue growth | +20.2% | +35.1% | +48.7% | +27.0% | +5.9% | +10.0% | - |
| EBITDA | 21,222 | 18,218 | 13,778 | 9,263 | 7,222 | 6,725 | 6,291 |
| EBITDA margin | +68.2% | +70.4% | +71.9% | +71.9% | +71.2% | +70.2% | +72.2% |
| Profit before tax | 6,973 | 5,741 | 4,605 | 3,615 | 2,908 | 2,048 | 1,588 |
| Net profit | 5,238 | 4,265 | 3,421 | 2,665 | 2,154 | 1,521 | 1,054 |
| Net profit margin | +16.8% | +16.5% | +17.9% | +20.7% | +21.2% | +15.9% | +12.1% |
| EPS (βΉ) | 61.39 | 50.67 | 40.70 | 32.40 | 26.22 | 18.54 | 12.85 |
| Balance sheet | |||||||
| Total assets | 2,41,528 | 1,98,705 | 1,54,068 | 1,11,704 | 80,942 | 73,330 | 63,205 |
| Net worth | 30,458 | 23,669 | 19,593 | 14,346 | 11,769 | 9,600 | 8,200 |
| Total debt | 2,11,070 | 1,75,036 | 1,34,475 | 97,358 | 69,174 | 63,730 | 55,005 |
| Cash & bank | 14,695 | 9,501 | 4,394 | 3,007 | 4,302 | 5,280 | 7,001 |
| Net working capital | 14,068 | 7,560 | 3,338 | 2,257 | 3,773 | 4,900 | 6,956 |
| Cash flow | |||||||
| Cash from operations | (30,021) | (32,413) | (35,683) | (27,105) | (5,571) | (8,842) | (2,075) |
| Cash from investing | (2,554) | (2,948) | (2,855) | (2,148) | 1,640 | (1,572) | (54.05) |
| Cash from financing | 35,610 | 39,795 | 38,471 | 27,466 | 5,150 | 8,516 | 2,452 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 9,271 | 8,856 | 8,417 | 7,898 | 7,491 | 7,267 | 7,046 | 6,733 |
| Revenue growth (YoY) | +23.8% | +21.9% | +19.5% | +17.3% | +19.8% | +25.0% | - | - |
| Other income | 125 | 102 | 148 | 111 | 123 | 87.02 | 91.77 | 105 |
| EBITDA | 6,481 | 6,204 | 5,820 | 5,344 | 5,031 | 4,980 | 5,036 | 4,695 |
| EBITDA margin | +69.9% | +70.1% | +69.1% | +67.7% | +67.2% | +68.5% | +71.5% | +69.7% |
| Depreciation | 83.17 | 75.06 | 71.64 | 73.78 | 71.03 | 67.44 | 64.09 | 59.15 |
| Interest | 4,334 | 4,007 | 3,753 | 3,646 | 3,517 | 3,468 | 3,365 | 3,275 |
| Profit before tax | 2,188 | 2,224 | 2,143 | 1,736 | 1,566 | 1,532 | 1,699 | 1,466 |
| Tax | 558 | 567 | 498 | 446 | 406 | 394 | 439 | 377 |
| Net profit | 1,630 | 1,656 | 1,645 | 1,290 | 1,160 | 1,138 | 1,260 | 1,088 |
| EPS (βΉ) | 19.06 | 19.40 | 19.28 | 15.25 | 13.75 | 13.50 | 14.94 | 12.91 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 31,025 | 25,792 | 18,960 | 12,757 | 10,055 | 9,519 | 8,653 |
| Revenue growth | +20.3% | +36.0% | +48.6% | +26.9% | +5.6% | +10.0% | - |
| EBITDA | 21,197 | 18,201 | 13,752 | 9,246 | 7,203 | 6,656 | 6,285 |
| EBITDA margin | +68.3% | +70.6% | +72.5% | +72.5% | +71.6% | +69.9% | +72.6% |
| Profit before tax | 6,961 | 5,737 | 4,582 | 3,600 | 2,891 | 2,038 | 1,586 |
| Net profit | 5,225 | 4,260 | 3,424 | 2,667 | 2,147 | 1,515 | 1,052 |
| Net profit margin | +16.8% | +16.5% | +18.1% | +20.9% | +21.4% | +15.9% | +12.2% |
| EPS (βΉ) | 61.23 | 50.62 | 40.73 | 32.42 | 26.13 | 18.47 | 12.84 |
| Balance sheet | |||||||
| Total assets | 2,41,271 | 1,98,574 | 1,54,030 | 1,11,652 | 80,881 | 73,290 | 63,177 |
| Net worth | 30,404 | 23,627 | 19,557 | 14,296 | 11,708 | 9,560 | 8,172 |
| Total debt | 2,10,867 | 1,74,946 | 1,34,474 | 97,356 | 69,174 | 63,730 | 55,005 |
| Cash & bank | 14,611 | 9,401 | 4,320 | 2,961 | 4,220 | 5,232 | 6,959 |
| Net working capital | 14,008 | 7,524 | 3,282 | 2,216 | 3,693 | 4,839 | 6,897 |
| Cash flow | |||||||
| Cash from operations | (29,920) | (32,404) | (35,768) | (27,037) | (5,608) | (8,857) | (2,086) |
| Cash from investing | (2,543) | (2,867) | (2,705) | (2,160) | 1,667 | (1,759) | (51.44) |
| Cash from financing | 35,497 | 39,707 | 38,405 | 27,449 | 5,151 | 8,708 | 2,461 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 9,244 | 8,833 | 8,392 | 7,875 | 7,470 | 7,245 | 7,025 | 6,709 |
| Revenue growth (YoY) | +23.8% | +21.9% | +19.5% | +17.4% | +20.0% | +25.2% | - | - |
| Other income | 123 | 99.57 | 146 | 110 | 121 | 85.86 | 95.64 | 103 |
| Total expenses | 2,769 | 2,635 | 2,581 | 2,536 | 2,444 | 2,268 | 1,989 | 2,019 |
| EBITDA | 6,474 | 6,198 | 5,812 | 5,339 | 5,026 | 4,977 | 5,036 | 4,691 |
| EBITDA margin | +70.0% | +70.2% | +69.2% | +67.8% | +67.3% | +68.7% | +71.7% | +69.9% |
| Depreciation | 79.65 | 74.17 | 71.03 | 73.14 | 70.36 | 66.79 | 63.43 | 58.43 |
| Interest | 4,329 | 4,003 | 3,749 | 3,643 | 3,516 | 3,466 | 3,362 | 3,272 |
| Profit before tax | 2,188 | 2,220 | 2,137 | 1,733 | 1,561 | 1,530 | 1,706 | 1,464 |
| Tax | 558 | 567 | 497 | 445 | 405 | 394 | 440 | 377 |
Financial Statements
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 9,271 | 8,856 | 8,417 | 7,898 | 7,491 | 7,267 | 7,046 | 6,733 |
| Revenue growth (YoY) | +23.8% | +21.9% | +19.5% | +17.3% | +19.8% | +25.0% | - | - |
| Other income | 125 | 102 | 148 | 111 | 123 | 87.02 | 91.77 | 105 |
| EBITDA | 6,481 | 6,204 | 5,820 | 5,344 | 5,031 | 4,980 | 5,036 | 4,695 |
| EBITDA margin | +69.9% | +70.1% | +69.1% | +67.7% | +67.2% | +68.5% | +71.5% | +69.7% |
| Depreciation | 83.17 | 75.06 | 71.64 | 73.78 | 71.03 | 67.44 | 64.09 | 59.15 |
| Interest | 4,334 | 4,007 | 3,753 | 3,646 | 3,517 | 3,468 | 3,365 | 3,275 |
| Profit before tax | 2,188 | 2,224 | 2,143 | 1,736 | 1,566 | 1,532 | 1,699 | 1,466 |
| Tax | 558 | 567 | 498 | 446 | 406 | 394 | 439 | 377 |
| Net profit | 1,630 | 1,656 | 1,645 | 1,290 | 1,160 | 1,138 | 1,260 | 1,088 |
| EPS (βΉ) | 19.06 | 19.40 | 19.28 | 15.25 | 13.75 | 13.50 | 14.94 | 12.91 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 31,120 | 25,890 | 19,163 | 12,884 | 10,148 | 9,583 | 8,712 |
| Revenue growth | +20.2% | +35.1% | +48.7% | +27.0% | +5.9% | +10.0% | - |
| Other income | 419 | 263 | 256 | 221 | 84.26 | 0.47 | 0.25 |
| Total expenses | 9,898 | 7,672 | 5,386 | 3,622 | 2,926 | 2,858 | 2,421 |
| Employee cost | 4,195 | 3,328 | 2,479 | 1,360 | 957 | 792 | 700 |
| EBITDA | 21,222 | 18,218 | 13,778 | 9,263 | 7,222 | 6,725 | 6,291 |
| EBITDA margin | +68.2% | +70.4% | +71.9% | +71.9% | +71.2% | +70.2% | +72.2% |
| Depreciation | 284 | 245 | 198 | 121 | 101 | 102 | 111 |
| Interest | 14,384 | 12,495 | 9,231 | 5,748 | 4,298 | 4,576 | 4,592 |
| Profit before tax | 6,973 | 5,741 | 4,605 | 3,615 | 2,908 | 2,048 | 1,588 |
| Tax | 1,744 | 1,481 | 1,195 | 938 | 749 | 527 | 534 |
| Net profit | 5,238 | 4,265 | 3,421 | 2,665 | 2,154 | 1,521 | 1,054 |
| Net profit margin | +16.8% | +16.5% | +17.9% | +20.7% | +21.2% | +15.9% | +12.1% |
| EPS (βΉ) | 61.39 | 50.67 | 40.70 | 32.40 | 26.22 | 18.54 | 12.85 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 170 | 168 | 168 | 164 | 164 | 164 | 164 |
| Reserves & surplus | 30,272 | 23,498 | 19,424 | 14,182 | 11,605 | 9,436 | 8,036 |
| Shareholders' funds (net worth) | 30,458 | 23,669 | 19,593 | 14,346 | 11,769 | 9,600 | 8,200 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 1,85,865 | 1,57,880 | 1,23,947 | 88,327 | 62,534 | 56,325 | 49,017 |
| Unsecured loans | 25,205 | 17,156 | 10,528 | 9,031 | 6,639 | 7,405 | 5,988 |
| Total debt | 2,11,070 | 1,75,036 | 1,34,475 | 97,358 | 69,174 | 63,730 | 55,005 |
| Total liabilities | 2,41,528 | 1,98,705 | 1,54,068 | 1,11,704 | 80,942 | 73,330 | 63,205 |
| Assets | |||||||
| Gross block | 2,666 | 2,382 | 2,209 | 897 | 655 | 534 | 491 |
| Net block | 1,869 | 1,780 | 1,563 | 403 | 259 | 228 | 283 |
| Capital work in progress | 42.01 | 10.91 | 12.67 | 60.50 | 37.35 | 9.91 | 10.60 |
| Investments | 6,646 | 6,367 | 4,036 | 3,562 | 2,055 | 1,583 | 32.70 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 327 | 205 | 213 | 99.13 | 71.31 | 56.60 | 30.19 |
| Cash & bank balances | 14,695 | 9,501 | 4,394 | 3,007 | 4,302 | 5,280 | 7,001 |
| Loans & advances | 2,966 | 1,037 | 1,349 | 1,074 | 935 | 878 | 778 |
| Total current assets | 17,988 | 10,742 | 5,956 | 4,181 | 5,308 | 6,215 | 7,809 |
| Total current liabilities | 3,920 | 3,182 | 2,618 | 1,923 | 1,536 | 1,314 | 853 |
| Net working capital | 14,068 | 7,560 | 3,338 | 2,257 | 3,773 | 4,900 | 6,956 |
| Total assets | 2,41,528 | 1,98,705 | 1,54,068 | 1,11,704 | 80,942 | 73,330 | 63,205 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 5,280 | 846 | 912 | 2,699 | 1,480 | 3,485 | 3,162 |
| Net cash from operating activities | (30,021) | (32,413) | (35,683) | (27,105) | (5,571) | (8,842) | (2,075) |
| Net cash from investing activities | (2,554) | (2,948) | (2,855) | (2,148) | 1,640 | (1,572) | (54.05) |
| Net cash from financing activities | 35,610 | 39,795 | 38,471 | 27,466 | 5,150 | 8,516 | 2,452 |
| Net change in cash | 3,035 | 4,434 | (66.21) | (1,787) | 1,218 | (1,898) | 323 |
| Closing cash | 14,695 | 9,501 | 4,394 | 3,007 | 4,302 | 5,280 | 7,001 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +20.2% | +35.1% | +48.7% | +27.0% | +5.9% | +10.0% | - |
| EBITDA growth | +16.5% | +32.2% | +48.8% | +28.3% | +7.4% | +6.9% | - |
| PBT growth | +21.5% | +24.7% | +27.4% | +24.3% | +42.0% | +28.9% | -13.3% |
| Net income growth | +22.8% | +24.7% | +28.3% | +23.8% | +41.6% | +44.4% | - |
| Revenue CAGR (3Y) | +34.2% | +36.6% | +26.0% | +13.9% | +12.6% | +19.9% | +22.9% |
| EBITDA CAGR (3Y) | +31.8% | +36.1% | +27.0% | +13.8% | +9.7% | +17.9% | +23.1% |
| Profitability & leverage | |||||||
| Net income margin | +16.8% | +16.5% | +17.8% | +20.8% | +21.3% | +15.9% | +12.1% |
| Return on capital employed | +9.7% | +10.3% | +10.4% | +9.7% | +9.3% | +9.7% | +10.3% |
| Return on net worth | +19.3% | +19.7% | +20.1% | +20.5% | +20.2% | +17.1% | +14.6% |
| Debt / equity | 7.13 | 7.15 | 6.83 | 6.38 | 6.22 | 6.67 | 7.33 |
| Long-term debt / equity | 6.68 | 6.79 | 6.13 | 5.45 | 5.46 | 5.74 | 6.08 |
| Interest cover | 68.70 | 69.52 | 67.97 | 62.88 | 60.35 | 69.09 | 74.30 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 12.49 | 11.39 | 12.50 | 16.89 | 17.21 | 18.70 | 22.82 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 118.59 | 125.05 | 124.25 | 153.79 | 159.98 | 220.85 | 243.81 |
| EPS (βΉ) | 61.39 | 50.67 | 40.70 | 32.40 | 26.22 | 18.54 | 12.85 |
| Dividend per share (βΉ) | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.70 |
| Book value per share (βΉ) | 357.13 | 281.33 | 233.15 | 174.44 | 143.28 | 117.02 | 100.01 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 9,244 | 8,833 | 8,392 | 7,875 | 7,470 | 7,245 | 7,025 | 6,709 |
| Revenue growth (YoY) | +23.8% | +21.9% | +19.5% | +17.4% | +20.0% | +25.2% | - | - |
| Other income | 123 | 99.57 | 146 | 110 | 121 | 85.86 | 95.64 | 103 |
| Total expenses | 2,769 | 2,635 | 2,581 | 2,536 | 2,444 | 2,268 | 1,989 | 2,019 |
| EBITDA | 6,474 | 6,198 | 5,812 | 5,339 | 5,026 | 4,977 | 5,036 | 4,691 |
| EBITDA margin | +70.0% | +70.2% | +69.2% | +67.8% | +67.3% | +68.7% | +71.7% | +69.9% |
| Depreciation | 79.65 | 74.17 | 71.03 | 73.14 | 70.36 | 66.79 | 63.43 | 58.43 |
| Interest | 4,329 | 4,003 | 3,749 | 3,643 | 3,516 | 3,466 | 3,362 | 3,272 |
| Profit before tax | 2,188 | 2,220 | 2,137 | 1,733 | 1,561 | 1,530 | 1,706 | 1,464 |
| Tax | 558 | 567 | 497 | 445 | 405 | 394 | 440 | 377 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 31,025 | 25,792 | 18,960 | 12,757 | 10,055 | 9,519 | 8,653 |
| Revenue growth | +20.3% | +36.0% | +48.6% | +26.9% | +5.6% | +10.0% | - |
| Other income | 419 | 262 | 256 | 221 | 83.86 | 56.19 | 0.26 |
| Total expenses | 9,829 | 7,591 | 5,208 | 3,511 | 2,852 | 2,863 | 2,367 |
| Employee cost | 4,153 | 3,281 | 2,331 | 1,266 | 895 | 749 | 655 |
| EBITDA | 21,197 | 18,201 | 13,752 | 9,246 | 7,203 | 6,656 | 6,285 |
| EBITDA margin | +68.3% | +70.6% | +72.5% | +72.5% | +71.6% | +69.9% | +72.6% |
| Depreciation | 281 | 242 | 196 | 119 | 97.35 | 98.30 | 108 |
| Interest | 14,374 | 12,485 | 9,231 | 5,749 | 4,299 | 4,576 | 4,592 |
| Profit before tax | 6,961 | 5,737 | 4,582 | 3,600 | 2,891 | 2,038 | 1,586 |
| Tax | 1,741 | 1,478 | 1,159 | 933 | 744 | 524 | 533 |
| Net profit | 5,225 | 4,260 | 3,424 | 2,667 | 2,147 | 1,515 | 1,052 |
| Net profit margin | +16.8% | +16.5% | +18.1% | +20.9% | +21.4% | +15.9% | +12.2% |
| EPS (βΉ) | 61.23 | 50.62 | 40.73 | 32.42 | 26.13 | 18.47 | 12.84 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 170 | 168 | 168 | 164 | 164 | 164 | 164 |
| Reserves & surplus | 30,217 | 23,457 | 19,387 | 14,132 | 11,543 | 9,396 | 8,008 |
| Shareholders' funds (net worth) | 30,404 | 23,627 | 19,557 | 14,296 | 11,708 | 9,560 | 8,172 |
| Secured loans | 1,85,851 | 1,57,880 | 1,23,947 | 88,327 | 62,534 | 56,325 | 49,017 |
| Unsecured loans | 25,016 | 17,066 | 10,527 | 9,029 | 6,639 | 7,405 | 5,988 |
| Total debt | 2,10,867 | 1,74,946 | 1,34,474 | 97,356 | 69,174 | 63,730 | 55,005 |
| Total liabilities | 2,41,271 | 1,98,574 | 1,54,030 | 1,11,652 | 80,881 | 73,290 | 63,177 |
| Assets | |||||||
| Gross block | 2,651 | 2,367 | 2,189 | 881 | 640 | 517 | 476 |
| Net block | 1,863 | 1,772 | 1,557 | 399 | 255 | 220 | 274 |
| Capital work in progress | 32.79 | 10.91 | 12.45 | 60.34 | 36.98 | 9.82 | 10.26 |
| Investments | 6,638 | 6,390 | 4,100 | 3,620 | 2,076 | 1,619 | 72.92 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 290 | 188 | 199 | 77.18 | 32.47 | 20.31 | 21.76 |
| Cash & bank balances | 14,611 | 9,401 | 4,320 | 2,961 | 4,220 | 5,232 | 6,959 |
| Loans & advances | 2,906 | 1,009 | 1,183 | 1,041 | 922 | 845 | 741 |
| Total current assets | 17,807 | 10,598 | 5,703 | 4,080 | 5,175 | 6,097 | 7,722 |
| Total current liabilities | 3,799 | 3,074 | 2,421 | 1,863 | 1,482 | 1,258 | 825 |
| Net working capital | 14,008 | 7,524 | 3,282 | 2,216 | 3,693 | 4,839 | 6,897 |
| Total assets | 2,41,271 | 1,98,574 | 1,54,030 | 1,11,652 | 80,881 | 73,290 | 63,177 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 5,278 | 842 | 910 | 2,658 | 1,448 | 3,356 | 3,139 |
| Net cash from operating activities | (29,920) | (32,404) | (35,768) | (27,037) | (5,608) | (8,857) | (2,086) |
| Net cash from investing activities | (2,543) | (2,867) | (2,705) | (2,160) | 1,667 | (1,759) | (51.44) |
| Net cash from financing activities | 35,497 | 39,707 | 38,405 | 27,449 | 5,151 | 8,708 | 2,461 |
| Net change in cash | 3,034 | 4,436 | (68.32) | (1,748) | 1,210 | (1,908) | 323 |
| Closing cash | 14,611 | 9,401 | 4,320 | 2,961 | 4,220 | 5,232 | 6,959 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +20.3% | +36.0% | +48.6% | +26.9% | +5.6% | +10.0% | - |
| EBITDA growth | +16.5% | +32.4% | +48.7% | +28.4% | +8.2% | +5.9% | - |
| PBT growth | +21.3% | +25.2% | +27.3% | +24.5% | +41.8% | +28.6% | -13.0% |
| Net income growth | +22.7% | +24.4% | +28.4% | +24.2% | +41.7% | +44.0% | - |
| Revenue CAGR (3Y) | +34.5% | +36.9% | +25.8% | +13.8% | +12.9% | +20.2% | +22.9% |
| EBITDA CAGR (3Y) | +31.9% | +36.2% | +27.4% | +13.7% | +9.6% | +17.4% | +23.1% |
| Profitability & leverage | |||||||
| Net income margin | +16.8% | +16.5% | +18.1% | +20.9% | +21.4% | +15.9% | +12.2% |
| Return on capital employed | +9.7% | +10.3% | +10.4% | +9.7% | +9.3% | +9.7% | +10.3% |
| Return on net worth | +19.3% | +19.7% | +20.2% | +20.5% | +20.2% | +17.1% | +14.7% |
| Debt / equity | 7.14 | 7.17 | 6.85 | 6.40 | 6.25 | 6.70 | 7.36 |
| Long-term debt / equity | 6.69 | 6.80 | 6.14 | -12.00 | 5.49 | 5.77 | 6.10 |
| Interest cover | 68.73 | 69.52 | 68.09 | 62.98 | 60.50 | 69.77 | 74.34 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 12.53 | 11.44 | 12.52 | 17.07 | 17.52 | 19.28 | 23.33 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 131.81 | 134.80 | 139.16 | 236.72 | 384.19 | 455.22 | 661.28 |
| EPS (βΉ) | 61.23 | 50.62 | 40.73 | 32.42 | 26.13 | 18.47 | 12.84 |
| Dividend per share (βΉ) | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.70 |
| Book value per share (βΉ) | 356.50 | 280.84 | 232.71 | 173.83 | 142.53 | 116.54 | 99.67 |
Timeline of Chola MS GIC
3 dated milestones of Chola MS GIC across 117 years, from founding to its latest funding, stage changes and deals.
- Founded Chola MS GIC is founded.
- IPO Lists on the stock exchange (IPO).
- Funding First funding round of $15.4M.
Competitors of Chola MS GIC
Chola MS GIC has 3 listed competitors in our database. They include Bharti AXA GI, Manomay and Skylife Event Insurance.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| bharti-axagi.co.in | 2008 | Bengaluru, India | 2,293 | General Insurance | ||
| manomay.biz | 2011 | Hyderabad, India | 58 | Offers tech consulting, InsurTech solutions, and data services for insurance. | ||
| skylifeevent.com | 2001 | Delhi, India | Provides insurance coverage for various events like weddings and corporate functions. |
Detailed competitors of Chola MS GIC
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Web traffic of Chola MS GIC
The website of Chola MS GIC (cholainsurance.com) receives about 590.9K visits a month and ranks #71,956 among all websites worldwide, #4,543 in Insurance.
- Monthly visits590.9K
▲ 6.3% vs previous month
- Unique visitors151.2K
per month
- Global rank#71,956
among all websites
- Category rank#4,543
Finance · Insurance
- Bounce rate44%
- Pages per visit6.0
- Average visit7 min 25 sec
- DevicesDesktop 40% Β· Mobile 60%
Websites whose visitors overlap most with Chola MS GIC. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| royalsundaram.in | 100% | 662.2K | #75,163 | View details | |
| icicilombard.com | 96% | 4.3M | #10,989 | View details | |
| acko.com | 95% | 4.5M | #11,608 | View details | |
| reliancegeneral.co.in | 93% | 798.8K | #56,703 | View details | |
| tataaig.com | 92% | 3.9M | #13,750 | View details | |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
All 40 similar websites and full traffic analytics for Chola MS GIC
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Top companies in Insurance & Risk Management
3 companies that operate in the same segment as Chola MS GIC (Insurance & Risk Management) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Health insurance plans are offered for individuals and families. | 2006 | Chennai, Tamil Nadu, India | USD 783.29 M | USD 1.9 B | 15,820 | |
Life, health, and general insurance services are provided across India. | 2001 | Mumbai, Maharashtra, India | USD 306.52 M | USD 2.88 B | 16,700 | |
Financial solutions including loans and insurance are offered. | 2007 | Pune, Maharashtra, India | USD 15.24 B | 126 |
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Related news about Chola Ms Gic
Complete news archive for Chola MS GIC
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Frequently Asked Questions about Chola MS GIC
Chola MS GIC was founded in 1900 and raised its 1st funding round 117 years after it was founded.
Chola MS GIC is headquartered in Chennai, India. It is registered at Chennai, Tamil Nadu, India.
Chola MS GIC has 64,900 employees.
The primary company behind Chola MS GIC, Cholamandalam Investment And Finance Company Limited, reported revenue of βΉ31,539 Cr for FY 2026, up 20% year on year.
Cholamandalam MS General Insurance is a joint venture betweentwo groups - Indias Murugappa Group and Japans Mitsui Sumitomo.The company has 105 branches and 9000 agents spread all over the country. They offer a wide range of insurance polices across all general insurance segments - health, car, travel, home and personal accident. For corporates, it offers policies on health, fire, engineering, property, marine and liability. Sumitomo increased its stake to 40 after purchasing 14 stake from Tube Investments of India Ltd.
Chola MS GIC's top competitors include Bharti AXA GI, Manomay and Skylife Event Insurance.
Chola MS GIC offers Car Insurance, Two Wheeler Insurance, Health Insurance, Travel Insurance, and Home Insurance.
Yes, Chola MS GIC is publicly traded on NSE under the ticker symbol CHOLAFIN.
Chola MS GIC is associated with 3 legal entities: Cholamandalam Investment And Finance Company Limited, Cholamandalam Ms Risk Services Limited, Cholamandalam Ms General Insurance Company Limited.
The legal entities of Chola MS GIC currently have 27 directors, including Suryanarayanan Venkateswaran, Venugopalan Srinivasan, Osamu Akine and others.
Yes. Chola MS GIC publishes Chola MS and 1 more app, with over 100,000 downloads.
The website of Chola MS GIC receives about 591 thousand visits a month and ranks #71,956 among all websites worldwide.

