Perhaps the most striking growth vertical within Chola’s portfolio is the . In Q3 FY26, the combined AUM for SME and Small Business Personal Loan (SBPL) segments grew 32% year‑on‑year to ₹60,722 crore, reflecting the accelerating formalization of India’s small and medium enterprise sector. For the full fiscal year, SME business loans stood at ₹2,187 crore in Q4 alone, while consumer and small enterprise loans added another ₹3,237 crore during the same quarter.
The numbers reflect an organization operating at peak efficiency. In its fiscal year 2026 financial report, Chola revealed a staggering , reaching ₹171.5 billion . Concurrently, its full-year net profit jumped 23% to ₹52.3 billion . chola sales leap
What makes this performance noteworthy is the Chola has built into its vehicle finance operations. President and CFO Arul Selvan D has pointed out that most of the company’s customers are “earn‑and‑pay” customers—small truck operators, fleet owners, and logistics providers—who are able to pass on cost increases relatively quickly. Even in a potentially turbulent environment with fluctuating fuel costs and load availability, Chola’s underwriting models and granular customer knowledge have historically absorbed shocks better than many competitors. The company maintains a Capital Adequacy Ratio (CAR) of 19.16% , well above the RBI’s mandate of 15%, providing a substantial buffer for any cyclical headwinds. Perhaps the most striking growth vertical within Chola’s
Segment-Wise Growth Drivers
Sales climbed in a way that felt like a tide rather than a spike. Morning customers bought coffee and tortillas; lunch crowds grew; evenings brought families picking up care packs. The ledger’s red lines faded into black. Rosa hired two people from the neighborhood—Miguel, who learned the mole recipe in three afternoons, and Ana, who ran the classes—and paid them fair wages. The shop hummed with real prosperity: enough to keep the doors open, enough to send her younger brother to night school. The numbers reflect an organization operating at peak
Number of new field leads generated directly via the Lead Creation module .
Focus on underserved or "Tier 2 and 3" markets. Don't just sell to these areas; establish a physical or consistent presence to build long-term trust. 2. Customer-Centric Solutioning