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Investor Presentaiton

Chola Enter a better life Cholamandalam Investment & Finance Company Limited 33.1 lakh customers Helping customers enter better life 2 lakh customers in year 2000 to 33.1 lakh plus customers till date 52,408 employees B Experienced team to serv Experienced team to serve more customers murugappa 200 plus employees in year 2000 to 50,000+ employees today Rs. 1.4 lakh Cr. Total AUM Healthy ROA of 3.3% PAT 10 CAGR of 25% from FY14 to FY23 Rs. 105k+ Cr. market cap Rapid market cap growth TTER St From Rs. 840 Cr. in year 2008 to Rs. 105k+ Cr. in 2023 1309 branches Strong geographical presence Across 28 states/Union Territories 90% presence across tier III-VI towns 41° ₹ Diversified product portfolio Presence across Vehicle Finance loans, Loan Against Property, Home Loans, Consumer loans, Personal loans, SME Loans, Stock broking & distribution of financial products. Note: Employee count includes both on-roll and off-roll • Experienced management Experienced management team with relevant industry experience Significant synergies with Murugappa group, deriving operational and financial benefits 80
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