

FINANCIAL SERVICES
Unlocking access,
unlocking dreams


FINANCIAL SERVICES
Unlocking access,
unlocking dreams
Financial Services
The Murugappa Group’s financial services companies are frontrunners in
expanding access to quality financial services across the country. They reach
a customer base of 17 million, helping dreams, both big and small, come true.
Cholamandalam Investment and Finance Company Limited (Chola)
Cholamandalam Investment and Finance Company Limited (Chola)

HIGHLIGHTS
Growing clientele of over
44.7 Lakh+ happy customers.
₹ 2.27 Lakh Crore+ Assets
Under Management (AUM).
1,757+ Branches across 26
States and 7 Union Territories.
92% Presence across Tier-III,
IV, V and VI towns.
Products
Two-Wheeler
Loans
Three-Wheeler
Loans
Passenger Vehicle
Loans
Commercial
Vehicle Loans
Tractor & Farm
Equipment Loans
Construction
Equipment Loans
Loan Against Property
Home Loans
Small & Medium
Enterprise Loans
Secured Business
& Personal Loans
Consumer & Small
Enterprise Loans
Consumer Durable
Loans
Gold Loan
Subsidiaries
Cholamandalam Securities Limited
Payswiff Technologies Private Limited
Cholamandalam MS General Insurance Company Limited
Cholamandalam MS General Insurance Company Limited

HIGHLIGHTS
Pan‑India presence with 150+ branches across 660+ locations, supported by a strong network of 35,000+ intermediaries ensuring deep reach across urban and semi‑urban markets
Extensive claims support infrastructure with a Pan‑India network of 17,000+ garages and 13,500+ network hospitals, enabling faster turnaround, seamless cashless claims, and enhanced customer experience across motor and health insurance.
13.05+ million policies issues in FY2024-25
Consistently recognised by government bodies, rating agencies, and leading industry platforms for innovation,
service excellence, and customer centric initiatives, the most prestigious being “Insurer of the Year – Best Operating Performance (Non‑Life)” by FICCI, underscoring the Company’s strong focus on underwriting discipline, capital efficiency, and superior service delivery.
AI-Enabled Claims Innovation – SahAI: an AI-driven damage assessment tool delivering faster, more accurate, and transparent motor claim settlements.
Digital Transformation Focus: The Chola MS Customer App enables seamless policy management, renewals, endorsements, claim intimation, and real-time tracking all on the go.
Ranked 9th position as per the General Insurance Council & ranks 5th in the motor line of business amongst the private sector players.
Products

Comprehensive
Motor Insurance

Health, Accident
& Travel Insurance

Home Insurance

Crop
Insurance

Small &
Medium
Enterprise
Engineering
& Liability
Cholamandalam MS Risk Services Limited
Cholamandalam MS Risk Services Limited

HIGHLIGHTS
India’s largest employer of EHS specialists, with 200+ risk engineering experts deployed across industries
25,000+ HAZOP studies and 1,000+ Quantitative Risk Assessments conducted
1 million+ drivers trained through road safety initiatives
50 million accident-free manhours achieved in construction safety projects
Supported India’s first AWS Platinum & ZLD certifications
25,000+ professionals trained through the CMSRS Safety Academy
Certified Safety Auditors approved by DGFASLI (Government of India)
Audited all fertiliser units and over 75% of cement plants in India
Cholamandalam Financial Holdings Limited (CFHL)
Cholamandalam Financial Holdings Limited (CFHL)

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