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Cholamandalam Financial Holdings (CHOLAHLDNG) Fair Value & Analysis

Financial Services · IN · Market cap ₹311B

Price₹1,653
Fair Value₹1,690
Upside+2.2%
Quality86/100
Evidence: Medium Range ₹1,268 – ₹6,761

Fair value as of: Jun 29, 2026

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Analysis

Cholamandalam Financial Holdings (CHOLAHLDNG) currently trades at ₹1,653, while our model-based Fair Value estimate is ₹1,690 — implying the stock looks roughly 2.2% undervalued today. We read business quality at 86/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

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Frequently asked questions

Is Cholamandalam Financial Holdings (CHOLAHLDNG) undervalued?
As of Jun 29, 2026, our model estimates a fair value of ₹1,690 versus a price of ₹1,653 — about +2% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CHOLAHLDNG?
Our 21-model fair value for Cholamandalam Financial Holdings is ₹1,690 (as of Jun 29, 2026), built from audited fundamentals. The current price is ₹1,653.
What is the quality score of CHOLAHLDNG?
Cholamandalam Financial Holdings has a Quality Score of 86/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.