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CORPORATE PRESENTATION September 2026
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Table of Contents 1. Group overview………………………………………………………………………………………….. 3 2. Chola Corporate Overview………………………………………………………………………….. 5 3. Financial Overview …………………………………………………………………………………….. 9 4. Business Segments Overview…........................................................................ 24 a. Auto Ecosystem…………………………………………………………………………………. 25 i. Vehicle Finance (VF) b. MSME Ecosystem……………………………………………………………………………….. 42 i. Loan Against Property (LAP)……………………………………………………… 49 ii. Secured Business & Personal Loan (SBPL)…………………………………. 57 iii. Small and Medium Enterprises (SME)……………………………….......... 58 c. Consumer Ecosystem………………………………………………………………………….. 59 i. Home Loan (HL)………………………………………………………………………… 65 ii. Consumer & Small Enterprise Loan (CSEL)…………………………………. 73 5. Funding Profile…………………………………………………………………………………………….. 74 6. Consolidated Financials………………………………………………………………………........... 79 7. Risk Management………………………………………………………………………………………… 81 8. Information Technology……………………………………………………………………………….. 92 9. Environmental Social Governance……………………………………………………………..... 100 2
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3 Murugappa Group Overview
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Murugappa Group in a Nutshell AGRICULTURE ENGINEERING FINANCIAL SERVICES PAT(Cr.) Turnover (Cr.) Market Cap(Cr.) 51,746 12,217 31,480 38,534 1,898 1,380 23,851 45,938 1,35,490 52,063 22,221 12,418 1,116 1,678 1,199 1,38,574 NA 26,010 31,073 4,840 39,073 5,233 331 5,485 126 Years Years of Existence $11.1 B Consolidated Turnover (FY26) $46.16 B Group Market cap (as on 30th Sep 2026) 10 Listed Companies 50 Countries Geographical Presence 113 Locations Manufacturing Locations 94,000 + Work force 29+ Businesses Note: Financial Performance are of FY 25-26. Market data as on 30th Sep 2026. Source: BSE 4
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5 Chola Finance Corporate Overview