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28 October, 2026 The Secretary National Stock Exchange of India Limited Trade World, 4 th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai 400 013 The Secretary BSE Ltd. 1st Floor, P.J. Towers Dalal Street, Fort, Mumbai 400 001 NSE SCRIP CODE: CHOLAFIN EQ BSE SCRIP CODE: 511243 Dear Sir/Madam, Sub: Outcome of the Board Meeting held on 28 October, 2026 and disclosures under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (Listing Regulations) We refer to our letters dated 8 October, 2026 and 22 October, 2026 intimating the convening of a meeting of the Board of Directors of the Company scheduled to be held on 28 th October 2026 inter alia to consider and approve the audited standalone and consolidated financial results of the Company for the quarter and half year ended 30 September, 2026 and to consider the proposal for raising fund s through the issuance of securities by way of a Qualified Institutions Placement. In this regard, we hereby inform you that the Board of Directors at their meeting held today have approved the following: 1. Audited financial results: Audited Standalone and Consolidated financial results of the Company for the quarter and half year ended 30 September, 2026 as prescribed under Regulation 33 and 52 of the Listing Regulations. In this connection, we enclose the following: a) The detailed format of the audited standalone and consolidated financial results for the quarter and half year ended 30 September, 2026, submitted in accordance with the Listing Regulations. The financial results will also be published in the prescribed format under the Listing Regulations, together with a QR code providing access to the same on the Company’s website; b) The audit reports issued by the Joint Statutory Au ditors of the Company, M/s. B.K. Khare & Co., Chartered Accountants, and M/s. KKC & Associates LLP, Chartered Accountants, on the audited standalone and consolidated financial results of the Company for the quarter and half year ended 30 September 2026; c) The statement of assets and liabilities and statement of cash flow as at 30 September, 2026 submitted pursuant to Regulations 33(3)(g) and 52(2A) of the Listing Regulations ~~ Chola ~ Enter a better life Cholamandalam Invest.m nt and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai • 600032 . Tel.. 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website: www.cholamandalam.com I CIN: L65993TN1978PLC007576 ~ murugappo

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d) Disclosures required under Regulations 52(4), 52(7), 52(7A), 54(2) and 54(3) of Listing Regulations together with the Independent Auditor’s certificate on Security Cover in respect of the Company’s listed non-convertible debt securities; and e) A press release in relation to the above audited financial results for dissemination to the public. 2. Fund raising through issuance of securities by way of a Qualified Institutions Placement (QIP): Issue of equity shares and / or eligible securities convertible into equity shares by way of a qualified institutions placement to eligible Qualified Institutional buyers for an aggregate amount not exceeding Rs. 5,000 crores in one or more tranches at such price and on such terms and conditions as may be determined in accordance with Chapter VI of the SEBI (Issue of Capital and Disclosu re Requirements) Regulations, 2018 and other applicable laws, subject to receipt of requisite approvals. The details of the proposed issuance, as required under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, are set out in Annexure I enclosed herewith. 3. Issuance of postal ballot notice: Issuance of a postal ballot notice pursuant to section 110 of the Compani es Act, 2013 seeking the approval of shareholders for raising funds t hrough the issuance of equity shares and/or other eligible securities by way of a Qualified Institutions Placement in accordance with SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 and other applicable laws. The meeting of Board of Directors commenced at 11.30 a.m. and concluded at 1.10 p.m. Kindly take the above information on record and acknowledge receipt. Thanking you, Yours faithfully, For Cholamandalam Investment and Finance Company Limited P Sujatha Company Secretary Encl.: as above ~~ Chola ~ Enter a better life Cholamandalam Invest.m nt and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai • 600032 . Tel.. 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website: www.cholamandalam.com I CIN: L65993TN1978PLC007576 ~ murugappo

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Annexure-I Details of issue of securities by way of Qualified Institutions Placement S. No Particulars Details 1. Type of securities proposed to be issued Equity shares and / or eligible securities convertible into equity shares 2. Type of issuance Qualified Institutions Placement 3. Total number of securities proposed to be issued or total amount for which the securities will be issued (approximately) Up to an amount not exceeding Rs. 5,000 crores in one or more tranches at such price to be determined in accordance with Chapter VI of SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 ~~ Chola ~ Enter a better life Cholamandalam Invest.m nt and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai • 600032 . Tel.. 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website: www.cholamandalam.com I CIN: L65993TN1978PLC007576 ~ murugappo

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CHOlAMANOAlAM INVESTMENT ANO FINANCE COMPANY LIMITED CIN - L65993TN1978PLC007576 Registered Office : Chola Crest, C54, C55,Super B -4 Thiru Vi Ka Industrial Estate, Guindy ,Chennal -600032 Statement of Standalone Audited Financial Results for the period ended September 30, 2026 "crores Quarter ended Six months ended Year ended Particulars 30.09 .2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 Audited Un-audited Audited Audited Audited Audited (Refer note 7) (Refer note 7) 1. Revenue from operations -Interest Income 8,503.52 8,039.92 6,894.23 16,543.44 13,544.30 28,372.63 -Net gain on derecognition of financial Instruments under 35.83 161.32 76.39 197.15 222.97 439.11 amort ised cost category -Fee & Commission Income 66690 580.06 474.31 1,246.96 892.55 2,053.48 -Net gain on fair value change on financial instruments 35.12 50.19 23.42 85.31 52.48 111.38 -Sale of Services 2.22 1.89 1.23 4.11 2.20 5.14 Total Revenue from Operations 9,243.59 8,833.38 7,469.58 18,076.97 14,714.50 30,981.74 2. Other income 123.29 99.57 120.55 222.86 206.41 463.10 3. Total Income (1+2) 9,366.88 8 932.95 7 590.13 18,299.83 14,920.91 31,444 .84 4. Expenses a) Finance costs 4,329.45 4,003.14 3,515.51 8,332.59 6,981.76 14,374.20 b) Impairment of financial instruments( Net) 874.19 921.85 897.01 1,796.04 1,779.11 3,535.83 c) Employee benefits expense 1,422.42 1,139.78 1,063.19 2,562.20 1,987.49 4,152.80 d) Depreciation and amortisation expense 79.65 74.17 70.36 153.82 137.15 281.32 e) Other expenses 472.88 573.52 483.31 1,046.40 945.01 2,140.03 Total expenses 7,178.59 6,712.46 6,029.38 13,891.05 11,830 .52 24,484.18 5. Profit before tax (3-4) 2,188.29 2,220.49 1,560.75 4,408.78 3,090.39 6,960.66 6. Tax expense a) Current tax 633.66 651.94 456.60 1,285.60 896.83 2,010.68 b) Deferred tax (75.44) (85.04) (51.16) (160.48) (97.66) (269.61) Total Tax expense 558.22 566.90 405 .44 1,125.lZ 799.17 1,741.07 7. Profit for the period/year (5-6) 1,630.07 1,653.59 1,155 .31 3,283.66 2,291.22 5,219.59 8. Other Comprehensive Income a. (i) Items that will not be reclassified to Profit or Loss 0.06 (3.47) (8.23) (3.41) (12.81) (3.80) (ii) Income tax impact (0.01) 0.87 2.07 0.86 3.22 0.96 b. (i) Items that will be reclassified to Profit or Loss 177.15 (29.89) 71.27 147.26 (30.79) 234.28 (ii) Income tax impact (43.91) 7.21 (17.94) (36.70) 7.75 (58.97) 9. Other Comprehensive !ncome/(loss) net of tax for the period/year 133.29 (25.28) 47.17 108.01 (32.63) 172.47 10. Total Comprehensive Income net of tax for the 1,763.36 1,628.31 1,202.48 3,391.67 2,258.59 5,392.06 period/year (7+9) 11. Paid-up equity share capital (" 2/- per share) 171.57 170.59 168.35 171.57 168.35 170.48 12. Earnings per Share (EPS) - (" 2/- per share) (not annualised for interim period) a) Basic 19.09 19.40 13.73 38.49 27.24 61.83 b) Diluted 19.05 19.36 13.70 38.42 27.17 61.68

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Statement of Standalone Assets and Liabilities ASSETS Financial Assets (a) Cash and Cash equivalents (b) Bank Balance other than (a) above (c) Derivative financial instruments (d) Receivables i)Trade receivables ii)Other receivables (e) Loans (f) Investments (g) Other Financial Asset~ Total Financial Assets Non-Financial Assets (a)Current Tax Assets (Net) (b)Deferred Tax Assets (Net) (c)lnvestment Property (d)Property, Plant and Equipment (e)Capital Work In Progress (f)lntangible Assets Under Development (g) Other Intangible Assets (h) Other Non-Financial Assets Total Non-Financial Assets Total Assets LIABILITIES AND EQUITY Liabilities Financial Liabilities (a) Derivative financial instruments (bl Trade payables Total outstanding dues of micro and small enterprises Total outstanding dues of creditor s other than micro and small enterprises (c) Other payables Total outstanding dues of micro and small enterpr ises Total outstanding dues of creditors other than micro and small enterprises (d)Debt Securities (e)Borrowings (Other than Debt Securitie s) (f)Subordinated Liabilities (g)Other Financial Liabilities Total Financial Liabilities Non-Financial Liabilities (a) Current Tax Liabilities (Net) (bl Provisions (c) Other Non-Financial Liabilities Total Non • Financial Liabilities Equity (a)Equity Share Capital (b)Other Equity tal liabilities and E ult As at 30.09.2026 Audited 7,849.39 5,756.76 1,965.51 445.45 332.24 2,40,133.20 8,420.61 930.55 2,65,833.71 0.00 1,282.96 0.13 2,016.94 138.63 12.69 25.61 125.28 3,602.24 2,69,435 .95 71.79 9.02 27.29 1,585.19 42,891.35 1,70,872.60 17,757.72 1,185.43 2,34,400.39 163.23 284.68 113.50 561.41 171.57 34,302.58 34,474.15 2,69,435.95 "crores As at 31.03.2026 Audited 8,312.40 6,298.99 1,701.06 289.56 202.20 2,17,571.16 6,638.05 840.48 2,41,853.90 29.47 1,158.32 0.13 1,834.03 18.29 14.50 28.50 132.71 3,215.95 2,45,069.85 86.45 13.19 103.65 2,225.41 40,636.05 1,56,528. 78 13,701.73 1,009.49 2,14,304.75 279.21 81.87 361.08 170.48 30,233.54 30,404.02 2,45,069.85

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Statement of Standalone Cash Flows Particulars Cash Flow from Operating Activities Profit Before TaK Adjustments to reconcile l!roflt before taK to net cash flows: Depreciation and amortisation expense Impairment of financial instru ments Finance Costs Net gain on derecognition of financial instruments under amortised cost category Loss/(gain) on Sale of Property plant and equipment (Net) Net gain on fair value change in- Mutual funds-Realised Net Loss on fair value change in Security receipts -Un-realised Interest Income on bank deposits and other investments Interest on Income Tax Refund Share based payment expense Operating Profit Before Working Capital Changes Adjustments for :- (lncrease}LDecrease in Ol!erating Assets Loans Trade receivables Other Financial Assets Other Non Financial Assets Proceeds from de-recognition of financial assets recognised at amortised cost lncreaseL(Decrease} in 0[1erati ng liabilities & [1rovisions Payables Other Financial liabilities Provisions Other Non Financial liabilities Cash Flow used In Operations Finance Costs paid Interest received on bank fixed deposits and other Investments Income tax paid (Net of refunds) Net Cash used in Operating Activities (A) Cash Flow from Investing Activities Purchase of Property, plant and equipment, Intangible assets, Capital work -in-progress and Intangible assets under developm ent Proceeds from Sale of Property, plant and equipment . Purchase of Mutual Funds Units Redempt ion of Mutual Funds Units Investment in Treasury Bill (Net) Investment in STRIPS (Net) Investment in Government Securities(Net) Investment in Security receipts-ARC lr'lvestmer'lt in Shares of ~ubs1danes Investment in Sank Fixed Deposits (net of withdrawa ls) Net Cash used in Investing Activities (B) " in cror es Period ended Period ended September 30, 2026 September 30, 2025 Audited Audited 4,408.78 3,090.39 153.82 137.15 1,796.04 1,779.11 8,332.59 6,981.76 (197.15) (222.97) (4.58) 3.03 (92.61) (52.48) 7.30 - (533.22) (367.84) (0.98) (40.33) 37.19 39.89 9,498.40 8,257.32 13,907.18 11,347.71 (26,838 .44) (17,072.38) (285.93) (91.46) 102.57 14.58 7.43 (27,014 .37) (77.56) {17,226 .82) 2,484.86 3,176.68 (722.05) (213.91) 21.01 113.71 5.47 27.45 31.63 (663.94) 9.36 (63.39) {11,286.27) (2,765.82) (7,968.47) (7,127.87) 540.46 (7,428.01) 373.67 (6,754.20) (18,714.28) (9,520.02) (1,091.92) (700.62) (19,806.20) (10,220.64) (243.80) (156.31) 12.35 8.36 (92,035 .40) (79,851.0 1) 92,128 .01 79,903.49 1,099.52 (468.26) 234.95 (28.81) (3,070.14) (295.40) (29.20) . (25.00) . 534.99 (492.76) (1,393.72) (1,380.70)

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Statement of Standalone Cash Flows Particulars Cash Flow from Financing Activities Proceeds from issue of Share Capital (Including Securities Premium) Payment of Lease liabilit ies Proceeds from issue of Debt securities Redemption of Debt securities Proceeds from Borrowing other than debt securities Repayment of Borrowings other than debt securit ies Proceeds from issue of subordinated liabilit ies Dividends Paid Net Cash generated from Financing Activities (C) Net lncrease/(Decrease) in Cash and Cash Equivalents (A+B+C) Cash and Cash Equivalents at the Beginning of the year Cash and Cash Equivalents at the End of the period Non-cash financing and investing activities Acquistion of right -of-use of assets Conversion of CCDs into Equity Shares Period ended September 30, 2026 Audited 68.96 (89.42) 13,246.78 (10,503.74) 71,525.54 (57,451.42) 4,000.00 20,817.16 (59.79) 20,736.91 (463.01) 8,312.40 7,849.39 218.41 630.00 ~ in crores Period ended September 30, 2025 Audited 25.55 (76.90) 12,320.00 (5,678.70) 53,017.08 (48,607.01) 1,102.00 12,153.37 (58.86) 12,043 .16 441.82 5,278.19 5,720.01 136.97 0.00

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED CIN • l65993TN1978PLC007576 Registered Office: Cho la Crest, C54, CSS,Super B -4 Thiru VI Ka Industrial Estate, Guindy ,Chennal -600032 Statement of Consolidated Audited Financial Results for the period ended September 30, 2026 ~ crores Quarter ended Six months ended Year ended Particulars 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 Audited Un-audited Audited Audited Audited Audited (Refer note 7) (Refer note 7) 1. Revenue from operations -Interest Income 8,513.18 8,048.11 6,901.36 16,561.29 13,557.35 28,403.26 -Net gain on derecognition of financial Instruments under 35.83 161.32 76.39 197.15 222.97 439.11 amort ised cost category -Fee & Commission Income 681.72 594.35 488.98 1,276.07 923.18 2,114.21 -Net gain on fair value change on financial instruments 35.12 50.19 23.42 85.31 52.48 111.38 -Sale of Services 5,07 2.32 1.23 7.39 2.20 5.14 Total Revenue from Operations 9,270.92 8,856.29 7,491.38 18,127.21 14,758.18 31,073.10 2. Other income 123.59 100.39 122.04 223.98 208.33 465.63 3. Total Income (1+2) 9,394.51 8,956.68 7,613.42 18,351.19 14,966.51 31,538.73 4. Expenses a) Finance costs 4,334.43 4,007.37 3,517.31 8,341.80 6,985.37 14,384.13 b) Impairment of financial instruments(Net) 874.21 922.06 897.23 1,796.27 1,779.56 3,536.34 c) Employee benefits expense 1,431.67 1,148.99 1,073.43 2,580.66 2,009.09 4,195.08 d) Depreciation and amortisation expense 83.17 75.06 71.03 158.23 138.47 283.89 e) O ther expenses 483.98 581.13 489.77 1,065.11 958.10 2,166.25 Total expenses 7,207 .46 6,734.61 6,048 .77 13,942.07 11,870.59 24,565.69 s. Profit before share of profit/{loss) from associate/Joint 2,187.05 2,222.07 1,564.65 4,409 .12 3,095.92 Venture (3-4) 6,973.04 6. Share of profit/(loss) from Associate/Joint Venture (net of tax) 1.33 1.49 1.26 2.82 1.99 3.73 7. Profit before Tax (5+6) 2,188.38 2,223.56 1,565.91 4,411.94 3,097.91 6,976.77 8. Tax expense a) Current tax 634.70 652.53 457.15 1,287.23 897.97 2 ,013.81 b) Deferred tax (76.66) (85.19) (50.85) (161.85) {97.SOl (269.65) Total Tax expense 558.04 567.34 406.30 1,125.38 800.47 1,744.16 9. Profit after tax for period/year (7-8) 1,630.34 1,656.22 1,159.61 3,286.56 2,297.44 5,232.61 Profit for the period/year attributable to: • Owners of the Company 1,630.34 1,656.22 1,159.61 3,286 .56 2,297.44 5,232.61 • Non controlling interest . . . . . 10. Other Comprehensive Income a. (i) Items tha t will not be reclassified to Profit or Loss 0.04 (3.47) (825 ) (3.43) (12.83) (3.75) (ii) Income tax impact (0.01) 0.87 2.08 0.86 3.23 0.94 b. (i) Items that will be reclassified to Profit or Loss 177.15 (29.89) 71.27 147.26 (30,79) 234.28 (ii) Income tax impact (43.91) 7.21 (17.94) (36.70) 7.75 (58.97) 11. Other Comprehensive lncome/(los s) net of tax for the period/year 133.27 (25.28) 47.16 107.99 (32.64) 172.50 Other Comprehensive Income attr ibutable to: - Owners of the Company 133.27 (25.281 47.16 107.99 (32.64) 172.50 - Non controlling interes t - 12. Total Comprehensive Income net of tax for the 1,763.61 1,630.94 1,206.77 3,394.55 2,264.80 5,405.11 period/year (9+11) Total Comprehensive Income attributable to: - Owners of the Company 1,763.61 1,630.94 1,206.77 3,394.55 2,264.80 5,405.11 • Non controlling inte rest . . 13. Paid-up equity share capital (~ 2/· per share) 171.57 170.59 168.35 171.57 168.35 170.48 14. Earnings per Share (EPS) - (~ 2/- per share) (not annualised for interim period) a) Basic 19.09 19.43 13.78 38.52 27.31 61.98 bl DIiuted 19.06 19.40 13.75 38.45 27.24 61.83

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CHOLAMANDALAM INVESTMENT ANO FINANCE COMPANY LIMITED Statement of Consolidated Assets and Liabilities ASSETS Financial Assets (a) Cash and Cash equivalents (b) Bank Balance other than (a) above (c) Derivative financial instruments (d) Receivables i)Trade receivables ii)Other receivables (e) Loans (f) Investments i) Others ii) Joint Ventures (g) Other Financial Assets Total Financial Assets Non-Flnanclal Assets (a)Current Tax Assets (b)Deferred Tax Assets (Net) (c)lnvestment Property (d)Property, Plant and Equipment (e) Capital Work in Progress (f)lntanglble Assets Under Development (g) Other lnta ngi ble Assets (h) Other Non-Financial Assets Total Non-Financial Assets Total Assets LIABILITIES ANO EQUITY Liabilities Financial Liabilities (a) Derivative financial Instruments (bl Trade payables Total outstanding dues of micro and small enterprises Total outstand ing dues of creditors other than micro and small enterprises (c) Other payables Total outstanding dues of micro and small enterprises Total outstand ing dues of creditors other than micro and small enterprises (d)Debt Securities {e)Borrowings (Other than Debt Securities) (f)Subordinated Liabilities (g)Other Financial Liabilities Total Financial Liabilities Non-Financial Liabilities (a) Current tax Liabilities (bl Provlsioth (c) Other Non-Financial Liabilities Total Non - Financial Llabllltles Equity (a)Equity Share Capital (b)Other Equity Total Equity Total Llabllltles and Eaultv '{ crores As at 30.09.2026 As at 31.03.2026 Audited Audited 7,861.71 8,314.85 5,835.74 6,380.23 1,965.51 1,701.06 463.61 327.05 3S7.26 202.00 2,40,356.93 2,17,743.72 7,911.52 6,183.32 465.31 462.49 955.68 892.12 Z,66,173.27 2,42,206.84 2.99 29.73 1,286.24 1.160.23 0.13 0.13 2,167.60 1,839.45 192.76 27.51 12.59 14.S0 26.01 29.06 160.55 140.78 3,848.97 3,241.39 2,70,022.24 2,45,448.23 71.79 86.45 9.02 13.19 82.21 198.86 - - 1.586.49 2,226.49 43,092.19 40,824.10 1, 71,059.94 1,56,542.80 17,758.63 13,702.71 1,259.00 1,030.27 2,34,919.27 2,14,624.87 163.75 - .!l:lb.52 281.40 121.27 83.56 571.54 364.96 171.57 170.48 34,359.86 30,287.92 34,531.43 30,458.40 2,70,022.24 2,45,448 .23

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CHOIAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Statement of Consolidated Cash Flows Particulars Cosh Flow from Operating Activities Profit Before Tax Adjustments to reconcile i;1rofit before tax to net cash flows: Depreciation and amortisation expense Impairment of financial instruments Net gain on derecognit ion of financial instruments under amortised cost category Finance Costs Loss/(gain} on Sale of Property plant and equipment (Net) Net gain on fair value change in• Mutual fund s-Realised Net gain on fair value change in Mutual funds-Un-realised Net gain on fair value change in Security receipts -Un-realised Net gain on fair value change in Alternative Investment Fund-unrealised Interest Income on bank deposits and other investments Interest on Income Tax Refund Share based payment expense Operating Profit Before Working Capital Changes Adjustments for :- (lncreaselLDecrease in O[!erating Assets Loans Trade Receivables Other Financial Assets Other Non Financial Assets Proceeds from de-recognition offinancial assets recognised at a mort ised cost lncreaseL(Decreasej in O[!erating liabilit ies & Provisions Payables Other Financial liabilit ies Provisions Other NonFinancial liabilities Cash Flow used in Operations Finance Costs paid Interest Received on Bank Deposits and Other Investments Income tax paid (Net of refunds) Net Cash used in Operating Activities (Al ~ in crores Period ended Period ended September 30, 2026 September 30, 2025 Audited Audited 4,409.12 3,095.92 158.23 138.47 1,796.27 1,779.56 (197.15) (222.97) 8,341.80 6,985.37 (4.50) 3.04 (94.17) (53.18) (0.01) . 7.30 - 0.32 (1.34) (551.12) (381.12) (0.98) (40.33) 38.06 41.98 9,494.05 8,249.48 13,903.17 11,345.40 (26,889.80) (17,154.12} (291.82) (86.09) 129.05 13.44 (19.77) (27,072.34) (78.18) (17,304.95) 2,484.86 3,176.68 (763.01) (234.24) 74.00 108.85 5.12 27.68 37.71 (646.18) 9.17 (88.54) (11,330.49) {2,871.41) (7,976.94) (7,132.03) 559.02 386.95 (7,417 .92) (6,745.08) (18,748.41) (9,616.49) {1,095.76) (702.09) (19,844 .17) (10,318.58)

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED Statement of Consolidated Cash Flows Particulars Cash Flow from Investing Activities Purchase of Property, plant and equipment, Intangible assets, Capital work -in-pr ogress and Intan gible assets under development Proceeds from Sale of Property, Plant and Equipment Purchase of Mutual Funds Units Redemption of Mutual Funds Units Investment in Treasury Bill (Net) Investment in STRIPS ( Net) Investment in Government Securities(Net) Investment in Security receipts -ARC Purchase/Proceeds from sale of Investments Investment in Bank Fixed Deposits (Net of withdrawals) Net Cash used in Investing Activities (Bl Cash Flow from Finoncinq Activities Proceeds from issue of Share Capital (Including Securities Premium ) Payment of Lease liabilities Proceeds from issue of debt securities Redemption of Debt securities Proceeds from Borrowing other than debt securities Repayment of Borrowings other than debt securities Proceeds from issue of subordinated liabi lities Dividends Paid Net Cash Flow generated from Financing Activities (C} Net lncrease/(Decrease) in Cash and Cash Equivalents (A+B+C} Cash and Cash Equivalents at the Beginning of the year Cash and Cash Equivalents at the End of the period Non-cash financing and investing activities Acquistion of right -of-use of assets Conversion of CCDs into Equity Shares "in crores Period ended Period ended September 30, 2026 September 30, 2025 Audited Audited (438.33) (156.41) 12.57 8.56 (92,006.36) (79,852.87) 92,128.01 79,927.70 1,099.52 (468.26) 234.95 (28.81) (3,070.14) (295.40) (29.20) - 0.31 - 538.21 (475.57) (1,530.46) (1,341.06) 68.96 25.55 (90.00) (77.19) 13,259.57 12,378.37 (10,503.74) (5,678.70) 71,838.32 53,017.08 (57,591.83) (48,607.01) 4,000.00 1,102.00 21,002.32 12,211.74 (59.79) (58.86) 20,921.49 12,101 .24 (453.14) 441 .60 8,314.85 5,279.65 7,861.71 5,721.25 218.41 136.97 630.00 0.00

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CHOLAMANOAl.AM INVESTMENT ANO FINANCE COMPANY LIMITEO Notes 1. The audited financial results for the quarter and sh: months ended September 30, 2026 has been reviewed by the audit commlttee and approved by the Board of Directors at its meeting held on October 28, 2026.The audited financlal results have been prepared in accordance with recognition and measurement principles laid down in the Indian Accounting Standards ('i nd As') 34 Inter im Financial Reporting as prescribed under section 133 of the Companies Act, 2013 ('the Act'} read with the Companies {Indian Accounting Standards) Rules, 2015 as amended from time to time, other ,ecognised accounting prac.tices: generally accepted in lndla, the circ-ulars guldelines and directions issued by Reserve Bank of India from time to time and other relevant provisions of the Act and in compliance with Regulations 33 and 52 of the Securities and Exchange Soard of India (list ing Obligations and Disclosure Requirements) Regulatio ns, 2015 as amended from time to time. 2. The consolidated financial rt!'Suhs of the parent and its subsidfarles (collectively referred as •Group") and its associates and joint venture, lndude the result of the Company and follow ing entit ies: i) Cholamandalam Securities Limited • Subsidiary ii) Cholamandalam Logistics limited (Formerly known as Cholamandalam Leasing Limited) - Subsidiary ill) Payswlff T echno[ogies Private limited • Joint Venture Iv) Vishvakarma Payments Private limited • Associate v) Chola Foundation • Jointly contro lled entity (not for profit) 3. Disclosures as per Reserve Bank of India Directions a) Disclosures puuuant to RBI Notification - RBl/2020·21/16 DOR.No.BP.BC/3/21 .04.048/2020-21 dated 6 August 2020 • Format B Type of borrower Exposure to accounts dasslfled as standard Of (A) aggregate debt Of (A) amount written off Of (A) amount paid by consequent to lmplementat lon of resolution that slipped Into NPA during the half year the borrov,ers during plan- Position as at March 31, 2026 (A) during the half vear the half year.,. Personal Loans ll6.71 5.68 1.15 10.94 Corporate# Of which MSME Othe,s• 208.61 20.14 0.29 37.73 Total 325.32 25.82 1.44 48.67 •M6-e~.1t,5',clloi,){J"jQl11wi!luol--,,-,11aMrU$11tyCo61-.:tO-I, • ()lit~ ~q,,i~lm of VC!fll<lf fin:tn,tt,tlld I0.1111 .at•in•\ popMV • • IC'Pf~ti ff'IOYf'ffietll or IMl•ntn bttwtt11 M,r,ri )1, 2026 .!ind S,epttmel;lr JO. 2026 b) Transfer of Loan Exposure Particulars Quarter ended Quarter ended Quarter ended Septemb er 30, 2026 June 30, 2026 September 30, 2025 I) Transfer of Joans not In default Count of loans accounts assigned 683 3,761 1,857 Amount of loan eccounU assigned (Rs in crores.) 493.06 1,991.80 1,017.57 Weighted average maturity (in months) 147 142 146 Weighted average holding period (in months) 13 20 18 Retention of beneflclal economic interest(%) 10% 10% 10% Coverage of tangible security NA NA NA Rating wise distribution of rated loans NA NA NA II) Transfer of Stressed loans- Non Performing asset to Asset Reconstruction Companles(ARCs) No of accounts 1704 Nil 2 Aggregate principal outstanding of loans transferred (Rs in crores} 85.34 Nil 8.28 Wel1hted average residual teno, of the loans transferred (in months) 91 Nil 22 Net book value of loans transferr~ (at the time of transfer) (Rs. in crores) 66.89 NIL 0 Aggregate consideration (Rs in crores) 51.19 Nil 3.84 Additional consideration realized In respect of accounts transfer,ed in ear lier years (Rs in crore.s.) NIL Nil NIL Ill) Transfer of Stressed loans• Non Performing asset to "per mitted " and Nil "other " transferees Iv) Transfer of Stressed loans• Special Mention Accounts Nil v) Acqulstlon of loans not In default and Stressed loans NIL c Details of Co-lendin a,ran ements ClA Particulars Quarter ended September 30,2026 As a Originator As a Partner Number of CLNs 4 Number or Outstanding Loans 2,512 5,984 Amount of Outstand ing loans• Net of write off (Rs in crores) 52.51 21.86 Weighted average Interest rate 9.42% 22.00% Fee charged/paid (Loan Origination ) -Rs in crores 0.00 0.00 Broad Sector In which CLA was made Vehicle Finance Personal loans Performance of loans under CLA-(Rs In crores) Stage •l 43.44 19.42 Stage •2 4.70 0.92 Stage -3 4.37 1.52 Details. related to Default loss Guarantee Rs In crores Exposure to accounts classified as standard consequent to implementation of resolution plan• Position as at September 30,2026 ~ ' °" (\) ~ (/l t) . -:J.. ~ ~\, ' " 98.95 150.45 249 .40

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CHOLAM.ANDALAM INVESTMENT ANO FINANCE COMPANY LIMITED 4. 5,14,386 options were exercised during the quarter ended September 30, 2026 (S,49,462 for the quarter ended June 30, 2026}. The total outstanding employee stock options as at September 30 ,2026 is 53,57,851 ( 52,76, 715 as at June 30,2026). 5. The Company had on October 05, 2023 allotted 2,00,000. 7.5% Compulsorily Convertible Debentures (CC0s) of face value Rs. 1,00,000/ - each to eligible qualified institutiona l buyers at an Issue Price of Rs. 1,00,000/· per CCO. As of Septembe r 30, 2026, all CCDs were converted Into 1,42,83,916 equity shares . 6. The Board of Directors at their meeting held today have approved the issue of equity shares and/ or eligible securities convertible into equity shares by way of a Qualified lnstltut lons Placement to eligible Qualified lnstitutl onal buyers for an aggregate amount not exceeding Rs. S,000 crores in one or more tranches at such price and on such terms and conditions as may be determined in accordance with Chapter VI of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 and other applicable laws, subject to receipt of requisite approvals 7. In respect of standalone and Consolidated financial results, the figu res for the quarter ended September 30,2026 and September 30,2025 are the balancing figure for the six months ended September 30,2026 and September 30,2025 and year to date figures for Quarter ended June 30,2026 and June 30,2025 respectively. 8. The Segment Reporting ls given in Appendix 1 for Standalone Financial Results and in Appendix 2 for Consolidated Financial Results. 9. Ratios disclosed pursuant to regulation 52(4) of SEBI (list ing Obllgations and Disclosure Requlreme11ts) Regulations 2015 is given in Appendlx 3. Place : Chennal Date : October 28, 2026 J .J.\., •oard of directo rs tlJ. Ravlndra Kumar Kundu Managing Director DIN: 07337155 Vellayan Subblah Executive Chairman DIN: 01138759

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED CIN - L65993TN1978PLC007576 Registered Office : Chol a Crest, CS4, CSS,Super B -4 Thlru VI Ka Indu strial Estate, Gu Indy ,Chennal -600032 Segment wise Revenue, Result s and Capital Employed for Consolidated Audited flnanc lal Results Consolid ated Quarter ended Six months ended Particular s 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 Audited Un-audited Audited Audited Audited (Refer note 7) (Refer note 7) l. Segment Revenue Vehicle Finance 4,777.93 4,596.50 4,010.28 9,374.43 7,857.78 Loan against pro perty 1,660.93 1,714.48 1,422.24 3,375.41 2,858.48 Home Loans 996.90 910.36 780.64 1,907.26 1,500.23 Others 1,625.42 1,435.65 1,153.71 3,061.07 2,288.48 Unallocated 333.33 299.69 246.55 633.02 461.54 Tot al 9,394 .51 8,956.68 7,613.42 18,351.19 14,966.51 2. Segment Results (Proflt / Loss before tax) Vehicle Finance 979.17 944.89 690.83 1,924.06 1,319.13 Loan against property 556.17 677.98 482.17 1,234.15 1,022.53 Home Loans 269.02 268.76 216.91 537.78 396.05 Others 289.49 255.9 100.25 545.39 219.39 Unallocated 94.53 76.03 75.75 170,56 140.81 Tota l 2,188.38 2,223.56 1,565.91 4,411 .94 3,097.91 3. Segment Assets Vehicle Finance 1,29, 786.37 1,24,131.35 1,07,563.93 1,29,786.37 1 ,07,563.93 loa n against property 49,806.54 46,355.50 41,459.87 49,806.54 41,459.87 Home Loans 25,026.31 23,416.40 20,138.42 25,026.31 20,138.42 Others 36,157.53 32,134.31 25,160.12 36,157.53 25,160.12 Unallocated 29,245.49 30,065.45 22,423.37 29,245.49 22,423.37 Total 2,70,022.24 2,56,103.01 2,16,745.71 2,70,022.24 2,16,745.71 4. Segment Llabllltle s Vehicle Finance 1,13,180.29 1,08,555.53 94,696.87 1,13,180.29 94,696.87 Loan against property 43,433 .83 40,5:18.88 36,500.34 43,433.83 :16,500.34 Home Loans 21,824.21 20,478.14 17,729.41 21,824.21 17,729.41 Others 31,548.93 28,102.17 22,135.92 31,548.93 22,135.92 Unallocated 25,503.55 26,292.88 19,741.03 25,503.55 19,741.03 Total 2,35,490.81 2,23,967.60 1,90,803.57 2,35,490 ,81 1,90,803 .57 s. Capital Employed (Segment Assets - Segment Uabilltles) Vehicle Finance 16,606.08 15,575.82 12,867.06 16,606.08 12,867.06 Loan against property 6,372.71 5,816.62 4,959.53 6,372.71 4,959.53 Home Loans 3,202.10 2,938.26 2,409.01 3,202.10 2,409.01 Others 4,608.60 4,032.14 3,024.20 4,608.60 3,024.20 Unallocated 3,741.94 3,772.57 2,682.34 3,741.94 2,682.34 Tota l 34,531.43 32,135.41 25,942 .14 34,531 .43 25,942 .14 Note: The Group's opera ting segments are established on the basis of those components of the Group that are evaluated regularly Append!• 2 "crores Year ended 31.03.2026 Audited 16,511.03 5,988.88 3,240.91 4,828.35 969.56 31,538.73 3,144.67 2,158.97 857.36 534.66 281.11 6,976.77 1,19,557.39 45,808.08 22,448.37 30,171.06 27,463.33 2,45,448.23 1,04, 724. 78 40,125.01 19,663.37 26,420.52 24,056.15 2,14,989.83 14,832.61 5,683.07 2,785.00 3,750.54 3,407.18 30,458.40 ... ,, ....... ··w Ravlndra Kumar Kundu Vellayan Subblah ,i.,e, ( h ~llll dl Date : October 28, 2026 Managing Director DIN: 07337155 visit us at www.cholamandalam .com Executive Chairman DIN: Q113&7$9

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY l lMITED CIN • l65993TN1978PlC007576 Registered Office : Chola Crest, C54, C55,Super B -4 Thlru Vi Ka Industr ial Estate, Gulndy ,Chennal -600032 Segment wise Revenue, Results and Capital Employed for Standalone Audited financial Results Standalone Appendix 1 9' crores Quarter ended Six months ended Year ended Partltulars 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 Audited Un-audited Audited Audit ed Audited (Refer note 7) (Refer note 7) 1. Segment Revenue Vehicle Finance 4,777.93 4,596.50 4,010.28 9,374.43 7,857.78 loan against property 1,660.93 1,714.48 1,422.24 3,375.41 2,858.48 Home loans 996.90 910.36 780.64 1,907.26 1,500.23 Others 1,597.79 1,411.92 1,130.42 3,009.71 2,242.88 Unallocated 333.33 299.69 246.55 633.02 461.54 Total 9,366 .88 8,932.95 7,590.13 18,299 .83 14,920.91 2. Segment Results I Profit/ loss before tax) Vehicle finance 979.17 944.89 690.83 1,924.06 1,319.13 loan against property 556.17 677.98 482.17 1,234.15 1,022.53 Home Loans 269.02 268.76 216.91 S37.78 396.05 Others 289.40 252.83 95.09 542.23 211.87 Unallocated 94.53 76.03 75.75 170.S6 140.81 Total 2,188 .29 2,220.49 1,560 .75 4,408.78 3,090.39 3. Segment Assets Vehicle Finance 1,29,786.37 1,24,131.3S 1,07,563.93 1,29,786.37 1,07,563.93 Loan against property 49,806.54 46,355.50 41,459.87 49,806.54 41,459.87 Home Loans 25,026.31 23,416.40 20,138.42 25,026.31 20,138.42 Others 35,571.24 31,679.71 24,884.11 35,571.24 24,884.11 Unallocated 29,245.49 30,065.45 22,423.37 29,245.49 22,423.37 Total 2,69,43S.95 2,55,648.41 2,16,469 .70 2,69,435.95 2,16,469.70 4. Segment llabllltles Vehicle Finance 1,13,180.29 1,08,555.53 94,696.87 1,13,180.29 94,696.87 Loan ;;tgainst property 43,433.83 40,538.88 36,500.34 43,433.83 36,500.34 Home Loans 21,824.21 20,478.14 17,729.41 21,824.21 17,729.41 Others 31,019.92 27,704.59 21,907.41 31,019.92 21,907.41 Unallocated 25,503.55 26,292.88 19,741.03 25,503.55 19,741.03 Total 2,34,961.80 2,23,570 .02 1,90,575.06 2,34,961 .80 1,90,575.06 5. Capital Employed (Segment Assets - Segment llabllltles) Vehicfe Finance 16,606.08 15,575.82 12,867.06 16,606.08 12,867.06 Loan against property 6,372.71 5,816.62 4,959.53 6,372.71 4,959.53 Home Loans 3,202.10 2,938.26 2,409.01 3,202.10 2,409.01 Others 4,551.32 3,975.12 2,976.70 4,551.32 2,976.70 Unallocated 3,741.94 3,772.57 2,682.34 3,741.94 2,682.34 Total 34,474.15 32,078.39 25,894 .64 34,474.15 25,894.64 Note: The Company's operating segments are established on the basis of those components of the Company that are evaluated regul by the Managing Director . Place : Chennal Date : October 28, 2026 visit us at www.cholamandalam.com ehalf of board of director s ✓ ~ Ravlndra Kumar Kundu Managing Director DIN: 07337155 Vellayan Subblah Executive Chairman DIN: 01138759 31.03.2026 Audited 16,511.03 5,988.88 3,240.91 4,734.46 969.56 31,444.84 3,144.67 2,158.97 857.36 S18.55 281.11 6,960 .66 1,19,557.39 45,808.08 22,448.37 29,792.68 27,463.33 2,45,069 .8S 1,04,724.78 40,125.01 19,663.37 26,096.52 24,056.15 2,14,665.83 14,832.61 5,683.07 2,785.00 3,696.16 3,407.18 30,404.02

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED CIN - L65993TN1978PLC007576 Registered Office: Chola Crest, C54, CSS,Super B ·4 Thlru Vi Ka Industrial Estate, Gulndy ,Chennal ·600032. Appendix 3 Ratios disclosed pursuant to regulation 52(4) of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. Quarter ended Six Months ended Year ended 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 Partlcu la rs Audited Un-audited Audited Audited Audited Audited Debt Equity Ratio 6.72 6.87 7.24 6.72 7.24 6.94 Networth (~ in c:ro,e) 34,474.15 32.078.39 25,894.64 34,474.15 25,894.64 30,404.02 Capital Redemption Reserve(~ in Crore) 33.00 33.00 33.00 33.00 33.00 33.00 Net profit after tax (~ in Crore) 1,630.07 1,653.59 1,155.31 3,283.66 2,291.22 5,219.59 Outstanding redeemable preference Shares (Quantity and Value) Nil Nil NII Nil NII NII Earnings per Share - (~ 2/· per share) (i)Sasic 19.09 19.40 13.73 38.49 27.24 61.83 (ii)Oiluted 19.05 19.36 13.70 38.42 27.17 61.68 Total Debts to Total Assets 0.86 0.86 0.87 0.86 0.87 0.86 Net profit Margin (%) 17.63% 18.72% 15.47% 18.16% 15.57% 1685% Sector Specific Ratios Capital Adequacy rat io (as per RBI 20.62% 19.81% 20.00% 20.62% 20.00% 19.21% guidelines) Liquidity Coverage Ratio(as per RBI guidelines) 171.32% 193.61% 245.30% 171.32% 2 45.30% 156.77% As eer Ind AS Gross Stage 3 % 3.25% 3.29% 3.35% 3.25% 3.35% 3.05% Net Stage 3 % 1.80% 1.81% 1.93% 1.80% 1.93% 1.63% Provision Coverage Ratio 45.32% 45.73% 43.23% 45.32% 43.23% 47.29% A.s 12.er RBI asset classitl.cotion norms Gross NPA (%) 4.44% 4.50% 4.57% 4.44% 4.57% 4.36% Net NPA(%) 2.92% 2.95% 3.07% 2.92% 3.07% 2.87% Provision Coverage Ratio 35.18% 35.49% 33.88% 35.18% 33.88% 35.36% Note 1. The following ratios are not applicable as the Company Is a NBFC: Current ratlo1 Current liability rat io, Debt service coverage ratio, Interest service Coverage rat io, Long•term debt to working capita! rat io, Bad debts to Account receivables ratio, Debtors turnover, Inventory turnover and operating profit margin. 2. Debenture redempt ion reserve is not applicable to the Company 3. Formulae for computation of ratios a) Debt= Debt Securities+ Borrowing other than Debt securities+ subordinated liabilities b) Networt h or Equity = Equity share capital+ other equity c) Total Debts/ Tota l Assets = Debt/ Balance sheet tota l assets d) Net profit Margin(%) = Profit for the period/ Revenue from operat ions e) Gross stage 3% = Gross stage 3 loans/ Gross loans f) Net stage 3 % = Net , tage 3 loans/ (Gross loans - Impairment allowance of Stage 3 loans) g) Provision coverage ratio = Impairment allowance of Stage 3 loans/ Gross stage 3 loans h) Gross NPA % = Gross NPA / Gross loans; Net NPA% = Net NPA/( Gross loans• provision for GNPA). i) Gross NPA as per RBI asset classification norms is computed in line with RBI circular dated Novemb er 12,2021. Gross stage 3 as per Ind AS is based on overdue statu s of loans as on the reporting dates. ,., .. ~ ....... Aw Ravlndra Kumar Kundu Vellayan Subblah Managing Director Executive Chairman Place; Chennad DIN: 07337155 DIN: 01138759 Date : Octobe r 28, 2026

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level 19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 Independent Auditor's Report on standalone financial results for the quarter ended 30 September 2026 and year to date results for the period from 01 April 2026 to 30 September 2026 of Cholamandalam Investment and Finance Company Limited under Regulation 33 and Regulation 52(4) read with 63 of the SEBl (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. To The Board of Directors of Cholatnandalam Investment and Finance Company Limited Opinion 1. We have audited the accompanying statement of standalone financial results of Cholamandalam Investment and Finance Company Limited ('the Company') for the quarter ended 30 September 2026 and year to date results for the period from 01 April 2026 to 30 September 2026 ('the Statement'), being submitte d by the Company pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ('Listing Regulations'). 2. In our opinion and to the b~st of our information and according to the e1<planations given to us, the aforesaid standalone financial results: 2.1 are presented in accordance with the requirements of the Listing Regulations in this regard; and 2.2 give a true and fair view in conformity with the recognition and measurement principles laid down in the applicable Indian Accounting Standards ('Ind AS'), guidelines and directions issued by Reserve Bank of India ('RBI') from time to time ('RBI guidelines') other accounting principles generally accepted in India, of the net profit and other comprehensive income and other financial information for the quarter ended 30 September 2026 and year to date results for the period from 01 April 2026 to 30 September 2026. Basis for Opinion 3. We conducted our audit in accordance with the Standards on Auditing (SAs) specified under section 143(10) of the Companies Act, 2013 ('the Act'). Our responsibilities under those SAs are further described in the Auditor's Responsibilities for the Audit of the Standalone Financial Results section of our report. We are independent of the Company in accordance with the Code of Ethics issued by the Institute of Chartered Accountants of India together with the ethical requirements that are relevant to our audit of the financial statements under the provisions of the Act and the rules thereunder, and we have fulfilled our other ethical responsibilities in accordance with these requirements and the Code of Ethics. We believe that the audit evidence obtained by us is sutticient and appropriate to provide a basis for our opinion. ~

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level 19, Sunshine Tower, Senapati Ba pat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 Management's Responsibilities for the Standalone Financial Results 4. These quarterly financial results as well as the year to date standalone financial results have been prepared on the basis of the interim IND AS financial statements. The Company's Board of Directors are responsible for the preparation and presentation of these standalone financial results that give a true and fair view of the net profit after tax and other comprehensive income and other financial information in accordance with the recognition and measurement principles laid down in Ind AS 34, 'Interim Financial Reporting' prescribed under Section 133 of the Act read with relevant rules issued thereunder, the circulars, RBI Guidelines and other accounting princip les generally accepted in India and in compliance with the Listing Regulations. This responsibility also includes maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding of the assets of the Company and for preventing and detecting frauds and other irregularities; selection and application of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and design, implementation and maintenance of adequate internal financial controls that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparation and presentation of the standalone financial results that give a true and fair view and are free from material misstatement, whether due to fraud or error, which has been used for the purpose of preparat ion of the standalone financial results by the Directors of the Company, as aforesaid. 5. In preparing the standalone financia l results, the Board of Directors are responsib le for assessing the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the Board of Directors either intends to liquidate the Company or to cease operations, or has no realistic alternative but to do so. 6. The Board of Directors are also responsible for overseeing the Company's financial reporti ng process. Auditor's Responsibilities for the Audit of the Standalone Financial Results 7. Our objectives are to obtain reasonable assurance about whether the standalone financial results as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opiriion. Reasonable assurance is a high level of assurance but, is not a guarantee that an audit conducted in accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered materi al if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these standalo ne fina ncial results. 8. As part of an audit in accordance with SAs, we exercise professionaljudgmentand m • • ~-professional skepticism throughout the audit. We also:

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level 19, Sunshine Tower, Senapati Bapat Marg, Elph1nstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine lines Mumba i. 400020 8.1 Identify and assess the risks of material misstatement of the standalone financial results, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropr iate to provide a basis for our opinion . The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. 8.2 Obtain an understanding of internal control relevant to the audit in order to design aud it procedures that are appropriate in the circumstances. Under Section 143(3)(i) of the Act, we are also responsible for expressing our opinion on whether the Company has adequate internal financial controls with reference to standalone financ ial statements in place and the operating effectiveness of such controls. 8.3 Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the Board of Directors. 8.4 Conclude on the appropriateness of the Board of Directors' use of the going concern basis of accounting and, based on the audit evidence obtained , whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Company's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attenti'on in our auditor's report to the related disclosures in the standa lone financial results or, if such disclosures are inadequate, to modify our opinion . Our conclusions are based on the audit evidence obta ined up to the date of our auditor's report . However, future events or conditions may cause the Company to cease to continue as a going concern. 8.5 Evaluate the overall presentation, structure and content of the standalone financial results, including the disclosures, and whether the standalone financial results represent the underlying transactions and events in a manner that achieves fair presentation . ~. We communicate with those charged with governance regarding, among other matte rs, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. 10. We also provide those charged with governance with a statement that we have complied with relevant ethical requirements regarding independence, and to communicate with them all relationsh ips and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards.

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level 19, Sunshine Tower, Senapati Ba pat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 Other Matters B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumba i 400020 11. Attention is drawn to the fact that the standalone figures for the quarter ended 30 September 2026 as reported in the Statement, are the balanci ng figures between audited figures for the period from 01 April 2026 to 30 September 2026 and reviewed figures for the quarter ended 30 June 2026. Attention is also drawn to the fact that the standalone figures for the corresponding quarter ended 30 September 2025 as reported in the Statement, are the balancing figures between audited figures for the period from 01 April 2025 to 30 September 2025 and reviewed figures for the quarter ended 30 June 2025. Our opinion is not modified in respect of these matters. For KKC & Associates LLP Chartered Accounta nts (formerly Khimji Kunverji & Co LLP) Firm Registration Number: 105146W/W100621 ~ Devang Doshi Partner ICAI Membership Number: 140056 UDIN: 26140056AMLOYL9281 Place: Chennai Date: 28 October 2026 For B.K. Khare & Co. Chartered Accountants Firm Regis afon Number- 105102W S Rahalka r Partne r ICAI Membership Number: 111212 UDIN: 26111212ZDRNPX9045 Place: Chennai Date: 28 October 2026 ~-:,a::::: ~

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP} level-19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai , Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 Independent Auditor's Report on consolidated financial results for the quarter ended 30 September 2026 and year to date results for the period from 01 April 2026 to 30 September 2026 of Cholamandalam Investment and Finance Company Limited under Regulation 33 and Regulation 52(4} read with 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. To The Board of Directors of Cholamandalam Investment and Finance Company Limited Opinion 1. We have audited the accompanying statement of consolidated financial results of Cholamandalam Investment and Finance Company Limited ('the Parent' or'the Company'} and its subsidiaries (the Parent and its subsidiaries together referred to as 'the Group') and its share of the net profit after tax and total comprehensive income of its associate and joint ventures(including joint ly controlled entities) for the quarter ended 30 September 2026 and year to date results for the period from 01 April 2026 to 30 September2026 ('the Statement'), being submitted by the Company pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ('Listing Regulations,). 2. In our opinion and to the best of our information and according to the explanations given to us, the Statement: 2.1 includes the financial results of the following entities: Name of the entity Relationship Cholamandalam Investment and Finance Parent Company Limited Cholamandalam Securities Limited Subsidiary Cholamandalam Logistics Limited (Formerly Subsidiary known as Cholamandalam Leasing Limited) Vishvakartna Payments Private Limited Associate Payswiff Technologies Private Limited Joint Venture Chola Foundation Jointly controlled entity 2.2 is presented in accordance with the requirements of the Listing Regulations in this regard; and 2.3 give a true and fair view, in conformity with recognition and measurement principles laid down in the applicable Indian Accounting Standards ('Ind AS'), guidelines and directions issued by the f India ('RBI') from time to time ('RBI Guidelines') and other accou • • • d in India; of the consolidated het profit and other comprehensi e4t.~~

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KKC & Associ a tes LLP Chartered Accountants (former ly Khimji Kunverji & Co LLP) Level-19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 other financia l information of the Group, its associate and j oint ventures quarter ended 30 September 2026 and year to date resu Its for the period from 01 April 2026 to 30 September 2026. Basis of Opinion 3. We conducted our audit in accordance with the Standards on Auditi ng ('SAs') specified under section 143(10) of the Companies Act, 2013 ('Act'). Our responsibilities under those SAs are further described in the Auditor's Responsibilities for the Audit of the Consolidated Financial Results section of our report. We are independent of the Group, its associate and its joint ventures in accordance with the Code of Ethics issued by the Institute of Chartered Accountants of India together with the ethical requirements that are relevant to our audit of the financial statements under the provision of the Act and the rules thereunder , and we have fulfilled our other eth ical responsibilities in accordance with these requirements and the Code of Ethics. We believe that the audit evidence obtained by us and other auditor in terms of thei r reports referred to in 'Other Matter' paragraph below, is sufficien t and appropr iate to provide a basis for our opinion. Responsibilities of Management and Those Charged with Governance for the Consolidated Financial Results 4. These quarterly consolidated financia l results as well as the year to date consolidate d financia l results have been prepared on the basis of the consolidated interim IND AS financial statements. The Company's Board of Directors are responsible for the prepa ratio n and presentat ion of these consolidated financial results that give a true and fair view of the consolidated net profit after tax and ot her comprehensive income and other financia l inform ation of the Group, associate and joint ventures in accordance with the recognition and measurement princip les laid down in Ind AS, 'Interim Financial Reporting' prescribed under Section 133 of the Act read with relevant rules issued thereunder, the circu lars, RBI Guidelines and other accounting princip les generally accepted in India and in compliance with the listing Regulations. The respective Board of Directors of the Group, associate and joint ventures are responsible for maintenance of adequate account ing records in accordance with the prov isions of the Act for safeguarding the assets of the Group, associate and joint ventures and for preventing and detecting frauds and other irregularit ies; selection and application of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and the design, implementatio n and maintenance of adequate internal financial controls that were operating effect ively for ensuring the accuracy and completeness of the account ing records, relevant to the preparation and presentat ion of t he consolidated financia l results that give a true and fair view and are free from mate rial misstateme nt, whether due to frau d or error, which has been used for the purpose of preparation of t he consolidated financial results by the Directors of the Company, as aforesaid. 5. In prepar ing the consoli dated financia l results, the respective Board of Directors of the Group, associate and joint vPnt11rPs ;:irp rPspnnsihlP fnr ;issP.ssing thP. ;ibil ity of the Group, associate and joint ventures to continue as a going concern, disclosing, as appl icable, matters related to going concer going concern basis of accounting unless the respective Board of Directors either intends se operations, or has no realistic alternative but to do so.

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level-19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare 8c Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 6. The respective Board of Directors of the Group, associate and joint ventures are responsible for overseeing the financial report ing process of the Group, associate and joint ventures. Auditor's Responsibilities for the Audit of the Consolidated Financial Results 7. Our objectives are to obtain reasonable assurance about whether the consolidated financial results are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion . Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these consolidated financial results. 8. As part of an audit in accordance with SAs, we exercise professional judgment and maintain professiona l skepticism t hroughout the audit. We also: 8.1 Identify and assess the risks of material misstatement of the consolidated financia l results, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis forouropinio n. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intent ional omissions, misrepresentations, or the override of interna l control. 8.2 Obtain an understanding of interna l control relevant to the audit in order to design audit procedures that are appropriate in the circumstances. Under Section 143(3)(i) of the Act, we are also responsible for expressing our opinion on whether t he Company has adequate internal financial contro ls with reference to consolidated financial statements in place and the operating effectiveness of such controls. 8.3 Evaluate the approp riateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the Board of Directors. 8.4 Conclude on the approp riateness of the Board of Directors use of the going concern basis of accounti ng and, based on the audit evidence obtained, whet her a material uncertainty exists related to events or conditions that may cast significant doubt on the Group, associate and joint ventures to contin ue as a going concern. If we conclude that a materia l uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in t he consolidated financial results or, if such disclosures are inadequate, to modify our opinion. Our conclusio ns are based on t he audit evidence obtained up to the date of our auditor's report. However, future events or conditions may cause the Group, associate and joint ventu res to cease to continue as a going concern.

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level-191 Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 8.5 Evaluate the overall presentation, structu re and content of the consolidated financial results, includi ng the disclosures, and whether the consolidated financial results represent the underlying transactions and events in a manner that achieves fair presentation . 8.6 Obtain sufficient appropriate audit evidence regarding the financial results of the Group, associate and joint ventures to express an opinion on the consolidated financial results. We are responsible for the direction, supervision and performance of the audit of financial information of such entities included in the consolidated financial results of which we are the independent auditors. For the other entities included in the consolidated financial results, which have been audited by other auditors , such other auditors remain responsible for the direction, supervision and performance of the audits carried out by them. We remain solely responsible for our audit opinion. 9. We communicate with those charged with governance of the Group, associate and joint ventures included in the consolidated financial results of which we are independent auditors regarding , among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal contro l that we identify during our audit. 10. We also provide those charged with governance with a statement that we have complied with relevant ethical requir ements regarding independence, and to communicate with them all relationships and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards. Other Matters 11. We did not audit the financial results of two subsidiaries included in the Statement, whose financial results, reflect total assets of Rs. 668.65 crores as at 30 September 2026, reflect total revenues of Rs. 28.11 crores and Rs. 51.95 crores, total net profit after tax of Rs. (1.09) crores and Rs. 0.03 crores, total compre hensive income of Rs. (1.10) crores and of Rs. 0.02 crores for the quarter ended 30 September 2026 and for the period from 01 April 2026 to 30 September 2026 respectively, and cash outflows (net) of Rs. 9.86 crores forthe period from 01 April 2026 to 30 September 2026 respectively, as considered in the Statement. The Statement also include s the Group's share of net profit after tax of Rs. 1.33 crores and Rs. 2.82 crores and total comprehensive income of Rs. 1.35 crores and Rs. 2.84 crores for the quarter ended 30 September 2026 and for the period from 01 April 2026 to 30 September 2026 respectively, as considered in the Statement, in respect of one joint venture, whose financial results have not been audited by us. These financial results have been audited by other auditors and their reports, vide whlch they have issued an unmodified opinion have been furnished to us by the Management and our opinion on the Statement, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries, and joint venture, is based solely on the reports of the other auditors Our opinion on the Statement is not modified in respect of the above matter.

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level-19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai , Maharashtra 400013 s. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 12. The Statement also includes the Group's share of net profit after tax of Rs. * and Rs. * and total comprehensive income of Rs. * crores and Rs. • crores (below rounding off norm adopted by the Company) for the quarter ended 30 September 2026 and for the period from 01 April 2026 to 30 September 2026 respectively, as considered in the Statement , in respect of one associate and one jointly contro lled entity, based on their financia l results whic h have not been audited by their auditors. According to the information and explanat ions given to us by the Management, these financial results are not materia l to the Group. Our opinion on t he Statement is not modified in respect of the above matter. 13. Attention is drawn to the fact that the consolidated figures for the quarter ended 30 September 2026 as reported in the Statement, are the balancing figures between audited figures for the period from 01 April 2026 to 30 September 2026 and reviewed figures for the quarte r ended 30 June 2026. Attention is also drawn to the fact that the consolidated figures for the corresponding quarter ended 30 September 2025 as reported in the Statement, are the balancing figures between audited figures for the period from 01 April 2025 to 30 September 2025 and reviewed figures for the quarter ended 30 June 2025. Our opin ion is not modified in respect of these matters . For KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Firm Registration Number: 105146W/Wl00621 ~ Devang Doshi Partner ICAI Membership Number: 140056 UDIN: 26140056PIILEK1480 Place: Chennai Date: 28 October 2026 For B.K. Khare & Co. Chartered Accountants Partner ICAI Membership Number: 111212 UDIN: 26111212JNJKIR1008 Place: Chennai Date: 28 October 2026

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ϮϴƚŚ KĐƚŽďĞƌ͕ϮϬϮϲ >ŝƐƚŝŶŐĞƉĂƌƚŵĞŶƚ tŚŽůĞƐĂůĞĞďƚDĂƌŬĞƚ^ĞŐŵĞŶƚ EĂƚŝŽŶĂů^ƚŽĐŬǆĐŚĂŶŐĞŽĨ/ŶĚŝĂ>ŝŵŝƚĞĚ ǆĐŚĂŶŐĞWůĂǌĂ͕ϱƚŚ&ůŽŽƌ WůŽƚEŽͬ͘ϭ͕'ůŽĐŬ ĂŶĚƌĂͲ<ƵƌůĂŽŵƉůĞǆ͕ĂŶĚƌĂ;Ϳ DƵŵďĂŝϰϬϬϬϱϭ ĞĂƌ^ŝƌͬDĂĚĂŵ͕ ^Ƶď͗ZĞŐƵůĂƚŝŽŶϯϮ͕ϱϮ;ϳͿΘϱϮ;ϳͿŽĨ^/;>ŝƐƚŝŶŐKďůŝŐĂƚŝŽŶƐĂŶĚŝƐĐůŽƐƵƌĞZĞƋƵŝƌĞŵĞŶƚƐͿ ZĞŐƵůĂƚŝŽŶƐ͕ϮϬϭϱ tĞŚĞƌĞďǇĐŽŶĨŝƌŵƚŚĂƚ͕ƚŚĞƉƌŽĐĞĞĚƐŽĨƚŚĞEŽŶͲŽŶǀĞƌƚŝďůĞĞďĞŶƚƵƌĞƐŝƐƐƵĞĚďǇŚŽůĂŵĂŶĚĂůĂŵ /ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽŵƉĂŶǇ>ŝŵŝƚĞĚĚƵƌŝŶŐƚŚĞƋƵĂƌƚĞƌĞŶĚŝŶŐϯϬ ƚŚ ^ĞƉƚĞŵďĞƌ͕ϮϬϮϲ ĂŶĚůŝƐƚĞĚŽŶ E^>ŝŵŝƚĞĚŚĂƐďĞĞŶĨƵůůǇƵƚŝůŝƐĞĚĨŽƌƚŚĞƉƵƌƉŽƐĞĂƐĚŝƐĐůŽƐĞĚŝŶƚŚĞŝƌƌĞƐƉĞĐƚŝǀĞ/ŶĨŽƌŵĂƚŝŽŶ DĞŵŽƌĂŶĚƵŵͬKĨĨĞƌŽĐƵŵĞŶƚͬWƌŽƐƉĞĐƚƵƐͬ<ĞǇ/ŶĨŽƌŵĂƚŝŽŶŽĐƵŵĞŶƚͬdĞƌŵ^ŚĞĞƚŽĨƚŚĞ/ƐƐƵĞ;ƐͿ͘ dŚĞƌĞŝƐŶŽĚĞǀŝĂƚŝŽŶŝŶƵƚŝůŝƐĂƚŝŽŶŽĨ ĨƵŶĚƐŝŶƌĞƐƉĞĐƚŽĨƚŚĞŽďũĞĐƚƐŽƌƉƵƌƉŽƐĞƐĨŽƌǁŚŝĐŚƚŚĞĨƵŶĚƐŚĂǀĞ ďĞĞŶƌĂŝƐĞĚƚŚƌŽƵŐŚĚĞďƚƐĞĐƵƌŝƚŝĞƐĨŽƌƚŚĞƌĞƉŽƌƚŝŶŐƉĞƌŝŽĚ͘WůĞĂƐĞƌĞĨĞƌƚŽƚŚĞŶŶĞǆƵƌĞĨŽƌƚŚĞ ƐƚĂƚĞŵĞŶƚŽĨƵƚŝůŝƐĂƚŝŽŶĂŶĚͬŽƌĚĞǀŝĂƚŝŽŶŽĨŝƐƐƵĞƉƌŽĐĞĞĚƐ͘ <ŝŶĚůǇƚĂŬĞƚŚĞĂďŽǀĞŽŶ ƌĞĐŽƌĚ͘ zŽƵƌƐĨĂŝƚŚĨƵůůǇ͕ &ŽƌŚŽůĂŵĂŶĚĂůĂŵ/ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽŵƉĂŶǇ>ŝŵŝƚĞĚ͕ ,ĂƌĚŝŬWĂŶĚǇĂ͕ sŝĐĞWƌĞƐŝĚĞŶƚ ʹ dƌĞĂƐƵƌǇ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:13:59 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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ŶŶĞǆƵƌĞ A. Statement of utilization of issue proceeds (July 2026 to September 2026): EĂŵĞ ŽĨƚŚĞ /ƐƐƵĞƌ ISIN DŽĚĞŽĨ &ƵŶĚ ZĂŝƐŝŶŐ ;WƵďůŝĐ ŝƐƐƵĞƐͬ WƌŝǀĂƚĞ ƉůĂĐĞŵĞŶƚͿ dǇƉĞŽĨ ŝŶƐƚƌƵŵĞŶ ƚ ĂƚĞŽĨƌĂŝƐŝŶŐ ĨƵŶĚƐ ŵŽƵŶƚ ZĂŝƐĞĚ ;ŝŶĐƌƐͿ &ƵŶĚƐƵƚŝůŝǌĞĚ ŶǇ ĚĞǀŝĂ ƚŝŽŶ ;zĞƐͬ EŽͿ /ĨϴŝƐ zĞƐ͕ ƚŚĞŶ ƐƉĞĐŝĨǇ ƚŚĞ ƉƵƌƉŽƐĞ ŽĨĨŽƌ ǁŚŝĐŚ ƚŚĞ ĨƵŶĚƐ ǁĞƌĞ ƵƚŝůŝǌĞĚ ZĞŵĂƌŬƐ ͕ŝĨĂŶǇ 1 2 3 4 5 6 7 8 9 10 /&> /EϭϮϭϬϳ^&ϰ WƌŝǀĂƚĞ WůĂĐĞŵĞŶƚ E ϮϭͲƵŐͲϮϬϮϲ ϯϱϬ ƐƉĞƌ</ EŽ E E /&> /EϭϮϭϬϴYϳ WƌŝǀĂƚĞ WůĂĐĞŵĞŶƚ W/ ϬϭͲ^ĞƉͲϮϬϮϲ Ϯ͕ϬϬϬ ƐƉĞƌ</ EŽ E E B. Statement of deviation/ variation in use of Issue proceeds: Particulars Remarks EĂŵĞŽĨůŝƐƚĞĚĞŶƚŝƚǇ ŚŽůĂŵĂŶĚĂůĂŵ/ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽ>ƚĚ DŽĚĞŽĨĨƵŶĚƌĂŝƐŝŶŐ WƌŝǀĂƚĞWůĂĐĞŵĞŶƚʹ EĂŶĚW/ dǇƉĞŽĨŝŶƐƚƌƵŵĞŶƚ EĂŶĚW/;WƌŝǀĂƚĞ/ƐƐƵĞͿ ĂƚĞŽĨƌĂŝƐŝŶŐĨƵŶĚƐ :ƵůǇ ϮϬϮϲʹ ^ĞƉƚĞŵďĞƌϮϬϮϲ ŵŽƵŶƚƌĂŝƐĞĚ Ϯ͕ϯϱϬ͘ϬϬĐƌƐ ZĞƉŽƌƚĨŝůĞĚĨŽƌƋƵĂƌƚĞƌĞŶĚĞĚ ^ĞƉƚĞŵďĞƌ ϮϬϮϲ /ƐƚŚĞƌĞĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶŝŶƵƐĞŽĨĨƵŶĚƐƌĂŝƐĞĚ͍ EŽ tŚĞƚŚĞƌĂŶǇĂƉƉƌŽǀĂůŝƐƌĞƋƵŝƌĞĚƚŽǀĂƌǇƚŚĞŽďũĞĐƚƐŽĨ ƚŚĞŝƐƐƵĞƐƚĂƚĞĚŝŶƚŚĞƉƌŽƐƉĞĐƚƵƐͬŽĨĨĞƌĚŽĐƵŵĞŶƚ͍ E /ĨǇĞƐ͕ĚĞƚĂŝůƐŽĨƚŚĞĂƉƉƌŽǀĂůƐŽƌĞƋƵŝƌĞĚ͍ E ĂƚĞŽĨĂƉƉƌŽǀĂů E ǆƉůĂŶĂƚŝŽŶĨŽƌƚŚĞĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚĐŽŵŵŝƚƚĞĞĂĨƚĞƌƌĞǀŝĞǁ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚŽƌƐ͕ŝĨĂŶǇ E KďũĞĐƚƐ ĨŽƌǁŚŝĐŚĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚĂŶĚǁŚĞƌĞƚŚĞƌĞŚĂƐďĞĞŶĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ͕ŝŶƚŚĞĨŽůůŽǁŝŶŐƚĂďůĞ͗ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:14:11 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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KƌŝŐŝŶĂů KďũĞĐƚ DŽĚŝĨŝĞĚ KďũĞĐƚ͕ŝĨ ĂŶǇ KƌŝŐŝŶĂů ůůŽĐĂƚŝŽŶ DŽĚŝĨŝĞĚ ĂůůŽĐĂƚŝŽŶ͕ŝĨ ĂŶǇ &ƵŶĚƐ ƵƚŝůŝƐĞĚ ŵŽƵŶƚŽĨ ĚĞǀŝĂƚŝŽŶͬ ǀĂƌŝĂƚŝŽŶĨŽƌƚŚĞ ƋƵĂ ƌƚĞƌĂĐĐŽƌĚŝŶŐ ƚŽĂƉƉůŝĐĂďůĞ ŽďũĞĐƚ;ŝŶZƐ͘ ĐƌŽƌĞĂŶĚŝŶйͿ ZĞŵĂƌŬƐ͕ŝĨ ĂŶǇ E E E E E E E ĞǀŝĂƚŝŽŶĐŽƵůĚŵĞĂŶ͗ Ă͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞŽďũĞĐƚƐŽƌƉƵ ƌƉŽƐĞƐĨŽƌǁŚŝĐŚƚŚĞĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚ͘ ď͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞĂŵŽƵŶƚŽĨĨƵŶĚƐĂĐƚƵĂůůǇƵƚŝůŝǌĞĚĂƐĂŐĂŝŶƐƚ ǁŚĂƚǁĂƐŽƌŝŐŝŶĂůůǇĚŝƐĐůŽƐĞĚ͘ EĂŵĞŽĨƐŝŐŶĂƚŽƌǇ͗,Z/<WEz ĞƐŝŐŶĂƚŝŽŶ͗sŝĐĞWƌĞƐŝĚĞŶƚ Ͳ dZ^hZz ĂƚĞ͗ϮϴƚŚ KĐƚŽďĞƌ͕ϮϬϮϲ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:14:23 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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ϮϴƚŚ KĐƚŽďĞƌ͕ϮϬϮϲ dŚĞ'ĞŶĞƌĂůDĂŶĂŐĞƌ͕ ĞƉĂƌƚŵĞŶƚŽĨŽƌƉŽƌĂƚĞ^ĞƌǀŝĐĞƐ͕ ^>ŝŵŝƚĞĚ͕WŚŝƌŽǌĞ:ĞĞũĞĞďŚŽǇdŽǁĞƌƐ͕ ĂůĂŝ^ƚƌĞĞƚ͕DƵŵďĂŝͲ ϰϬϬϬϬϭ͘ ĞĂƌ^ŝƌͬDĂĚĂŵ͕ ^Ƶď͗ZĞŐƵůĂƚŝŽŶϯϮ͕ϱϮ;ϳͿΘϱϮ;ϳͿŽĨ^/;>ŝƐƚŝŶŐKďůŝŐĂƚŝŽŶƐĂŶĚŝƐĐůŽƐƵƌĞZĞƋƵŝƌĞŵĞŶƚƐͿ ZĞŐƵůĂƚŝŽŶƐ͕ϮϬϭϱ tĞŚĞƌĞďǇĐŽŶĨŝƌŵƚŚĂƚ͕ƚŚĞƉƌŽĐĞĞĚƐŽĨƚŚĞEŽŶͲŽŶǀĞƌƚŝďůĞĞďĞŶƚƵƌĞƐŝƐƐƵĞĚďǇŚŽůĂŵĂŶĚĂůĂŵ /ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽŵƉĂŶǇ>ŝŵŝƚĞĚĚƵƌŝŶŐƚŚĞƋƵĂƌƚĞƌĞŶĚŝŶŐϯϬ ƚŚ ^ĞƉƚĞŵďĞƌ͕ϮϬϮϲ ĂŶĚůŝƐƚĞĚŽŶ ^>ŝŵŝƚĞĚŚĂƐďĞĞŶĨƵůůǇƵƚŝůŝƐĞĚĨŽƌƚŚĞƉƵƌƉŽƐĞĂƐĚŝƐĐůŽƐĞĚŝŶƚŚĞŝƌƌĞƐƉĞĐƚŝǀĞ<ĞǇ/ŶĨŽƌŵĂƚŝŽŶ ŽĐƵŵĞŶƚͬWƌŽƐƉĞĐƚƵƐͬ<ĞǇ/ŶĨŽƌŵĂƚŝŽŶŽĐƵŵĞŶƚͬdĞƌŵ^ŚĞĞƚŽĨƚŚĞ/ƐƐƵĞ;ƐͿ͘ dŚĞƌĞŝƐŶŽĚĞǀŝĂƚŝŽŶŝŶƵƚŝůŝƐĂƚŝŽŶŽĨĨƵŶĚƐŝŶƌĞƐƉĞĐƚŽĨƚŚĞŽďũĞĐƚƐŽƌƉƵƌƉŽƐĞƐĨŽƌǁŚŝĐŚƚŚĞĨƵŶĚƐŚĂǀĞ ďĞĞŶƌĂŝƐĞĚƚŚƌŽƵŐŚĚĞďƚƐĞĐƵƌŝƚŝĞƐĨŽƌƚŚĞƌĞƉŽƌƚŝŶŐƉĞƌŝŽĚ͘WůĞĂƐĞƌĞĨĞƌƚŽƚŚĞŶŶĞǆƵƌĞĨŽƌƚŚĞ ƐƚĂƚĞŵĞŶƚŽĨƵƚŝůŝƐĂƚŝŽŶĂŶĚͬŽƌĚĞǀŝĂƚŝŽŶŽĨŝƐƐƵĞƉƌŽĐĞĞĚƐ͘ <ŝŶĚůǇƚĂŬĞƚŚĞĂďŽǀĞŽŶƌĞĐŽƌĚ͘ zŽƵƌƐ ĨĂŝƚŚĨƵůůǇ͕ &ŽƌŚŽůĂŵĂŶĚĂůĂŵ/ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽŵƉĂŶǇ>ŝŵŝƚĞĚ͕ ,ĂƌĚŝŬWĂŶĚǇĂ͕ sŝĐĞWƌĞƐŝĚĞŶƚ ʹ dƌĞĂƐƵƌǇ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:12:58 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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ŶŶĞǆƵƌĞ A. Statement of utilization of issue proceeds (July 2026 to September 2026): EĂŵĞ ŽĨƚŚĞ /ƐƐƵĞƌ ISIN DŽĚĞŽĨ &ƵŶĚ ZĂŝƐŝŶŐ ;WƵďůŝĐ ŝƐƐƵĞƐͬ WƌŝǀĂƚĞ ƉůĂĐĞŵĞŶƚͿ dǇƉĞŽĨ ŝŶƐƚƌƵŵĞŶ ƚ ĂƚĞŽĨ ƌĂŝƐŝŶŐĨƵŶĚƐ ŵŽƵŶƚ ZĂŝƐĞĚ;ŝŶ ĐƌƐͿ &ƵŶĚƐƵƚŝůŝǌĞĚ ŶǇ ĚĞǀŝĂ ƚŝŽŶ ;zĞƐͬ EŽͿ /ĨϴŝƐ zĞƐ͕ ƚŚĞŶ ƐƉĞĐŝĨǇ ƚŚĞ ƉƵƌƉŽƐĞ ŽĨĨŽƌ ǁŚŝĐŚ ƚŚĞ ĨƵŶĚƐ ǁĞƌĞ ƵƚŝůŝǌĞĚ ZĞŵĂƌŬƐ ͕ŝĨĂŶǇ 1 2 3 4 5 6 7 8 9 10 E E E E E E E E E E B. Statement of deviation/ variation in use of Issue proceeds: Particulars Remarks EĂŵĞŽĨůŝƐƚĞĚĞŶƚŝƚǇ ŚŽůĂŵĂŶĚĂůĂŵ/ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽ>ƚĚ DŽĚĞŽĨĨƵŶĚƌĂŝƐŝŶŐ E dǇƉĞŽĨŝŶƐƚƌƵŵĞŶƚ E ĂƚĞŽĨƌĂŝƐŝŶŐĨƵŶĚƐ :ƵůǇ ϮϬϮϲ ʹ ^ĞƉƚĞŵďĞƌ ϮϬϮϲ ŵŽƵŶƚƌĂŝƐĞĚ Ϭ͘ϬϬĐƌƐ ZĞƉŽƌƚĨŝůĞĚĨŽƌƋƵĂƌƚĞƌĞŶĚĞĚ ^ĞƉƚĞŵďĞƌϮϬϮϲ /ƐƚŚĞƌĞĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶŝŶƵƐĞŽĨĨƵŶĚƐƌĂŝƐĞĚ͍ EŽ tŚĞƚŚĞƌĂŶǇĂƉƉƌŽǀĂůŝƐƌĞƋƵŝƌĞĚƚŽǀĂƌǇƚŚĞŽďũĞĐƚƐŽĨ ƚŚĞŝƐƐƵĞƐƚĂƚĞĚŝŶƚŚĞƉƌŽƐƉĞĐƚƵƐͬŽĨĨĞƌĚŽĐƵŵĞŶƚ͍ E /ĨǇĞƐ͕ĚĞƚĂŝůƐŽĨƚŚĞĂƉƉƌŽǀĂůƐŽƌĞƋƵŝƌĞĚ͍ E ĂƚĞŽĨĂƉƉƌŽǀĂů E ǆƉůĂŶĂƚŝŽŶĨŽƌƚŚĞĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚĐŽŵŵŝƚƚĞĞĂĨƚĞƌƌĞǀŝĞǁ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚŽƌƐ͕ŝĨĂŶǇ E KďũĞĐƚƐĨŽƌǁŚŝĐŚĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚĂŶĚǁŚĞƌĞƚŚĞƌĞŚĂƐďĞĞŶĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ͕ŝŶƚŚĞĨŽůůŽǁŝŶŐƚĂďůĞ͗ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:13:26 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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KƌŝŐŝŶĂů KďũĞĐƚ DŽĚŝĨŝĞĚ KďũĞĐƚ͕ŝĨ ĂŶǇ KƌŝŐŝŶĂů ůůŽĐĂƚŝŽŶ DŽĚŝĨŝĞĚ ĂůůŽĐĂƚŝŽŶ͕ŝĨ ĂŶǇ &ƵŶĚƐ ƵƚŝůŝƐĞĚ ŵŽƵŶƚŽĨ ĚĞǀŝĂƚŝŽŶͬ ǀĂƌŝĂƚŝŽŶĨŽƌƚŚĞ ƋƵĂƌƚĞƌĂĐĐŽƌĚŝŶŐ ƚŽĂƉƉůŝĐĂďůĞ ŽďũĞĐƚ;ŝŶZƐ͘ ĐƌŽƌĞĂŶĚŝŶйͿ ZĞŵĂƌŬƐ͕ŝĨ ĂŶǇ E E E E E E E ĞǀŝĂƚŝŽŶĐŽƵůĚŵĞĂŶ͗ Ă͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞŽďũĞĐƚƐŽƌƉƵ ƌƉŽƐĞƐĨŽƌǁŚŝĐŚƚŚĞĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚ͘ ď͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞĂŵŽƵŶƚŽĨĨƵ ŶĚƐĂĐƚƵĂůůǇƵƚŝůŝǌĞĚĂƐĂŐĂŝŶƐƚǁŚĂƚǁĂƐŽƌŝŐŝŶĂůůǇĚŝƐĐůŽƐĞĚ͘ EĂŵĞ ŽĨƐŝŐŶĂƚŽƌǇ͗,Z/<WEz ĞƐŝŐŶĂƚŝŽŶ͗sŝĐĞWƌĞƐŝĚĞŶƚ Ͳ dZ^hZz ĂƚĞ͗ϮϴƚŚ KĐƚŽďĞƌ͕ϮϬϮϲ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:13:40 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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To, The Board of Directors Cholamandalam Investment and Finance Company Limited B. K. Khare & Co. Chartered Accountants 706- 708, Sharda Chambers New Marine Lines Mumbai 400020 Independent Auditor's Certificate on the Statement of maintenance of security cover in respect of secured listed Non-Convertible Debentures('NCD') as at 30 September 2026. 1. This Certificate is issued in accordance with the terms of our addendum to engagement letter dated 26 June 2026 with Cholamandalam Investment and Finance Company Limited (''the Company") and pursuant to Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and SEBI circular SEBI/HO/DDHS PoDl/P/CIR/2025/117 dated 13 August 2025 as amended(Collectively referred to as the "Regulations"). 2. We, B. K. Khare & Co., Chartered Accountants (Firm Registration Number 105102W), joint statutory auditors of the Company, have examined the details, as under, given in the attached statement (referred to as the "Statement") prepared by the management is stamped by us for identification: a. Computation of Security cover as on 30 September 2026; b. Details of book value of assets and liabilities and the market value of the charged assets of the Company as on 30 September2026 as per the Regulations; and c. Statement of compliance with the covenants for the quarter ended 30 September 2026. Management's Responsibility 3. The Compliance with the Regulations & other applicable circulars, the terms & covenants of the NCDs as per the Offer Document/Shelf Placement Memorandum and Debenture Trust Deeds and Calculation of security cover as given in the attached Statement is the responsibility of the Company's management. This responsibility includes the design. implementation, and maintenance of interna l controls retevant to the preparation and presentation of the statement. The management is also responsible for ensuring that the Company complies with the requirements, including those given in the Regulations and provides all the required relevant information to the Debenture Trustee. Auditor's Responsibility 4. Our responsibility for the purpose of this certificate is to certify the book values as considered in the Statement, in relation to the computation of Security cover, is in agreement with the audited standalone financial statements/results for the quarter and year to date as on 30 September 2026, has complied, in all material respects, with the covenants in respect of the listed NCDs of the Company outstanding as at 30 September 2026 as mentioned in the Statement. 5. The standalone financial statements/ results for the quarter and year to date as on 30 September 2026 have been audited by us, on which we issued an unqualified audi.t opinion Vide our report Page 1 of3

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B. K. Khare & Co. Chartered Accountants dated 28 October 2026. Our audit of these standalone financial statements was conducted in accordance with the Standards on Auditing specified under Section 143(10) of the Companies Act, 2013 and SEBJ (Listing Obligations and Disclosure Requirements) Regulations, 2015. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statement are free of material misstatement. 6. For the purpose of our examination , we have performed the following procedures in respect of the accompanying statement: 6.1 Obtained the audited standalone financial information of the company as at and for the quarter ended 30 September 2026; 6.2 Traced the amounts in the Statement , in relation to the computation of Security cover, to the audited standalone financial information of the company and other accounting records maintained by the Company as at and for the quarter ended 30 September2026; 6.3 Ensured arithmetical accuracy of the computation of security cover in the Statement; 6.4 Selectively verified that the Company has made timely payments of interest and/or installments of principal during for the quarter ended 30 September 2026; 6.5 On test check basis, checked the compliance with the covenants stated in the Debenture Trust deed. 7. We conducted our examination of the Statement in accordance with the Guidance Note on Reports or Certificates for Special Purposes (the "Guidance Note") issued by the lnstit1.1te of Chartered Accountant of India (ICAI). We have complied with the relevant applicable requirements of the Standard on Quality Control ("SQC") 1, Quality Control for Firms that perform Audits and Reviews of Historical Financial Information, and Other Assurance and Related Services Engagements. Opinion 8. On the basis of our examihation as above and in accordance to the information , explanations & representations given to us, we are of the opinion that the book values as considered in the Statement , in relation to the computation of Security cover, is in agreement with the audited standalone financ:ir1I str1tf'mf'ntc;/ n=",I lite; fnr thP 'I' 1;:irtPr nnrl yPnr tn ri;:itp ;:ic; ;it 'in <:;PJ1tPmhPr 7n?f.i, and the Company during the quarter ended 30 September 2026, has complied, in all material respects, with the covenants in respect of the listed NCDs of the Company outstanding as at 30 September 2026 as mentioned in the Statement. Restriction on Use 9. This certificate is addressed to and provided to the Board of Directors of the Company solely for the purpose of submission to Debenture Trustees and Stock Exchanges in accordance with the Pagel of3 Regulations and should not be used for any other purpose. Accardi ::::~~ accept or

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B. K. Khare & Co. Chartered Accountan ts assume any liabili ty or any duty of care for any other purpose or to any other person to whom this certificate is shown or into whose hands it may come without our prior consent in writ ing. For B. K. Khare & Co. Chartered Accountants Firm's Registration No: 105102W Partner Membershi p Number: 111212 UDIN: 26111212JK LOOG3981 Place: Chennai Date: 28 October 2026 Page3 of3

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Choli1mand'i1l11m lnwr.itmient ilnd Flnante Company Umlted Anne.ure •I• Sl!!tur1ty Cover Columc, A column B Columnc ColutnrtD Column E CcJumnF (OW.lnl'IG Col.um.I\ l:i Co1umn I COiumn J COiumn K I cotuMnl I Colu.rn.nM I ColumnN I COILltnnO P•rl- P.ri- Pilri • AS!iels nol Elim in ii lion (Total b:clu~ve Ch•rae hchaslve Ouirac: Passu Pil.r.sU ...... offered il5 (amount In Related to only tho~ Items cov•,td by th s cenlfin ,tc- Ct,.uge Charge Ch■ rBe se,uritv necatlvt) CtoHI As.$1:u \narea av Uf1Vltll/00QI( De$Crfptlon pui pill.HU d!!!hl vilue for valu</booli ofusttfor holdor Other ils~1, on debt amount oc.hmvld\lfle Yillue for part Pa,tkulan. whlch lhls O•bt fcu which Dtbl for wtiith (ind udt".S debt whkhth~ f1 ccnlide,td more fViukeLVillUe ,Hsttl Whef f' M1rket ,,..... c.c,Uflote thls Olher this for Which this: pilrf-PllSU than Oftce (dut for Assets market Valt.t1 for ch1rs:1n~1s Total t-tlale. cerlifkale belna Secured 01tbt certlncate bejn& certl&ateh. c.ha,1e ID c.h1raedon Y1luet1no1 P.aripusu whtn• mo11iker V1luC!(•K+ltMt '""" lss:t.utd l.nutd& texciudJn1 hems exduRve pluJ. hdu, lvebil"5 uc.ena nable-or ctiIr1~ v,1lu1 NI other debl ccveredin PUI passu 11pplfuble Asntsvll i ls not with p1rl pam.i column F) ch ■ rae) (For tg , Bank ucer ralnable .. ha,--i Babnr• n c::RA o, :apptrc.1ble 8001: V1lue Book Value Yes/No Boo~V•luc 8ooltV'.t1.1e M5El5 Propiem,Plant 1.n.d Eoulprmmt .. ~, 1.30895 . Capltal Work•in• PrOQ:reu lJU) US&l fUr:hl ol Uk •\,.Mill- 70l,U 708.12 . GoodMII . ln1n1lble An1H1 2S,Cl 2561 lnt..,Mlbk, A.utlt 1;ande1 01."VCl..opnwnl =• ll.69 liiYHlments 1.,:cu1 8,420.61 . 6001: Otbc Lo,ns ,ee1l11.ab~, 30,160.88 1,68,Sli BJ Ho •.&<19•2 ,uooa, 2.40,133.20 tnventorle-.s . . T11de Reteiy;abre ...... ~S.45 - Cash al'!d C:ash Eaulvalent.s l .,MtJt 7.849.39 8anlc B;,l,1nc:e1 olher rhen Cuh al')d Cash Eauiv;a1enu S7SU6 S,756,76 A.s,;;et held for sale - 1nvestm~ t . . Othus ,1,61'.54 U36.S4 Tot.al '.14,160,11 l ,IU2U3 . 4.ICU2 6UOU2 . l...69,03S..35 . UABllffiES Oeb t H.CLlrillU u, which thls c:1dnu c1 puta lrt1 3U86.63 No lQ.'l0,11 42.891..35 O1.tuu· deb1 sh1ulni parl•p,u:su charge wlch ~bc1,1e debl No . OlhtrOeb\ . ~ubordlna1,d D•bt 11,1S1.n 17,757 72 E!iorrowln1s Bink• t.65.~03.1S l ,37&.67 2.,2n:.1t L70,872.60 Dab l Ul't"tJtiUH . Othe,, Tn1de Da't';blCJ 1.&lUO 1.621.S0 le.au Uabllltle, 7",04 769.04 P10a1411, ...... 28' 68 . Ochers !5,2!1.DI 35.239.06 Tot;al 32.68&.13 1.6S.20US l.375.67 6'.16!.51 . 2.69,US.95 - . . COYU on 8001' Vth1a 1.os 1.02 U4 Cover on Markel V,alur Plfl •PUSU r ' Exclusln Sec.urity Securlry Cove.r ~ COVltr Ratio 1.0J flatio 1.44 q _ ' ' • Ban.k lnck.Jduin ~ -ii

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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED (CIFCL) AUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED 30th SEPTEMBER 2026 Key Financial Results (Q2 and H1 FY 26-27): • Total AUM at ₹ 2,68,009 Cr (Up by 25% YoY) • Net Income for the quarter was at ₹ 5,037 Cr (Up by 24% YoY) and ₹ 9,967 Cr for the half year ended (Up by 26% YoY) • PAT at ₹ 1,630 Cr for the quarter (Up by 41% YoY) and ₹ 3,284 Cr for the half year ended (Up by 43%) Chennai, October 28th, 2026: The Board of Directors of CIFCL today approved the audited financial results for the quarter and half ended 30th September 2026. Performance Highlights: • Aggregate disbursements in Q2 FY 27 were at ₹ 35,872 Cr and ₹ 65,484 in H1 FY 27 with the AUM of ₹ 2,68,009 Cr as of 30th September 2026 as compared to ₹ 2,14,906 Cr as of 30th September 2025, registering a growth of 25% on Y-O-Y. • Vehicle Finance (VF) disbursements were at ₹ 17,801 Cr in Q2 FY 2 7 and ₹ 34,304 Cr in H1 FY 2 7, with the AUM of ₹ 1,29,787 Cr as of 30 th September 2026 as compared to ₹ 1,07,568 Cr in the previous year, registering a growth of 21% Y-o-Y. • Loan Against Property (LAP) business disbursed ₹ 6,438 Cr in Q2 FY 2 7 and ₹ 11,218 Cr in H1 FY 2 7, with the AUM of ₹ 57,447 Cr as of 30 th September 2026 as compared to ₹ 46,302 Cr in the previous year, registering a growth of 24% Y-o-Y. • Home Loan business disbursed ₹ 2,426 Cr in Q2 FY 27, and ₹ 4,223 in H1 FY 27, with the AUM of ₹ 25,240 Cr as of 30th September 2026 as compared to ₹ 20,405 Cr in the previous year, registering a growth of 24% Y-o-Y. Rs in Cr. Particulars Q2 FY 26 Q2 FY 27 Growth (Y-o-Y) YTD Sep-25 YTD Sep-26 Growth (Y-o-Y) Disbursements 24,442 35,872 47% 48,767 65,484 34% AUM 2,14,906 2,68,009 25% 2,14,906 2,68,009 25% Total Income 7,590 9,367 23% 14,921 18,300 23% Finance Cost -3,516 -4,329 23% -6,982 -8,333 19% Net Income 4,075 5,037 24% 7,939 9,967 26% Total Expenses -1,617 -1,975 22% -3,070 -3,762 23% Loan Losses -897 -874 -3% -1,779 -1,796 1% Profit Before Tax 1,561 2,188 40% 3,090 4,409 43% Profit After Tax 1,155 1,630 41% 2,291 3,284 43%

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• Small and Medium Enterprises Loan (SME) business disbursed ₹ 2,453 Cr in Q2 FY 27, and ₹ 4,445 Cr in H1 FY27, with the AUM of ₹ 10,943 Cr as of 30th September 2026 as compared to ₹ 7,544 Cr in the previous year, registering a growth of 45% Y-o-Y. • Consumer and Small Enterprise Loans (CSEL) disbursed ₹ 4,339 Cr in Q 2 FY 27, and ₹ 7,747 Cr in H1 FY27, with the AUM of ₹ 17,216 Cr as of 30th September 2026 as compared to ₹ 13,952 Cr in the previous year, registering a growth of 23% Y-o-Y. • Secured Business and Personal Loan (SBPL) disbursed ₹ 454 Cr in Q2 FY 27, and ₹ 833 Cr in H1 FY27, with the AUM of ₹ 3,966 Cr as of 30th September 2026 as compared to ₹ 2,932 Cr in the previous year, registering a growth of 35% Y-o-Y. • Gold Loans (GL) business disbursed ₹ 1,960 Cr in Q2 FY27 and ₹ 2,714 Cr in H1 FY27, with the AUM of ₹ 3,446 Cr as of 30th September 2026 and continued to scale steadily. We are currently operating through 308 dedicated branches. • PBT Growth was 40% in Q2 and 43% in H1 of FY 27. • PBT-ROA for Q2 is at 3.4% and 3.5% in H1 FY 27. • ROE for Q2 FY 27 was at 19.43%. and 20.26% in the H1 FY 27. • The Company continues to hold a strong liquidity position with ₹ 21,352 Cr as cash balance as at end of Sep'2026 (including HQLA of ₹ 7,745.42 Cr invested in GSEC / SDL & Strips shown under investments held in compliance with LCR requirements), with a total liquidity position of ₹ 21,974 Cr (including undrawn sanctioned lines). The ALM is comfortable with no negative cumulative mismatches across all time buckets. • Consolidated Profit Before Tax (PBT) for Q2 FY 27 was at ₹ 2,187 Cr as against ₹ 1,565 Cr in Q2 FY 26 registering a growth of 40% and for H1 FY 27 was at ₹ 4,409 Cr as against ₹ 3,096 Cr in H1 FY 26 registering a growth of 42%. Asset Quality: Stage 3 levels representing 90+ dues were at 3.25% as of September 26 as against 3.29% at the end of June 26. GNPA % as per RBI norms was at 4.44% as of September 26 as against 4.50% in June 26. NNPA as per RBI norms was at 2.92% as of September 26 as against 2.95% in June 26. The details of the stagewise assets and provisions are given in the Annexure. Capital Adequacy: The Capital Adequacy Ratio (CAR) of the company as o f 30th September 2026, was at 20.62% as against the regulatory requirement of 15%. Tier-I Capital was at 1 6.02% (Common Equity Tier-I Capital at 1 4.88% as against a regulatory minimum of 9%) and Tier-II Capital was at 4.60%. As on Sep-26 the conversion of CCDs into equity shares was completed.

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Capital Issue – Qualified Institutions Placement The Board of Directors at their meeting held today have approved the issue of equity shares and / or eligible securities convertible into equity shares by way of a Qualified Institutions Placement to eligible Qualified Institutional buyers for an aggregate amount not exceeding Rs.5,000 crores in one or more tranches at such price and on such terms and conditions as may be determined in accordance with Chapter VI of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 and other applicable laws, subject to receipt of requisite approvals.

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Annexure Stage wise ECL Summary Asset Classification: STAGE_1A Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised and currently in the 0-30 days - Hence no more an NPA as per RBI norms STAGE_1B Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 1 currently - Hence an NPA as per current RBI norms STAGE_2A Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised post that and now in 31-90 days DPD - Hence no more an NPA as per RBI norms STAGE_2B Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 2 currently - Hence an NPA as per current RBI norms STAGE_3 Represents assets which continues to be a NPA as on the closing date - Hence an NPA as per current RBI norms Stage wise Summary - Sep 26 Stage wise Summary - Jun 26 Total Total Particulars Asset Provn NNPA Particulars Asset Provn NNPA Rs in Cr Rs in Cr Rs in Cr Rs in Cr Rs in Cr Rs in Cr Stage 1A 2,29,974 773 2,29,201 Stage 1A 2,15,900 730 2,15,170 Stage 1B 542 18 524 Stage 1B 521 18 503 Total Stage 1 2,30,515 791 2,29,725 Total Stage 1 2,16,420 747 2,15,673 Stage 2A 4,190 312 3,878 Stage 2A 3,995 297 3,698 Stage 2B 2,387 205 2,181 Stage 2B 2,268 197 2,071 Total Stage 2 6,576 518 6,059 Total Stage 2 6,263 494 5,769 Stage 3 7,955 3,605 4,350 Stage 3 7,565 3,459 4,106 Total Stage 3 7,955 3,605 4,350 Total Stage 3 7,565 3,459 4,106 Total 2,45,047 4,913 2,40,133 Total 2,30,249 4,701 2,25,548 NPA as per RBI (incl Sec) 10,883 3,829 7,055 NPA as per RBI (incl Sec) 10,354 3,675 6,679 NNPA RBI % 2.92% NNPA RBI % 2.95% Total Total Particulars Asset Provn NNPA % Particulars Asset Provn NNPA % % PCR (%) % % PCR (%) % Stage 1A 93.85% 0.34% 93.53% Stage 1A 93.77% 0.34% 93.45% Stage 1B 0.22% 3.32% 0.21% Stage 1B 0.23% 3.45% 0.22% Total Stage 1 94.07% 0.34% 93.75% Total Stage 1 93.99% 0.35% 93.67% Stage 2A 1.71% 7.45% 1.58% Stage 2A 1.74% 7.43% 1.61% Stage 2B 0.97% 8.61% 0.89% Stage 2B 0.99% 8.70% 0.90% Total Stage 2 2.68% 7.87% 2.47% Total Stage 2 2.72% 7.89% 2.51% Stage 3 3.25% 45.32% 1.78% Stage 3 3.29% 45.73% 1.78% Total Stage 3 3.25% 45.32% 1.78% Total Stage 3 3.29% 45.73% 1.78% Total 100.00% 2.01% 97.99% Total 100.00% 2.04% 97.96% NPA as per RBI (incl Sec) 4.44% 35.18% 2.88% NPA as per RBI (incl Sec) 4.50% 35.49% 2.90% NNPA RBI % 2.92% NNPA RBI % 2.95% Rs in Cr. Particulars Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross Assets - Stage 1 & 2 1,91,454 2,01,976 2,15,175 2,22,683 2,37,092 Gross Assets - Stage 3 6,627 7,013 6,767 7,565 7,955 Stage 3 Assets to Total Gross Assets 3.35% 3.36% 3.05% 3.29% 3.25% Coverage Ratio (%) - Stage 3 43.23% 43.03% 47.29% 45.73% 45.32%

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level 19, Sunshine Tower, Senapati Ba pat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare & Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 Management's Responsibilities for the Standalone Financial Results 4. These quarterly financial results as well as the year to date standalone financial results have been prepared on the basis of the interim IND AS financial statements. The Company's Board of Directors are responsible for the preparation and presentation of these standalone financial results that give a true and fair view of the net profit after tax and other comprehensive income and other financial information in accordance with the recognition and measurement principles laid down in Ind AS 34, 'Interim Financial Reporting' prescribed under Section 133 of the Act read with relevant rules issued thereunder, the circulars, RBI Guidelines and other accounting princip les generally accepted in India and in compliance with the Listing Regulations. This responsibility also includes maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding of the assets of the Company and for preventing and detecting frauds and other irregularities; selection and application of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and design, implementation and maintenance of adequate internal financial controls that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparation and presentation of the standalone financial results that give a true and fair view and are free from material misstatement, whether due to fraud or error, which has been used for the purpose of preparat ion of the standalone financial results by the Directors of the Company, as aforesaid. 5. In preparing the standalone financia l results, the Board of Directors are responsib le for assessing the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the Board of Directors either intends to liquidate the Company or to cease operations, or has no realistic alternative but to do so. 6. The Board of Directors are also responsible for overseeing the Company's financial reporti ng process. Auditor's Responsibilities for the Audit of the Standalone Financial Results 7. Our objectives are to obtain reasonable assurance about whether the standalone financial results as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opiriion. Reasonable assurance is a high level of assurance but, is not a guarantee that an audit conducted in accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered materi al if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these standalo ne fina ncial results. 8. As part of an audit in accordance with SAs, we exercise professionaljudgmentand m • • ~-professional skepticism throughout the audit. We also:

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KKC & Associates LLP Chartered Accountants (formerly Khimji Kunverji & Co LLP) Level-19, Sunshine Tower, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013 B. K. Khare 8c Co. Chartered Accountants 706-708, Sharda Chambers New Marine Lines Mumbai 400020 6. The respective Board of Directors of the Group, associate and joint ventures are responsible for overseeing the financial report ing process of the Group, associate and joint ventures. Auditor's Responsibilities for the Audit of the Consolidated Financial Results 7. Our objectives are to obtain reasonable assurance about whether the consolidated financial results are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion . Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these consolidated financial results. 8. As part of an audit in accordance with SAs, we exercise professional judgment and maintain professiona l skepticism t hroughout the audit. We also: 8.1 Identify and assess the risks of material misstatement of the consolidated financia l results, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis forouropinio n. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intent ional omissions, misrepresentations, or the override of interna l control. 8.2 Obtain an understanding of interna l control relevant to the audit in order to design audit procedures that are appropriate in the circumstances. Under Section 143(3)(i) of the Act, we are also responsible for expressing our opinion on whether t he Company has adequate internal financial contro ls with reference to consolidated financial statements in place and the operating effectiveness of such controls. 8.3 Evaluate the approp riateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the Board of Directors. 8.4 Conclude on the approp riateness of the Board of Directors use of the going concern basis of accounti ng and, based on the audit evidence obtained, whet her a material uncertainty exists related to events or conditions that may cast significant doubt on the Group, associate and joint ventures to contin ue as a going concern. If we conclude that a materia l uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in t he consolidated financial results or, if such disclosures are inadequate, to modify our opinion. Our conclusio ns are based on t he audit evidence obtained up to the date of our auditor's report. However, future events or conditions may cause the Group, associate and joint ventu res to cease to continue as a going concern.

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ŶŶĞǆƵƌĞ A. Statement of utilization of issue proceeds (July 2026 to September 2026): EĂŵĞ ŽĨƚŚĞ /ƐƐƵĞƌ ISIN DŽĚĞŽĨ &ƵŶĚ ZĂŝƐŝŶŐ ;WƵďůŝĐ ŝƐƐƵĞƐͬ WƌŝǀĂƚĞ ƉůĂĐĞŵĞŶƚͿ dǇƉĞŽĨ ŝŶƐƚƌƵŵĞŶ ƚ ĂƚĞŽĨ ƌĂŝƐŝŶŐĨƵŶĚƐ ŵŽƵŶƚ ZĂŝƐĞĚ;ŝŶ ĐƌƐͿ &ƵŶĚƐƵƚŝůŝǌĞĚ ŶǇ ĚĞǀŝĂ ƚŝŽŶ ;zĞƐͬ EŽͿ /ĨϴŝƐ zĞƐ͕ ƚŚĞŶ ƐƉĞĐŝĨǇ ƚŚĞ ƉƵƌƉŽƐĞ ŽĨĨŽƌ ǁŚŝĐŚ ƚŚĞ ĨƵŶĚƐ ǁĞƌĞ ƵƚŝůŝǌĞĚ ZĞŵĂƌŬƐ ͕ŝĨĂŶǇ 1 2 3 4 5 6 7 8 9 10 E E E E E E E E E E B. Statement of deviation/ variation in use of Issue proceeds: Particulars Remarks EĂŵĞŽĨůŝƐƚĞĚĞŶƚŝƚǇ ŚŽůĂŵĂŶĚĂůĂŵ/ŶǀĞƐƚŵĞŶƚĂŶĚ&ŝŶĂŶĐĞŽ>ƚĚ DŽĚĞŽĨĨƵŶĚƌĂŝƐŝŶŐ E dǇƉĞŽĨŝŶƐƚƌƵŵĞŶƚ E ĂƚĞŽĨƌĂŝƐŝŶŐĨƵŶĚƐ :ƵůǇ ϮϬϮϲ ʹ ^ĞƉƚĞŵďĞƌ ϮϬϮϲ ŵŽƵŶƚƌĂŝƐĞĚ Ϭ͘ϬϬĐƌƐ ZĞƉŽƌƚĨŝůĞĚĨŽƌƋƵĂƌƚĞƌĞŶĚĞĚ ^ĞƉƚĞŵďĞƌϮϬϮϲ /ƐƚŚĞƌĞĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶŝŶƵƐĞŽĨĨƵŶĚƐƌĂŝƐĞĚ͍ EŽ tŚĞƚŚĞƌĂŶǇĂƉƉƌŽǀĂůŝƐƌĞƋƵŝƌĞĚƚŽǀĂƌǇƚŚĞŽďũĞĐƚƐŽĨ ƚŚĞŝƐƐƵĞƐƚĂƚĞĚŝŶƚŚĞƉƌŽƐƉĞĐƚƵƐͬŽĨĨĞƌĚŽĐƵŵĞŶƚ͍ E /ĨǇĞƐ͕ĚĞƚĂŝůƐŽĨƚŚĞĂƉƉƌŽǀĂůƐŽƌĞƋƵŝƌĞĚ͍ E ĂƚĞŽĨĂƉƉƌŽǀĂů E ǆƉůĂŶĂƚŝŽŶĨŽƌƚŚĞĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚĐŽŵŵŝƚƚĞĞĂĨƚĞƌƌĞǀŝĞǁ E ŽŵŵĞŶƚƐŽĨƚŚĞĂƵĚŝƚŽƌƐ͕ŝĨĂŶǇ E KďũĞĐƚƐĨŽƌǁŚŝĐŚĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚĂŶĚǁŚĞƌĞƚŚĞƌĞŚĂƐďĞĞŶĂĚĞǀŝĂƚŝŽŶͬǀĂƌŝĂƚŝŽŶ͕ŝŶƚŚĞĨŽůůŽǁŝŶŐƚĂďůĞ͗ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:13:26 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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KƌŝŐŝŶĂů KďũĞĐƚ DŽĚŝĨŝĞĚ KďũĞĐƚ͕ŝĨ ĂŶǇ KƌŝŐŝŶĂů ůůŽĐĂƚŝŽŶ DŽĚŝĨŝĞĚ ĂůůŽĐĂƚŝŽŶ͕ŝĨ ĂŶǇ &ƵŶĚƐ ƵƚŝůŝƐĞĚ ŵŽƵŶƚŽĨ ĚĞǀŝĂƚŝŽŶͬ ǀĂƌŝĂƚŝŽŶĨŽƌƚŚĞ ƋƵĂƌƚĞƌĂĐĐŽƌĚŝŶŐ ƚŽĂƉƉůŝĐĂďůĞ ŽďũĞĐƚ;ŝŶZƐ͘ ĐƌŽƌĞĂŶĚŝŶйͿ ZĞŵĂƌŬƐ͕ŝĨ ĂŶǇ E E E E E E E ĞǀŝĂƚŝŽŶĐŽƵůĚŵĞĂŶ͗ Ă͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞŽďũĞĐƚƐŽƌƉƵ ƌƉŽƐĞƐĨŽƌǁŚŝĐŚƚŚĞĨƵŶĚƐŚĂǀĞďĞĞŶƌĂŝƐĞĚ͘ ď͘ ĞǀŝĂƚŝŽŶŝŶƚŚĞĂŵŽƵŶƚŽĨĨƵ ŶĚƐĂĐƚƵĂůůǇƵƚŝůŝǌĞĚĂƐĂŐĂŝŶƐƚǁŚĂƚǁĂƐŽƌŝŐŝŶĂůůǇĚŝƐĐůŽƐĞĚ͘ EĂŵĞ ŽĨƐŝŐŶĂƚŽƌǇ͗,Z/<WEz ĞƐŝŐŶĂƚŝŽŶ͗sŝĐĞWƌĞƐŝĚĞŶƚ Ͳ dZ^hZz ĂƚĞ͗ϮϴƚŚ KĐƚŽďĞƌ͕ϮϬϮϲ Hardik D. Pandya Digitally signed by Hardik D. Pandya Date: 2026.10.28 08:13:40 +05'30' Chola Enter a better life Cholamandalam Investment and Finance Company Limited "Chola Crest", C54-55 & Super B-4, Thiru -Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Tel.: 044 4090 7172 Toll-Free No.: 1800 102 4565 I Email: customercare@chola .murugappa.com Website : www.cholamandalam .com I CIN: L65993TN1978PLC007576 ~ murugappa

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