Sundaram Finance vs Cholamandalam Investment and Finance Company: Which Stock Should You Track
- August 6, 2026
- Posted by: Ankit Jaiswal
- Category: News
Sundaram Finance MCap Rs 53,099 Cr, PE 23.92x, ROE 13.82%. Cholamandalam MCap Rs 1,59,639 Cr, PE 27.76x, ROE 17.18%.
Sundaram Finance vs Cholamandalam Investment and Finance Company is a comparison vehicle finance NBFC investors look up when evaluating two South India-origin, TVS and Murugappa Group-backed vehicle lenders. Sundaram Finance is a Chennai-headquartered company focused on commercial vehicle and passenger car finance with a conservative lending culture, while Cholamandalam is part of the Murugappa Group and has diversified into vehicle finance, home equity and SME lending.
This Sundaram Finance vs Cholamandalam Investment and Finance Company article covers reach and market position, key products, latest declared results and stock valuation. The Sundaram Finance vs Cholamandalam Investment and Finance Company data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.
Sundaram Finance vs Cholamandalam Investment and Finance Company: Reach and Market Position
On the Sundaram Finance side of the Sundaram Finance vs Cholamandalam Investment and Finance Company comparison, Sundaram Finance finances commercial vehicles, two-wheelers and passenger cars through its branch network across India, with a concentration in South India. Market capitalisation is Rs 53,099 Cr.
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On the Cholamandalam Investment and Finance Company side of the Sundaram Finance vs Cholamandalam Investment and Finance Company comparison, Cholamandalam offers vehicle loans, home equity loans, SME loans and digital lending through over 1,400 branches across India with a growing rural and semi-urban presence. Market capitalisation is Rs 1,59,639 Cr.
Sundaram Finance vs Cholamandalam Investment and Finance Company: Key Products and Business Mix
In the Sundaram Finance vs Cholamandalam Investment and Finance Company product comparison, Sundaram Finance offers: Sundaram Finance offers commercial vehicle finance, car loans, two-wheeler loans and fixed deposits. P/E is 23.92x, ROE 13.82 percent, debt to equity 4.68.
For Cholamandalam Investment and Finance Company in this Sundaram Finance vs Cholamandalam Investment and Finance Company breakdown: Cholamandalam offers vehicle loans, home equity, SME and digital micro credit. P/E is 27.76x, ROE 17.18 percent, debt to equity 6.93.
Sundaram Finance vs Cholamandalam Investment and Finance Company: Latest Results
The Sundaram Finance vs Cholamandalam Investment and Finance Company results for Sundaram Finance: Sundaram Finance has a market cap of Rs 53,099 Cr and P/E of 23.92x. ROE is 13.82 percent. EPS is Rs 199.80.
The Sundaram Finance vs Cholamandalam Investment and Finance Company results for Cholamandalam Investment and Finance Company: Cholamandalam has a market cap of Rs 1,59,639 Cr and P/E of 27.76x. ROE is 17.18 percent, significantly higher than Sundaram Finance. Cholamandalam is 3 times larger by market cap.
Sundaram Finance vs Cholamandalam Investment and Finance Company: Stock and Valuation
The Sundaram Finance vs Cholamandalam Investment and Finance Company stock comparison uses the latest available market data from Groww. Investors tracking Sundaram Finance vs Cholamandalam Investment and Finance Company should verify current prices on NSE or BSE before trading.
Sundaram Finance trades at a market cap of Rs 53,099 Cr and P/E of 23.92x with ROE of 13.82 percent. Cholamandalam trades at Rs 1,59,639 Cr market cap and P/E of 27.76x with a higher ROE of 17.18 percent. Cholamandalam has a more diversified product mix and has scaled rapidly.
Sundaram Finance vs Cholamandalam Investment and Finance Company: Quick Comparison Table
The Sundaram Finance vs Cholamandalam Investment and Finance Company comparison table below summarises the key metrics covered in this article side by side.
| Parameter | Sundaram Finance | Cholamandalam Investment and Finance Company |
|---|---|---|
| Sector | Vehicle finance NBFC | Vehicle finance and diversified NBFC |
| Market Cap | Rs 53,099 Cr | Rs 1,59,639 Cr |
| P/E Ratio | 23.92x | 27.76x |
| ROE | 13.82% | 17.18% |
| Debt to Equity | 4.68 | 6.93 |
| Product mix | CV finance, car, two-wheeler, FD | Vehicles, home equity, SME, digital loans |
| Group | TVS Group | Murugappa Group |
Conclusion
The Sundaram Finance vs Cholamandalam Investment and Finance Company comparison above covers the key data points on reach, products, results and valuation. Sundaram Finance vs Cholamandalam are two South India-origin vehicle lenders. Cholamandalam is larger, grows faster and has a higher ROE with a diversified product mix. Sundaram Finance is more conservatively positioned with lower debt-to-equity. Investors should review AUM growth, credit costs and consult a SEBI-registered advisor before investing.
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Disclaimer: Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions
What is the main difference between Sundaram Finance and Cholamandalam?
Ans. Sundaram Finance is a conservative, TVS Group-backed vehicle finance company focused on CV and car loans. Cholamandalam is a Murugappa Group NBFC diversified into vehicles, home equity and SME lending with faster growth.
Which company has the higher ROE?
Ans. Cholamandalam has an ROE of 17.18 percent, higher than Sundaram Finance at 13.82 percent.
Which stock trades at a lower P/E?
Ans. Sundaram Finance trades at 23.92x trailing earnings, lower than Cholamandalam at 27.76x.
Which company is larger?
Ans. Cholamandalam has a market cap of Rs 1,59,639 Cr, about 3 times larger than Sundaram Finance at Rs 53,099 Cr.
What is Sundaram Finance’s relationship to TVS Group?
Ans. Sundaram Finance is part of the TVS Group, one of India’s largest conglomerates with interests in two-wheelers, components, logistics and finance.
What risks apply to vehicle finance NBFCs?
Ans. Both face risk from commercial vehicle sector downturns, NPA formation in stressed vehicle segments and competition from bank vehicle loan products.
Should I invest in Sundaram Finance or Cholamandalam?
Ans. Sundaram Finance is cheaper with conservative lending. Cholamandalam has higher ROE and growth. Consult a SEBI-registered advisor before investing.
