{"id":300293,"date":"2026-10-12T09:31:15","date_gmt":"2026-10-12T04:01:15","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=300293"},"modified":"2026-10-12T09:31:15","modified_gmt":"2026-10-12T04:01:15","slug":"vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/","title":{"rendered":"3 Vehicle and Retail Loan Lender Stocks With a Strong Future Roadmap: Cholamandalam Investment and Finance Company, Sundaram Finance and Tata Capital"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Chola Rs 1,587.60, P\/E 22.95. Sundaram Finance Rs 4,113.60, P\/E 20.59. Tata Capital Rs 318.70, P\/E 24.41. Closing prices of 9 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Vehicle and retail loan lender stocks with the clearest long-term roadmaps today include Chola in vehicle and small business loan network, Sundaram Finance in vehicle finance and group businesses and Tata Capital in diversified loan mix. FY26 revenue growth was 20.6% at Chola, 15.3% at Sundaram Finance and 11.3% at Tata Capital. P\/E stands at 22.95 for Chola (industry 17.72), 20.59 for Sundaram Finance (industry 17.72) and 24.41 for Tata Capital (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Vehicle and retail loan lender stocks give investors exposure to vehicle loans, small business loans and retail credit. Disbursements, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three vehicle and retail loan lender stocks: Cholamandalam Investment and Finance Company for vehicle and small business loan network, Sundaram Finance for vehicle finance and group businesses and Tata Capital for diversified loan mix. Every figure comes from the latest reported financials and the 9 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#What_Are_Vehicle_and_Retail_Loan_Lender_Stocks\" title=\"What Are Vehicle and Retail Loan Lender Stocks?\">What Are Vehicle and Retail Loan Lender Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Vehicle_and_Retail_Loan_Lender_Stocks_at_a_Glance\" title=\"Vehicle and Retail Loan Lender Stocks at a Glance\">Vehicle and Retail Loan Lender Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Why_Do_Vehicle_and_Retail_Loan_Lender_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Vehicle and Retail Loan Lender Stocks Have a Strong Roadmap in India?\">Why Do Vehicle and Retail Loan Lender Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\" title=\"Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap\">Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Sundaram_Finance_Vehicle_Finance_and_Group_Businesses_Drive_the_Pipeline\" title=\"Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline\">Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\" title=\"Tata Capital: A Diversified Loan Mix Drives the Pipeline\">Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Best_Vehicle_and_Retail_Loan_Lender_Stocks_in_India_Chola_vs_Sundaram_Finance_vs_Tata_Capital_on_Key_Financials\" title=\"Best Vehicle and Retail Loan Lender Stocks in India: Chola vs Sundaram Finance vs Tata Capital on Key Financials\">Best Vehicle and Retail Loan Lender Stocks in India: Chola vs Sundaram Finance vs Tata Capital on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#How_to_Evaluate_Vehicle_and_Retail_Loan_Lender_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Vehicle and Retail Loan Lender Stocks to Buy Before You Invest\">How to Evaluate Vehicle and Retail Loan Lender Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Risks_to_Consider_Before_Investing_in_Vehicle_and_Retail_Loan_Lender_Stocks\" title=\"Risks to Consider Before Investing in Vehicle and Retail Loan Lender Stocks\">Risks to Consider Before Investing in Vehicle and Retail Loan Lender Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#FAQs_on_Vehicle_and_Retail_Loan_Lender_Stocks\" title=\"FAQs on Vehicle and Retail Loan Lender Stocks\">FAQs on Vehicle and Retail Loan Lender Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Which_are_the_best_vehicle_and_retail_loan_lender_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best vehicle and retail loan lender stocks in India with a strong roadmap?\">Which are the best vehicle and retail loan lender stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\" title=\"Is Cholamandalam Investment and Finance Company a good stock to buy now?\">Is Cholamandalam Investment and Finance Company a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#What_is_the_PE_ratio_of_Chola_Sundaram_Finance_and_Tata_Capital\" title=\"What is the P\/E ratio of Chola, Sundaram Finance and Tata Capital?\">What is the P\/E ratio of Chola, Sundaram Finance and Tata Capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Which_of_these_vehicle_and_retail_loan_lender_stocks_has_the_highest_return_on_equity\" title=\"Which of these vehicle and retail loan lender stocks has the highest return on equity?\">Which of these vehicle and retail loan lender stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#What_are_the_risks_of_investing_in_vehicle_and_retail_loan_lender_stocks\" title=\"What are the risks of investing in vehicle and retail loan lender stocks?\">What are the risks of investing in vehicle and retail loan lender stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#How_did_Chola_Sundaram_Finance_and_Tata_Capital_perform_in_Q1_FY27\" title=\"How did Chola, Sundaram Finance and Tata Capital perform in Q1 FY27?\">How did Chola, Sundaram Finance and Tata Capital perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#Do_vehicle_and_retail_loan_lender_stocks_pay_dividends\" title=\"Do vehicle and retail loan lender stocks pay dividends?\">Do vehicle and retail loan lender stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-and-retail-loan-lender-stocks-with-strong-future-roadmap\/#How_can_I_invest_in_vehicle_and_retail_loan_lender_stocks_in_India\" title=\"How can I invest in vehicle and retail loan lender stocks in India?\">How can I invest in vehicle and retail loan lender stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Vehicle_and_Retail_Loan_Lender_Stocks\"><\/span><strong>What Are Vehicle and Retail Loan Lender Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle and retail loan lender stocks are shares of companies that lend against vehicles and to retail and small business borrowers. Results depend on loan growth, funding costs and asset quality, so funding costs and asset quality separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vehicle_and_Retail_Loan_Lender_Stocks_at_a_Glance\"><\/span><strong>Vehicle and Retail Loan Lender Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three vehicle and retail loan lender stocks as of the 9 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/cholafin\/cholamandalam-investment-finance-company-ltd-share-price-today\">Cholamandalam Investment and Finance Company<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,587.60<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">131,995<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/sundarmfin\/sundaram-finance-ltd-share-price-today\">Sundaram Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,113.60<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">45,716<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.59<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.82%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.68<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/tatacap\/tata-capital-ltd-share-price-today\">Tata Capital<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">318.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">133,756<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among vehicle finance stocks, all three trade at a premium to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Vehicle_and_Retail_Loan_Lender_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Vehicle and Retail Loan Lender Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle and retail loan lender stocks have a strong roadmap in India because freight movement keeps growing, vehicle ownership is rising in smaller towns and households want credit for personal, home and business needs. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Vehicle demand:<\/strong> Trucks, cars and utility vehicles are bought on credit across smaller towns.<\/li>\n<li><strong>Branch reach:<\/strong> Local branches help lenders assess borrowers that banks often skip.<\/li>\n<li><strong>Loan book growth:<\/strong> A larger book earns more interest income when funding costs stay stable.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\"><\/span><strong>Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chola&#8217;s roadmap rests on vehicle finance, home equity and small business loans delivered through a wide branch network, with demand for commercial vehicle and small business credit supporting loan growth.<\/p>\n<p>Revenue grew from Rs 10,231.81 crore in FY22 to Rs 31,538.73 crore in FY26, a 208.2% rise, and FY26 revenue was 20.6% higher than FY25. FY26 net profit rose 22.7% to Rs 5,228.88 crore. Over four years, net profit rose from Rs 2,158.89 crore in FY22 to Rs 5,228.88 crore. In Q1 FY27, revenue grew 21.8% to Rs 8,956.68 crore, and net profit rose 45.6% to Rs 1,656.22 crore.<\/p>\n<p>Debt to equity is 6.93 and return on equity is 17.18%. Chola paid a dividend of Rs 2 per share for FY26, a yield of 0.13%. At a P\/E of 22.95 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 22.95 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sundaram_Finance_Vehicle_Finance_and_Group_Businesses_Drive_the_Pipeline\"><\/span><strong>Sundaram Finance: Vehicle Finance and Group Businesses Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sundaram Finance&#8217;s roadmap rests on vehicle finance along with home finance, asset management and insurance interests, with a long-standing customer base supporting loan growth.<\/p>\n<p>Revenue grew from Rs 5,145.67 crore in FY22 to Rs 9,873.12 crore in FY26, a 91.9% rise, and FY26 revenue was 15.3% higher than FY25. FY26 net profit rose 10.6% to Rs 2,005.40 crore. Over four years, net profit rose from Rs 1,066.62 crore in FY22 to Rs 2,005.40 crore. In Q1 FY27, revenue grew 12.8% to Rs 2,653.34 crore, and net profit rose 38.1% to Rs 568.86 crore.<\/p>\n<p>Debt to equity is 4.68 and return on equity is 13.82%. Sundaram Finance paid a dividend of Rs 40 per share for FY26, a yield of 0.97%. At a P\/E of 20.59 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 20.59 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\"><\/span><strong>Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tata Capital&#8217;s roadmap rests on lending to retail, SME and corporate borrowers across personal, vehicle, home and business loans, with a diversified loan mix supporting growth.<\/p>\n<p>Revenue grew from Rs 10,311.41 crore in FY22 to Rs 31,582.62 crore in FY26, a 206.3% rise, and FY26 revenue was 11.3% higher than FY25. FY26 net profit rose 33.8% to Rs 4,890.91 crore. Over four years, net profit rose from Rs 1,800.81 crore in FY22 to Rs 4,890.91 crore. In Q1 FY27, revenue grew 14.7% to Rs 8,825.38 crore, and net profit rose 56.4% to Rs 1,628.18 crore.<\/p>\n<p>Debt to equity is 5.15 and return on equity is 10.57%. Tata Capital paid a dividend of Rs 0.57 per share for FY26, a yield of 0.18%. At a P\/E of 24.41 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 24.41 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Vehicle_and_Retail_Loan_Lender_Stocks_in_India_Chola_vs_Sundaram_Finance_vs_Tata_Capital_on_Key_Financials\"><\/span><strong>Best Vehicle and Retail Loan Lender Stocks in India: Chola vs Sundaram Finance vs Tata Capital on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best vehicle and retail loan lender stocks in India, Chola leads on FY26 revenue growth and Q1 FY27 revenue growth; Sundaram Finance leads on the lowest P\/E and the lowest debt to equity; Tata Capital leads on Q1 FY27 net profit growth and FY26 net profit growth. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Chola<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Sundaram Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Tata Capital<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,538.73<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,873.12<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,582.62<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,228.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,005.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,890.91<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.7%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">45.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">38.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">56.4%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.82%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.59<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.93<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.13%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.97%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.18%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Vehicle_and_Retail_Loan_Lender_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Vehicle and Retail Loan Lender Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen vehicle and retail loan lender stocks and shortlist vehicle and retail loan lender stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check the cost of funds against lending yields, because that spread decides profit.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch debt to equity and interest cover before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these vehicle and retail loan lender stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Vehicle_and_Retail_Loan_Lender_Stocks\"><\/span><strong>Risks to Consider Before Investing in Vehicle and Retail Loan Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Interest rate cycles:<\/strong> Changes in policy rates can move borrowing costs and lending spreads.<\/li>\n<li><strong>Freight and vehicle cycles:<\/strong> A slowdown in vehicle sales or freight demand can slow loan growth.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Chola, Sundaram Finance and Tata Capital live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three vehicle finance stocks cover a vehicle finance leader, an old-line vehicle financier and a diversified lender. Chola leads on FY26 revenue growth and Q1 FY27 revenue growth; Sundaram Finance leads on the lowest P\/E and the lowest debt to equity; Tata Capital leads on Q1 FY27 net profit growth and FY26 net profit growth.<\/p>\n<p>Across vehicle and retail loan lender stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the vehicle and retail loan lender stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. 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).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Vehicle_and_Retail_Loan_Lender_Stocks\"><\/span><strong>FAQs on Vehicle and Retail Loan Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_vehicle_and_retail_loan_lender_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best vehicle and retail loan lender stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company, Sundaram Finance and Tata Capital stand out for their roadmaps in a vehicle finance leader, an old-line vehicle financier and a diversified lender. FY26 revenue growth was 20.6% at Chola, 15.3% at Sundaram Finance and 11.3% at Tata Capital, and return on equity ranges from 10.57% to 17.18%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\"><\/span><strong>Is Cholamandalam Investment and Finance Company a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company has a debt to equity ratio of 6.93, a return on equity of 17.18% and a P\/E of 22.95 against an industry P\/E of 17.72. Valuation, funding costs and vehicle demand cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Chola_Sundaram_Finance_and_Tata_Capital\"><\/span><strong>What is the P\/E ratio of Chola, Sundaram Finance and Tata Capital?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 22.95 for Chola (industry 17.72), 20.59 for Sundaram Finance (industry 17.72) and 24.41 for Tata Capital (industry 17.72). All of them trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_vehicle_and_retail_loan_lender_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these vehicle and retail loan lender stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company has the highest return on equity at 17.18%, followed by Sundaram Finance at 13.82% and Tata Capital at 10.57%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_vehicle_and_retail_loan_lender_stocks\"><\/span><strong>What are the risks of investing in vehicle and retail loan lender stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are interest rate cycles, freight and vehicle cycles and quarterly trends. Changes in policy rates can move borrowing costs and lending spreads.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Chola_Sundaram_Finance_and_Tata_Capital_perform_in_Q1_FY27\"><\/span><strong>How did Chola, Sundaram Finance and Tata Capital perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company reported revenue of Rs 8,956.68 crore, up 21.8% year on year, and net profit rose 45.6% to Rs 1,656.22 crore. Sundaram Finance reported revenue of Rs 2,653.34 crore, up 12.8% year on year, and net profit rose 38.1% to Rs 568.86 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_vehicle_and_retail_loan_lender_stocks_pay_dividends\"><\/span><strong>Do vehicle and retail loan lender stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 0.13% for Chola, 0.97% for Sundaram Finance and 0.18% for Tata Capital, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_vehicle_and_retail_loan_lender_stocks_in_India\"><\/span><strong>How can I invest in vehicle and retail loan lender stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy vehicle and retail loan lender stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best vehicle and retail loan lender stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company, Sundaram Finance and Tata Capital stand out for their roadmaps in a vehicle finance leader, an old-line vehicle financier and a diversified lender. FY26 revenue growth was 20.6% at Chola, 15.3% at Sundaram Finance and 11.3% at Tata Capital, and return on equity ranges from 10.57% to 17.18%.\"}},{\"@type\":\"Question\",\"name\":\"Is Cholamandalam Investment and Finance Company a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company has a debt to equity ratio of 6.93, a return on equity of 17.18% and a P\/E of 22.95 against an industry P\/E of 17.72. Valuation, funding costs and vehicle demand cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of Chola, Sundaram Finance and Tata Capital?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 22.95 for Chola (industry 17.72), 20.59 for Sundaram Finance (industry 17.72) and 24.41 for Tata Capital (industry 17.72). All of them trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these vehicle and retail loan lender stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company has the highest return on equity at 17.18%, followed by Sundaram Finance at 13.82% and Tata Capital at 10.57%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in vehicle and retail loan lender stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are interest rate cycles, freight and vehicle cycles and quarterly trends. Changes in policy rates can move borrowing costs and lending spreads.\"}},{\"@type\":\"Question\",\"name\":\"How did Chola, Sundaram Finance and Tata Capital perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company reported revenue of Rs 8,956.68 crore, up 21.8% year on year, and net profit rose 45.6% to Rs 1,656.22 crore. Sundaram Finance reported revenue of Rs 2,653.34 crore, up 12.8% year on year, and net profit rose 38.1% to Rs 568.86 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do vehicle and retail loan lender stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.13% for Chola, 0.97% for Sundaram Finance and 0.18% for Tata Capital, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in vehicle and retail loan lender stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy vehicle and retail loan lender stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cholamandalam Investment and Finance Company, Sundaram Finance and Tata Capital compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":29,"featured_media":300292,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10579,10945,1240,10943,10944],"class_list":["post-300293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-cholamandalam-investment-and-finance-company","tag-sundaram-finance","tag-tata-capital","tag-vehicle-and-retail-loan-lender-stocks","tag-vehicle-and-retail-loan-lender-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["300292"],"rank_math_title":["Vehicle and Retail Loan Lender Stocks: Top 3 Roadmap Picks"],"rank_math_description":["Vehicle and retail loan lender stocks with a strong roadmap: Chola, Sundaram Finance and Tata Capital compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["vehicle and retail loan lender stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-vehicle-and-retail-loan-lender-stocks-with-a-strong-future-roadmap.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/300293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=300293"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/300293\/revisions"}],"predecessor-version":[{"id":300294,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/300293\/revisions\/300294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/300292"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=300293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=300293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=300293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}