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Cholamandalam Investment and Finance Company Limited
Cholamandalam Finance: Enabling Your Ambition, Every Step of the Way
At Cholamandalam (Chola), we believe that every Indian—from the city professional to the rural entrepreneur—deserves the opportunity to thrive. With a legacy of over 47 years and a presence in 32 States and Union Territories, we are more than just a finance company; we are a partner in your progress. From your first tractor to your dream home, we provide the capital and confidence you need to move forward.
Our Diverse Financial Solutions
We offer a 360-degree range of products designed to meet the unique needs of a diverse India:
Vehicle Finance: Financing for commercial vehicles (LCVs, HCVs), cars, two-wheelers, tractors, and construction equipment. We are a leading name in truck and farm equipment finance.
Home Loans: Affordable housing solutions for purchase, construction, or renovation, with specialized schemes for low-income and self-employed categories.
Loan Against Property (LAP): Long-term secured loans against your residential or commercial property to fund business expansion or life milestones.
SME & Business Loans: Specialized capital for small and medium enterprises, including supply chain finance and equipment loans.
Consumer & Small Enterprise (CSEL): Instant, paperless loans designed for budding entrepreneurs and small-ticket personal needs.
The Chola Advantage: Trust Built Over Decades
Why over 4.3 million customers count on us:
| Feature | The Chola Experience |
| Hyper-Local Reach | With 1,600+ branches, we provide doorstep service even in the most remote areas. |
| Inclusive Eligibility | We specialize in financing profiles that traditional banks often overlook, including cash-salaried and rural business owners. |
| Digital & Physical Blend | Use the Chola One app for instant digital loans or walk into any branch for personalized human support. |
| Murugappa Legacy | Backed by the INR 778 Billion Murugappa Group, ensuring the highest standards of ethics and integrity. |
Fast-Track Your Funding: The Chola One Digital Journey
For personal and small business loans, experience a 100% paperless process through our Chola One app:
Check Eligibility: Enter your basic details and see your pre-approved offer in under 5 minutes.
Digital KYC: Upload your Aadhaar and PAN cards or use DigiLocker for instant verification.
Instant Approval: Our advanced AI evaluates your application for immediate decision-making.
Immediate Disbursal: Sign the e-mandate and receive funds in your bank account within minutes.
Home Loans for "Bharat"
We specialize in making homeownership a reality for the self-employed and low-income segments:
Flexible Income Assessment: We understand irregular cash flows and evaluate your repayment capacity beyond just payslips.
Tenures up to 30 Years: Keep your monthly EMIs low and manageable.
Loan Amounts: Ranging from ₹3 Lakh to ₹40 Lakh for affordable housing.
"Financial progress shouldn't be limited by geography. At Chola, we bring the power of capital to every corner of India."
Start Your Progress Today
Ready to take the next big step? Explore our offerings or speak to a Chola executive in your local language.