| Vehicle finance | Loans for new and used vehicles including commercial, passenger, and two-wheelers | Strong dealer network, advanced risk models, brand trust, and extensive branch presence | Retail customers, small fleet operators, and commercial vehicle owners (B2C and B2B) | Used vehicle financing and commercial vehicle loans | 13938 | 54 | Interest income and processing fees from loan disbursals | Interest-rate based lending with fixed and floating EMIs | Industry growth, replacement demand, rural mobility, and infrastructure development | Cholamandalam Vehicle Finance for commercial and used vehicles |
| Home equity | Loan against property for individuals and businesses secured by real estate | Strong credit underwriting and collection practices with deep regional presence | Retail customers and MSMEs (B2C and B2B) | Tier 2/3 city secured lending | 4565 | 18 | Interest income from secured loan lending | Fixed interest loan products | Growing home ownership, MSME borrowing needs, formal credit penetration | Cholamandalam LAP Portfolio |
| Home Loans | Affordable and middle-income home loans across multiple states | Digitized loan origination platform and localized customer service | First-time home buyers and salaried individuals (B2C) | Affordable housing and semi-urban markets | 2501 | 10 | Interest income through long tenor mortgage loans | Competitive fixed and floating mortgage rates | Government housing schemes, affordable housing demand | Cholamandalam Home Loans |
| Others | Diverse loan products, insurance agency services, and wealth management | Strategic fintech alliances, strong underwriting, and extensive distribution channels | Retail consumers, SMEs, and emerging entrepreneurs | Consumer loans and small enterprise finance | 4003 | 18 | Interest income, advisory fees, and commission from insurance and wealth services | Loan interest, fee-based service models | FinTech partnerships, digital lending innovations, gold loan launch | Consumer & Small Enterprise Loans, Secured Business & Personal Loans, SME Loans, Gold Loans |
