Cholamandalam — Digital Lending Partnerships & Profile
Cholamandalam Investment And Finance Company Limited. NBFC in India's digital lending ecosystem, with 10 tracked digital lending partnerships.
Snapshot
Reading the data
In India's digital lending stack, Cholamandalam operates as an RBI-registered NBFC, rated ICRA AAA / Stable, listed (NSE), with ₹1.8 lakh Cr in AUM as of 2025-03. Our Market Map tracks 10 digital lending partnerships for Cholamandalam, including EQX Analytics Private Limited, Finnovation Tech Solutions Private Limited and Lendingkart Finance Limited. Cost of funds runs at 7.5–7.8% (proxied from market instruments, not directly disclosed) as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: home loans, loans against property, vehicle finance, consumer durable loans across tickets of ₹50K–₹750 Cr and tenures of 12–240 months. Worth knowing: CoF proxy from yield 14.3 minus NIM 6.6-7.1. VF 44pct LAP 31pct HL 13pct. Murugappa Group.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Stashfin | EQX Analytics Private Limited | Apple App Store |
| Kreditbee | Finnovation Tech Solutions Private Limited | App |
| Lendingkart | Lendingkart Finance Limited | Google Play Store |
| LENDINGKART | Lendingkart Finance Limited | Website |
| Moneyview | Moneyview Private Limited | Android App |
| MoneyTap | MWYN Tech Private Limited | Apple App Store |
| Freo | MWYN Tech Pvt Ltd | App (App store) |
| navi FINSERV | Navi Finserv Limited | Website |
| Chola One | Self-Owned | App store - ios |
| Fibe | Social Worth Technologies Pvt Ltd | App Store (For iphone) |
Frequently asked questions
Who are Cholamandalam's digital lending partners?
Cholamandalam has 10 digital lending partnerships tracked in the RBI digital lending registry, including EQX Analytics Private Limited, Finnovation Tech Solutions Private Limited, Lendingkart Finance Limited, Moneyview Private Limited.
What is Cholamandalam's AUM and cost of funds?
Cholamandalam reports AUM of ₹1.8 lakh Cr (2025-03) and cost of funds of 7.5–7.8% (proxy estimate), per public filings and rating documents.
What products does Cholamandalam offer through digital lending?
Cholamandalam is active in home loans, loans against property, vehicle finance, consumer durable loans, with ticket sizes from ₹50K to ₹750 Cr.
How do I evaluate Cholamandalam as a lending partner?
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Does Cholamandalam fit your lending model?
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Primary source type: Rating-Rationale. Data confidence: High. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.