Financial services
Cholamandalam DBS, the financial arm of the group, is a leading player in the industry and provides holistic financial services. It includes vehicle finance, capital market finance, personal loans, mutual funds, securities broking, depository services, as well as distribution services.

Vehicle finance
Vehicle finance is Cholamandalam Investment & Finance Company's (CIFCL) largest business, accounting for over 80 per cent of its assets. CIFCL finances heavy and light commercial vehicles, multi utility vehicles, cargo three-wheelers (a segment in which it is a market leader) and cars.

It has a strong distribution network, with a presence in 120 locations, major product presence and strong credit and recovery systems, marked by customer service excellence. Apart from flexible credit norms, quick credit decisions and speedy disbursements, CIFCL nurtures long-term relationships with its customers, even advising them on the appropriate choice of vehicles for business and personal requirements.

Personal loans
Cholamandalam offers personal loans to cater to every financial need, including marriage, children's education, holidays, festivals and any other need.

We offer:

	Loans from Rs 50,000 onwards
	Tenure of 12 to 60 months
	Competitive interest rates
	Quick processing
	Easy documentation

Corporate finance
Cholamandalam provides retail and corporate customers finance against shares and loans against property.

	Convenient borrowing in your own or your organisation's name, against shares from your depository account
	Attractive interest rates
	Finance against scrips held by individuals, corporate entities, trusts and HUFs
	Single scrip lending on 35 scrips
	Monthly / quarterly interest payable in arrears, depending on the scheme
	Easy documentation

	Attractive interest rate
	Available across five cities in India - Chennai, Mumbai, Delhi, Hyderabad, Bangalore
	Residential /commercial property accepted
	Finance against property held by individuals, corporate entities, trusts and HUFs
	EMI repayment in 3 to 5 years

Mutual funds
Cholamandalam Asset Manangement Co Ltd (CAMC) offers mutual funds to retail and institutional investors. Set up in 1996 as a joint venture with Cazenove Investment Management of the UK, the Murugappa Group acquired Cazenove's stake in the company in 2001. CAMC is known for its prudent fund management philosophy. DBS Chola Triple Ace, India's first AAAf-rated mutual fund scheme, has not only retained its rating since inception, but also has a consistent track record of dividend payments. Based in Mumbai, CAMC manages over Rs1000 crore in assets.

DBS Chola MF offers the entire range of funds across asset classes in equity, cash, debt and money market, so that customers can build portfolios that best suit their goals and objectives.

DBS Chola Triple Ace: An income scheme with at least 80 per cent investments in highest rated fixed income securities, and the balance in high quality money market instruments. It offers a regular and stable income. India's first 'AAAf' rated income fund (CRISIL), the investment philosophy focuses on safety, liquidity and returns. It can even be availed of as part of an asset allocation strategy.

DBS Chola Freedom Income Short Term Fund: An income scheme with at least 80 per cent investments in highest rated fixed income securities, and the balance in high quality money market instruments, rated AAAf by CRISIL. It is designed for institutions / corporates / HNIs / trusts / retail investors who want tax-efficient and stable returns.

DBS Chola Gilt Fund: An actively managed, medium to long-term fund that maximises returns by investing in GOI securities. Investments range from short-term treasury bills to longer maturity gilt securities. Based on the interest rate, the duration of the portfolio is shortened or lengthened.

DBS Chola Liquid Fund: A well-diversified and highly liquid portfolio of money market instruments, government securities and corporate debt, invested in instruments with a residual maturity or repricing tenor of less than one year. Rated AAAf by CRISIL, this product is for investors looking for preservation of capital and high liquidity, and have idle funds for a very short duration (1 day to 3 months).

DBS Chola Floating Rate Fund: A portfolio of mainly floating rate debt instruments, money market instruments and fixed rate debt instruments swapped for floating rate return. Investors in a floating rate fund can hedge themselves against interest rate volatility.

DBS Chola Short Term Floating Rate Fund: For investors looking at a short-to-medium-term horizon

DBS Chola Monthly Income Plan: Invests up to 80 per cent in debt and money market instruments for safety, and 20 per cent in equities, for higher returns over the medium term – not as risky as pure growth funds. It does not assure returns, but this product is designed for conservative investors looking at regular dividend income in the form of dividend.

DBS Chola Opportunities Fund: A focused equity fund with exposure to a few high growth sectors, with a mix of large cap and mid cap companies, biased towards a growth style of investing.

DBS Chola Growth Fund: A diversified equity fund with investment in large cap stocks, it seeks to deliver a consistent and superior performance, by taking a correspondingly lower risk.

DBS Chola Midcap Fund (DCMF): Invests in tomorrow's bluechip companies today. An open-ended equity scheme for capital appreciation, investing primarily in midcap stocks – companies that have a market capitalisation from Rs300 crore to Rs3000 crore. It selects stocks which are leaders, from sunrise industries, globally competitive companies, with niche positioning, which are proxies to large cap stocks.

DBS Chola Multi-Cap Fund: 'Added' diversification and an opportunity to capitalise on India's economic growth, the portfolio has an optimal blend of large, mid and small cap stocks. Large cap and mid cap exposure is maintained between 25 to 75 per cent, and small caps do not exceed 15 per cent, without bias to any particular sector.

DBS Chola Global Advantage Fund: Provides long term capital appreciation and / or income distribution by investing predominantly in equity and equity-related instruments of Indian companies with export competitiveness or which are expanding the business in global markets – companies with at least 20 per cent projected turnover from exports of goods / services over the next three years, selected from a universe of more than 100 globally competitive companies.

DBS Chola Contra Fund: Generates capital appreciation by investing in equity and equity-related instruments using a contrarian strategy; buying into fundamentally sound scrips that have underperformed or not performed to full potential in the recent past.

DBS Chola Hedged Equity Fund: Captures the growth potential of stocks and uses an active hedging strategy using index and stock derivative instruments to reduce the effect of market swings on long term performance; it generates returns both in bull and bear markets, generating returns with lower volatility.

DBS Chola Treasury Management Fund: For safety and liquidity, investments are predominantly in well-diversified and highly liquid portfolio of money market instruments, government securities and corporate debt.

Securities
Cholamandalam Securities Ltd (CSec) is a full-service securities brokerage firm offering a wide array of stock broking and equity research services to domestic and foreign institutional investors, supported by value added investment research. Its clientele includes individuals, insurance companies, domestic mutual funds and banks. Helping customers to meet financial goals, C-Sec has a proven track record.

CSec is a corporate member of the National Stock Exchange (NSE), the Stock Exchange, Mumbai (BSE) and the Madras Stock Exchange (MSE). It is also a depository participant (DP) with NSDL. It has offices in all metros and mini metros, supported by the best communication links to provide online trade execution and confirmation for clients.

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