OVERVIEW

Cholamandalam Investment and Finance Company Limited (Chola) was
incorporated in 1978 as the financial services arm of the Murugappa Group.
Chola commenced business as an equipment financing company and has
today emerged as a comprehensive financial services provider offering
Vehicle Finance, Loan Against Property, Home Loans, SME loans, Secured
Business Personal Loans (SBPL), Consumer & Small Enterprises Loans (CSEL),
Consumer Durable Loans, Gold Loan and a variety of other financial services
to customers.

The mission of Chola is to enable customers enter a better life. Ever since its
inception and all through its growth, the company has kept a clear sight of its
values. The basic tenet of these values is a strict adherence to ethics and a
responsibility to all those who come within its corporate ambit—customers,
shareholders, employees and society.

OVERVIEW

Chola MS General Insurance Company Limited, a joint venture between
the Murugappa Group and Mitsui Sumitomo Insurance Company Limited,
Japan, began its operations in 2002. A leading and respected player in
the General Insurance space, Chola MS champions the philosophy known
as T3 — Trust, Transparency and Technology.

Driven by a promise the company has taken — #pledge2protect
— ‘customer centricity’ forms the essence of the brand.

OVERVIEW

Cholamandalam MS Risk Services Limited, is a comprehensive risk
management and engineering solutions company. It has undertaken over 8,500
consulting projects across 42 industrial sectors, offering best-in-class services
to organisations to optimise their EHS performance

OVERVIEW

Cholamandalam Financial Holdings Limited ('CFHL') (formerly known
as TI Financial Holdings Limited) was incorporated in 1949 and is a part
of the Murugappa Group, one of the most diversified business conglomerates
of India. Consequent to the scheme of arrangement (demerger) sanctioned
by the National Company Law Tribunal, the manufacturing business of the
Company was transferred to a separate company and the company retained
its finance business.

CFHL is registered with the Reserve Bank of India as a Non-Deposit taking
Systemically Important - Core Investment Company (CIC-ND-SI) pursuant
to the receipt of Certificate of Registration from the Reserve Bank of India
(RBI) dated January 6, 2020, under Section 45-IA of the Reserve Bank of India
Act, 1934. The company holds significant stake in group companies viz.,
Cholamandalam Investment and Finance Company Limited, Cholamandalam
MS General Insurance Company Limited and Cholamandalam MS Risk Services Limited.