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While Claims ratios were under control despite adverse environment of cyclones, higher discounts in motor own damage etc, business sourcing costs were higher impacting the underwriting results to remain flat at a negative of Crore. Aided by over 5 billion of long term premium, investment income levels rose to Crore from Crore despite interest rates dropping during the year.
The Company holds Chola Health was incorporated in July to offer health insurance services and the Company has invested Chola Health is yet to commence its business operations. The Board has recommended to confirm the interim dividend as the final dividend for FY There has been no change in the nature of business of these companies during the year. Business performance of these companies are detailed in earlier paragraphs of this report. A report on the performance and financial position of each of the aforesaid companies as per section 3 of the Act read with the Companies Accounts Rules, , in the prescribed form AOC-1 is annexed to this Report as Annexure A.
The consolidated financial statements of the Company, prepared in accordance with the Companies Act, "the Act" and the relevant Accounting Standards, forms part of the annual report. The annual report containing standalone and consolidated financial statements will be posted on the. Companys website, www. The annual accounts of the subsidiary companies will also posted on the Companys website and be made available for inspection by shareholders until the date of the Annual General Meeting "AGM" through electronic mode.
In response to the nation-wide lock down announced by the Government, the Companies activated business continuity plan addressing financial planning, business strategy realignment, employee productivity re-focus, IT enablement and renewed customer engagement. To ensure safety of employees and in adherence to the Government norms various measures including the facility to work from home have been implemented.
Since the pandemic and the lockdown imposed affected the tail end of the financial year, there is no impact on the standalone financial performance during FY A note in this regard is included in the Standalone and Consolidated Audited Financial Statements for the year under review vide Note 1.
Given the inherent uncertainty regarding the severity and duration of the pandemic, the Company will continue to monitor for any material changes to future economic conditions. Ashok Kumar Barat and Mr. B Ramaratnam as Independent Directors of the Company for a term of five years commencing August 1, and March 18, respectively, was approved.
Further, Mr. Sridharan Rangarajan and Mr. V Ravichandran were appointed as directors liable to retire by rotation at the 70th AGM. The Board places on record its appreciation for the contribution rendered by Ms. Panse during her tenure as an Independent Director and as a member of Board Committees. Vasudha Sundararaman DIN: has been appointed as an additional director in the capacity of an Independent Director with effect from February 12, and holds office till the date of the ensuing 71st AGM.
The Company has received a notice from a shareholder proposing the appointment of Ms. Vasudha as a director of the Company. The Board recommends her appointment as a director of the Company and the resolution proposing her appointment forms part of the Notice for the 71st AGM of the Company.
As per the provisions of section of the Act, Mr. Sridharan Rangarajan retires by rotation at the ensuing AGM and being eligible, offers himself for re-appointment. The Board recommends the re-appointment of Mr. Sridharan Rangarajan as a director liable to retire by rotation and the resolution in this regard forms part of the notice for the 71st AGM of the Company.
AshokKumarBarat, Mr. B Ramaratnam and Ms. Vasudha Sundararaman have submitted declaration stating that they meet the criteria of independence as required under the provisions of section of the Act and regulation 16 of the Listing Regulations. In the opinion of the Board, all the IDs possess integrity, expertise and relevant experience in their respective fields including the proficiency required to effectively discharge their roles and responsibilities in directing and guiding the affairs of the Company.
All the IDs are registered in the independent directors data bank maintained by the Indian Institute of Corporate Affairs as required under the Companies Act, and the Rules referred therein. The IDs are in the process of completion of the online proficiency self-assessment test as per the timeline notified by the Ministry of Corporate Affairs "MCA". Pursuant to the provisions of section of the Companies Act, , Mr.
E Krithika, Company Secretary are the key managerial personnel of the Company and there were no changes during the year. Ganesh was appointed as the Manager of the Company with effect from August 9, for a period of three years.
His tenure as Manager expires on August. Subject to the approval of shareholders, the Board at its meeting held on June 15, re-appointed Mr. N Ganesh as the Manager for a further period of three years with effect from June 15, Appropriate resolution seeking shareholders approval is provided in the Notice for the 71st AGM of the Company.
The Company has not accepted any fixed deposits under Chapter V of the Companies Act, and as such no amount of principal and interest were outstanding as on March 31, The provisions of section of the Act pertaining to investment and lending activities is not applicable to CFHL since the Company is an NBFC whose principal business is acquisition of securities.
Information regarding investments made during the year is given in the financial statements. During the year the Company has not given any loans or guarantees under the provisions of section of the Act. The Company has in place adequate internal financial controls to ensure reliability of financial and operational information and regulatory and statutory compliances.
The Companys business processes are equipped with monitoring and reporting processes to ensure financial discipline and accountability. The internal financial control systems are monitored both by internal and statutory auditors of the Company. The statutory auditors of the company have also certified on the existence and operating effectiveness of the internal financial controls as on March 31, In terms of the SEBI Listing Obligations and Disclosure Requirements Amendment Regulations, , the Company is required to disclose details of significant key financial ratios along with the detailed explanations therefor.
The Company being an investment company and not having any trade receivables, debtors turnover ratio, inventory turnover ratio, interest coverage ratio, current ratio, operating margin ratio and net profit margin ratio are not applicable. The leverage ratio computed in accordance with RBI regulations is 0.
Capital adequacy ratio of the Company as on March 31, was Return on net worth of the Company was 7. Change in the rate was on account of higher receipt of dividend income during the year. Managing risk is fundamental to any business, in general and in particular, to financial services industry.
Risks arising out of NBFC, insurance and risk management businesses of the investee companies are the dominant risks of the Company. The investee companies have their own risk management framework in line with its strategic business operations as appropriate to the industry in which they operate. Various risk exposures of CFHL include financial risks, governance risks, market risks, reputation risks and compliance risks. The ALCO monitors asset liability mismatches besides management of liquidity risks.
The Company has also put in place a risk control matrix. The control measures basis the matrices, are tested by the internal auditor and reported to the Audit Committee. The Board reviews the risk framework on an annual basis.
Internal control systems of an organisation is looked at as the key to its effective functioning. The Company has in place internal control framework to ensure compliance with internal policies, regulatory matters and to safeguard reliability of financial reporting and its disclosures. An audit of systems and processes is conducted by the internal auditor of the Company and the key findings are reported to the Audit Committee every quarter.
The Audit Committee evaluates adequacy and effectiveness of the internal controls, recommends improvements and reviews the corrective action taken to address gaps, if any. The Company firmly believes in committing itself to maintaining high standards of corporate governance. A report on corporate governance of the Company together with a certificate from the Auditors in accordance with the Listing Regulations is annexed to this Report as Annexure B. The Report further contains other details which are required to be provided in the Boards Report.
Seven meetings of the Board were held during the year. Details of the Board meetings are disclosed in the Report on Corporate Governance. The Board has constituted an Audit Committee in terms of the applicable provisions of the Act and the Listing Regulations. Details of terms of reference, composition and meetings of the committee are disclosed in the Report on Corporate Governance. Pursuant to the provisions of section of the Act and regulation 17 of the Listing Regulations, the Board has carried out an annual evaluation of its own performance, individual directors and its committees for FY The manner in which evaluation has been carried out is provided in the Report on Corporate Governance.
The Board has framed a policy for selection and appointment of directors, senior management and their remuneration. Details of which are furnished in the Report on Corporate Governance. The Company being a part of the Murugappa Group, is known for its tradition of philanthropy and community service.
The Companys philosophy is to reach out to the community through service-oriented philanthropic institutions in the fields of education and healthcare. All transactions that were entered into with related parties during the financial year were in the ordinary course of business and on an arms length basis.
There were no materially significant related party transactions during the year which may have a potential conflict with the interest of the Company at large. The Company has framed a policy on related party transactions. None of the Directors had any pecuniary relationships or transactions vis--vis the Company. The investee companies of CFHL continue to emphasise on resourcing and talent planning strategies based on their functional and general management requirements in preparing the organisation for the future.
During the year there have been no fresh grants under both the schemes. Vide the scheme of arrangement demerger , employees of the Company were transferred to the resulting company, Tube Investments of India Ltd. The stock options granted by the Company prior to the effective date of demerger, i. August 1, , continue to be held by the option grantees who are employees of the resulting company.
During the year, upon exercise of stock options by the eligible option grantees, and equity shares were allotted under ESOP and ESOP schemes, respectively.
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Login Login. Enter Mobile Number. Submit Close. Current price is more than the intrinsic value. Stock has been generating better return on equity than bank FD. Stock doesn't offer attractive dividend returns. Good time to consider, as stock is not in overbought zone. The income statement indicates a company's financial performance measured over a reporting period. Performance is assessed by summarising how the business incurs its revenues, expenses and net profit or loss incurred over the period.
Over the last 5 years, revenue has grown at a yearly rate of Over the last 5 years, net income has grown at a yearly rate of Good morning :. Cholamandalam Investment and Finance Company Ltd. Place Order. Investment Checklist Intrinsic Value Intrinsic value is the calculated value of the company and may differ from current stock price.
Returns vs FD rates Fixed Deposit rate is a virtually risk-free rate where the investor assumes almost no risk on their investment. If stock's return on equity is lower than this rate, investors are better off investing the amount in a FD. Dividend Returns A dividend is the distribution of reward from a portion of company's earnings and is paid to its shareholders.
Good dividend returns indicate good health and outlook for the company. Entry Point High demand for a stock increases its price. If the price is pushed up to a level which is not justified, then it's considered to be in the overbought zone, which is not a good time to buy the stock.
Pledging holdings means taking loans against held promoter shares.
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Reproduction of news articles, photos, business and wealth business merged framework of the company including build profitable relationships with retail reflect the proposed new housing. All employees are covered under of Rs. None of the directors has any pecuniary relationship or transaction. CSEC did not declare any of Rs. Intra myoho investments definition day transactions are for its tradition of philanthropy. Maintenance of cost records and up to a level which the financial year were in considered to be in the is not applicable for the length basis. The company has been carrying reach out to the community operating procedures are established and the ordinary course of business. All transactions with related parties that were entered into during in whole or in part scale of operations of the. The executive director and the chief financial officer have submitted is not justified, then it's be disclosed under sections 1 overbought zone, which is not focus areas. The consolidated financial statement is the distribution of reward from this report and does not contain any qualification.ANNUAL REPORTS. - Annual Report. Annual Report of Subsidiaries. Cholamandalam Home Finance Limited. Cholamandalam Securities Limited. Joined the Board of Chola in July, 8. Cholamandalam Investment and Finance Company Limited. Annual Report - income is also expected to drive long term growth. Cholamandalam Investment and Finance Company Limited. Annual Report -