Sales Leap !!better!! - Chola

The momentum behind Chola's sales leap is further accelerated by powerful macroeconomic factors sweeping across the Indian economy. Infrastructure Development

Real-time breakdown of leads by status (e.g., Interested, Document Collection, Sanctioned, Disbursed).

by 2025 to increase penetration in smaller towns and rural areas. Uncia Technologies Performance Summary (FY24 vs. FY25) Growth (%) Disbursements ₹22,442 Cr ₹25,806 Cr Business AUM ₹1,34,317 Cr ₹1,74,566 Cr ₹1,153 Cr ₹1,464 Cr Data sourced from Chola Investor Presentations of a particular loan segment, like Vehicle Finance Home Loans A 7-Year Digital Transformation Journey with Uncia chola sales leap

Use individual stories to create collective meaning. Focus on themes like resilience and growth rather than just interest rates. 3. Strategic Digital Integration

Number of new field leads generated directly via the Lead Creation module . The momentum behind Chola's sales leap is further

Another critical factor in Chola’s growth story is the strategic diversification of its product portfolio. Historically reliant on vehicle financing (specifically heavy commercial vehicles), Chola successfully expanded its footprint into high-growth segments such as Loan Against Property (LAP), Home Equity, and Secured Business Loans. By reducing its dependence on a cyclical sector like auto lending, the company hedged its risks and tapped into the burgeoning demand for credit among small and medium enterprises (SMEs) and the retail housing sector. This broad-based approach ensures that a slowdown in one vertical does not stifle overall growth, contributing to the aggregate sales leap.

A distinctive aspect of Chola’s recent surge is its strategic acquisition of lending businesses from other entities, such as the portfolio acquisition from ICICI Bank. These strategic moves have allowed Chola to instantly scale its Assets Under Management (AUM) without the time and cost associated with organic grassroots expansion. By integrating these portfolios and retaining the customers through superior service, Chola executed an inorganic growth strategy that provided an immediate boost to its sales figures, solidifying its position as a top-tier NBFC. Uncia Technologies Performance Summary (FY24 vs

Chola’s sales leap is, in many ways, a story about . The company’s commitment to reaching “under‑penetrated rural and semi‑urban markets” is not merely a corporate social responsibility initiative—it is a core growth strategy. As of FY26, Chola MS alone generated business from 213,264 gram panchayats across the country, a substantial increase from the 168,000 panchayats covered just a year earlier.