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Cholamandalam Investment and Finance Company Limited, incorporated in 1978, is a diversified non-banking finance company in India operating as the financial services arm of the Murugappa Group. The company primarily provides vehicle finance, home loans, loan against property, and MSME lending. Its services focus on under-banked and unbanked populations, with 92% of its locations situated in Tier-III to Tier-VI towns across rural and semi-urban India. Cholamandalam operates within the non-banking financial company (NBFC) and broader financial services industries, serving customers mainly in India across smaller towns.