Summary

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11	11	The vision of Chola is to enable customers enter a better life. Chola has a growing clientele of over 8 lakh happy customers across the nation. 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.
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	14	+[[image:CHOLAFIN.png]]
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14	14	== Products and Services ==
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16	16	**Vehicle Finance Loans** - Loans to customers against purchase of new/used vehicles, tractors, construction equipments and loan to automobile dealers.
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46	46	* Bonds
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49	49	= Industry Overview =
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51	51	== Auto Industry ==
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67	67	The Indian Housing Finance market is estimated about ₹ 21 lakh crore and grew at around 10-14% in FY 20. ₹ 3 lakh crore of the housing finance market comprises Low Cost Housing Finance. 70% of the Low Cost Housing market is located in Tier II, III , IV cities. The growth in the affordable housing finance segment continued to out-pace the housing sector and is estimated between 15-20%. The disbursements for the year were also impacted by the COVID-19 related lockdown in March 2020.
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70	70	= Business Overview =
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72	72	== Vehicle Finance ==