: The group manages a $9.3 billion portfolio across various sectors including vehicle finance, home loans, and loans against property.
Recognizing that cash flows in sectors like agriculture and transport are seasonal, the sales team offers flexible repayment structures that match the customer's actual earning cycles. Impact on the Indian Commercial Sector leap chola murugappa sales
The company has maintained a high-growth trajectory, largely by servicing the "earn-and-pay" customer base—rural and semi-urban small business owners. Chola's Phygital Transformation Strategy | PDF - Scribd : The group manages a $9
Cholamandalam (Chola) is the financial services arm of the Murugappa Group. "LEAP" is the internal mobile application used by their Direct Sales Team (DSA) and business partners to source loans (Vehicle, Home, Loan Against Property, etc.). Chola's Phygital Transformation Strategy | PDF - Scribd
As one of India's prominent vehicle finance entities, Chola leverages LEAP alongside specialized dealer platforms like GaadiBazaar . Sales agents use automated valuation matrices to calculate depreciated risk profiles on used cars, commercial vehicles, and agricultural tractors on the spot. Mortgage Loans & Loan Against Property (LAP)
This sustained growth is not an accident. By digitizing sales, Chola was able to automate mundane tasks, allowing its sales force to focus on customer acquisition and service, directly boosting top-line performance.