About Us

About Us

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Chola MS General Insurance Company Limited is a Joint Venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan.

Chola MS offers a wide range of insurance products that include Motor, Health, Property, Accident, Engineering, Liability, Marine, Travel and Crop insurance for individuals and corporates. In 2018, the company achieved a Gross Written Premium (GWP) of INR 41,026 million. Chola MS currently has 87 branches and over 34,000 agents across the country.

Chola MS champions a brand philosophy called T3, which stands for Trust, Transparency, and Technology. It has also been consistently recognised and awarded by the Government of India, international entities and ratings agencies for its insurance service and delivery innovations.

Our philosophy

About Murugappa group

  • Murugappa
    Founded in 1900, the INR 369 billion (36,893 Crores) Murugappa Group is one of India’s leading business conglomerates. The Group has 28 businesses, including nine listed Companies traded in NSE & BSE. Headquartered in Chennai, the major companies of the Group include Carborundum Universal Ltd., Cholamandalam Financial Holdings Ltd., Cholamandalam MS General Insurance Company Ltd., Coromandel International Ltd., Coromandel Engineering Company Ltd., E.I.D. Parry (India) Ltd., Parry Agro Industries Ltd., Shanthi Gears Ltd., Tube Investments of India Ltd., TI Financial Holdings Ltd and Wendt (India) Ltd. Market leaders in served segments, including Abrasives, Auto Components, Transmission systems, Cycles, Sugar, Farm Inputs, Fertilisers, Plantations, Bio-products and Nutraceuticals, the Group has forged strong alliances with leading international companies such as Groupe Chimique Tunisien, Foskor, Mitsui Sumitomo, Morgan Advanced Materials, Sociedad Química y Minera de Chile (SQM),Yanmar & Co. and Compagnie Des Phosphat De Gafsa (CPG). The Group has a wide geographical presence all over India and spanning six continents. Renowned brands like BSA, Hercules, Montra, Mach City, Ballmaster, Ajax, Parry’s, Chola, Gromor, Shanthi Gears and Paramfos are from the Murugappa stable. The Group fosters an environment of professionalism and has a workforce of over 50,000 employees. For more details, visit www.murugappa.com
    Murugappa

Our Leadership

We are a professionally-managed company under the stewardship of a competent and respected board of directors.

  • M-M-Murugappan

    Mr M M MurugappanChairman

    Mr M. M. MurugappanChairman

    Mr M M Murugappan is the Executive Chairman of the Murugappa Corporate Board. He holds a bachelor's degree in Chemical engineering from the AC College of Technology, University of Madras, and a master's degree in Chemical Engineering from the University of Michigan, USA. He is also the Chairman of Tube Investments of India Limited, TI Financial Holdings Limited, Coromandel International Limited, Wendt India Limited and Carborundum Universal Limited. He is on the boards of several companies including Mahindra & Mahindra Limited, Ambadi Investments Limited and Cyient Limited. He served on the Board of Governors of IIT Madras for six years till November 2011. He now serves on the board of the IIT Madras Research Park. He is a trustee of AMM Foundation and is actively involved in its activities, particularly in the area of education.
  • Shubhalakshmi Panse

    Ms Shubhalakshmi PanseDirector

    Ms Shubhalakshmi PanseDirector

    Ms Panse is a M.Sc. graduate from Pune University, CAIIB (Certified Associate of the Indian Institute of Bankers) and holds DBM (Diploma in Business Management), MMS (Masters in Management Sciences with specialization in Financial Management) from Pune University and MBA in Bank Management from Drexel University, USA. She has around four decades of experience in the field of Banking. Ms. Panse has served as Chairperson cum Managing Director of Allahabad Bank, Chairperson of ALLBANK Finance Limited and the Executive Director of Vijaya Bank Limited. She is on the Boards of various companies including Federal Bank Limited, IL & FS Investment Managers Limited, TI Financial Holdings Limited, Atul Limited, Sudharshan Chemical Industries Limited, PNB Housing Finance Limited. Ms. Panse joined the Board of Chola MS in March 2015.
  • Margam-Rama-Prasad

    Mr Margam Rama PrasadDirector

    Mr Margam Rama PrasadDirector

    Mr Margam Rama Prasad holds Masters degree in Statistics and is an Associate member of Insurance Institute of India. Mr. Prasad is a former Wholetime member of Insurance Regulatory and Development Authority of India in Non Life Insurance. He has over 40 years of experience in insurance sector. He was an Ex-Officio member in the Reinsurance Committee of International Association of Insurance Supervisors, the Governing Councils of Insurance Information Bureau and in Institute of Insurance and Risk Management. Mr. Margam Rama Prasad served as Chairman of General Insurance Council of India. He had held Directorships in The Thana Electric Supply Company Limited, GIC Housing Finance Limited, SHCIL Services Limited, Institute of Insurance and Risk Management,Indian Institute of Insurance Surveyors and Loss Assessors.
  • Mr. Sridharan Rangarajan1234

    Mr.Sridharan RangarajanDirector

    Mr.Sridharan RangarajanDirector

    Mr. Sridharan Rangarajan is the President & Group CFO of Murugappa group.
    He is a member of the Institute of Chartered Accountants of India and a graduate member of the Institute of Cost Accountants of India. He holds Bachelor’s degree in Commerce from Madurai University and is a certified Six Sigma ‘Green Belt’ & trained ‘Process Champion’, ‘Black Belt’
    He is a Non-executive Director on various Boards including TI Financial Holdings Limited, Cholamandalam MS Risk Services Limited, Cholamandalam Home Finance Limited, Cholamandalam Health Insurance Limited, Net Access India Limited. He has also served on the board of Timken India Limited.
    He has 29 Years of overall experience in various fields like Banking, Manufacturing, Contracting, Service and Distribution businesses. He has rich cross cultural work experience with American, European, Middle Eastern, Israeli and Asians working abroad and in India in Companies like ABB, IDBI, LG Electronics, Trane Inc. USA, Timken and CUMI.
  • Mr. Hideo Yoshida

    Mr. Hideo YoshidaNon-Executive Director

    Mr. Hideo YoshidaNon-Executive Director

    Working in Leadership positions in Mitsui Sumitomo Insurance (China) Co. Limited, Japan since 2009
    Has over 34 years of experience in general insurance industry
    Holds Bachelor of Arts in Business and Commerce from Keio University
    Holds Directorship in Cholamandalam MS Risk Services Limited, Mitsui Sumitomo Insurance (China) Co. Ltd., InterRisk Consulting (Shanghai) Co. Ltd.
  • S S Gopalarathnam

    Mr S S Gopalarathnam Managing Director

    Mr S S Gopalarathnam Managing Director

    Mr Gopalarathnam is a Commerce graduate, a fellow member of the Institute of Cost Accountants of India and has done an advanced management program in Harvard University. He has been associated with the Murugappa Group for nearly 39 years since 1979 in various leadership roles. He spent 21 years in Tube Investments of India Limited in various roles like Finance, Exports and Business operations and was head of Corporate & strategic planning at the Murugappa Group for 1-1/2 years and is a founder member of Cholamandalam MS General Insurance Company Limited from the inception since 2001 and has been on the Board since April, 2008. Mr. Gopalarathnam is a director on the Board of Cholamandalam MS Risk Services Limited and Cholamandalam Health Insurance Limited.
  • Takashi Kishi

    Mr Takashi KishiWholetime Director

    Mr Takashi KishiWholetime Director

    Mr Takashi Kishi  Working in Mitsui Marine & Fire Insurance Co. Ltd. since 1989.Has over 30 years of experience in general insurance industry.Holds Bachelor of Arts in Business and Commerce from Keio University, Faculty of Business and Commerce.Holds Directorship in Cholamandalam MS Risk Services Limited.
  • S S Gopalarathnam

    S S GopalarathnamManaging Director

  • Takashi Kishi

    Takashi KishiWholetime Director

  • V Suryanarayanan

    V SuryanarayananPresident & Chief Operating Officer

  • Vedanarayanan-Seshadri

    Vedanarayanan-SeshadriPresident – Emerging Businesses

  • S Venugopalan

    S VenugopalanChief Financial Officer

  • Suresh Krishnan

    Suresh KrishnanCompany Secretary & Chief Compliance Officer

  • S K Rangaswamy

    S K RangaswamyChief Risk Officer & Head – Internal Audit

  • N V Murali

    N V MuraliChief Investment Officer

  • R Arunachalam

    R ArunachalamAppointed Actuary

Our Fact file

We believe in complete transparency, so whatever you want to know about us, be it reports, lists or disclosures, they're just a click away.

Annual Reports

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Useful Information

Contact Details:

Investors services related queries/requests/complaints/may be directed to:

  • Company Secretary/Compliance Officer:

  • Debenture Trustee:

  • Registrar and Share transfer agents (RTA):

Dedicated e-mail Id for Investor Grievances: secretarial@cholams.murugappa.com

Debt Securities viz. Unsecured Redeemable Subordinated Listed Non-Convertible Debentures of the Company are listed in the Whole Sale Debt Market Segment of National Stock Exchange of India Limited.

Credit rating – Non - Convertible Debentures

Name of the Rating Agency Rating
CRISIL CRISIL AA/ Stable
ICRA ICRA AA (Negative)

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Debt Securities viz. Unsecured Redeemable Subordinated Listed Non-Convertible Debentures of the Company are listed in the Whole Sale Debt Market Segment of National Stock Exchange of India Limited.

Awards & Recognitions

Society above all!

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Whether you seek to make a career with Chola MS or want to connect to discuss business, we're always available to listen.

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