COLD-ROLLED STEEL SHEET AND PROCESS FOR MANUFACTURING SAME

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A high-strength cold-rolled steel sheet includes a composition having controlled amounts of carbon, silicon, manganese, phosphorous, sulfur, titanium, niobium, sol. Aluminum, chromium, molybdenum, vanadium, boron, calcium, REM, and iron. A microstructure thereof has a main phase of ferrite of at least 40 area %, and a second phase of a low-temperature transformation phase consisting either or both of martensite and bainite, which comprises at least 10 area % in total and retained austenite (γ) at least comprising 3 area %. An average grain diameter of ferrite has a tilt angle of at least 15° is at most 5.0 mm, an average grain diameter of the low-temperature transformation-produced phase is at most 2.0 mm, an average grain diameter of lump-like retained γ having an aspect ratio of less than 5 is at most 1.5 mm, and an area fraction of the lump-like retained γ relative to the retained γ is at least 50%.