MAHINDRA FINANCE

Non-Banking Financial Company 

By : Udit Garg
Nikita
Shivani
• Mahindra & Mahindra Limited is an
Indian multinational automotive
manufacturing corporation headquartered
in Mumbai, Maharashtra, India.
• It was established in 1945 as Muhammad
& Mahindra and later renamed as
Mahindra and Mahindra. It is one of the
largest vehicle manufacturers by
production in India and the largest
manufacturer of tractors in the world.
• It was ranked 17th on a list of top
companies in India by Fortune India 500
in 2018.
Introduction
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BACKGROUNDOFMAHINDRAFINANCE • Mahindra Finance began as a captive financier
of Mahindra Utility Vehicles in the early 90s.
• Mahindra Finance began as a captive financier of
• From
Mahindra Mahindra
Utility Vehicles UVsintothe
tractors to non-
early 90s.
Mahindra products, the company has
• Fromdiversified
Mahindra UVs into atofinancial
tractorsservices
to non-Mahindra
provider
products,
with a whole suite of financial solutionsa
the company has diversified into
financial services
tailored provider
to the with acustomer
under-served whole suite in of
financial solutions tailored
under-penetrated ruralto the under-served
markets.
customer in under-penetrated rural markets.
• Our product portfolio consists of vehicle
• Our product
finance,portfolio consists
which includes of vehicle
financing of finance,
whichpassenger
includes financing of passenger
vehicles, utility vehicles,vehicles,
tractors,
utilitycommercial
vehicles, tractors, commercial vehicles,
vehicles, construction equipment;
construction equipment;
and pre-owned vehicles andandpre-owned
SME finance,
vehicles and SME finance, which includes
which includes project finance, equipment project
finance, equipment
finance, working finance,
capitalworking
finance andcapital
bill
finance and bill discounting services
discounting services to SMEs. The company to SMEs.
The company also undertakes
also undertakes mutual fund mutual fund
distribution,
distribution, fixed deposits
fixed deposits and personal
and personal loans
loans tailor-made
tailor-made
to suit to
its suit
uniqueits unique
customer customer
set. set.

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• With over 33,000 employees, Mahindra Finance
has a presence in every state in India and a
footprint in 85% of its districts.
• It has a network of over network 1380 offices,
serving customers in more than 3, 80,000 villages–
that’s one in every two villages in the country.
• And has assets under management (AUM) of over
Rs. 81,500 crores.
• The company has thus pioneered several
innovative financial solutions tailor-made to the
earning patterns of the unique “Earn and Pay”
segment that it serves.

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 SECTORS OF
MAHINDRA
FINANCE

VEHICLE SME MUTUAL FUNDS

HOUSING FINANCE PERSONAL LOAN
FINANCING FINANCING SCHEMES

AUTO & UTILITY

NEW HOUSE PROJECT FINANCE LIQUID SCHEME WEDDING
VEHIVLE

HOUSE
EQUIPMENT EQUITY LINKED CHILDREN’S
TRACTORS RENOVATION &
FINANCE SAVING SCHEME EDUCATION
IMPROVEMENTS

WORKING CAPITAL EQUITY ORIENTED MEDICAL

CARS
FINANCE BALANCE SCHEME TREATMENT

PRE-OWNED
INSTITUTIONAL SHORT TERM DEBT
VEHICLES & WORKING CAPITAL
LENDING SCHEME
OTHERS

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PRODUCT PORFOLIO

• Our product portfolio consists of vehicle finance, which

includes financing of passenger vehicles, utility vehicles,
tractors, commercial vehicles, construction equipment;
• pre-owned vehicles and SME finance, which includes
project finance, equipment finance, working capital
finance and bill discounting services to SMEs.
• The company also undertakes mutual fund distribution,
fixed deposits and personal loans tailor-made to suit its
unique customer set.

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MAJOR COMPETITORS

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CORPORATE GOVERNANCE REPORT

• MANAGEMENT
• BUSINESS PROCESSES
• BUSINESS ETHICS
• PRODUCT AND SERVICES
• LEGAL AND OTHER COMPLIANCE

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 MAJOR DEVELOPMENTS IN 2020

• Joint venture with Manulife investment management (Singapore) for

mutual funds business
• ranked 25th in India's best companies to work by the economic times and
great place of work
• ranked 6th in the list of best large workplaces in Asia by great place to
work in institute
• joint venture with ideal finance ltd. for providing financial services in Sri
Lanka

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CONCLUSION

• Financial companies need to very efficient in there operations and have a fortress balance sheet to
give consistent return for there shareholders. the best way to analyse these variables are by
looking at the company’s numbers during tough phases of the business cycle. in that sense,
MMFSL has performed well across business cycles which gives us huge confidence about the
companies operations.
• with a large number of companies tapping rural markets to take advantages of the increasing
prosperity, MMFSL is the best positioned company to provide financial services to this unbanked
population. MMFSL is also beneficiary of the increasing strength of its parent M&M in these
markets.

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ThankYou

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