Mahindra & Mahindra Financial Services Limited — PPTs, 22-04-2025: Investor Presentation

**Financial Highlights:** For Q4FY25, Mahindra & Mahindra Financial Services Limited (MMFSL) recorded total income of ₹2,156 crore, reflecting a 9% increase from ₹1,971 crore in Q4FY24. The company achieved a net profit after tax of ₹563 crore, up 9% from ₹619 crore in Q4FY24, resulting in a robust 33% growth in profit for FY25, totaling ₹2,345 crore compared to ₹1,760 crore in FY24.

**Strategic Initiatives and Growth Drivers:** MMFSL's total disbursements increased to ₹57,900 crore, marking a 3% year-over-year growth. Key sectors driving this growth include SME financing, which saw a substantial 48% increase, along with an 11% rise in tractor lending. Notably, the company achieved a 17% growth in Assets Under Management (AUM), reaching ₹119,673 crore.

**Business Developments:** The company leveraged digital onboarding and enhanced collection efficiencies, with non-cash collections rising to 77%.

**Market Position and Competitive Advantage:** MMFSL maintains a strong competitive position with a diversified portfolio across multiple segments, sustaining a Gross Stage-3 (GS-3) ratio at 3.7%, indicating controlled asset quality and prudent risk management.

**Investor Implications:** Given the positive trajectory reflected in disbursements, profit growth, and effective operational strategies, investors can view MMFSL favorably for potential growth, especially in sectors such as SME lending and rural financing. Watch closely for continued performance improvements and market positioning.