Mahindra & Mahindra Financial Services Limited — PPTs, 24-04-2026: Investor Presentation

Mahindra Finance saw strong Q4 performance with standalone Net Profit (PAT) soaring 55% year-on-year to ₹ 873 Cr, contributing to a 19% PAT rise for the full year to ₹ 2,782 Cr. Return on Assets (RoA) for Q4 improved to 2.4% (vs 1.7% YoY) and 2.0% for the full year. Net Interest Margin (NIM) expanded to 7.5% in Q4 (+101 bps YoY) and 7.1% for the full year.

Business AUM grew 12% YoY to ₹ 1,34,096 Cr, fueled by strong rural demand with Tractor disbursements up 63% in Q4 and 49% for the full year. Digital and AI transformation is a key driver, enabling 100% digital onboarding, collections, and significant process efficiencies like ~40% Straight Through Processing and 80% faster post-sanction TAT.

Asset quality stabilized, with Gross Stage 3 (GS3) at 3.4% and GS2+GS3 at 8.2%, marking its lowest in 8 years. Provision coverage on GS3 is prudent at 58.6%. The company is strengthening its operating model, focusing on efficiency gains and expanding Mortgages (AUM up 21% YoY) and SME segments (AUM up 32% YoY), alongside maintaining leadership in vehicle finance. Capital Adequacy stands at a comfortable 18.8%. Full year Basic EPS was ₹ 20.35.