Mahindra & Mahindra Financial Services (M&MFIN) Investor Presentation summary

Strategic aspirations and growth targets

• Aims to become the most trusted financial services provider for Bharat, targeting 5X growth in AUM over the decade.

• Focus on expanding relevance, reach, and reputation in rural and semi-urban markets.

Historical performance and transformation

• Achieved 27% AUM CAGR from FY2005-2015, slowed to 9% during FY2015-2022 due to technology and risk challenges.

• Rebuilding phase (FY2022-2025) targets 23% AUM CAGR, with strengthened asset quality and enhanced technology.

• Asset quality volatility addressed through operational and technological improvements.

Current position and operational excellence

• Serves over 95% of Indian pin codes with 2.5M+ live customers and stabilized asset quality.

• Revamped customer experience with digital onboarding and straight-through processing.

• Strong management team with expertise across risk, compliance, digital, and AI.