HISTORY :We were incorporated on January 1, 1991 as Maxi Motors Financial Services Limited and received certificate of commencement of business

on February 19, 1991 . Our name was changed to Mahindra & Mahindra Financial Services Limited on November 3, 1992 . We are registered with the RBI as an NBFC with effect from September 4, 1998 under Section 45IA of the Reserve Bank of India Act 1934.

VISION:Our vision is to be the leading Rural Finance Company and continue to retain the leadership position for Mahindra Products.

MISSION:We will be recognized as the premier provider of financial services on the basis of our contribution to sale of Mahindra range of vehicles, tractors, services and help M&M protect its sale through availability of finance We will specialize in financing products based on applications and build on the competence developed in its focus area. We will target all segments of vehicle financing and deploy the skills acquired through an in-depth understanding of the chosen product market. We will provide products and services tailored to the needs of M&M, our most favored customer, and always meet their needs. In case of demandsupply mismatch of funds, we will do everything to find a solution We will help M&M develop better products by providing first-hand information received from the target market.

Our Business:The loan products designed by us, both in terms of amount and tenure, are based on usage and the economic life of the vehicle Commercially, UVs are used both for passenger as well as goods transport. Tractors are used for both farm and haulage applications Our innovative and flexible repayment schedule is designed on a case to case basis and suits the need of every borrower, with convenient and comfortable repayment schedules and methods. We offer quarterly, monthly, half-yearly repayment schedules and one can repay via post-dated cheques, demand drafts and cash. Our customers for retail loans are small entrepreneurs or selfemployed individuals such as transport operators, taxi operators and agriculturists. We also provide trade finance to automobile and tractor dealers, which following the sale of a vehicle, are converted into direct retail customer loans. Our customers usually provide part of the amount and the balance of the vehicle’s price is financed by us. We believe that to operate effectively in rural and semi-urban areas, it is necessary to be familiar with the local culture, practices and environment. Accordingly, we endeavour to recruit local employees into our branches and provide them training on our tailor-made training programmes. We conduct most of our business through our own field executives and branch personnel, which we believe is preferable to relying on outsourced marketing agents and sales agents Our business has grown extensively since the time we were established. Our loan assets, total income and profit after tax have all grown considerably over the last few years.

STRENGTH’S

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We believe that the following are our key strengths: In-depth knowledge of the rural and semi-urban market Our relationship with Mahindra & Mahindra Our branch network Our association with dealers Our client base Our loan approval and administration procedures Experienced Board and executive management team Our ability to borrow at competitive rates

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