Management of Financial

Services
Case Study

18PBA129
18PBA133
18PBA135
18PBA137
18PBA139
18PBA141
 INTRODUCTION
• Devi – sole owner(M/s. Triupati Automobiles)
• Scalability – 2 commercial vehicles
• Collateral low
• Loan amount- ₹1285000
• Interest – 12% p.a
• Duration – 15 years
• Monthly instalment - ₹ 15422
 Mahindra Finance
• NBFC
• 40 per cent of commercial vehicles, 22 per cent was for tractors and the rest
was for passenger vehicles
• 1993 - Commenced financing of Mahindra and Mahindra Commercial
Vehicles
• 1999 - Commenced tractor retail financing in rural and semi-urban areas
• 2001 - Total Assets crossed the Indian Rupees 10 billion mark
• 2002 - Commenced financing of non-Mahindra & Mahindra vehicles
• 2006 - Company went public
• 2008 - Commenced the home loan business
• 2011 - Reached Indian Rupees 100 billion in Total Assets and ventured into
SME financing
• 2013 - Managed assets worth Indian Rupees 1,03,290 Million
 Product and services
• Tractor loan
• Utility vehicles
• Car loan
• Commercial vehicle loan
• Two wheeler loan
• Refinance
• Personal loan
• Gold loan
• FD
 MF STRATEGY
RURAL STRATEGY
• Rural and semi- urban markets
• Open bank accounts and operate deposits
• Custom- made loans (FARMERS)
• Helping small and rural enterprise
• Earn and pay(internal matrix)
 MOVING OUT

• Tie up with parent competitors

• Awareness to local people
• Local money lenders-> 36%-> 10%
• Meet the customer personally, face to face
interaction
• Recruitment
 Competitive Advantage

• Mahindra & Mahindra parentage

• Captive Field force
• Cost- effective funding
• Experience management team
• Strong customer and dealer relationships
 5C’s in Credit Evaluation by MF
• Condition
• Capacity
• Collateral
• Character
• Capital
 Suggestion
• MF can give loan to Devi since she is a trust
worthy customer.
• Expected Revenue - ₹24000