Mahindra Finance aims for 5X AUM growth this decade, aspiring to be the most trusted financial services provider for Bharat.

The company successfully rebuilt asset quality and enhanced technology from FY22-FY25 after prior challenges.

Business Assets grew robustly from ₹65,000 Cr in FY22 to ₹120,000 Cr in FY25, with AUM CAGR of 23%. Asset quality significantly improved, with 90+ DPD reducing to 3.7% (FY25) from 7.6% (FY22). Strategically, the company plans to capitalize on its #1 position in tractor financing, balance Auto & CV growth, and diversify into Mortgages and SME lending, targeting ₹7,000 Cr AUM for each by H1F26. Operational excellence is being boosted with AI across customer experience, document processing, and collections, alongside a focus on cross-selling for fee income.

Management projects future AUM growth of 18-20%, credit cost of 1.3-1.7%, and RoA of 2.2-2.5%.