Mahindra & Mahindra Financial Services Limited (NSE: M&MFIN, BSE: 532720) has released its performance updates for the fourth quarter (Q4) and the full financial year (FY2025) ending March 31, 2025. The company reported steady growth in disbursements, business assets, and liquidity while maintaining a focus on asset quality and operational efficiency.
During Q4 FY2025, Mahindra Finance estimated total disbursements at approximately ₹15,480 crore, reflecting a modest year-on-year (YoY) growth of 1%. For the full financial year FY2025, disbursements were projected at ₹57,850 crore, marking a YoY growth of 3%. This steady growth in disbursements highlights the company’s ability to sustain business momentum in a challenging market environment.
The company’s business assets grew significantly to approximately ₹1,19,300 crore as of March 31, 2025, representing a robust increase of 16% compared to March 2024. This growth underscores Mahindra Finance’s focus on expanding its portfolio and strengthening its market presence.
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Collection efficiency (CE), an important metric for assessing operational performance, was estimated at 97% for Q4 FY2025. While this was slightly lower than the 98% recorded in Q4 FY2024, it remained strong overall. For the full year FY2025, CE was estimated at 95%, compared to 96% in FY2024. Despite marginal declines in collection efficiency, the company continued to demonstrate resilience in managing collections effectively.
In terms of asset quality, Stage-3 assets were estimated at about 3.7% as of March 31, 2025, compared to 3.4% a year earlier. Stage-2 assets were estimated at around 5.5%, up from 5.0% as of March 31, 2024. While there was a slight increase in Stage-2 and Stage-3 assets, Mahindra Finance maintained its focus on minimizing risks and ensuring stability within its portfolio.
Mahindra Finance also highlighted its strong liquidity position with a liquidity chest exceeding ₹10,000 crore as of March-end. This comfortable liquidity ensures that the company is well-positioned to meet its financial obligations and support future growth initiatives.
Brijbala Batwal, Company Secretary of Mahindra & Mahindra Financial Services Limited, confirmed these updates in a regulatory filing with stock exchanges.
Stay tuned for further updates on market movements and financial insights.
Disclaimer: The information provided is for educational purposes only and does not constitute financial advice. We are not registered financial advisors. Please conduct your own research and consult a qualified advisor before making investment decisions. Any investment decisions you make based on this information are solely at your own risk.
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