Mahindra Finance reported a 55% YoY rise in Q4 PAT to INR 873 crore and a 19% increase for FY26, driven by strong NIM expansion and record-low asset quality.
The company created a INR 217 crore management overlay provision as a prudent measure against potential headwinds from geopolitical tensions and monsoon forecasts.
Digital transformation is now business-as-usual, with 50% of FY26 disbursements on the Udaan stack and AI tools driving significant efficiency gains in collections and processing.
Management outlined medium-term priorities focusing on defending wheels leadership, growing mortgage/SME/leasing businesses, and leveraging AI capabilities for future growth.