Our Inclusive Business Model

Inclusive Buisness Model for Value Creation


Earn & Pay Segment of Customer

Enabling livelihood creation by evaluating the earning potential of customer rather than past financial history.

Customised Products & Customer Centricity

Offering customised products, flexible repayment schedule & partnering with customer in meeting the needs of rural India.

Local Communities

Imparting financial literacy & focusing on livelihood, health & education in communities.

Low Serviced Regions

Focus on rural & semi-urban parts of India which are not covered by conventional banking service.

Local Employment

Hiring local people, generating employment opportunities gaining better understanding of markets & customers.

Local Suppliers

Preference to local suppliers thereby providing business opportunities & improving their service levels with constant engagement.

Our Direction

People Planet Profit

Enabling Stakeholders to Rise

  • Build a great place to work
  • Foster inclusive development
  • Make sustainability personal

Rejuvenating the Environment

  • Achieve carbon neutrality
  • Become water positive
  • Ensure no waste to landfill
  • Protect biodiversity

Building Enduring Business

  • Grow green revenue
  • Mitigate risk including climate risk
  • Make supply chain sustainable
  • Embrace technology and innovation
  • Enhance brand equity

Partnering. Learning. Sharing.

Giving back more than we take.

Download Roadmap

The Financial Services Sector Sustainability Council comprises of Core Team Members. This is an 8 member cross-functional team comprising of senior management members from major functions at Financial Services Sector. The Financial Services Core Team meets once in every quarter.

Core Team

The departments which are represented in the core team of the council are:

  • Human Resources
  • Information Technology
  • Accounts
  • Treasury & Corporate Affairs
  • Operations
  • Rural Housing Finance (Representation from subsidiary company- MRHFL)
  • Insurance Broking (Representation from subsidiary company MIBL)
  • Infrastructure & Services
Financial Service Sector

The Financial Services Sector of the Mahindra Group integrates the well-being of the community and the environment with long term economic value creation. It strives to give back more than it takes and thus drives positive change.

Download Policy

Our Accomplishments

Sustainability Initiatives

#iamresponsible - Making Sustainability Personal

“I Am Responsible‘” campaign is to sensitize and build ESG culture in employees. The Initiative revolves around and is rooted with United Nation Sustainable Development Goals . Enhancing employees' understanding for responsible behavioural changes towards being planet positive and socially conscious.

The Initiative’s motto is to make employees Invest intellectually towards our planet an be Sustainable Consumer as “We do not inherit the Earth from our ancestors, we borrow it from our children.”


We follow Policy for Disposal of lT Assets which is in-accordance to applicable rules and guidelines.

100% of e-waste has been managed as per the regulations.


At our MIBL Head Office in Mumbai, existing 3,10 lights has been replaced with the LED lights which resulted in saving of 32,000 KWH of electricity every year. This has also contributed to reduction in the GHG emission because of electricity consumption.


Employee Engagement Participation  in ESG culture Building Initiatives :

“ Paper Reduction- Up -cycling of papers , Soil Conservation- Seasons Greeting with Treeting, Sustainable Consumption- Best of  waste ,  Energy Efficiency Quiz, E-waste collection Drive, Sustainable Gifting”



Sustainability Reports and Disclosures

Materiality Matrix

Understanding what matters most.

An understanding of materiality enables us to prioritize the issues that matter most across our value chain. The materiality matrix shown below reflects the outcome of our 2016 materiality assessment.

The topics with the highest priority for stakeholders and the biggest estimated impact on our business appear in the top right of the chart.


  • 1 C - Customer Need Identification and Satisfaction
  • 2 R - Corporate Goovernance**
  • 3 L - Credit Ratings
  • 4 S - Sustainability Business Module **
  • 5 D - Business Profitability
  • 6 S - RONW, EPS
  • 7 S - Transparency and Communications
  • 8 R - Investor Security
  • 9 E - Community Initiatives
  • 10 E - Employee Engagement
  • 11 E - Employee Well-being
  • 12 Co - Product and Services Information to customers
  • 13 D - Dealer Relationship
  • 14 Co - Financial Literacy
  • 15 C - Brand Management
  • 16 E - Employee Productivity (L&D)
  • 17 E - Talent Attraction and Retention
  • 18 R - Financial Inclusion
  • 19 C - Product Portfolio
  • 20 Co - Climate Change***
  • 21 E - Diversity and Inclusion*
  • 22 Co - Paper and eWaste Management
  • 23 C - Customer Privacy
  • 24 R - Supply Chain Management
  • 25 R - Representation with Regulators
  • 26 Co - Emission to Air . GHG
  • 27 Co - Environmental Reporting
  • 28 Co - Effluents and Waste

Get in Touch

Mahindra & Mahindra Financial Services Limited
4th Floor, Mahindra Towers,
Dr. G.M. Bhosale Marg,
P.K. Kurne Chowk, Worli,
Mumbai 400 018.

emailEmail: [email protected]

callToll free number: 1800 233 1234 (Mon–Sun, 8am to 10pm)

(Except National Holidays)

whatsappWhatsApp number: 7066331234

Click here to locate the nearest Mahindra Finance branch around you

Calculate Your EMI

  • Diverse loan offerings
  • Less documenation
  • Quick processing
Loan Amount
Tenure In Months
Rate of Interest %
Principal: 75 %
Interest Payable: 25 %

For illustration purpose only

Total Amount Payable