ग्राहक बोलणे

रंजीव रंजन

रंजीव रंजन

पाटलिपुत्र (बिहार)

"मी महिन्द्रा फायनान्सशी अनेक वर्षे व्यवहार करत आहे. २०१3 मध्ये मी महिन्द्रा फायनान्सकडून प्रथम कर्ज घेतले जे बॅंकांच्या तुलनेत माझ्यासाठी खूप सोयीचे होते. दस्तऐवजीकरण खूप कमी आहे आणि वितरण खूप वेगवान आहे. मी कधी कधी वेळेवर ईएमआय भरू शकत नाही, अशावेळी त्यांची कर्मचारी ईएमआय घ्येण्यासाठी येतात. ते माझ्याशी मित्रासारखे वागतात. या सर्व गोष्टींमुळे मी २०१6 मध्ये पुन्हा कर्ज घेतले. मी घेतलेली दोन्ही कर्जे मी परतफेड केली आहेत आणि आता मी त्याकडून तिसरं कर्ज घेण्याचा विचार करीत आहे."

कुंदन कुमार

कुंदन कुमार

मुझफ्फरपूर (बिहार)

"मी महिन्द्रा फायनान्सच्या उत्पादने आणि सेवांबाबत पूर्णपणे समाधानी आहे. मी पूर्व-मालकीच्या वॅगनआरसाठी कर्ज घेण्याच्या पर्यायांचा शोध घेत होतो. मला एका ओळखीच्या व्यक्तीकडून महिन्द्रा फायनान्सबद्दल माहिती मिळाली. महिन्द्रा फायनान्स हा आर्थिकदृष्ट्या एक व्यवहार्य पर्याय होता, म्हणून मी या दिशेने एक पाऊल पुढे टाकले. महिन्द्रा फायनान्सने दिलेल्या उत्पादनांच्या आणि सेवांच्या गुणवत्तेशी मी पूर्णपणे समाधानी आहे. मला इतर काही कर्ज हवे असल्यास मी महिन्द्रा फायनान्सकडे नक्कीच जाईन."

कैलास यादव

कैलास यादव

चंदीगड

"आतापर्यंत 4 वाहनांना महिन्द्रा फायनान्सकडून वित्तपुरवठा करण्यात आला. सेवा खूप चांगल्या आहेत. आणि कोठेही जाण्याची गरज नाही, अधिकारी ईएमआय घेण्यासाठी आमच्याकडे येतात. वेळेत एनओसी प्राप्त झाले. व्याज दरही खूप चांगला आहे. भविष्यातील कोणत्याही वाहन कर्जासाठी महिन्द्रा फायनान्सकडे संपर्क साधावा असे वाटते."

खालिद

खालिद

मेरठ (उत्तर प्रदेश)

"मी गेल्या 2 वर्षांपासून महिन्द्रा फायनान्सशी संबंधित आहे. महिन्द्रा फायनान्स माझ्या नातलागाने सुचवले होते. महिन्द्रा फायनान्सचा व्याज दर इतरांपेक्षा कमी आहे. मी महिन्द्रा फायनान्सच्या कर्मचार्‍यांसह खूप आनंदी आहे. एकदा माझ्या कुटुंबात काही संकट आलं आणि मला ईएमआय भरता आला नाही, तेव्हा मी त्यांना कळवलं आणि कर्मचार्‍यांनी कोणताही मुद्दा उपस्थित केला नाही. जरी मला ईएमआय देण्यास उशीर झाला, तरीही त्यांचा मित्र कर्मचारी ते घेण्यासाठी घरी येतात."

रोहित कुमार

रोहित कुमार

चंदीगड

"मी कार खरेदी करण्यासाठी महिन्द्रा फायनान्सकडून अडीच वर्षांपूर्वी कर्ज घेतले. कर्ज वितरण प्रक्रिया अत्यंत वेगवान आहे. वितरणास केवळ 3 दिवस लागले. शाखेतला माझा अनुभव चांगला होता, मला ईएमआय पेमेंटची वाट पाहण्याची गरज नाही, ज्यामुळे माझा वेळ आणि त्रास वाचतो. मी एमएफच्या माझ्या अनुभवामुळे खूप आनंदित आहे."

वरुणकुमार झा

वरुणकुमार झा

दिल्ली

"मी माझ्या गेन्सेट उद्योगासाठी २ वर्षांपूर्वी महींद्र फायनान्स कडून कर्ज घेतले. महिन्द्रा फायनान्स कडून हे तिसरे कर्ज आहे. कर्जाच्या सुलभ प्रक्रियेमुळे मी खूप खूष आहे. वितरणही खूप वेगवान आहे." माझ्या दृष्टीने कार्य करणारे एक प्रभावी शाखा नेटवर्क आहे. मी बिहारमध्ये कर्ज घेतले आहे आणि आता मी माझ्यासाठी सोयीस्कर असलेल्या दिल्ली शाखेत ईएमआय देत आहे."

सुरेश

सुरेश

तामिळनाडू

"मी सुरेश आहे, मी एक शेतकरी कुटुंबातील आहे. मी माझा स्वत: चा प्रवास व्यवसाय सुरू करण्याचा विचार केला तेव्हा मी असहाय होतो. महिन्द्र फायनान्सने आवश्यक कर्ज देऊन मला पाठबळ दिले, ज्यामधून मी महिन्द्रा टूरिस्टर विकत घेतली. जेव्हा प्रवास व्यवसाय वाढू लागला, तेव्हा मला माझ्या कुटुंबाच्या शेती व्यवसायावर देखील लक्ष केंद्रित करावेसे वाटले. मी माझा हप्ता देण्यास नेहमीच तयार होतो, यामुळे महिन्द्रा फायनान्सने स्वत: मला ट्रॅक्टर खरेदीसाठी आणखी कर्ज दिले. कर्जाच्या कोणत्याही गरजेसाठी मी माझ्या नातेवाईकांना महिन्द्रा फायनान्सची शिफारस केली आहे. महिन्द्रा फायनान्सच्या मदतीने माझे दोन्ही प्रवासी आणि कृषी व्यवसाय बरेच सुधारले आहेत."

गोविंदन

गोविंदन

तामिळनाडू

"मी कृषी पार्श्वभूमीतून आलो आहे; मी माझ्या मित्राला ट्रॅक्टर खरेदी करण्याच्या माझ्या हेतूबद्दल सांगितले. महिन्द्रा फायनान्सचा विद्यमान ग्राहक असल्याने त्याने मला ट्रॅक्टर कर्जासाठी कंपनीकडे पाठविले. टीमने कर्जाची रक्कम तत्काळ दिली आणि आठवड्यातूनच मला ट्रॅक्टर मिळाला. ट्रॅक्टरच्या मदतीने माझ्या उत्पन्नाची पातळी सुधारली आहे. मी त्वरित परतफेड सुनिश्चित करतो. येत्या वर्षात मी आणखी एक ट्रॅक्टर खरेदी करण्याचा विचार करीत आहे आणि त्यासाठी महिंद्राची मदत घेईन."

रमेश

रमेश

तामिळनाडू

"मी मासिक पगार आणि किमान कमाई करणारा ड्रायव्हर होतो. मी नेहमीच वाहन घेण्याचे स्वप्न पाहिले आणि ते स्वप्न महिन्द्रा फायनान्सच्या पाठिंब्याने खरे ठरले. मी ह्युंदाई इऑन खरेदी केली आणि मालक व ड्रायव्हर म्हणून माझे जीवन सुरू केले आणि आता माझे उत्पन्न सुधारले आहे. मी माझे हप्ते भरण्यास द्रुत होतो आणि चांगल्या नावाने मी करार बंद केला. मी माझ्या वाहनावर पूर्व-मंजूर कर्जासाठी देखील पात्र आहे ज्यामुळे मला सुरक्षित वाटते"

जोमन थॉमस

जोमन थॉमस

केरळ

"मी कुट्टायडी शहरात दुकान चालवत असे आणि कौटुंबिक पार्श्वभूमी चांगली होती. मी नेहमीच स्वतःचे घर असण्याचे स्वप्न पाहिले, परंतु आर्थिक संकटामुळे आणि इतर परिस्थितीमुळे माझे स्वप्न साकार करण्यासाठी मी पुरेसे पैसे वाचवू शकलो नाही. महिन्द्रा फायनान्सने माझ्या संकटात सापडल्यानंतर माझ्या मारुती सुझुकी डिझाइर व्हीडी येथे माझ्या वाहनावर टॉप अप कर्ज उपलब्ध करुन दिले, ज्याच्या मदतीने मी माझे घर बनवू शकेन आणि माझे स्वप्न साकार करू शकेन"

सुलेमान

सुलेमान

केरळ

"२०१४ पर्यंत मी नाडूवनूरमध्ये टॅक्सी चालक-मालक होतो. महिन्द्रा फायनान्सकडून घेतलेल्या कर्जावरुन मी शेवरलेट तवेरा विकत घेतली. कुटुंबात मोठा भाऊ असल्याने माझ्यावर बहिणींचे लग्न करण्याची जबाबदारी होती. मी बर्‍याच मार्गाने पैसे जमवण्याचा प्रयत्न केला. परंतु कोणालाही मदत केली नाही, त्यावेळी महिन्द्रा फायनान्सने माझ्या वाहनावर कर्ज दिले आणि मला माझ्या बहिणीचा चांगला विवाह करता आला."

सौम्या बिनु

सौम्या बिनु

केरळ

"माझ्या वडिलांमुळे माझी महिन्द्रा फायनान्सशी ओळख झाली आहे. वडील आधीपासूनच महिंद्रा फायनान्सचे ग्राहक आहेत. मी केरळमध्ये चांगला व्यवसाय करीत आहे. पण केरळमधील पूरानंतर माझा व्यवसाय विजेविना चालत नव्हता. मग मी महिन्द्राशी संपर्क साधला तेव्हा माझ्या वडिलांच्या मागील कर्जाचा विश्वास आणि त्यांच्याद्वारे देण्यात आलेल्या सेवांच्या आधारे मला 3 जनरेटरसाठी कर्ज दिले गेले होते आणि या मदतीने माझा व्यवसाय स्टार्ट-अप झाला आणि आता मी आंतरराष्ट्रीय उत्पादने निर्माण करतो."

बलवंतसिंग राऊलजी

बलवंतसिंग राऊलजी

गुजरात

"मी वडोदरा येथे राहतो आणि एका कंपनीत मेंटेनन्स मॅनेजर म्हणून काम करतो. २०१७ मध्ये मी महिन्द्रा फायनान्सकडून कर्ज घेतले. कर्ज खूप लवकर आणि सहज वितरित केले गेले. कर्जाच्या कालावधीत कोणतीही समस्या असल्यास कर्मचार्‍यांकडून सुलभ व त्वरित तोडगा काढला जातो."

संजय भीमरावजी रहांगडाले

संजय भीमरावजी रहांगडाले

महाराष्ट्र

"मी महिन्द्रा फायनान्सशी 2 ते 3 वर्षे संबंधित आहे. मला महिन्द्रा फायनान्स कडून २ ते ३ दिवसात कर्ज मंजूर झाले आणि आठवड्यातच वितरित केले. मला वैयक्तिकरित्या पूर्ण पाठिंबा देण्यात आला ज्यामुळे कर्जाचे व्यवहार सुलभ झाले. मी इतरांना शिफारस केली आहे की महिन्द्रा फायनान्सची मदत घ्यावी."

Vaishnav Jain

वैष्णव जैन

गुजरात

"मी महिन्द्रा फायनान्सशी 10-12 वर्षांपासून संबंधित आहे. माझा अनुभव खूप चांगला आला आहे. माझ्या कर्जाच्या कालावधीत मी वैयक्तिक कारणास्तव 2 महिन्यांपर्यंत ईएमआय भरू शकलो नाही आणि महिन्द्रा फायनान्सने मोठी उदारता दर्शविली. मी आता माझ्या वाहनासाठी पुन्हा कर्ज घेण्याची योजना आखत आहे, आणि मी फक्त महिन्द्रा फायनान्सकडून कर्ज घेईन."

Vijay Vasant Gaitonde

Vijay Vasant Gaitonde

Mumbai

"My father owned a pasteurised milk business and I decided to expand that and venture into ice-cream and kulfi making. However, finance was not readily available. I applied in many banks and my case was pending for 3-4 months.
Then I approached Mahindra Finance. They visited my factory, studied my documents and sanctioned my loan in ten days! Today many of my products stand at par with India's biggest brands"

Shweta Patil

Shweta Patil

Pune

"I started with one machine, one operator and a crankshaft machining capacity of only five numbers, then we entered into an agreement with a leading car manufacturer who required us to install an automated line of machines.
For this, I required a solid financial solution. That's when I approached Mahindra Finance. They made a proper observation of my business and designed a strategy to suit my need. Today the production capacity of my company has increased by four times since I got the loan and it is equipped with the latest technology that gives me an edge in the market."

Ramapati Mishra

Ramapati Mishra

Gurgaon

"For me, business expansion with a loan was a distant dream. Dealing in engineering and auto parts, I required funding for two CNC machines. No bank was ready to provide me a loan and the ones that could, would charge a heavy premium.
Then I got in touch with the team at Mahindra Finance. They did a detailed analysis of my business and after few reference checks, they provided me a loan."

Ratnabhai Bharvad

Ratnabhai Bharvad

Vododara

"I've been into the dairy business for the last 15 years. I earn around Rs. 30,000 every month and at present, have a loan for two Mahindra Pickups for my business. My experience with Mahindra Finance has been great so far. The executives have been very helpful and I've never had to wait long for the loans. Plus, considering my financial situation, they even increased my loan tenure to six years and reduced the penalty charges.
Before the loan, I used to supply milk on my bike. But then it became more and more difficult to supply milk in the interiors of my village. That's when I decided to purchase a Mahindra Pickup and approached Mahindra Finance for a loan. They seemed to understand my need immediately, and helped me to get a quick loan disbursal. After the Pickup came in, my business grew by five times and has been growing at a tremendous pace since then. In fact, now that I'm earning well, I'm even aspiring to purchase a family car and then go for a home loan after a few years.
Now when people ask me for a suggestion regarding loans, I always recommend just one name – Mahindra Finance."

Surya Narayan

Surya Narayan

Hyderabad

"I was with a construction company for eight years. In 2004, I left my job and started subcontracting with a few friends. Three years later, I decided to expand. So I took up a commercial vehicle loan from Mahindra Finance to buy a vehicle for transportation and marketing purposes. Soon, my partnership firm began to grow since I could visit more clients and serve them better.
In 2009, I started my own company and needed to buy another vehicle. Considering our good rapport, I decided to stick to Mahindra Finance for yet another commercial vehicle loan.
Few years ago, I was just an ordinary employee. Today, my company, Pranathi Engineering Services, is a family of over 200 motivated individuals. I now intend to expand into construction services and move up to becoming a contractor from a sub-contractor. All thanks to friends and organisations like Mahindra Finance who showed faith in my potential and helped me along my journey."

S.K. Rabbani

S.K. Rabbani

Hyderabad

"I used to be a taxi driver in Mumbai for six years. But a dire need of money forced me to leave my motherland and migrate to Saudi Arabia to earn a living. I worked there as a private car driver and did well monetarily. But for me, money couldn't replace the joy of working in my own motherland.
Five years later, I decided to return home. With my savings of Rs. 1 lakh, I started a business dealing in scraps in Hyderabad. But then, things didn't go too well and I lost all my money in the business. My confidence took a big hit and I was back to where I was – being an ordinary taxi driver. But somewhere in my heart, I always believed that those who try can never fail.
From whatever I earned as a taxi driver, I managed to save Rs. 30,000. Using that, I took up a three-wheeler loan from Mahindra Finance to buy an Alfa Load. And thanks to them, I am a proud owner of a vehicle. Since then, my earnings have considerably increased and so has my respect in the society. Today, I feel much more confident about myself and I am now looking forward to buying a second vehicle as soon as the loan for the first one is over.
I am grateful to Mahindra Finance for helping me 'Rise' in my own country."

Mohammad Basheer

Mohammad Basheer

Hyderabad

"I started working at the age of 10 at a garage and grew up working there as a mechanic. Then one day, a Bajaj 3-Wheeler came in for repair. I decided to buy it. So I arranged for the money from my relatives and the savings I already had. I used the vehicle for around six to seven years, but since it was old, I kept losing a lot of money in its maintenance. I then sold it back and started working as a driver for some time.
When Mahindra Finance came up with the 100% financing option, I could see the opportunity there. With the three-wheeler loan, I bought the new Alfa with a down payment of just Rs. 13,000. Today, my hard work, with support from Mahindra Finance, has paid off and I'm earning enough to pay off my EMI of Rs. 6,500.
And even though I wanted to expand my business, the problem is that there aren't enough drivers easily available. Mahindra Finance has turned all of them into successful businessmen!"

Ram Prajapat

Ram Prajapat

Sanganer

"My wife and kids always used to complain to me that other relatives have a car, and we don't. However, being an ordinary petrol attendant with a modest income, I had to admit that buying a car was next to impossible. But I couldn't bear to see the disappointment in their eyes.
So I enquired about cars at Maruti, and if they could guide me with a car loan scheme. But I always had this fear that my income and the available documents would never be sufficient to fetch me a loan. However, the dealer introduced me to Mahindra Finance. MMFSL not only gave me a loan, but also provided it for a longer tenure of five years with an option to pay in cash.
I decided to go for the loan and bought a Maruti 800. Since then, I've been going out with my family on holidays and taking our car to social events like marriages, Diwali celebrations, etc.
Today, I am very happy because my family is happy. After all, we can now enjoy the pleasure of having a car, just like others – all thanks to Mahindra Finance for helping me fulfil my family's wishes!"

Krishna

Krishna

Jhajjar

"I was an ordinary labourer working in a brick manufacturing plant. But I always wanted to start my own business of transporting goods. However, the major obstacle was getting finance to buy a tractor.
I approached various banks and other financial institutions and was informed that they do not offer refinance as a product. This is where Mahindra Finance came in and offered me a tractor loan without any hassles. Today, I'm my own boss and earning a respectable income. To be honest, Mahindra Finance has totally changed my life! In short, Mahindra Finance ne mujhe majdoor se malik bana diya."

Bhavinbhai Gadhiya

Bhavinbhai Gadhiya

Rajkot

"For as long as I can remember, I have always wanted to buy a house of my own. But given my situation, nobody was willing to trust me with a loan. At that time, I had a small fabrication workshop and my annual income was just 1.5 lakh rupees. That is when a friend introduced me to Mahindra Finance. After verification, I was immediately granted a loan of 4 lakh rupees. And the entire process happened in a totally quick and hassle-free manner.
I am really very grateful to Mahindra Finance. I feel it is because of them that today, I am a proud owner of a house. This house has been really lucky for me. My business is doing very well. I have also been repaying the loan without stress since my income has gone up. And all this wouldn't have been possible without the timely help from Mahindra Finance."

Yogesh Kaushal

Yogesh Kaushal

Dewas

"I used to stay in a rented house but had a great piece of land where I always dreamt of building a nice little house. But I had no money. So I approached MRHFL and they immediately sanctioned a loan to help me build my home. The new house has brought immense joy to my family. My wife and kids are extremely happy and proud of me."

Miratun Nessa Bibi

Miratun Nessa Bibi

Barasa

"My husband had bought a Maruti Alto through Mahindra Finance. At that time, the staff informed us about the Mahindra Loan Suraksha product which promised to take care of the loan, in case something happened to my husband.
Being the only earning member in the family, he decided that we should opt for this cover. A year later, life took us by surprise when my husband passed away. We were all in deep shock. With three children to look after, I was in no position to repay the loan. I had no clue know what to do. Thankfully, Mahindra Finance stepped in at that time and helped us settle the Mahindra Loan Suraksha claim. They took care of everything and the entire loan was waived off. I am really thankful to Mahindra Finance for all their support."

Sharad Patel

Sharad Patel

Nashik

"I took a personal loan from Mahindra Finance as I wanted to renovate my house. The rate of interest being offered to me was very low. So I took it, and I found the loan process to be smooth and quick. The entire house renovation process was hassle-free, and I owe a lot to Mahindra Finance."

S. Subhash

S. Subhash

Nagercoil

"I have been a Mahindra Finance customer for the last six years and I am very happy with their service. I first went to them in 2004 when I wanted to buy a Mahindra tractor for my two-acre land, on which I cultivate paddy. The local dealer transferred my loan proposal to Mahindra Finance.
Immediately, their representatives visited me for verification and to my surprise, the loan was granted quite promptly. Then later when I had to avail four new tractor loans, I couldn't think of anybody else other than Mahindra Finance. Since my experience with them has been so positive, I have recommended Mahindra Finance to several acquaintances in my area. I am very happy and proud to be a Mahindra Finance customer."

Jaswant Singh

Jaswant Singh

Lucknow

"Mahindra Finance is not just a financer, but has emerged as a support system for me. I have refinanced three vehicles with the help of Mahindra Finance and expanded my business as well. Today, I am considered as an opinion leader amongst my friends and have also recommended Mahindra Finance to other local transporters."

Salemamad Ibrahim Node

Salemamad Ibrahim Node

Bhuj

"I have a small business dealing in cattle feed. Before I approached Mahindra Finance, I used to purchase cattle feed from farmers and transport it via a three wheeler to a cattle camp, where I would sell the entire stock. It would earn me around Rs 7,000 – Rs 8,000, at that time.
Then I purchased a Bolero Pickup which was financed by Mahindra Finance. I must say, I got the loan very quickly, without any hassles. Since then, I have taken a top-up loan on the same vehicle along with a personal loan. My life has changed completely and my business has grown significantly. I now earn around Rs 20,000 – Rs 22,000 per month. My children go to good schools – something which I was not able to afford earlier. I have even purchased a plot, and all this has been possible only due to the support of Mahindra Finance. I am extremely grateful to them."

Rekha Arjun Wagh

Rekha Arjun Wagh

Nashik

"I chose Mahindra Finance because I was attracted by the interest rates they were providing. I have compared Mahindra Finance to other finance companies, and found the staff completely professional and co-operative. They offer loans according to the need of the customer with low interest rates. Their representatives are in touch with me every month and remind me about their scheme updates and interest paying dates."

Mr. Sarjeet Bhardwaj

Mr. Sarjeet Bhardwaj

Bhiwandi

“I am an undergraduate, living in my own flat at Bhiwandi and have a business of manufacturing and servicing corrugated box maker machines - M/s Sarjeet Industries. It is a proprietorship constitution registered since 2011. My father has provided me with excellent knowledge about this business. He is in the same business in Delhi for more than 30 years now. I have my own industry premises in Bhiwandi Industrial Area Chopanki.
Earlier, I had to outsource my work. The demand was high but the stock was less. I was unable to meet client requirements. I couldn’t deliver the machine on time as per the requirement. Also, my office, as well as residential premises, were rented. I also required gensets for doing all the work in the house as a backup for electricity cut issue.
After acquiring the loan, I could purchase the latest machines and gensets that help in delivery of the machines. The TO went up to 3 Crores from 30 Lakhs. My business expanded. My sales and margins were improved by adding machines and in turn, lesser remuneration was paid to the employees.
I further plan to expand my business to other regions of Rajasthan and Haryana. I also plan to enhance the capacity of machinery set up. A lot has changed since I’ve taken my first loan. However, I would always go for the two words - Mahindra Finance!

Mr. Rajesh Bajaj

Mr. Rajesh Bajaj

Hansi

“I am in the business of manufacturing and trading of wholesale & retail of all types of sweets and dairy products - cheese, butter, cream, curd, mawa and desi ghee. I live in my parental village home at Hansi with my father, mother, wife and two kids. My shop, M/s Bajaj Caterers is situated near Malik Hospital in Hansi. I am running this shop on rented premises for the past 12 years. I will be acquiring godowns to keep my stock properly. My father has his chole bhature joint for over 40 years and he has given me all the knowledge that I require for business. I learnt about manufacturing and trading from my father when I was 10.
Before taking the loan, we used manual techniques to make sweets and other items - paneer, butter, etc for many years. I was dependent on my labourers. Also, I wasn’t equipped and I could not meet the new demands of the clients on time. I was equipped with good knowledge but sadly not with the latest technology that would offer my clients variety of sweets which in turn would help me to beat the competition. I believe decoration and hygiene are the most important in this business - I lacked those too. After meeting the portfolio manager, I expressed interest in buying new machines of the latest technology to make sweets.
My purpose of taking the loan was to add stock in my retail counter shop to be used in daily routine and also for the regular marriage business in Hisar and nearby villages. Besides, I required funds
- to enhance the interior design - 5 lakhs.
- for raw materials like ghee, maida, etc - 7-8 lakhs.
- to buy machines for making sweets, paneer, butter
After Mahindra Finance came into the picture, all my challenges were solved - latest machines were purchased, decoration and interiors of the shop were done, we set up modern technology that reduced the dependency on the employees. Above all, my sales of sweets improved, new clients were attracted that overcame the competition. My life got simpler! Not to forget, my earning capacity enhanced. Adding machines improved sales and margins. My area of business expanded to nearby regions and I could pay less remuneration to my employees.
I have started supplying raw material and goods too. My future aspirations are to expand my business to other regions of Haryana. I also plan to take-up a new godown. I further plan to add 3 more machines - increasing equipments.
A lot has changed since I took my first loan from any company in my life but I still advise the same two words – “Mahindra Finance” to my family members & friends.”

Mr. Gulshan Nanda

Mr. Gulshan Nanda

Haryana

“My wife and I run a retail cosmetics and general store in the name of 'A to Z Women Store'. It has both branded as well as local items. There are items available for adults and kids undergarments. The store is inclusive of popular brands like - Jockey, Kalyani, Nike, Body care and Daisydee. I am a 39-year-old matriculate. My wife, Nisha Gaba is 34-years-old and is a BA passed. My wife is a co-applicant in the loan structure and runs the shop for the past 4 years. As my family and I have a good reputation, I have been the MC of this city continuously for the past 25 years. I reside in my own house with my wife and 3 daughters who study in a reputed school in the city. Side-by-side, we’ve also set up a catering business.
I’ve invested my own capital in this retail business. I maintain more than 100 variety of products. Their approx value is 10-12 lakhs. Apart from this, I’ve 4 more properties of plots in the city with good market value.
There came a time when I wanted to expand my business but didn’t have enough funds. The demands of the clients increased but I couldn’t meet them. I got drowned in competition as I didn’t have enough branded stock. I wanted to expand my business. Thus, it was time to opt for a loan and take my business to the next level.
I wanted to invest in the following as mentioned below:
Undergarments of ladies, gents, kids - 1-1.50 lakhs
Cosmetic items like shampoos, conditioners, creams, deo, etc - 4-5 lakhs
10 Counter Stalls - 4 lakhs
10 Food Stalls - 4 lakhs
1 Coffee Hut - 2.5 lakhs
1 Fruit Counter - 3.5 lakhs
1 Bear Bar Counter - 2 lakhs
1 DJ setup - 4.5 lakhs
Catering business for marriages, birthday parties and functions. - 6-7 lakhs
I also wanted to invest in artificial jewelry like - rings, bangles, earrings, etc. To meet all these needs, Mahindra Finance came into the picture and funded me in the form of a secured business loan. With that, I experienced improved sales in my business - from 36 lakhs approx - 45 lakhs p.a. (in both the businesses - cosmetics and catering). I got rid of the rented shop, bought my own shop and stocked it up. I added furniture and fixtures as per the latest trends. I attracted new clients - thus, rising above the competition.
My earnings have considerably increased and so has my respect in the society. Today, I feel much more confident about myself. My future plans include to take a top-up and increase my reach to other regions of Haryana in cosmetic business, from retail to wholesale. I am grateful to Mahindra Finance for helping me rise in my own area.”

Mr. Anil Yadav

Mr. Anil Yadav

Gurgaon

“I am a graduate and live in my own house in Gurgaon with my wife, parents and 2 children. Initially, I had a partnership firm that I started in 2010 - SD Engineering with Mr. Tajindar Singh. However, we had to shut it down in February 2014 due to some disputes.
Soon, I started my own proprietorship firm - Dagar Auto Components. We deal in auto ancillary tier 2 vendors of Maruti and Hero. I took over the assets of the earlier firm and put them in this firm. I have my own factory in Bhiwandi which is funded by Mahindra Finance. At first, I was outsourcing work, but I wasn’t able to meet the work expectations of the client. This was also because I didn’t have the required material and machinery.
Thus, I needed a loan and I approached Mahindra Finance. In 2014, they funded me 2 CNC. Earlier, my TO was approx 30 Lakhs. Taking a loan has helped me a lot - I have 21 latest machines and can meet the demands of my existing clients. I have overcome competition in the market and my sales and margins have improved. My business is expanded to nearby regions.
My future plans include adding a forging plan and also to expand business in terms of client and machinery. A lot has changed for better since I took my first loan. I always refer Mahindra Finance to my family and friends!"

संपर्कात रहाण्यासाठी

महिन्द्रा अँड महिन्द्रा फायनान्शियल सर्व्हिसेस लिमिटेड
चौथा मजला, महिन्द्रा टॉवर्स,
डॉ.जी.एम. भोसले मार्ग,
पी.के. कुर्णे चौक, वरळी,
मुंबई 400 018.

इमेल पत्ता: [email protected]

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1800 233 1234 (सोम – शनि, सकाळी 8 ते रात्री 8 पर्यंत)

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Principal: 75 %
Interest Payable: 25 %

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