కస్టమర్ మాట్లాడండి

నేను 5 సంవత్సరాల నుండి మహీంద్రా ఫైనాన్స్‌తో సంబంధం కలిగి ఉన్నాను. నేను మొదట మహీంద్రా ఫైనాన్స్ నుండి రుణం తీసుకున్నాను. 2013 లో బ్యాంకులతో పోలిస్తే నాకు చాలా సౌకర్యంగా మారింది. తక్కువ డాక్యుమెంటేషన్ మరియు పంపిణీ చాలా వేగంగా ఉంటుంది. నేను సమయానికి EMI చెల్లించడంలో విఫలమై- నప్పటికీ, వారు EMI ని సేకరించడానికి మా స్థలాన్ని సందర్శించడానికి ఒక ఎగ్జిక్యూటివ్‌ను పంపుతారు. సిబ్బంది వ్యవహరించడానికి స్నేహపూర్వకంగా ఉంటారు. వీటన్నిటి కారణంగా, నేను 2016 లో మళ్ళీ రుణం తీసుకున్నాను. నేను తీసుకున్న రెండు రుణాలను నేను తిరిగి చెల్లించాను మరియు ఇప్పుడు నేను వారి నుండి మూడవదాన్ని తీసుకోవాలని ఆలోచిస్తున్నాను

"మహీంద్రా ఫైనాన్స్ యొక్క ఉత్పత్తి & సేవలతో పూర్తిగా సంతృప్తి చెందాను. నేను ముందు యాజమాన్యంలోని వాగన్ఆర్ కోసం రుణం తీసుకోవటానికి ఎంపికల కోసం చూస్తున్నాను. మహీంద్రా ఫైనాన్స్ గురించి ఒక పరిచయస్తుడి నుండి తెలుసుకున్నాను. మహీంద్రా ఫైనాన్స్ స్పష్టంగా మరింత సాధ్యమయ్యే ఎంపిక ఆర్థికంగా నేను దానితో ముందుకు సాగాను. మహీంద్రా ఫైనాన్స్ అందించే ఉత్పత్తులు మరియు సేవా నాణ్యతతో నేను పూర్తిగా సంతృప్తి చెందుతున్నాను. నాకు ఇంకా రుణ అవసరాలు ఉంటే, నేను ఖచ్చితంగా మహీంద్రా ఫైనాన్స్‌తో వెళ్తాను"

"మహీంద్రా ఫైనాన్స్ నుండి ఇప్పటి వరకు 4 వాహనాలకు ఫైనాన్స్. సేవలు చాలా బాగున్నాయి. ఎక్కడికీ వెళ్లవలసిన అవసరం లేదు, ఇఎంఐలను సేకరించడానికి అధికారులు మా స్థలానికి వస్తారు. సమయానికి ఎన్‌ఓసి అందుకున్నారు. వడ్డీ రేటు కూడా చాలా బాగుంది. భవిష్యత్తులో మహీంద్రా ఫైనాన్స్‌కు ప్రాధాన్యత ఇస్తుంది అలాగే ఏదైనా వాహన రుణం కోసం"

"I have been associated with MF since 2 years now. MF was suggested to me by my relative. Compared to others the interest rate of MF is the lower. I am very happy with the staff of MF. Once there was an emergency in my family and I could not pay an EMI, I informed this to them and there was no issue raised by the staff. Even if I am late in paying an EMI, their friendly staff comes home for collection."

"నా కారు కొనుగోలు కోసం నేను 2.5 సంవత్సరాల క్రితం మహీంద్రా ఫైనాన్స్ నుండి రుణం తీసుకున్నాను. రుణ పంపిణీదారుల ప్రక్రియ చాలా వేగంగా ఉంది. పంపిణీకి 3 రోజులు మాత్రమే పట్టింది. బ్రాంచ్‌లో అనుభవం ఆహ్లాదకరంగా ఉంది, నాకు లేదు EMI చెల్లింపు కోసం వేచి ఉండటానికి, ఇది నాకు సమయం మరియు ఇబ్బందిని ఆదా చేస్తుంది. MF తో మొత్తం అనుభవంతో నేను సంతోషంగా ఉన్నాను."

"నా వ్యాపారం కోసం జెన్‌సెట్ కోసం 2-3 సంవత్సరాల క్రితం మహీంద్రా ఫైనాన్స్ నుండి రుణం తీసుకున్నాను. మహీంద్రా ఫైనాన్స్ నుండి తీసుకున్న మూడవ ఎల్ లోన్ ఇది. Of ణం యొక్క ప్రాసెసింగ్ ఎంత సులభమో నాకు ఇష్టం. పంపిణీ చాలా వేగంగా ఉంటుంది. వారు నాకు అనుకూలంగా పనిచేసే ఆకట్టుకునే బ్రాంచ్ నెట్‌వర్క్‌ను కలిగి ఉన్నారు. నేనుబీహార్ నుండి రుణం పొందాను మరియు ఇప్పుడు నేను సౌకర్యవంతంగా ఉన్న ఢిల్లీ బ్రాంచ్‌లో EMI లను చెల్లిస్తున్నాను."

"నేను సురేష్, నేను వ్యవసాయ కుటుంబానికి చెందినవాడిని. నా స్వంత ట్రావెల్స్ బసిన్ నెస్ ప్రారంభించాలని అనుకున్నప్పుడు నేను నిస్సహాయంగా ఉన్నాను. మహీంద్రా టూరిస్టర్ కొన్న అవసరమైన రుణం ఇవ్వడం ద్వారా మహీంద్రా ఫైనాన్స్ నాకు మద్దతు ఇచ్చింది. ట్రావెల్స్ వ్యాపారం ప్రారంభమైనప్పుడు, నేను కూడా నా కుటుంబం యొక్క వ్యవసాయ వ్యాపారంపై దృష్టి పెట్టాలనుకుంటున్నాను. నా వాయిదాల చెల్లింపులతో నేను ప్రాంప్ట్ చేయబడ్డాను, ఈ కారణంగా మహీంద్రా ఫైనాన్స్ నాకు ట్రాక్టర్ కొనడానికి మరొక రుణం ఇచ్చింది. ఏదైనా రుణ అవసరాల కోసం నేను మహీంద్రా ఫైనాన్స్‌ను నా బంధువులకు మరియు బంధువులకు సిఫారసు చేసాను. మహీంద్రా ఫైనాన్స్ సహకారంతో, నా ప్రయాణాలు మరియు వ్యవసాయ వ్యాపారాలు రెండూ చాలా మెరుగుపడ్డాయి."

"నేను వ్యవసాయ నేపథ్యం నుండి వచ్చాను; ట్రాక్టర్ కొనాలనే నా ఆలోచనను నా స్నేహితుడితో పంచుకున్నాను. అతను, మహీంద్రా ఫైనాన్స్ యొక్క ప్రస్తుత కస్టమర్ కావడంతో, నన్ను ట్రాక్టర్ loan ణం కోసం కంపెనీకి సూచించాడు. బృందం వెంటనే రుణ మొత్తాన్ని పంపిణీ చేసింది మరియు నేను ఒక వారంలోనే నా ట్రాక్టర్ వచ్చింది. ట్రాక్టర్ సహాయంతో నా ఆదాయ స్థాయి మెరుగుపడింది. నా తిరిగి చెల్లించడంలో సత్వరతను నిర్ధారిస్తాను. రాబోయే సంవత్సరంలో మరో ట్రాక్టర్‌ను కూడా కొనాలని ఆలోచిస్తున్నాను మరియు నేను ఖచ్చితంగా మహీంద్రా ఫైనాన్స్‌కు ప్రాధాన్యత ఇస్తాను. "

"నేను నెలవారీ జీతం మరియు తక్కువ సంపాదనతో డ్రైవర్‌గా ఉండేవాడిని. నేను ఎప్పుడూ వెహి ఐకిల్ కలిగి ఉండాలని కలలు కన్నాను మరియు మహీంద్రా ఫైనాన్స్ సహకారంతో ఆ కల నెరవేరింది. నేను హ్యుందాయ్ ఇయాన్ కొనుగోలు చేసి యజమానిగా నా జీవితాన్ని ప్రారంభించగలిగాను. కమ్ డ్రైవర్ మరియు నా ఆదాయం ఇప్పుడు మెరుగుపడింది. నా వాయిదాలను తిరిగి చెల్లించమని నేను ప్రాంప్ట్ చేసాను మరియు మంచి పేరుతో ఒప్పందాన్ని ముగించాను, నా వాహనంపై ముందస్తుగా ఆమోదించబడిన loan ణం కోసం నేను కూడా అర్హుడిని. "

"నేను కుట్టియాడి పట్టణంలో ఒక దుకాణం నడుపుతున్నాను మరియు మంచి కుటుంబ నేపథ్యం కలిగి ఉన్నాను. నేను ఎప్పుడూ ఇంటిని సొంతం చేసుకోవాలని కలలు కన్నాను, కాని ఆర్థిక సంక్షోభం మరియు ఇతర పరిస్థితుల కారణంగా, నా కల నెరవేర్చడానికి తగినంత డబ్బు ఆదా చేయలేకపోయాను. కాని. నా సంక్షోభ కాలంలో మహీంద్రా ఫైనాన్స్ నా రక్షణకు వచ్చింది మరియు నా ప్రస్తుత వాహనం మారుతి సుజుకి డిజైర్ విడిపై టాప్ అప్ loan ణం ఇచ్చింది, దానితో నేను నా ఇంటిని నిర్మించగలిగాను మరియు కలను నెరవేర్చగలిగాను. "

"నేను 2014 వరకు నాడువన్నూర్లో టాక్సీ డ్రైవర్ కమ్ యజమానిని. మహీంద్రా ఫైనాన్స్ ఫీడ్ చేసిన రుణం తో నేను చేవ్రొలెట్ తవేరాను కొనుగోలు చేసాను. కుటుంబ పెద్ద తోబుట్టువు కావడంతో సోదరీమణులను వివాహం చేసుకోవలసిన బాధ్యత నాపై ఉంది. నేను డబ్బు నుండి వెతుకుతున్నప్పుడు మహీంద్రా ఫైనాన్స్ నా వాహనంపై రుణం ఇచ్చినప్పుడు మూలాల్లో ఎవరూ సహాయం చేయలేదు. నా సోదరి నిశ్చితార్థాన్ని మంచి మార్గంలో నిర్వహించగలిగాను. "

"ఇప్పటికే ఎఫ్ మహీంద్రా ఫైనాన్స్ కస్టమర్ అయిన నా తండ్రి ద్వారా మహీంద్రా ఫైనాన్స్‌కు పరిచయం అయ్యాను. నేను కేరళలో బాగా వ్యాపారం చేస్తున్నాను. కేరళలో వరదలు వచ్చిన తరువాత నా వ్యాపారం తగ్గిపోయింది మరియు నా తండ్రి రుణ పదవీకాలంలో వారు ఇచ్చిన ట్రస్ట్ మరియు సేవ ఆధారంగా నేను మహీంద్రా ఫైనాన్స్‌ను సంప్రదించినప్పుడు. నాకు 3 జనరేటర్లకు రుణం ఇవ్వబడింది మరియు ఈ సహాయంతో నా వ్యాపారం ప్రారంభమైంది మరియు మేము ఉత్పత్తులను అంతర్జాతీయ మార్కెట్‌కు ఎగుమతి చేస్తున్నాము. "

"నేను వడోదరలో ఉండి ఒక కంపెనీలో మెయింటెనెన్స్ మేనేజర్‌గా పనిచేస్తున్నాను. 2017 లో నేను మహీ ఇంద్ర ఫైనాన్స్ నుండి రుణం తీసుకున్నాను. రుణం చాలా వేగంగా మరియు సులభంగా పంపిణీ చేయబడింది. రుణ పదవీకాలంలో ఏదైనా సమస్య ఉంటే, సులభంగా మరియు వేగంగా పరిష్కారం సిబ్బందిచే అందించబడుతుంది. "

"నేను ఇప్పుడు 2 నుండి 3 సంవత్సరాల నుండి మహీంద్రా ఫైనాన్స్‌తో సంబంధం కలిగి ఉన్నాను. మహీంద్రా ఫైనాన్స్‌తో, నాకు 2-3 రోజుల్లో ఆమోదం లభించింది మరియు ఒక వారంలోనే పంపిణీ చేయబడింది. నాకు వ్యక్తిగతంగా పూర్తి మద్దతు లభించింది, ఇది రుణంతో వ్యవహరించడం సులభం చేస్తుంది నేను మహీంద్రా ఫైనాన్స్‌ను ఇతరులకు సిఫారసు చేసాను మరియు అలా కొనసాగిస్తాను."

"10-12 సంవత్సరాల నుండి మహీంద్రా ఫైనాన్స్‌తో సంబంధం కలిగి ఉంది. నా అనుభవం చాలా బాగుంది. నా పదవీకాలంలో ఒకసారి, వ్యక్తిగత కారణాల వల్ల నేను 2 నెలలు EMI ఇవ్వలేకపోయాను మరియు మహీంద్రా ఫైనాన్స్ వసతి కల్పించింది. నేను ఇప్పుడు రీఫైనాన్స్ పొందాలని ఆలోచిస్తున్నాను నా వాహనం కోసం, నేను దానిని మహీంద్రా ఫైనాన్స్ నుండి మాత్రమే పొందాలని ఆలోచిస్తున్నాను "

"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"

"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."

"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."

"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."

"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."

"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."

"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!"

"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!"

"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."

"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."

"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."

"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."

"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."

"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."

"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."

"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."

"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."

“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!

“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.”

“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.”

“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!"