Mahindra finance Introduction,swot, STP, Competitor analysis, 4 P's, CSR activities, Products and their comparison, Price, Place, And ways of promoting their Product

1. Group 8
Kunal Mittal, Abhishak Sharma, Yash Shrivastava, Nikhil Agrawal, Ashish
Jangid

2. An Introduction
• Mahindra & Mahindra Financial Services Limited Is a Rural NBFC
• Headquartered in Mumbai, India
• Amongst Top Tractor Financer
• Offer a wide range of financial Products to cater different Customer
Requirements
• Founded In 1991
• Key People: Ramesh Iyer Vice chairman & President of Mahindra
• 4.7 million Customers till date
• 1000+ Offices 1 in Every 3 villages across India

3. Vision & Mission Statements

4. Vehicle Financing
• Auto and utility
vehicles,
tractors, cars,
commercial
vehicles and
construction
equipment.
SME Financing
• Loans for Varied
Purposes Like
Project finance,
Equipment
Finance and
Working Capital
Finance
Housing Finance
• Financing Rural
and Semi
Urban
Population to
build Pukka
Houses
• I am India- huts
to Homes
Insurance
Broking
• Insurance
solution to
retail
customers as
well as
Corporations
Mutual Fund
Description
• Advises clients on
investing money
through AMFI
certified
professionals
under the brand
Mahindra Finance
Finsmart
Fixed Deposit
• MMFSL Fixed
Deposit has
CRISIL rating of
FAAA Ensuring
High level of
Safety

5. Competitive Analysis
Companies Customer Touch Points Employees Revenue
MMFSL* 1000+ Offices 17,856 49530 Cr INR
TATA Capital 100 Branches 3407 576.4 Cr INR
Bajaj Finserv 1400 Locations 20000 71.5 Cr USD
Chola 885 Branches 6786 47700 Cr INR
Hero Fincorp 2400+ Offices 3700+ 1332.70 Cr INR

6. Price Structure
•Vehicle loan at 9%
•SME loan is at 8.5%
•Personal Loan is at 12%
•Home Loan at 10%

7. Strengths
•1. Mahindra Finance have more than 1000 Touch Points
across India.
•2. Have Successfully Strengthened itself at Rural Front
•3. Leading NBFC
•4. Fixed Deposit is Crisil FAAA rated
•5. I am India- Huts to Homes and other CSR Activities
•6. Custom made loans with structured repayment
pattern suitable to its borrowers
Weaknesses
1. Farming is a seasonal Business- Long term Loans-
Difficult to recover
2. High Amount Of non Performing Loans- Because of
Delayed payments
3. Difficult to Convince farmers or rural population
4. Lengthy Process and involves Documentation and paper
work- Farmers are Illiterate- So trust factor suffers
5. Language barrier
Opportunities
1. Rural India is a Blue Ocean- Need to be Explored
2. Locals can be involved to facilitate rural Transactions
better
3. NBFC’s Market share Growing
4. A Recognized Brand
5. They have their own Mahindra Automobile Offering So
can offer loan accompanying Tractors
Threats
1. Threat of Unrecoverable Loans
2. Threat Of new entrants Or Foreign NBFC’s
3. Sometimes difficult to face rural Population
4. Competitive Landscape has become Tougher
SWOT

8. Segmenting Targeting And positioning
Segmentation
Rural
Farmers
Small
Businesses
Aspirational
Rurban
Farmers
Small
Businesses
Aspirational
Semi Urban
Farmers
Small
Businesses
Aspirational

9. # Mein Mauka Huin
Vehicle Financing- Tractors (Bharat ko Pehchante hain hum)
Building a Strong Association with those Interested to rise above their lifestyle or change their Life
By clearly Giving a person an Identity of Mauka and mujhe Mahindra Finance ne Pehchana
Based On True Stories

10. # Mein Mauka Huin
Utility Vehicle Financing(Bharat Ko Pehchante Hain Hum)
Building a Strong Association with those Interested to rise above their lifestyle or change their Life
By clearly Giving a person an Identity of Mauka and mujhe Mahindra Finance ne Pehchana
Based On True Stories

11. Tractors loan Campaign
Kamaane ki Shamta
Active Promotion By Mahindra Finance in Food &
Agri Processing Exhibitions

12. • Can Get More Localised with rural public
• Locals can be recruited for building a strong connect with rural India
• Can make use of Hart Mela’s exhibition for customer awareness
• Farmers need to be educated about how they can best put it to use
• Things can be more crystallised to reduce the fear factor
• Proper analysis of consumer Lens, Competitor lens, Category lens,
Culture Lens
• Making them aware of different Finance Plans
• A Point of Contact can be given to Rural Customer to contact.