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Profit before tax was at Rs 1,161.34 crore in Q4 FY26, up 53.68% from Rs 755.66 crore posted in Q4 FY25.
Net interest margin (NIM) in Q4 FY26 stood at Rs 2,739 crore, up 27% YoY. The NIM margin was at 7.5% in Q4 FY26, compared with 6.5% for Q4 FY25.
Disbursement during the quarter was at Rs 17,184 crore, registering a growth of 11% YoY. The collection efficiency improved to 98% in Q4 FY26 as against 97% in Q4 FY25, driven by renewed momentum in collection on account of new stack adoption, digital workflows, data-led prioritization, and sharper focus on early delinquencies.
The company’s capital adequacy remained healthy at 18.8%, with Tier-1 capital at 16.7%. Provision coverage on GS3 stood at 59%, supported by the creation of management overlays. The total liquidity buffer remained comfortable at over Rs 9,100 crore.
Asset quality improved both sequentially and on a YoY basis, with Stage 3 assets at 3.4% and Stage 2 assets at 4.8%, indicating gradual portfolio normalization and better slippage control.
Quarterly disbursements remained healthy at Rs 17,184 crore, registering 11% YoY growth amid geopolitical headwinds, while demand momentum remained positive following GST rate cuts.
Tractor disbursements grew 63% YoY during the quarter, driven by the company’s focus on profitable growth. Business assets grew 12% YoY to Rs 134,096 crore, led by tractors, passenger vehicles (PVs), and MSME-led secured lending products.
On a consolidated basis, profit after tax (PAT) stood at Rs 940 crore for the quarter, as against Rs 456 crore in the year-ago period. Total income increased by 14% to Rs 5,560 crore for the quarter ended March 31, 2026, compared with Rs 4,897 crore in the corresponding quarter last year.
Raul Rebello, MD & CEO, Mahindra Finance said: 'This year’s progress across growth, margins, and risk was driven by disciplined execution and resulted in a tangible step-up in profitability. Continued investments in our core vehicle franchise, new growth categories, and technology will support sustainable growth and profitability.'
Mahindra & Mahindra Financial Services Ltd (Mahindra Finance) has recommended a dividend of Rs 7.50 per equity share of face value Rs 2 each (375%) for the financial year ended 31 March 2026.
The dividend, if approved by shareholders at the annual general meeting (AGM) scheduled for Tuesday, 21 July 2026, will be paid thereafter through permitted modes to eligible shareholders or their authorized mandates.
Mahindra & Mahindra Financial Services (Mahindra Finance), part of the Mahindra Group, is one of India’s leading non-banking finance companies. Focused on the rural and semi-urban sector, the company has over 12 million customers. The company is a leading vehicle and tractor financier, provides loans to SMEs, and also offers fixed deposits. The company has 1,348 offices and reaches out to customers spread over 518,000 villages and 8,000 towns across the country, transforming more than 1.2 crore lives.
One 97 Communications Ltd, Mahindra & Mahindra Financial Services Ltd, Usha Martin Ltd, Shyam Metalics & Energy Ltd are among the other stocks to see a surge in volumes on NSE today, 27 April 2026.
India Cements Ltd recorded volume of 225.65 lakh shares by 14:14 IST on NSE, a 113.66 times surge over two-week average daily volume of 1.99 lakh shares. The stock gained 9.20% to Rs.445.20. Volumes stood at 2.3 lakh shares in the last session.
One 97 Communications Ltd notched up volume of 186.88 lakh shares by 14:14 IST on NSE, a 12.5 fold spurt over two-week average daily volume of 14.94 lakh shares. The stock slipped 2.91% to Rs.1,114.00. Volumes stood at 12.42 lakh shares in the last session.
Mahindra & Mahindra Financial Services Ltd notched up volume of 281.07 lakh shares by 14:14 IST on NSE, a 11.94 fold spurt over two-week average daily volume of 23.54 lakh shares. The stock rose 8.05% to Rs.318.10. Volumes stood at 16.63 lakh shares in the last session.
Usha Martin Ltd notched up volume of 35.62 lakh shares by 14:14 IST on NSE, a 10.24 fold spurt over two-week average daily volume of 3.48 lakh shares. The stock rose 4.08% to Rs.462.10. Volumes stood at 11.78 lakh shares in the last session.
Shyam Metalics & Energy Ltd recorded volume of 24.55 lakh shares by 14:14 IST on NSE, a 6.03 times surge over two-week average daily volume of 4.07 lakh shares. The stock gained 7.74% to Rs.884.20. Volumes stood at 5.21 lakh shares in the last session.
Total income increased by 13.30% year on year to Rs 4,810.07 crore in the quarter ended 31 March 2026.
The company’s capital adequacy remained healthy at 18.8%, with Tier-1 capital at 16.7%. Provision coverage on GS3 stood at 59%, supported by creation of management overlays. The total liquidity buffer remained comfortable at over Rs 9,100 crore.
Tractor disbursements grew 63% YoY during the quarter, driven by the company’s focus on profitable growth. Business assets grew 12% YoY to Rs 1,34,096 crore, led by tractors, passenger vehicles (PVs), and MSME-led secured lending products.
Raul Rebello, MD & CEO, Mahindra Finance said: 'This year’s progress across growth, margins and risk was driven by disciplined execution and resulted in a tangible step-up in profitability. Continued investments in our core vehicle franchise, new growth categories, and technology will support sustainable growth and profitability”.
The dividend, if approved by shareholders at the annual general meeting (AGM) scheduled for Tuesday, 21 July 2026, will be paid thereafter through permitted modes to eligible shareholders or their authorised mandates.
Mahindra & Mahindra Financial Services (Mahindra Finance), part of the Mahindra Group, is one of India’s leading non-banking finance companies. Focused on the rural and semi-urban sector, the Company has over 12 million customers. The Company is a leading vehicle and tractor financier, provides loans to SMEs and also offers fixed deposits. The Company has 1,348 offices and reaches out to customers spread over 5,18,000 villages and 8,000 towns across the country, transformed more than 1.2 crore lives.
The scrip shed 0.88% to end at Rs 294.30 on the BSE.
For the full year,net profit rose 26.20% to Rs 2854.53 crore in the year ended March 2026 as against Rs 2261.87 crore during the previous year ended March 2025. Sales rose 13.77% to Rs 21005.37 crore in the year ended March 2026 as against Rs 18463.10 crore during the previous year ended March 2025.
Commercial paper (Rs 17,000 crore) - CRISIL A1+ Commercial paper (Rs 20,000 crore) - IND A1+