Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding a press release dated July 22, 2025, titled "Financial Results Quarter 1 FY26, Standalone & Consolidated Results".
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Mahindra Finance reported a modest 3% YoY growth in standalone PAT at ₹530 crore for Q1 FY26, as a sharp 47% jump in credit costs (to ₹660 crore) weighed on the bottom line. The loan book grew a healthy 15% YoY to ₹1,22,008 crore, while disbursements were almost flat at ₹12,808 crore (up 1% YoY). Total income rose 18% to ₹4,438 crore and net interest income grew 18% to ₹2,285 crore, with NIM improving slightly to 6.7%. Asset quality remained within guided range (GS3 at 3.8%), capital adequacy was strong at 20.6%, and the liquidity buffer stood at over ₹10,100 crore. On the consolidated side, PAT grew 6% to ₹529 crore, while subsidiaries showed mixed performance — MRHFL turned profitable and Sri Lanka-based MIFL posted strong loan growth of 86%.
Operating performance is steady with solid loan book growth and improving NIM, but rising credit costs are clearly pressuring profitability, pushing ROA down from 1.8% to 1.6%. Watch the credit cost trend in coming quarters, as that will determine whether the profit growth picks up despite the larger book.