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Annual Report 2012 13.Pdf 12 Annual Report 13 Mahindra & Mahindra Financial Services Limited ADAM SAAB JAGAT SINGH KARAMJIT SINGH Village - Manvi, Taluka - Manvi, Village - Jubbli, The Chopal, Village - Jeondan, Taluka - Rampura Phul, District - Raichur, Karnataka, District - Shimla, Himachal Pradesh, District - Bhatinda, Punjab, Pin code - 584 123 Pin code - 171 210 Pin code - 151 103 o ENVISION. ELEVATE. o EMPOWER. RAJENDRA KUMAR MEENA DADARAO BABARAO HOLGANDE NANDESWAR DAIMARY Village - Chatrapura, Village - Gondala, Post Office - Khudaj, Village - Nalbari, Post Office - Khanpura, Taluka - Sengaon, District - Hingoli, Post Office - Kacharison, District - Jhalawar, Rajasthan, Maharashtra, Pin code - 431 542 District - Sonitpur, Assam, Pin code - 326 038 Pin Code - 784 117 o MAHINDRA FINANCE o o CONTENTS o GROUP STRUCTURE 02 38 81 Mahindra 37 79 172 & Mahindra Limited CORPORATE STATUTORY FINANCIAL OVERVIEW REPORTS STATEMENTS 02 Corporate Information 38 Directors’ Report Standalone 03 Envision. Elevate. Empower 50 Report on Corporate Governance 81 Independent Auditors’ Report 04 Paving the Road to Rural 70 Management Discussion and 84 Balance Sheet Empowerment Analysis 85 Statement of Profit and Loss 06 Core Philosophy 86 Cash Flow Statement 08 Presence 88 Significant Accounting Policies and Mahindra & 12 Financial Highlights Notes Mahindra 16 Operational Highlights 127 Statement Pursuant to Section 212 Financial 20 Supporting Dreams with a Services Deadline Consolidated Limited 22 No Customer is Ever Remote 129 Independent Auditors’ Report (51.2%) 26 Thinking Inclusive. Driving 130 Balance Sheet Growth. 131 Statement of Profit and Loss 28 Delivering on Stakeholder 132 Cash Flow Statement Expectations 134 Significant Accounting Policies and 32 Being Socially Responsible Notes 36 Recognition for Our Initiatives 172 Details of Subsidiary Companies 37 Summary of Results Mahindra Mahindra Mahindra Mahindra Insurance Rural Housing Finance USA Business & Brokers Limited Finance LLC (49% Joint Consulting (85%) Limited (87.5%) Venture with Services Private This pdf has been kept interactive to help you easily RaboBank Limited (100%) access the information that you seek by clicking on the Group desired sections from the contents page. Subsidiary) Previous Page Contents Next Page CORPORATE OVERVIEW Previous Page Contents Next Page o CORPORATE o INFORMATION MAHINDRA FINANCE Directors Share Transfer and Shareholders/ Registrar and Share Transfer Agents Bharat Doshi - Chairman Investors Grievance Committee Karvy Computershare Pvt. Ltd. IS ALL ABOUT Uday Y. Phadke M.G. Bhide - Chairman Plot No. 17-24, Pawan Goenka Uday Y. Phadke Vittalrao Nagar, Madhapur, s Dhananjay Mungale Ramesh Iyer Hyderabad - 500 081. M. G. Bhide Asset Liability Committee ENVISIONING Piyush Mankad Bankers Dhananjay Mungale - Chairman Rama Bijapurkar Allahabad Bank Uday Y. Phadke Ramesh Iyer - Managing Director Bank of America ELEVATING Ramesh Iyer Bank of Baroda and Chief Financial Officer Bank of India Risk Management Committee V. Ravi Bank of Maharashtra Dhananjay Mungale - Chairman Barclays Bank PLC EMPOWERING Company Secretary M. G. Bhide Canara Bank Arnavaz M. Pardiwala Rama Bijapurkar Central Bank of India Registered Office Chinatrust Commercial Bank Nomination Committee Gateway Building, Citibank N.A. Piyush Mankad Apollo Bunder, Corporation Bank Bharat Doshi Mumbai - 400 001. Dena Bank Dhananjay Mungale Deutsche Bank AG Uday Y. Phadke Corporate Office Federal Bank Limited j M. G. Bhide Mahindra Towers, FirstRand Bank Limited 4th Floor, Dr. G M. Bhosale Marg, HDFC Bank Ltd Our vision is to help transform lives across semi-urban and rural India. To P. K. Kurne Chowk, Worli, Corporate Social Responsibility Committee HSBC Ltd Mumbai - 400 018. elevate people’s aspirations to the threshold of achievements. Piyush Mankad ICICI Bank Ltd And to empower people to live a life of self-reliance and dignity. Bharat Doshi IDBI Bank Ltd Committees of the Board Uday Y. Phadke Indian Bank Audit Committee In all these decades, we have travelled to remotest places and unique Ramesh Iyer Induslnd Bank Ltd Dhananjay Mungale - Chairman ING Vysya Bank Ltd cultures of India across 1,33,907 villages and 565 districts, spoken to Uday Y. Phadke Auditors Punjab National Bank people in their language and even their regional dialects and been a part B. K. Khare & Co. M. G. Bhide Standard Chartered Bank of their everyday lives. Chartered Accountants, Rama Bijapurkar State Bank of Bikaner and Jaipur 706/708, Sharda Chambers, Piyush Mankad State Bank of Hyderabad At Mahindra Finance, we share a special relationship with our 2.5 Million Mumbai - 400 020. Remuneration/Compensation State Bank of India customers. We help drive their aspirations. They, in turn drive our Committee State Bank of Patiala Solicitors business growth. A symbiotic relationship or sound business acumen. Piyush Mankad - Chairman Syndicate Bank Khaitan & Co. Bharat Doshi The Bank of Novascotia One Indiabulls Centre, 13th Floor, Customers represent our real assets and their worth is reflected in the Dhananjay Mungale The Jammu & Kashmir Bank Ltd 841, Senapati Bapat Marg, strength of our balance sheet and the sustainability of our business. Uday Y. Phadke The Royal Bank of Scotland Elphinstone Road, M. G. Bhide UCO Bank Mumbai - 400 013. Our mission is to drive inclusive growth in India, and we cherish the trust UBS AG United Bank of India of all our stakeholders. Yes Bank Ltd 2 3 Mahindra & Mahindra Financial Services Limited Annual Report 2012-13 CORPORATE OVERVIEW Previous Page Contents Next Page India’s rural % of the world’s population is 12 population* Paving the road to rural empowerment Across semi-urban and rural India, a new world of opportunity is emerging as people are aspiring for a better quality of life. Consistent economic growth has given rural India the capability and the confidence to surge ahead. At Mahindra Finance, we are helping drive this rural opportunity through EVENTFUL JOURNEY ACROSS DECADES % % our products and services. We value rural aspirations, 19.2 % j 6.2 % 17.25 strengthen relationships of trust with customers and evolve 4.7 a viable business model focused on their needs. Our vision OUR JOURNEY STARTED ON JANUARY 1, 1991, and initiatives drive positive change in people’s lives and help AS MAXI MOTORS FINANCIAL SERVICES LIMITED. WE RECEIVED THE CERTIFICATE OF accelerate India’s inclusive growth. We are well on our way to COMMENCEMENT OF BUSINESS ON FEBRUARY help empower rural India. 19, 1991. ON NOVEMBER 3, 1992, OUR NAME Mahindra & Mahindra Financial Services Limited (Mahindra WAS CHANGED TO MAHINDRA & MAHINDRA FINANCIAL SERVICES LIMITED. WE ARE Finance), a subsidiary of Mahindra & Mahindra Limited, is one REGISTERED WITH THE RESERVE BANK OF GROWTH OF GROSS ANNUAL PER CAPITA of India’s leading Non Banking Financial Companies (NBFCs). INDIA AS AN ASSET FINANCE, DOMESTIC PRODUCT# CONSUMPTION GROWTH# Since inception, we are functioning as a positive ‘change DEPOSIT TAKING NBFC. agent’ in rural India by catering to the financial requirements CAGR between 2000 and 2012 Between 2010 and 2012 of rural and semi-urban Indians. Long presence in the industry and the expertise of our management endowed us with the ability to understand the exact requirements of our customers. With a vision of creating a self-reliant India, RURAL we have empowered millions of ambitious individuals by providing flexible financing opportunities to transform their v/s dreams and help them to Rise. Today, we are not just one of the trusted NBFCs of the country; we empower those who reside at the lower end of URBAN the social pyramid. 2/3 $ bn Product portfolio 68.05 INDIA We have introduced multiple products to address varied customer requirements. Our product portfolio consists of: $ bn 54.25 1/3 Vehicle financing Personal loans Vehicle financing: Auto and utility vehicles, tractors, cars, Offers personal loans typically for weddings, children’s commercial vehicles and construction equipment education, medical treatment and working capital Pre-owned vehicle financing: Loans for pre-owned cars, multi- Insurance Broking utility vehicles, tractors and commercial vehicles Insurance solutions to retail customers as well as corporations SME Financing through our subsidiary Mahindra Insurance Brokers Limited CONSUMER FMCG AND CONSUMER Loans for varied purposes like project finance, equipment Mutual Fund distribution # ^ SPENDING DURABLES SALES finance and working capital finance Advises clients on investing money through AMFI certified Between 2010 and 2012 Housing finance professionals under the brand Mahindra Finance Finsmart Loans for buying, renovating, extending and improving *Source: Indian Brand Equity Foundation homes in rural and semi-urban India through our subsidiary #Source: Masters of Rural Markets: Profitably Selling to India’s Rural Consumers, Accenture Report Mahindra Rural Housing Finance Limited ^Source: Tata Strategic Report 4 5 Mahindra & Mahindra Financial Services Limited Annual Report 2012-13 CORPORATE OVERVIEW Previous Page Contents Next Page Core purpose and core values In January 2011, the Mahindra Group unveiled a new brand positioning, Rise. It led to the creation of a new core purpose for the Group, along with Brand Pillars that formed a bridge Core Purpose between the Core Values and Core Purpose. As a part of the We will challenge conventional thinking and Mahindra Group, we strive to achieve our core purpose by innovatively use all our resources to drive positive adhering to the core values. change in the lives of
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