Information only
Mahindra & Mahindra Financial Services is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a lender mainly known for vehicle, tractor and rural finance. Its registered office is in Apollo Bunder, Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Mahindra & Mahindra Financial Services
| Loan | What to know |
|---|---|
| Home loans | Our research lists these through Mahindra Rural Housing Finance, a group company. |
| Personal loans | Offered, according to the company, only to existing customers and Mahindra Group employees. Approval rests on income, existing EMIs and credit history; amount and tenure are set by the lender. |
| Business and MSME loans | Serves small business owners, often in semi-urban and rural areas. |
| Car loans | Part of its vehicle finance business, its main segment. |
| Two-wheeler loans | Availability varies, so confirm with the lender. Its vehicle finance business also covers tractors. |
LOANZ 360 explains how each of these loan types works: home loans, personal loans, business and MSME loans, car loans, two-wheeler loans. It is a deposit-taking NBFC, but a loan from it is a separate product from a deposit.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; deposit-taking NBFC. |
| Registered office | Gateway Building, Apollo Bunder, Mumbai |
| Parent group | Mahindra Group |
As of 8 November 2026, RBI lists Mahindra & Mahindra Financial Services among the NBFCs in the upper layer for 2026-27. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026