Mahindra and Mahindra Finance Services Limited: Empowering Rural Customers in India Harvard Case Solution & Analysis

Mahindra and Mahindra Financial Services Limited is a non-banking finance company in India whose product portfolio includes vehicle loans, used vehicle financing, housing finance, personal loans, fixed deposits, mutual fund distribution, insurance broking, gold loans and loans for construction equipment. Catering to the rural poor across India, the organization has close to 6,600 employees, mostly hired locally to cater local needs.

Mahindra and Mahindra Finance Services Limited Empowering Rural Customers in India Case Solution

It bridges the discrepancy between moneylenders, who charge exorbitant interest, and public sector banks that need security. In 2013, the supervisor of the Bijnor division is approached by the owner of a transportation company who requests a loan to buy two more trucks to expand her business of moving goods for small-scale pharmaceutical companies. Given that the prospective borrower has been rejected by a competitive bank, should her loan be authorized? Rajeev Kumra is affiliated with Indian Institute of Management - Lucknow.

PUBLICATION DATE: December 15, 2014 PRODUCT #: W14606-HCB-ENG

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