MAHINDRA FINANCIALS Results Analysis-Q1FY27

: Interest Earned for Q1FY27 is Rs. 4,952 Crs., 10.83% growth YoY, Net Interest Income is Rs. 2,580 Crs., 17.91% growth YoY, Total Income is Rs. 5,725 Crs., 14.19% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,787 Crs., 29.65% growth YoY, PBT is Rs. 1,242 Crs., 76.56% growth YoY, Net profit is Rs. 927 Crs., 75.34% growth YoY. On QoQ basis Interest Earned is up by 3.75%, Net Interest Income is up by 1.04%, Total Income is up by 2.97%, Pre-Provisioning Operating Profit is flat to positive by 0.06%, But PBT is down by 1.34%, PAT is alos down by 1.38%. For Q1FY27 Gross NPA 3.5% vs 3.8% in Q1FY26, Net NPA 1.5% vs 1.9% in Q1FY26. Return on Assets is 2.4% improved by 80 BPS YoY, Return on Net Worth is 36.5% declined by 430 BPS YoY. Total Loan Book is Rs. 1,33,419 Cr. as on 30th June, 2026, 13% Growth YoY. Management framed Q1 as a “pivoting back to growth” quarter across both the legacy mobility/wheels book and the newer portfolios (SME, PL, mortgages). Subsidiaries: now “meaningfully” contributing to consolidated profits.