MAHINDRA & MAHINDRA LTD. Consolidated Accounts 411 39. Financial instruments (Continued) (c) Liquidity risk management (i) Maturity profile of non-derivative financial liabilities The following table details the Group’s remaining contractual maturity for its non-derivative financial liabilities with agreed repayment periods. The table has been drawn up based on the undiscounted cash flows of financial liabilities based on the earliest date on which the Group can be required to pay. The table includes both interest and principal cash flows. Rupees crores Particulars Less than 1 Year 1-3 Years 3 Years to 5 Years 5 years and above As at 31st March, 2025 Borrowings - Principal ......................................................................................................... 41,465.76 56,776.23 15,067.65 8,211.62 Borrowings - Interest ........................................................................................................... 7,629.35 8,499.08 2,575.18 3,451.33 Trade payables ......................................................................................................................... 30,855.30 — — — Financial Guarantees ........................................................................................................... 572.29 — — — Lease Liabilities (including interest)............................................................................ 832.48 1,240.61 969.66 2,017.74 Other Financial Liabilities................................................................................................... 3,232.76 480.94 14.26 110.37 Total................................................................................................................................................. 84,587.94 66,996.86 18,626.75 13,791.06 As at 31st March, 2024 Borrowings - Principal ......................................................................................................... 35,483.54 46,077.06 12,469.49 9,274.33 Borrowings - Interest ........................................................................................................... 6,804.92 7,879.33 2,504.01 3,860.15 Trade payables........................................................................................................................... 25,665.64 — — — Financial Guarantees ........................................................................................................... 557.34 — — — Lease Liabilities (including interest)............................................................................ 756.13 1,018.88 851.70 1,792.91 Other Financial Liabilities................................................................................................... 2,763.81 288.22 177.57 90.08 Total................................................................................................................................................. 72,031.38 55,263.49 16,002.77 15,017.47 The amounts included above for financial guarantee contracts are the maximum amounts the Group could be forced to settle under the arrangement for the full guaranteed amount if that amount is claimed by the counterparty to the guarantee. Based on expectations at the end of the reporting period, the Group considers that it is more likely than not that such an amount will not be payable under the arrangement. (ii) Maturity profile of derivative financial liabilities The following table details the Group’s liquidity analysis for its derivative financial instruments. Rupees crores Particulars Less than 1 Year 1-3 Years 3 Years to 5 Years As at 31st March, 2025 Interest rate & currency swaps............................................................................................................................... 8.21 59.79 20.96 Foreign exchange forward contracts................................................................................................................... 365.71 49.81 — Commodity futures........................................................................................................................................................... 20.24 — — Gross obligation to acquire non-controlling interests............................................................................. — 86.11 — Total........................................................................................................................................................................................... 394.16 195.71 20.96 As at 31st March, 2024 Interest rate & currency swaps............................................................................................................................... — 167.38 — Foreign exchange forward contracts................................................................................................................... 17.54 199.74 — Commodity futures........................................................................................................................................................... 3.81 — — Gross obligation to acquire non-controlling interests............................................................................. — — 82.64 Total............................................................................................................................................................................................ 21.35 367.12 82.64
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