48 Integrated Annual Report 2025-26 Scaling digital capabilities across businesses remained a key priority this year, as we continued to embed technology, data and automation into the way various functions operate. This shift is translating into faster decision-making, and more consistent experiences for our customers. Project Vihaan Enterprise transformation across Auto and Farm, delivered measurable progress towards a digitally synchronised, data-driven operating model. The programme is rearchitecting the enterprise across three pillars (New Product Development, End-to-end Supply Chain, and Sales & Service), strengthening execution through a unified digital backbone and data-led decision making. In Product Development, an end-to-end digital thread across planning, design, engineering, sourcing, manufacturing and service readiness is improving cross-functional collaboration and reducing development cycle times to accelerate time to market. In Supply Chain, end-to-end digital visibility, digitised promise management and real-time execution monitoring improved adherence to customer commitments. Planning is now 100% digitised, with live scenario planning across 200+ constraints. The planning horizon expanded from one month to three months, with responsive demand and inventory management enabled through direct demand signals from 300+ dealers. A digital-first customer journey is supported by standardised, orchestrated service processes and solutions such as AutoLens, VehicleEye and VoxAI. This is scaled across 430 workshops (75%+ of service load), delivering a 50% reduction in appointment wait times, a 39% reduction in customer concerns related to service quality and productivity gains of up to 15%. These outcomes are underpinned by the Mahindra Data Platform and the Operating Heartbeat, which provide a trusted single source of truth and near real-time visibility into execution health, bottlenecks and emerging risks, enabling sustained operational excellence, stronger customer experience and long-term competitiveness. Financial Services - Digital Scale through App and Bots The Mahindra Finance customer app has evolved into a high-impact, enterprise-scale platform supporting loans, investments, servicing, and payments across the mobile app and the website. Key enhancements • End-to-end digital personal loan journey with instant disbursal. • Launched customer web portal to extend reach beyond mobile. • Scaled digital payments ecosystem (EMIs, mandates, in-app charges). A 4-step offer discovery and fulfilment journey is enabled for Wheels customers via MTezz. Digital at Scale
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